diff --git "a/finance/dev.jsonl" "b/finance/dev.jsonl"
new file mode 100644--- /dev/null
+++ "b/finance/dev.jsonl"
@@ -0,0 +1,1000 @@
+{"text": "2018 San Antonio construction industry conference\nIN-PERSON EVENT |\nJoin construction industry professionals from around the state for the full-day event to explore the challenges, opportunities and trends facing the industry today.\nThe event includes a powerful lineup of industry topics, including:\n- A Bexar County issues and capital projects update from Judge Nelson Wolff\n- Accounting update, including revenue recognition and leasing changes\n- Managing risk in the digital age\n- Blockchain basics and how it may affect the industry\n- Tax reform update\nExhibit tables and sponsorships are available for you to showcase your products and services. We hope you can join us for this informative annual event.", "label": "Yes"}
+{"text": "The Pueblo West Metro Board is on a mission, zealously seeking to saddle Pueblo West citizens with new taxes.\nMost recently, the board unsuccessfully repeated its quest for a sales tax to fund road maintenance. Never mind that Pueblo County still owns Pueblo West’s roads. Initially, Pueblo West’s metro board negotiated with Pueblo County to assume road maintenance responsibility because developers wanted more input over road maintenance spending than county commissioners would allow - special-interest influence, of course.\nNever mind that we continue paying county property taxes for road maintenance - and receive little benefit.\nCurrently, the metro board has activated a sales tax initiative for the November 5 ballot to fund construction of a new southwest Fire Station 2, on desolate bottomland that’s been prone to flooding.\nNever mind that Pueblo West already has an existing southwest Fire Station 2, located on high ground, barely two miles from the board’s proposed new site, that simply needs renovation and expansion. As for response time and insurance rates, the barely two mile difference in locations shouldn’t affect either.\nNow, the board is also zealously seeking to replace the district’s recently storm-damaged administration building, rather than repair and renovate it. Their eyes and attention have been on the Hanson Medical Clinic building, on Burlington. But, hold on.\nIn a story in last week's Pueblo West View, Dr. Hanson and his real estate associate agree that the Hanson Clinic is much more valuable as a medical facility than the $3 million the metro board had contemplated, and that the building isn’t for sale, yet.\nNever mind that Dr. Hanson is father-in-law to a metro board member. Never mind that the same board member organized a tour of the building for other board members. Never mind that doing so made it a public meeting that the public wasn’t given notice for an opportunity to attend.\nIn a recent View article, another board member says it would cost possibly up to $7 million to build a new administration building, depending on size. The article also says the board is looking for around $1 million in insurance recovery on the existing administration building. The metro district manager says the board is hoping for grants, plus “... we have a healthy fund balance, about $1 million over what we’re supposed to have” - all quite intriguing.\nSo, why not just put those resources together and stay put, repair the damage and renovate the existing administration building? Otherwise, the metro board might be asking voters to approve yet another sales tax to buy an existing building, or construct a new one.\nCurrently, the metro district doesn’t have a Pueblo West sales tax, just the 1% county and 2.9% state. But had voters approved all these proposed sales taxes, we’d also be paying the 3.7% Pueblo sales tax rate.\nThese examples clearly suggest special-interest patronage. And the board wants Pueblo West citizens to foot the bill. I’ll stand against and vote against these propositions. You should too.\nBill Clemens is a retired newspaper executive who has served on the Pueblo West Metro District’s board of directors and the district’s agricultural committee.", "label": "Yes"}
+{"text": "Welcome to My Personal Finance Journey! If you are new here, please read the “About” or “First-Time Visitor” pages to find out more about us. If you would like to receive free updates on articles like this by email, then sign up here or you can subscribe to the RSS feed. Also, check us out on Twitter or Facebook. Thanks for visiting! Keep on learning!\nThe following is a post by MPFJ staff writer, Kevin Mercadante, who is professional personal finance blogger, and the owner of his own personal finance blog, OutOfYourRut.com. He has backgrounds in both accounting and the mortgage industry.\nThere is no shortage of online brokerage firms these days, and you can be blinded by all the options they offer. Most have low fees, and there are slight differences between each that make all the difference in the world (funny how that works sometimes, right?!), depending on what type of trader you are, and how larger your portfolio will be.\nBefore you move your money into any of these accounts, it is important to check out the specials that they are offering – and they all seem to be offering them an ongoing basis. Most will at least reimburse you for exit fees paid to your current broker, but some firms also offer free- or lower cost-trades, either for a certain amount of time or a limited number of transactions.\nSpecial offers aside, here are the basics on some of the more popular online stock brokers.\nScottrade offers basic stock trading at $7, and reasonable transaction costs for most other trades. In addition to stocks, you can also trade options, mutual funds, exchange traded funds (ETF‘s), certificates of deposit, and foreign securities.\nYou can also open a range of IRAs, including traditional, rollover, Roth, and SEP accounts. Scottrade is also offering banking services, including checking, savings, and money market accounts.\nThe service offers real-time stock quotes, free research, and phone apps. The minimum to open and account is $500.\nOne of the advantages of Sharebuilder is that it has no minimum balance requirement, and that opens the service to the smallest of investors. Basic stock and ETF trades are $6.95, and mutual funds trades are $19.95. You can trade options at $6.95 plus 75 cents per contract.\nYou can have both individual and joint investment accounts, and also education savings accounts (ESA’s), traditional and Roth IRAs, and rollover- and small business-401(k)’s.\nProbably the best known online brokerage service – due to its aggressive advertising campaigns – E*Trade offers two commission structures on stock and option trades. The standard fee is $9.99 per trade, but if you’re an active trader – meaning that you execute more than 150 trades per quarter – the transaction fee drops to $7.99 per trade.\nThe company offers stocks, bonds, options, mutual funds, and ETF’s. You can hold an IRA with no fees and no minimum deposit requirements. The company also offers full service banking. There is a minimum deposit requirement of $500 to open a taxable account.\nE*Trade offers trading in more than 7,600 mutual funds, which includes 1,100 no-load/no transaction fee funds.\nThe company’s Power E*Trade Account is available if you make at least ten trades per month, or 30 trades per quarter. This service provides advanced tools including advanced charts, and screening- and analytical-tools.\nTradeKing (Which Now Includes Zecco.com After the Merger)\nTradeKing offers one of the lowest transaction fees available for online brokers (the only one lower than this I know of is SogoTrade.com, which offers $3 trades). The basic fee of $4.95 applies to stocks, mutual funds, and options (plus $.65 per contract). There is no minimum amount to open up an account.\nThe company also offers trades in stocks, ETF’s and more than 8,000 mutual funds. There is no annual maintenance fee, however, if you do not execute any trades within a 12 month period, and the balance in your account is less than $2,500, you will be charged a $50 inactivity fee.\nSmartMoney gave TradeKing it’s highest customer service rating in 2012, and when you combine that with some of the lowest transaction fees in the industry, it’s a tough combination to beat.\nTradeMONSTER offers transaction trading fees that are (at $7.50 per trade) about middle-of-the-road as far as online brokers go. The company offers both individual and joint investment accounts, as well as no-fee IRAs. You can also trade stocks, options, mutual funds, and ETF’s. There are no FOREX offerings, and futures can only be traded through a separate account.\nThe company reportedly has excellent customer service, including research tools, portfolio analysis and reporting tools. On the negative side, they do require a minimum of $2,000 to open an account, and there are no extended trading hours, nor do they offer access to international exchanges.\nBringing it all together\nThe various account terms and fee structures can be confusing, so here’s a chart with a side-by-side comparison of each of the five brokers from above. Just be sure to do some deeper research into each company before making a decision. Some companies may offer even lower prices if you are a more active trader.\nHow about you all? Have you used any of these brokers, and if so, how has your experience with them been?\nShare your experiences by commenting below!\n***Photo courtesy of http://www.flickr.com/photos/perspective/186512551/sizes/s/in/photostream/", "label": "Yes"}
+{"text": "land flipping courses, tools, and community in the palm of your hand\nMost watched videos\nDon’t Just Take Our Word For It\nHear from our satisfied clients\nA month after starting, I got back 15 signed contracts!\n“I value the strong support and solid foundation by David and Howard, two experienced and knowledgable coaches.”\nI Exceeded my financial goals by nearly double...\n“If I didn’t get coaching through your program, I would have never done this…”\nI Already closed 13 property deals...\n“On one of my deals I was able to buy a property for $11,200 and sold it for $26,000…”\n$160,000 IN THE LAST 90 DAYS...\n“I Acquired one single deal that made me $55,000…”\nA different kind of land investing podcast\nThe secret is out, investing in raw land in 2022 is one of the BEST investment strategies for your portfolio, but what does that mean for how we go about securing deals?\n9 simple steps to making money flipping land\nDownload the free app and get your first course for only $0.99! Land.MBA lifts the veil of mystery regarding how to make money from raw, vacant land. If you’re ready to generate substantially more income for your family, this course provides everything you need to understand how the land investing business works and what you need to get started.", "label": "Yes"}
+{"text": "ESMA’s AIFMD Q&A has recently been updated to clarify the requirements on:\nhow frequently the leverage of an alternative investment fund (an AIF) should be calculated; and\nthe calculation of the leverage exposure of an AIF whose assets are invested in short-term interest rate futures.\nFrequency of AIF Leverage Calculation\nAn alternative investment fund manager (an AIFM) should calculate the leverage of each AIF that it manages as often as is required. The purpose of this is to ensure that the AIF is capable of remaining in compliance with leverage limits at all times. Consequently, the Q&A states that leverage should be calculated at least as often as the net asset value (the NAV) of the AIF is calculated, or more frequently if required. Circumstances which may lead to increased frequency of leverage calculation, include the following:\nmaterial market movements;\nchanges to portfolio composition; and\nany other factors the AIFM believes require calculation of leverage more frequently than NAV in order for the AIF to remain in compliance with leverage limits at all times.\nAIF Leverage Calculation where there is Investment in Short-Term Interest Rate Futures\nESMA clarified that the calculation of leverage exposure of an AIF (assessed under the gross or commitment calculation methods) due to its investment in short-term interest rate futures should not be adjusted for the duration of the futures.\nParagraph (1)(a) of Annex II of the Commission Delegated Regulation (EU) No 231/2013 (the Level II Regulation) sets out the method to be used, when converting all interest rate futures into equivalent positions in the underlying asset, when calculating the exposure of the AIF, as the product of the number of contracts and the notional contract size. The Q&A states that the duration of the financial instrument should not be considered for the purpose of that calculation. This does not, however, prevent AIFMs managing AIFs that, in accordance with their core investment policy, primarily invest in interest rate derivatives, from applying duration netting rules under the commitment method, in accordance with Article 8(9) of the Level II Regulation.", "label": "Yes"}
+{"text": "BANGOR — Democrat Libby Mitchell released a jobs plan Monday that focuses on locally grown food, more significant tax credits for businesses, and state borrowing to support roads and other projects.\nOne of five people in the race for governor, Mitchell told a small group of supporters at the party headquarters in Bangor that an expanded “seed capital tax credit” would help businesses create jobs.\n“We have it now, but it’s not big enough,” she said. “We could expand it so that it could cover businesses who are growing and that can prove to us they can create sustainable jobs.”\nMonday’s was the third in a series of policy announcements by Mitchell, who talked previously about government reform and education. She said she will talk about energy and the environment, and health care, at future news conferences.\nPart of her plan focuses on agriculture: She said she wants to require that at least 25 percent of the food served in schools, prisons and state facilities to be locally grown or harvested.\n“We need to expand these markets for our traditional industries as part of our culture heritage,” she said. “The Farm and Bait to Plate Program will help farmers and fishermen.”\nShe said she did not know what percentage of food now served in public facilities is local, but she wants it to be greater.\nHer spokesman, David Loughran, said it’s not possible to estimate how much it would cost to implement the program because commodity prices change and so would the amount of food purchased for each facility.\nMitchell’s opponents on the Nov. 2 ballot are: Republican Paul LePage, who introduced his own plans for the state Monday; and independents Eliot Cutler, Kevin Scott and Shawn Moody.\nMitchell said the state Department of Labor already has a “rapid response” team that works with businesses and employees after companies close. She wants to get to struggling businesses before they close.\n“Sometimes you want that in place prior to a business closing down,” she said. “At the first sign of trouble, there’s a central place that businesses can go within the governor’s office to get help and keep that business alive.”\nThe rapid response team would be part of a state department that Mitchell is proposing to create by combining the Department of Economic and Community Development and the State Planning Office.\nThe department would employ “business advocates” who would help business owners navigate state regulations. Mitchell said the new department would save money by allowing her to reduce the state work force and eliminate duplication.\nOn the issue of borrowing, Mitchell said she would present a “robust” bond package to support roads, bridges, ports, rail, drinking water infrastructure, and research and development.\nAs Senate president, Mitchell helped negotiate $44.3 million in new borrowing. In June, voters approved borrowing for roads, bridges, a deep-water pier in Portland, and rail. They will be asked in November to approve nearly $15 million in additional borrowing to support dental care and land conservation.\nMitchell said the state pays off bonds in 10 years and it must invest in roads and bridges. “The state has the capacity to pay bonds,” she said. “We certainly do not issue bonds except in a very responsible way.”\nThe state has $500 million in general obligation bonds, according to the State Treasurer’s Office. Tax-supported debt per capita in Maine is $760; the national median is $936, according to the treasurer’s office.\nIn Maine, general obligation bonds are paid back as part of the state budget and do not require a separate funding stream. Interest rates are not known until the bonds are put on the market.\nIn August, state Treasurer David Lemoine told legislators that interest rates on bond anticipation notes, which are borrowed before a regular bonding cycle, were at historically low rates.\nThe nontaxable short term bond anticipation note of $45 million is at a 0.27 percent interest rate. The taxable bond anticipation note for $24.5 million was secured for 0.49 percent. He said that in average economic times, the interest rate would be 4 percent or 5 percent.\nOther parts of Mitchell’s plan include investing in green energy, and a Management for Maine program to help train entrepreneurs.\n“We just need a focus,” she said. “I think our economic development in the past has been on one industry at a time. We’re looking at development as a whole.”\nMaineToday Media State House Writer Susan Cover can be contacted at 620-7015 or at: [email protected]", "label": "Yes"}
+{"text": "Please note: As of January 20, 2021, information in some news releases may be out of date or not reflect current policies.\nSolis v. Tripp Mechanical Services involving failure to remit employee contributions to the company's retirement plan in Falkland, NC\nDate of Action: Jan. 17, 2013\nType of Action: Complaint\nName(s) of Defendant(s): Tripp Mechanical Services, Jarvis Edward Tripp, Jr., and Gina Tripp\nAllegations: In January 2008, Tripp Mechanical Services, based in Falkland, N.C., established a savings incentive match plan for employees individual retirement account plan. During the course of an investigation by the U.S. Department of Labor's Employee Benefits Security Administration, the agency found that during various times from January 2009 to September 2010, Tripp Mechanical Services, Jarvis Edward Tripp, Jr., and Gina Tripp failed in their fiduciary responsibility to forward $9,469 in employee contributions to the plan in a timely manner and also allowed the funds to be commingled with general company assets.\nResolution: The department is asking the court to order the defendants to restore all losses, including interest or lost opportunity costs to the SIMPLE IRA plan, which occurred as a result of the defendants breach of their fiduciary obligations; and to permanently enjoin the defendants' from serving as fiduciary, administrator, officer, trustee, custodian, agent, employee, representative, or having control over the assets of any employee benefit plan subject to the Employee Retirement Income Security Act.\nCourt: United States District Court, for the Eastern District of North Carolina\nDocket Number: 4:13-cv-00011-F\nU.S. Department of Labor materials are accessible at www.dol.gov. The information above is available in large print, Braille, audio tape or disc from the COAST office upon request by calling 202-693-7828 or TTY 202-693-7755.", "label": "Yes"}
+{"text": "Kodaikanal is a lesser explored destination as compared to others present in this list but it is not at all behind in any sense when it comes to a honeymoon tour. This enchanting place deserves several applause as it offers a pleasant refuge to couples who look to plan their honeymoon tour somewhere in Southern India.\n» Payment Terms & Methods: * 40% advance to be paid for booking of the total tour package cost. * Airfare/Transport fare to be paid full at one time in advance. » Cancellation & Refund Policy: * Upon cancellation, refund will be made after deducting the Retention Amount.", "label": "Yes"}
+{"text": "PO Box 1900, Stn. “M”\n110 – 12 Avenue SW\nYear End Date:\n* Important notice: On Nov. 1, 2010, CIBC Mellon sold its issuer service business to Canadian Stock Transfer Company Inc., now called AST Trust Company (Canada). AST Trust Company (Canada) received approval on Sept. 4, 2013 to commence business as a federally regulated trust company. As such, you will find information forms and contact details, previously located within CIBC Mellon’s Investor Centre and Issuer Centre page. Follow this link to access the AST Trust Company (Canada) website now.\nAST Trust Company (Canada)\nP.O. Box 700, Station B\nMontreal, QC H3B 3K3\nTransAlta and TransAlta Renewables Respond to Notice of Termination for the South Hedland Power Purchase Agreement Received from Fortescue Metals Group\nCALGARY, Alberta (November 13, 2017) – TransAlta Corporation (“TransAlta” or the “Company”) (TSX: TA, NYSE: TAC) and TransAlta Renewables Inc. (“TransAlta Renewables”) (TSX: RNW) announced today that TEC Hedland Pty Ltd, a subsidiary of TransAlta, received formal...\nCALGARY, Alberta (November 2, 2017) – TransAlta Renewables Inc. (“TransAlta Renewables” or the “Company”) (TSX: RNW) announced today its 2017 third quarter financial results, with Comparable EBITDA(1) of $96 million, a $13 million increase over last year, driven by...\nCALGARY, Alberta (November 2, 2017) – The Board of Directors of TransAlta Renewables Inc. (TSX: RNW) today declared a monthly dividend of $0.07833 per common share payable on December 29, 2017, January 31, 2018, February 28, 2018 and March 29, 2018, to shareholders of...", "label": "Yes"}
+{"text": "Trading on the Dhaka Stock Exchange (DSE) ended on Tuesday (May 4, 2021) with the rise in the price index DSEX. Today, the transactions on the DSE have also increased compared to the previous day. The other market Chittagong Stock Exchange (CSE) also ended the same picture.\nOn Tuesday (May 4, 2021), DSE has shares and units traded worth of Tk. 1,356 crore (Tk. 13,561.005 mn). It has been increased by 16.92223% compared to that of previous day (Tk. 11,598.312 mn).\nOn this day, the DSE main price index DSEX is up by 24.11724 points at 5535.48129 points which is a 0.43759% increase compared to that of previous day. Among the other two indices, the DSE 30 index rose 2.66556 points and the DSES or Shariah index rose 1.08185 point.\nOn Tuesday (May 4, 2021), the Dhaka Stock Exchange (DSE) has a total of 355 companies and mutual funds traded, where 141 company’s prices advanced, 147 company’s prices declined, and 67 company’s prices remained unchanged.\nTotal trade is 188917 (1 lac 88 thousand 9 hundred 17) with a total trade volume of 359343248 (35 crore 93 lakh 43 thousand 2 hundred 48) shares worth of Tk. 13,561.005 mn.\nOn the other hand, the overall index CASPI on the Chittagong Stock Exchange (CSE) decreased by 49 points. The index stands at 16,002 points. Shares worth Tk 38.17 crore were traded on the CSE. A total of 261 companies and mutual funds traded on the CSE. Of these, 112 have increased, 103 have decreased and 48 have remained unchanged.", "label": "Yes"}
+{"text": "The concepts of gender pay and equal pay are often confused.\nIt is important for employers to understand their key differences and the related legislations and obligations to avoid risks, stay compliant and ultimately, build trust with employees.\nThis expert guide aims to equip you with essential information on gender pay gap reporting and strategies to master it.\nDownload the guide below:\nGet your free download to the Gender Pay Gap Reporting Guide\nAn experts guide to the Gender pay Gap\nSimply complete the form below to get your free copy now!\n\"*\" indicates required fields", "label": "Yes"}
+{"text": "Following weeks of discussions, the Connecting Devon and Somerset (CDS) Programme have been unable to secure a value for money deal and BT was today told it would not be awarded a £35m public-funded contract for the next phase of the planned superfast broadband roll-out.\nCDS’ decision follows lengthy discussions with BT and BDUK – the Government agency responsible for the national broadband roll-out. It emerged that BT could not meet the Government’s and CDS target of achieving 95% superfast broadband coverage by the end of 2017.\nBT’s best offer does not meet the public value for money standards required under Section 151 of the Local Government Act. Finance officers who have a fiduciary duty to tax-payers said the offer was high risk.\nAfter seeking clarification from BT about their bid, the Connecting Devon and Somerset (CDS) Partnership have decided to reissue the tender for this work as an open procurement exercise. The local authority partners of CDS are naturally disappointed on behalf of local residents and businesses that they could not agree a contract at this stage.\nBT has said they would not be able to deliver the extent of superfast broadband required by 2017, prompting the partnership to re-engage in the market through an open procurement process.\nCDS is the largest single superfast broadband programme in England and makes an important contribution to the Government’s national targets for the broadband roll-out\nIn January this year Connecting Devon & Somerset announced its plans to publish a tender for the second stage of its Superfast broadband programme, which will bring a further £45m investment and hoped to increase broadband coverage to at least 95% across the region.\nAs well as an open tender covering the Exmoor and Dartmoor National Parks, the results of which will be announced next week, CDS also issued a tender for the rest of the area using the national government procurement framework, through which BT responded.\nCouncillor David Hall, Cabinet Member for Somerset County Council, said: “This is a huge disappointment for us. BT have let the County Councils down, they have also let the Connecting Devon and Somerset Partnership down, and worst of all they have let residents, communities and businesses in Somerset and Devon down. We have a duty to seek best value for all our residents and their tender for the next phase of the programme was just not up to scratch.\n“We are actually aware of the importance of Superfast Broadband for all our residents but we also needed to make sure we got value for money on behalf of our taxpayers. In taking this action we have acted in the best interests of those who live and run businesses in the region and we will now do everything we can to minimise the delay this causes to the programme. CDS will issue more details once timescales for a new procurement are confirmed. CDS will continue to work with BT on the delivery of phase one of the programme to meet the Government’s target of 90% coverage by the end of 2016.”\nCouncillor Andrew Leadbetter, Cabinet Member for Devon County Council, said: “I feel let down by BT and their lack of ambition, as well as their unwillingness to negotiate a good deal for the residents and businesses of Devon and Somerset! What they were offering did not represent good value for money and would not have addressed the issues of providing universal provision.\n“I am only too well aware of how important good broadband connections are to our rural businesses and residents. But we’re committed to delivering value for money for our residents in everything we do. In all conscience we couldn’t sign up to this new deal because it just didn’t deliver. We are, however, still on track through the first phase of the project. We will now go to an open procurement process without delay. I am determined that this should be done as quickly as possible.”", "label": "Yes"}
+{"text": "Buying a property can be a complicated experience if you’re not well versed with the process. This is especially true when you buy abroad, where different rules, regulations and above all a different language help to make matters a little more complicated at first.\nIt stands to reason that there is a benefit to working with trusted professionals who not only have detailed knowledge of the rules and work in an efficient and client-focused way, but also apply their expertise on your behalf.\nWhat a mortgage broker does\nA mortgage broker does more than simply process the documentation and procedural steps – the job is very much centred upon being your personal consultant and broker handling the case with the bank.\nWhat this means in practice is that we seek not just financing on your behalf, but specifically mortgages that suit your personal needs/situation, and which therefore offer the best option when it comes to terms, conditions, interest rates, repayment length and other clauses.\nWe do this for private individuals, businesses and people who require complex structures for their property purchase. Each situation is different enough to warrant personal attention, so while we have pre-developed standardised solutions that save time and optimise efficiency, they are adapted to the specific requirements of our individual clients.\nWhy choose Foxes\nFoxes is a Marbella-based mortgage brokerage that covers the whole of Spain with a global client base. With many years of experience Foxes also has the expertise in-house to act as a legal and financial advisory consultancy. Our lawyers, financial experts and mortgage agents have developed long-standing relationships with the top professionals in the field, including banks and other lending institutions, and thanks to this can offer financing options under the best conditions.\nWe, therefore, blend the advantages of being a fully established Spanish firm with strong local contacts, with the fact that the core part of the team is made up of British, USA and other Northern European professionals – ensuring that language, business mentality and understanding your needs are never a problem.\nIn fact, it’s what we’ve built our reputation on, so let us know what kind of financing you need and put us to the test.", "label": "Yes"}
+{"text": "Add your LGE Debit or Credit Card to Mobile Wallet\nApple, the Apple logo, and iPhone are trademarks of Apple Inc., registered in the U.S. and other countries. Apple Pay is a trademark of Apple Inc; Google Pay is a trademark of Google Inc; Samsung Pay is a trademark of Samsung Electronics Co., LTD.\nMembership eligibility required: must be an existing member or must establish a base savings account at LGE with a $5 minimum balance to apply for a loan. All loans subject to approval.", "label": "Yes"}
+{"text": "Education Politics and Policy\nCFPB Puts New Limits on How it Regulates ‘Abusive’ Practices - Politico\nThe Consumer Financial Protection Bureau on Friday issued a new policy on how it will go after companies for “abusive” practices against consumers, imposing new restrictions on when the agency will bring those types of enforcement actions under federal consumer protection law.\nWest Virginia Senate passes bill to give students college, wage data – WBOY\nLawmakers on Monday unanimously approved the measure, dubbed the Students’ Right-to-Know Act. It now moves to the House of Delegates for consideration.\nAiming to rein in student loan industry, Virginia House passes ‘borrowers bill of rights’ – Fredriskburg.com\nLegislation aimed at forcing student loan service companies to be more transparent and forthcoming in their dealings with borrowers cleared the House of Delegates with bipartisan support Monday.\nDemocratic candidates are promising student loan debt forgiveness, but do voters care? – USA Today\nBut while campaigns have made college financing a major issue, and are likely to continue doing so in the final push before the Iowa Democratic caucus on Feb. 3, some voters say it’s just one of many factors that will impact who they cast their vote for.\nUniversal Technical Institute’s core automotive program outfitted with Volvo’s Advanced and Electrified Vehicles\nVolvo Cars USA LLC has announced it will contribute 36 new vehicles to include twin-engine plug-in hybrid vehicles to Universal Technical Institute’s core automotive training program as part of its national Vehicle Lease Program for Schools initiative.\nMaine Moves Ahead With Unified Accreditation – Inside Higher Ed\nThe state’s university system aims to become first in the nation to accredit its institutions jointly instead of individually. Officials say it will help meet challenges of tighter budgets and shrinking numbers of students.\nFor Many, A College Degree Is A Bad Investment – Forbes\nFor every 100 students entering a four-year college on a full-time basis, only about 60 obtain a bachelor’s degree after six (not the advertised four) years.\nK12 Eyes Further Deals After $165M Acquisition of Coding Bootcamp Galvanize – EdSurge\nAnother bootcamp has been gobbled up by an education technology company looking to break into the corporate learning and career readiness market. This time, publicly traded virtual schooling and education management provider K12 paid $165 million in cash to buy Denver-based coding bootcamp Galvanize.", "label": "Yes"}
+{"text": "PayPal introduced its stablecoin named PayPal USD (PYUSD). The stablecoin is supported by deposits in U.S. dollars, short-term U.S. Treasuries, and comparable cash equivalents.\nThe company is gradually introducing its stablecoin, which is pegged to the USD, to customers based in the U.S. This move, announced on Monday, marks PayPal’s venture into the global payments landscape. Furthermore, the announcement is the first time a key U.S. financial institution is introducing its stablecoin.\nPaxos Trust Company, a crypto financial services firm in New York, is issuing PYUSD. The firm will consistently release reports revealing the assets that secure the stablecoin, guaranteeing its safety and complete redeemability.\n“Beginning in September 2023, Paxos will publish a public monthly Reserve Report for PayPal USD that outlines the instruments composing the reserves. Paxos will also publish a public third-party attestation of the value of PayPal USD reserve assets. The attestation will be issued by an independent third-party accounting firm and conducted in accordance with attestation standards established by the American Institute of Certified Public Accountants.”\nPYUSD will be accessible on PayPal first, and eventually on its well-known Venmo app. It aims primarily to enable smooth digital payments and transfers on blockchain-based applications and Web3 platforms. People can use it for sending money, conducting online purchases, and trading among diverse cryptocurrencies endorsed by PayPal.\nDevelopers find this stablecoin user-friendly since it is constructed on the Ethereum blockchain. This feature enables straightforward incorporation into a range of applications and wallets. Besides, it elevates the swiftness and reach of digital payments.\nPayPal’s CEO Dan Schulman emphasized the need for a stable digital instrument seamlessly linked to fiat currencies, such as the U.S. dollar. He highlighted PayPal’s dedication to responsible innovation, compliance, and a history of introducing novel customer experiences. This establishes the essential groundwork for PayPal to foster the expansion of digital payments with PayPal USD.\nThrough this stablecoin, the divide between conventional fiat currencies and the burgeoning realm of digital currencies is bridged. Therefore, it enhances the convenience for individuals to embrace this groundbreaking monetary form.", "label": "Yes"}
+{"text": "Keith William Nicoletta, 48, of Dade City, Florida faces federal charges for fraudulently obtaining more than $1.9 million in Paycheck Protection Program (PPP) funds and using the emergency aid for unauthorized expenses, including to purchase a new Mercedes and Ford F-250 pickup truck. Nicoletta was arrested earlier this week, according to a criminal complaint unsealed by U.S. Attorney Maria Chapa Lopez on October 23, and, if convicted, could serve up to 40 years in federal prison. The charges against Nicoletta include bank fraud and illegal monetary transactions, and the case is being investigated by the Federal Bureau of Investigation (FBI) and the Internal Revenue Service (IRS) – Criminal Investigation unit, Tampa Field Office and prosecuted by Assistant U.S. Attorney Kristen A. Fiore.\nFederal Pandemic Relief Fraud Cases\nThe federal government is making a concerted effort to root out fraud associated with the Paycheck Protection Program and make an example of offenders, and Keith Nicoletta’s PPP fraud case is one of dozens of pandemic relief fraud cases that have been taken on by the Department of Justice. To date, more than 57 people have been charged with fraudulently obtaining $175 million in PPP funds and/or using the funds for personal purchases or other unauthorized purposes.\nIn this latest PPP fraud case, Keith William Nicoletta is accused of committing bank fraud and engaging in illegal monetary transactions involving PPP funds he obtained through fraud. According to a news release issued by the U.S. Attorney’s Office for the Middle District of Florida on October 23, Nicoletta fraudulently obtained emergency PPP funds in May 2020, after falsely claiming on his PPP loan application that he had a local scrap metal business with 69 employees and monthly payroll expenses exceeding $760,000, or more than $9 million annually. In truth, Nicoletta did not report any wages to the state of Florida for any employees in 2020 or 2019.\nUpon securing the PPP funds through fraudulent means, rather than using the money for payroll costs and legitimate business expenses as required by the Paycheck Protection Program, Nicoletta laundered the money, transferring it between various accounts at different financial institutions, authorities allege. He then withdrew more than $100,000 in cash and bought a 2020 Mercedes for more than $106,000 and a 2020 special edition Ford F-250 pickup truck for more than $66,000. Nicoletta also wired $537,000 to a property management company located in south Florida.\nDefendants Allegedly Used PPP Funds for Personal Purchases\n“We allege that many of these defendants took the relief money offered by the PPP program and spent it on things having absolutely nothing to do with relief – often on luxury items for themselves, their families, and their friends such as cars, jewelry, travel, and other personal expenses,” stated Acting Assistant Attorney General Brian Rabbitt at the PPP Criminal Fraud Enforcement Action Press Conference in September. “Unfortunately, almost every crisis brings out not only those who seek to help others, but also those who try to exploit the situation for their own unlawful purposes and financial gain.” A major concern during the ongoing COVID-19 crisis has been the high number of cases of CARES Act fraud, and these types of cases continue to roll in, as the federal government takes aim at a wide variety of fraudulent schemes. These include making false representations in PPP loan applications, using stolen PPP funds for unauthorized purposes, stealing taxpayer money, and ensuring that less money was available in the PPP program for legitimate businesses in genuine need of financial support during COVID-19.\nEmergency Paycheck Protection Program Funds\nThe Coronavirus Aid, Relief, and Economic Security (CARES) Act is a federal law that was enacted in March 2020, to provide emergency financial assistance to millions of Americans experiencing economic hardship as a result of the unprecedented coronavirus pandemic. The centerpiece of the CARES Act was the Paycheck Protection Program, a loan program regulated by the Small Business Administration, meant to provide much-needed relief to qualifying small businesses and other organizations struggling to stay afloat during COVID-19. The SBA-backed loans distributed under the PPP program were intended to prevent massive layoffs and unemployment during the coronavirus crisis by helping businesses retain their employees and cover payroll and other authorized business expenses, such as mortgage and rent payments.\nUnder the PPP program, emergency funds were available to qualifying small businesses with 500 or fewer employees, including sole proprietorships, independent contractors, gig workers and self-employed individuals. Launched in April 2020, the PPP program initially provided up to $349 billion in potentially forgivable loans to small businesses hard hit by the coronavirus pandemic. In April 2020, Congress authorized more than $300 billion in additional funding for the PPP program, and by the time the program was closed to new applications in August, more than 5.2 million loans had been approved by the federal government for a total of more than $525 billion in emergency financial relief. The loans distributed under the PPP program have a maturity of two years and an interest rate of 1%, with no collateral or personal guarantees required.\nJustice Department Moving Aggressively to Prosecute Offenders\nOne key requirement of the PPP program is that businesses receiving financial assistance must use the funds for payroll costs, interest on mortgages, rent and lease payments, and utilities. What makes the PPP program even more attractive is the fact that the loan can be 100% forgiven so long as the business spends the funds on authorized business expenses within a set time period and uses at least a certain percentage of the funds to retain its employees and fund payroll. These favorable terms made the PPP program a target for those who sought to abuse the program by committing fraud, which the federal government immediately moved to squash. Within months of the Paycheck Protection Program being announced, the Department of Justice brought its first charges of fraud in connection with the CARES Act and promised to devote extensive law enforcement resources to aggressively investigate and prosecute those who abused the PPP program and stole or attempted to steal taxpayer money.\n“Early on, Attorney General Barr recognized that the pandemic would present fraudsters and other bad actors with a unique opportunity to take advantage of the crisis, and he directed the Department of Justice to take swift action to protect law-abiding Americans,” stated Rabbitt at the PPP Criminal Fraud Enforcement Action Press Conference. “We did this not only to protect the integrity of the PPP and the taxpayer funds it was disbursing, but also to send a message of deterrence to would-be fraudsters – while loans were still being made – that the Department was standing watch and would move aggressively to prosecute those who defrauded this critical program.”\nFeds Launch Dozens of PPP Fraud Investigations Across U.S.\nOver the past several months, there has been a wave of PPP fraud investigations initiated by the federal government, which has taken swift and immediate action to combat fraud tied to the Paycheck Protection Program, with the help of the FBI, the IRS and the SBA’s Office of the Inspector General, among other federal agencies. “Our cases are diverse in size and scope, involving fraud ranging from loan requests for just $30,000 to approximately $24 million,” said Rabbitt. The Department of Justice says that the PPP fraud cases they are investigating fall into two general categories. The first category involves individuals or small groups who lied about having small businesses or needing emergency PPP funds to pay their employees, and then used the funds to buy things for themselves. “As we allege in our charging documents, these defendants used lies to obtain millions of dollars in PPP funds and then spent those funds on things like luxury cars, homes, renovations, jewelry – and even adult entertainment and gambling in Las Vegas,” said Rabbitt. The second category of PPP fraud cases involves criminal rings that organized coordinated, systematic efforts to defraud the PPP program on a massive scale.\nIRS Special Agent in Charge: PPP Loan Fraud “Will Never Be Tolerated”\nNicoletta is at least the second person in the region to face federal charges for fraud in connection with the Paycheck Protection Program. In early September, Casey David Crowther of Fort Myers, Florida, president of Target Roofing & Sheet Metal Inc., was charged with spending federal COVID-19 relief funds on personal purchases, including the purchase of 40-foot catamaran valued at nearly $700,000. According to the criminal complaint, which was unsealed last month, Crowther fraudulently applied for and secured a PPP loan in the amount of $2,098,700.\nWith billions of taxpayer dollars and the fate of troubled small businesses at stake, the Department of Justice has made good on its promise to aggressively pursue anyone attempting to use the COVID-19 crisis as an opportunity to commit fraud, criminally charging more than 57 people alleged to have defrauded the Paycheck Protection Program this year. “During these difficult times, while hardworking American citizens are facing a pandemic and struggling to take care of their families, crimes like these literally rob the coffers of critically needed relief funds,” said Special Agent in Charge Michael J. De Palma of the IRS Criminal Investigation unit, Miami Field Office, in a Department of Justice press release issued in August. “We will continue to tirelessly pursue the culprits behind these heinous schemes and bring them to justice. Any fraud of COVID-19 financial relief programs will never be tolerated.”\nOther PPP Fraud Articles\nRead More About Texas Max Charged in Multi-Million Dollar COVID-19 Relief Fraud\n- Federal Criminal Defense Pro\n1601 Vine St\nLos Angeles, CA 90028\n- CLICK HERE FOR DIRECTIONS\n- (877) 753-0060\n- Open 8 AM – 6 PM\nMonday – Friday", "label": "Yes"}
+{"text": "(from the Edmond Sun)\nPeak-season water bills are stirring up a lot of questions for city consumers worried about how much they pay for city water. At the same time the City Council is looking at the possibility of smart meters in Edmond.\nBest practices in technology allow consumers to monitor their energy usages faster than before, said Josh Moore, city councilman.\nCustomers using advanced metering infrastructure (smart meters) are able to look online the next day and see how much electricity they used the day before and learn how much water they used the day before, Moore said.\nCity of Edmond staff will be recommending smart meters to the Edmond City Council at an upcoming meeting, said Kris Neifing, who manages the city’s Water Resources Department. The city held a workshop on smart metering in 2016. According to the city manager’s office the next meeting date for the city council to consider smart metering has not been set.\n“The AMI system will allow customers to track usage throughout the month instead of seeing the usage one time each month when the bill is calculated,” Moore said. “So just the speed of the data and of the reporting where it shows nationwide that basically it cuts back on energy usage, because if you’re seeing that you’re overusing then you’re more common to back off and/or to use energy at different times of the day when it’s not on peak times.”\nMoore said it’s not in the interest of the City of Edmond to sell its customers more water or more electricity. It costs a lot of money for us to expand its infrastructure, he continued.\n“We would rather Edmond citizens either save their money or shop in Edmond, or eat in Edmond and support our business owners in Edmond,” Moore explained.\nSmart metering is overdue in Edmond, said Moore, who hopes the project is passed as soon as possible by the city council.\nNeifing pointed out that while billing for water is based on actual amounts used each billing cycle after the meters are read, customers can also levelize (or average) their payments to spread the peak costs throughout the year but have the same total costs over a 12-month period.\n“Water consumption is billed on an inclining block rate which means the more water that a customer uses the more the water will cost,” Neifing explained.\nThe first 10,000 gallons of water are billed at a lower rate, currently $6.68 per thousand gallons plus a base charge of $11. The next tier is 11,000 to 20,000 gallons is $7.72 per thousand gallons of usage, and the next tier of 21,000-plus gallons is $9.64 per thousand gallons. Neifing said this practice allows customers using less water to have a lower bill. Customers consuming more water during summer months pay for more of the city’s costs associated with peak infrastructure, Neifing added.\n“The primary driver for inclining block rates is the cost of infrastructure that is idle 8-9 months out of the year,” Neifing said.\nMay and June of this year resulted in very wet conditions for residents. During these conditions, residents tend to have less water usage.\nThe average daily water production during May and June was about 8-10 million gallons per day. Edmond experienced dry weather in July. Arid conditions brought no relief for vegetation, so the city’s water production quickly increased to 20 million gallons per day — which was near peak capacity capabilities.\n“We have a Capital Improvement Plan to expand our Water Treatment Plant and make many other improvements in order to make our system more robust both now and in the future,” Neifing said. “The cost of these improvements is over $350 million dollars and the primary driver is outdoor water usage.”\nNeifing said that water rates have increased gradually during the last decade and will continue to increase incrementally in order to pay for improvements to the water system. Improvements are vital for increased production capabilities and to replace aging infrastructure such as old water lines. The average increase on the water bill has been in the 4-5% range each year instead of large increases in one year to allow customers to absorb the increased costs over many years rather than seeing dramatic changes which many on a fixed income could not absorb easily, Neifing said.\nThe average water bill in the winter is 6,000 gallons of usage for residential customers at a cost of $44.40. The rates for water are posted at www.edmondwater.com or on the Utility Customer Service page on the city’s website, www.edmondok.com.\nCITY EXPLAINS BILLING\nThe City of Edmond explains how water billing costs may impact customers:\nDid all customers go up?\nFrom July to August billings, for residential customers:\n• 16.4% had a lower bill\n• 15.6% had the same bill\n• 68.0% had a higher bill\nFrom July to August billings, for non-residential customers:\n• 26.4% had a lower bill\n• 27.7% had the same bill\n• 45.9% had a higher bill\nHow much did our customers use?\nResidential August billings:\n41.9% of our customers used between 0-6000 gallons\n14.4% of our customers used between 7-10,000 gallons\n12.2% of our customers used between 11-15,000 gallons\n8.75% of our customers used between 16-20,000 gallons\n7.1% of our customers used between 21-25,000 gallons\n4.75% of our customers used between 26-30,000 gallons\n8.1% of our customers used between 31-50,000 gallons\n2.7% of our customers used over 51,000 gallons", "label": "Yes"}
+{"text": "The Grants Officer is responsible for supporting the monitoring and reporting of all project grants, in accordance with grant management processes and compliance requirements. The Grants Officer supports the development of new budgets and tracks budgets and spending, providing grant administration according to donor requirements.\nJob Responsibility #1: Project budget monitoring and reporting (40%)\n- Supports the completion and timely submission of accurate financial reports for institutional donors including managing the reporting timeline\n- Supports the process of project budget monitoring and cost allocations\n- Assists in the development of new donor project budgets as required including budget narratives\n- Organizes and facilitates the administrative start and end of new grants including organizing grant opening and closing meetings\n- Assist with the coding of invoices and Expense Reports\nJob Responsibility #2: Grants Administration (25%)\n- Responsible for contract and project administration, ensuring proper record keeping for all donor contracts, correspondence, reporting, audit reports and close-outs.\n- Arranges payments and transfers to country offices as needed in accordance with spending projections\n- Compiles and monitors restricted revenue payment reports and conducts reconciliations as needed\nJob Responsibility #3: Budget Development (25%)\n- Supports the development of new project budgets and budget narratives for institutional funding sources aligned to donor requirements, in liaison with the International Programs team\n- Maintains country-level budgets in liaison with the field teams, Senior Grants Analyst and Grants Manager\nJob Responsibility #4: Project Compliance (10%)\n- Supports donor compliance requirements to help ensure that grants and allocations are implemented in compliance with relevant donor contracts and War Child Canada policies, regulations, established standards and allowable costs.\n- Monitors and tracks all contractual obligations to ensure project compliance\n- Degree in finance, accounting, business, public administration, international development or relevant subject.\n- Minimum of one year’s experience within a finance related position\n- Experience of the NGO, charitable or non-profit organization desirable.\nKnowledge and Technical Skills\n- A high level of excel skill and spreadsheet competency.\n- Ability to analyse data, with excellent analytical and problem solving skills and strong attention to detail.\n- Strong organisational skills including the ability to simultaneously manage multiple priorities.\nCompetences and Personal Qualities\n- Excellent interpersonal skills.\n- Diplomacy and negotiation skills.\n- Ability to work well with a team.\n- Adaptability and flexibility.\nOccaasionally to War Child Canada’s countries of operations\nAbout the Organization\nWar Child Canada is a registered Canadian charity based in Toronto. Working with war-affected communities to help children reclaim their childhood through access to education, opportunity and justice, War Child Canada also takes an active role in raising public awareness around the impact of war on communities and the shared responsibility to act. War Child Canada works in Afghanistan, Iraq, Jordan, Sudan, South Sudan, the Democratic Republic of Congo and Uganda.", "label": "Yes"}
+{"text": "- 17 reads\nSpend $60 now and SAVE $10 each year... ROI = 16.7%\nPressure regulated high-efficiency 'Low flow' shower heads save about 50% of the water required by conventional showers because they have a 2.5 Gallons Per Minute (GPM) flow rate as compared to the conventional shower heads that use 4 or 5 gallons per minute. This also saves energy because less water must be heated for the shower. New models provide ample pressure, and for a business of roughly 10, the savings add up to hundreds of dollars per year and thousands of gallons of water. Look for Eco-Friendly shower heads that have at least 1.6 GPM flow rate and a 'Full Spray Pattern'. The ROI Calculation is based on one low flow shower head.\n|Payback Time in Years:||Added Cost:||Annual SAVINGS||5 Year SAVINGS||Return on Investment (ROI):|", "label": "Yes"}
+{"text": "What’s a Sugar Daddy? Many of you might be saying, “what’s in that for me? inch This article will talk about the basic fundamentals of a sugar daddy and give you an overview of why they are simply becoming so popular, and how to use these to your benefit. So , let’s https://iscience.blogactiv.eu/2019/11/08/simple-programs-in-finding-a-sugar-daddy-straightforward-advice/ start.\nPrecisely what exactly is a sugar daddy? A sugar daddy is a wealthy, important individual, often male, providing you with economically for a person’s potential. This could be by means of paying off a student loan, or assisting to pay for wedding and reception, or supporting to afford an investment.\nThe amount of money that it person is normally willing to place into your life is completely up to you, since it depends on the romantic relationship that you develop with them. Should you decide to employ this00 arrangement, then you should have a definite understanding of everything you are getting your self into. Certainly there are many advantages to this type of concept, and this is what we’ll discuss today.\nYou see, when you take advantage of this arrangement, it is possible to find a student money to purchase you, and who can furnish you with the required financial resources to satisfy your dreams. However , there are many stuff that you need to be cautious about when choosing a sugar daddy, similar to there are many facts that you need to search for when choosing sugar dating experience anyone else. Pupils for a certain things that you have to be aware of just before deciding to visit ahead with this type of agreement.\nAnd so what’s a sugar daddy, in any event? They are a form of middleman between you, and the money that you want for making. Usually you can expect to receive a examine, which is the total amount that you may typically obtain from the bank in the event that you where to invest this on your own. This is due to this person will not have the same kind of access to your hard earned money that you just would have if you were to invest that yourself.\nIf you want to make sure that you will get the most out of this arrangement, then you have to know what you want in it. Looking to build enough funds to meet your needs, or do you want to make more? Would you like to live the rest of your life in luxury, or perhaps would you like to make enough money to help reduce your home loan on a home? Once you have an idea of what you wish, then you certainly will be better equipped to reply to these issues.", "label": "Yes"}
+{"text": "Mortgage Brokers Join UWM on the Inc. 5000 List of America’s Fastest-Growing Private Companies\nMortgage brokers ranked as some of the top companies, proving the wholesale channel is continuing to grow\nPONTIAC, August 26, 2020 – Inc. Magazine unveiled its annual Inc. 5000 list, the most prestigious ranking of the nation’s fastest-growing private companies and it included a remarkable number of mortgage companies within the wholesale channel. The list represents a unique look at the most successful companies within the American economy’s most dynamic segment—its independent small businesses.\nAmong others, United Wholesale Mortgage (UWM) was joined on the list by mortgage brokerages such as Affinity Home Lending, MortgageDepot and Molitor Financial. UWM, the #1 wholesale lender in the nation, and these independent mortgage companies experienced a combined three-year revenue growth average of 186%, demonstrating that the wholesale channel is on the rise and that mortgage brokers are expanding their businesses at impressive paces.\n“I am proud of the growth at UWM and in the wholesale channel. Our team members continue to support the broker community by providing them with the best tools and technology in the industry, so the brokers can grow their business” said Mat Ishbia, president and CEO of United Wholesale Mortgage. “Seeing mortgage brokers rank so highly on this national list shows that brokers are dominating in the industry and their growth supports the growth of the wholesale channel,” Ishbia said.\nOver the past three years, UWM has experienced an unprecedented increase in their loan volume and hiring numbers, almost tripling the number of team members between 2016 and 2019. At the end of 2019, UWM broke their company record with $107.7 billion in mortgage loan volume in 2019, more than doubling its 2018 production of $41.5 billion. Throughout 2020, UWM has continued to hire to support the surge in the housing market and continues to support independent mortgage brokers in expanding their business.\nComplete results of the Inc. 5000, including company profiles and an interactive database that can be sorted by industry, region, and other criteria, can be found at www.inc.com/inc5000.", "label": "Yes"}
+{"text": "KING Company only works with the top insurance carriers. We offer comprehensive insurance benefits designed to meet your medical needs.\n- Individual Disability\n- Multi-Life Disability Insurance\n- Business Overhead Expense\n- Disability Buy-Out Insurance\n- Impaired Risk Disability\n- High Limit Disability\n- Critical Care Illness Insurance\n- Small Group Life, STD & LTD\n- Key Person Disability Insurance\nKING Company only works with the top health insurance carriers. We offer comprehensive health\ninsurance benefits designed to meet your medical needs.\nHEALTH INSURANCE CARRIERS\nBlue Cross Blue Shield\nUnited Health Care\nSelf & Fully Funded\nTypes of Life Insurance\nWhen deciding which type and amount of life insurance is right for you, you'll need to answer these important questions:\n- What do you want the insurance to cover?\n- What amount of coverage do you need?\n- How long will you need the coverage for?\n- What's your budget?\nUnderstanding the Different Types of Life Policies\nAnswering those questions can help you understand which type of life insurance would work for your situation.\nThe two main types are:\n- Term, which provides temporary coverage.\n- Permanent, which provides coverage for the rest of your life.\nKING Company represents over 50 different Life Insurance companies, but here are some of our partners:\nRetirement planning is the process of determining retirement income goals and the actions and decisions necessary to achieve those goals. Retirement planning includes identifying sources of income, estimating expenses, implementing a savings program, and managing assets and risk.\nDENTAL & VISION\nDental and Vision benefits are an important asset to you. We provide various programs that can be tailored to meet your needs.\nHERE ARE SOME DENTAL & VISION PROGRAMS THAT WE OFFER:", "label": "Yes"}
+{"text": "Virginia Council for Private Education Action Center\nThe Education Scholarship Tax Credits Program (EISTCP) at the Department of Education has had tremendous success since the program began. It has grown from a little over 40 students and a few thousand dollars in scholarship funds in the first year, to approximately 4,000 students and over $15 Million in scholarship funds by 2019. The EISTCP works by providing a tax credit for donations to scholarship funds that qualifying, low-income families can apply for in order to send their children to a local private K-12 or pre-K school - many of which are schools that are faith-based.\nDespite this tremendous progress, legislation (HB 521) was introduced by Delegate David Bulova (D- 37, Fairfax Station ) to repeal the entire EISTC program, thus eliminating Virginia’s only school choice program.\nUrge your Delegate to OPPOSE HB 521!\nNOTE: This action alert is targeting Democrats ONLY! If you are represented by a Republican delegate you will receive an error message.", "label": "Yes"}
+{"text": "This report on the Indian banking industry focuses on commercial banks. Commercial banks may be government owned banks, private sector banks, or foreign banks. The commercial banks in India have played a significant role in the development of the economy. With the structural reforms initiated in the economy in 1990s, it was imperative that a vibrant and competitive financial system be put in place to sustain the ongoing process of reforms. The result of the changes has led to the opening of the banking industry to the Indian private sector and foreign banks. The Government of India (GOI) has loosened many of the longstanding restrictions on foreign direct investment (FDI) in the past two years. The reforms have succeeded in easing external constraints on banking operations, efficient use of manpower, introduction of technology in the banks, transparency in reporting procedures, restructuring and recapitalizing banks and enhancing the competitive element in the market.\nOver the coming years, banks in India will focus on the retail segment, cost reduction strategies, generating fee-based income, and brand building. Banks in India will be forced to adopt measures to survive, as the banking environment in India grows more competitive with the relaxation of restrictions, adoption of international standards, and increased efficiency through technology.\nThe banking industry in India is significantly different from that of other countries because of India’s geographic, social, and economic characteristics. Although the Indian banking industry opened up to private players only in 1993, the profitability of the Indian commercial banking sector is at par with most of the leading banking sectors of the world.\nThe Indian banking system can be broadly classified as organized and unorganized. The unorganized banking system is comprised of moneylenders, indigenous bankers, lending pawnbrokers, and traders. Whereas the organized banking system consists of scheduled banks and non-scheduled banks that are permitted by the Reserve Bank of India (RBI), India’s Central Bank, to undertake banking activities. The scheduled commercial banks (SCB) are required to follow guidelines set by the RBI. SCBs have access to financial assistance and refinance facilities from the RBI. Based on their ownership, scheduled commercial banks can be classified as Public Sector Banks (PSB), Private Sector Banks (“old and new” private banks), and Foreign Banks.\nThe banking sector in India is characterized by the predominance of Public Sector Banks (PSBs).\nIn FY04 (Indian fiscal year is from 1 April to 31 March), PSBs had 48,150 offices. Their assets of Rs.14, 714 billion ($334 billion) at the end FY04 accounted for 74.5% of the assets of all SCBs in India. It is estimated that 63.1% of the offices of PSBs are located in rural/semi-urban areas. This large network of branches enables the PSB’s to fund operations out of low-cost deposits. The State Bank of India (SBI) is the largest commercial bank in India. In FY04, SBI accounted for 20.6% of the aggregate assets of all commercial banks. Some of the other large PSBs are Punjab National Bank, Bank of Baroda, Canara Bank, Bank of India, Oriental Bank of Commerce and Corporation Bank.\nHowever, with the entry of new private sector banks, the PSBs have suffered a gradual loss of market share. The PSBs accounted for 67.4% of the total assets during FY04, compared to 79.3% in FY03, and 52.3% in FY02.\nIn FY04, there were 30 private sector banks operating in India through 5,903 offices. Private banks are classified as old private sector banks and new private banks. In FY04, there were 20 old private sector banks operating in the country. These banks are regional in nature and estimated to have 4,473 offices. In July 1993, as part of the banking sector reform process, the RBI permitted entry to the private sector. This resulted in the introduction of new private banks. These new private sector banks operated through 1,430 branches in FY04.\nThe private sectors banks include ICICI Bank, HDFC Bank, UTI Bank, Federal Bank, Kotak Manhindra Bank and J&K Bank. In FY04, the total assets of the private sector banks aggregate\nRs. 3,673 billion ($83.5 billion) and accounted for 18.8% the total SCB assets. Though the share of private sector banks in total commercial bank assets increased from 12.6% in FY01 to 18.6% in FY04, most of the gain is accounted for by the new private sector banks. The share of the new private sector banks increased from 25.5% in FY97 to 67.1% in FY04.\nThere are 33 foreign banks operating through 222 offices. All offices of foreign banks in India are in the urban areas and metropolitan cities. In FY04, total assets of foreign banks aggregated at Rs.1, 363 billion ($31 billion) and accounted for 6.9% of total assets of all SCBs. In recent years, because of increased competition from new private banks the share of foreign banks in aggregate SCB assets has declined from 8.1% in FY1999 to 6.9% in FY04.\nThe major foreign banks in India are the Standard Chartered Bank, Citibank, Hong Kong & Shanghai Banking Corporation, ABN Amro Bank and the Deutsche Bank. The primary activity of most foreign banks in India had been corporate banking. However, since mid-1990s, foreign banks added consumer financing to their portfolio and today the foreign banks offer a wide-range of products such as automobile, home and household consumer loans as well as credit cards.\nThe commercial banks in India work broadly through three segments - corporate, retail and treasury. Earlier, Indian banking industry consisted mainly of the public sector banks, which were oriented towards the corporate and treasury segments. Declining interest rates, changing demographic profiles and the entrance of private and foreign banks are responsible for the emergence of the retail segment. In order to increase market penetration the retail banks in India started to develop and offer a wide range of products including car loans, housing loans, education loans, and credit cards. In FY03, bank retail assets grew at the rate of 30% per annum. Retail financing in India is currently estimated at $11 billion and is expected to triple by 2007. This expansion will require greater marketing and IT services.\nThe corporate banking segment in India supplies capital for business ventures to large and medium sized businesses. This banking segment accounts for more than 60 per cent of the banking assets and is the main business for the banks. This trend is likely to continue since SMEs are dependent on bank loans for their operations. Commercial banks provide a range of products and services including working capital finance, project term loans, corporate term loan, structured finance, dealer finance, channel finance, equipment leasing, loan syndication, and cash management services.\nIT services are also becoming more popular with bank customers. ATMs, credit cards, and Internet banking, which are already widely used around the world, have yet to reach their full potential in India. These services and products are all expected to grow in the coming years. ATMs, numbered at 12,000 in 2004, are estimated to increase to 35,000 by 2007. Factors driving the growth of ATMs and other technology-based services are increased competition, the need to reduce transaction expenses, customer demand, geographic reach, and the potential for revenue collection.\nOne promising IT service in India is “m-banking” (mobile banking). M-banking service is cheaper than ATMs and attracts a high potential consumer demand. M-banking will most likely surpass Internet banking because it is more accessible to Indian customers who are more likely to have mobile phone access rather than Internet access. Worldwide m-banking commerce was valued at $5 billion in 2004 and is expected to surpass $35 billion by 2007. However, better technology for m-banking needs to be developed, especially for authenticating mobile devices. Both private and public sector banks have started offering m-banking services.\nThe recent financial reforms and greater competition in the banking industry have made it necessary for banks in India to cut costs through greater implementation of IT technology. Modernizing operations not only reduces costs, but also increases accuracy and responsiveness that make banks more competitive. Indian banks have been slow to adopt technology and therefore face increasing competition from foreign banks that already have IT infrastructure in place. In 2002-03, IT spending by Indian banks was only 1 percent of the revenue compared to 7 percent spent by banks in the U.S.\nThe Indian banking industry has also witnessed an increasing amount of mergers. This trend is likely to continue so that banks may remain competitive by taking advantage of larger customer bases, economies of scale, the cross sale of services, and the sharing of customer information and physical capital. Moreover, since public banks are restricted from merging with other banks, foreign banks that merge with private Indian banks will be able to gain an advantage from consolidation.\nProblems that plague the Indian banking industry include poor capitalization, excessive liquidity, over-investment in government papers, reluctance to lend that hinders growth in the manufacturing sector, and inefficient operating processes. Indian banks also possess a high level of non-performing assets (NPAs), although this number remains low when compared to other Asian banking systems.\nSuccessful banks in India will focus on the retail sector, generating fee-based income, cost reduction strategies, and brand differentiation. Banks will be forced to adopt these measures to survive, as the banking environment in India grows more competitive with the relaxation of restrictions and adoption of international standards.\nForeign banks currently possess only a marginal portion of the banking market in India, 7 percent of assets, 5 percent of deposits, and 7 percent of advances. Foreign presence in the banking sector is sure to increase because of both the expanding demand for banking services and the compliance with international standards set forth by WTO and Basel II agreements.\nThe foreign banks in India operate quite differently from the domestic banks. Fees produce a substantial portion of income (23 percent on average, compared to 9 percent each for public and private banks). The cost of deposits for foreign banks is near 4 percent, that is 2 points lower than public and private banks. The return on assets for foreign banks is double that of domestic banks. Foreign banks are more competitive due to greater technology use and better risk management.\nIndia has agreed to provide a greater role for foreign banks as a part of the World Trade Organization (WTO) agreement. As a result the Indian banking industry is undergoing a rapid dismantling of long-standing regulations in preparation for the opening of the sector, which will be completed by 2009. The Government of India (GOI) has loosened many of the longstanding restrictions in the past two years. Increases in the presence of foreign banks, private banks, and foreign direct investment (FDI) have fostered a more competitive banking environment. The 2003-04 annual budget increased the limit of FDI in private banks from 49 percent to 74 percent. This increase allows foreign owners greater management control over private banks. The private banks benefit from the increase in FDI because FDI provides much-needed capital at competitive prices. A higher Capital Adequacy Ratio (CAR) improves the overall health of the Indian banking system.\nBy the end of 2006, Indian banks must adhere to the Basel II international capital adequacy standards. Banks will require greater information sharing systems and technology to better supervise risk. Also, banks will need to strengthen their CAR to avoid imposed restrictions on bank lending. Basel II compliance is one of the major drivers behind reforms in the Indian banking industry.\nThe Indian economy is growing strongly which ensures better debt recovery and asset valuation. Progressive bank reforms and low interest rates will increase borrowing activity. The banking sector in India offers great opportunity to foreign banks that possess the technology to serve the Indian population.\nInformation Source: Cygnus report “Indian Commercial Banking” 2004, RBI Banking Bulletins 2004 & 2005, and ICRA report “Indian Banking Industry” January 2005.\nIndian Banks’ Association\nReserve Bank of India\nInstitute of Development and Research in Banking Technology\nUpcoming Trade Shows and Events\nBanknet India’s Conference and Exhibition, January 17, 2006, Mumbai\nFor details please visit the web link http://www.banknetindia.com/\nSource: ChinaStones - http://china-stones.info/free-essays/finance/indian-commercial-banking.php", "label": "Yes"}
+{"text": "All current events of cryptocurrencies and search on them\nContribute to the development of the service\nEvents and favorite coins rates\nDelivery of notifications about new events of your coins using mail, Telegram, Web Push\nNew coin listings and trading pairs on cryptocurrency exchanges\nDigiByte DGB: Listing on Lescovex\nDIGIBYTE (DGB) is going to be listed on Lescovex exchange\nWe have decided to include DIGIBYTE (DGB) on Lescovex exchange.\nOnce our platform will be launched after our TokenSale on April 19th, it will be possible to trade Digibyte along with other cryptos, assets, commodities & fiat (EUR, USD, JPY, CNY and MXN).\n3 hard forks\n1 brand event", "label": "Yes"}
+{"text": "Tips for Finding the Best Company for Stocks Trading and Investment\nWhen planning to make future or any other kind of investment you need to ensure that you are doing it right. In this regard, if you want to venture into stocks trading and investments you have to know the right company that you can use and will be there to ensure you succeed. It is always essential to investigate and have some tips that you can use as a guide and it is from there you can know the stocks trading and investments company you can choose, read more now. Always when you are looking for a stocks trading and investments company for this product you have to use the tips outlined here.\nFirst, you require to check the reputation of stocks trading and investment company. You should not make the mistake of choosing a stocks trading and investment company before you learn about the reputation. You might end up making a wrong choice and it will cost you regrets. It’s advisable to look for a good way to help you in making the right choice. For this reason, you’re reminded to find out what a number of customers say and take it seriously, see more here.\nYou’ve to consider the working period of the stocks trading and investment company. Find out the stocks trading and investment company that has the best experience. The best thing to do during the selection is to inquire about the years of working for the purpose of making a comparison. It is evident that when you take this idea seriously you will be proud of the choice and be confident that your desire must be fulfilled.\nYou need to understand that checking the certification of the company is vital. You should not think that all the companies that are operating are legal. So that you do not doubt the company you are planning to select you need to verify the legalization. You require to ask for a license and the stocks trading and investment company should not have any problem with that, view here! The right permit is the one that is genuine.\nBesides, put the price into consideration. The services that the company of your choice will offer you are not free meaning you must pay a price, discover more about investments here. The best thing is that each stocks trading and investment company has its own cost. Since you have a chance to compare the costs make sure that you utilize it, check this site. The Company that will be having pocket-friendly costs is the right for you.\nGetting referrals is the last factor that you should consider in this article. Recommendations usually offer the best help and that is why you are advised to embrace them. You should get referrals from the people you are sure cannot mislead you.\nSuggested Article: my review here", "label": "Yes"}
+{"text": "This feature is coming soon, check our pricing page to see which features are currently included.\nAn Organization enables your company to pay for multiple connected accounts. Example: you have 7 sales team members that use inlytics in a professional context. You invite them to your Organization and pay for them. Their personal billing plans will be paused as soon as they enter into your Organization. If you decide to delete the Organization, every team member will be back on their personal plan.\nRemember: Organizations are NOT connected company profiles!\nRemember: Organizations are NOT groups! Groups enable you to share and visualize team metrics in one dashboard. To create or join a group, you will need a business plan (everyone that want's to join a group also needs to be on the business plan). So when you create an Organization, everyone will automatically be able to join or create a group, since being in an Organization means you are on the business plan per default.\nRemember: If you want to add more than 10 people to your organization, please reach out to us (email@example.com) so we can apply volume discounts for your account.\nLet's make it simple: Organizations are there so you can pay for multiple users from just one account. This is helpful if you:\nA personal account can only pay for itself. Not for others. Also, if you create an Organization you don't have to worry about user permissions. Every member of an Organization is automatically assigned a business plan.\nEvery team member that joins your organization, will be automatically assigned a business plan with all its benefits.\nAs soon as you create an Organization, you will be asked to deposit your business credit card or any other available payment option. That's because from now on this payment option will be charged. As soon as you have done that, your personal plan will be paused and you will be assigned a business plan your organization will pay for. Any further team member that joins the Organization by your invitation, will also be put on the business plan.\nNavigate to your inlytics settings. In the top navigation of the page you will see the \"Organization\" tab.\nWhen you open the settings page, you are able to create your Organization. You will be asked to deposit your business credit card or any other available payment option.\nClick \"create Organization\". Now you can invite people you want to pay for.\nYou can invite team members to your Organization. There are 3 user levels you can assign to people:\nIf you want to change the account owner, please reach out to us (firstname.lastname@example.org)", "label": "Yes"}
+{"text": "Currency Converter South African Rand from Singapore Dollar and vice versaUpdated on by Stefan Banse\nSingapore's concrete jungles slowly give way to Green Skyscrapers that look more like life habitats than business hubs. Singapore is finally capitalizing on its melting pot of cultures and getting some spark and is fast becoming one of Asia’s top destination places and becoming a very popular vacation destination for South Africans. For your adventure journey to Singapore, use our currency converter and printable conversion table as a travel guide.\nSingapore Dollar - South African Rand: Current exchange rates from Aug 4, 2021\nOur currency converter allows you to calculate the exchange rate of many other foreign currencies as well as the conversion from Singapore Dollar to South African Rand by clicking on the button to reverse the units from South African Rand to Singapore Dollar. In the following, we provide you with a brief overview of the current exchange rate between Singapore Dollar and South African Rand and vice versa.\n1 Singapore Dollar (SGD) equals 10.576 South African Rand (ZAR)\n1 South African Rand (ZAR) equals 0.095 Singapore Dollar (SGD)\nPrintable conversion tables for your trip to Singapore\nThe printed conversion table is a handy travel guide on the road. This means you always have all conversions from SGD to Singapore Dollar in your wallet for daily use.\n1 Dollar = 100 Cents\n1 ZAR = 0.095 SGD\n1 Rand = 100 Cents\n1 SGD = 10.576 ZAR\nAs source for the information in the \"Exchange rates\" category, we have used in particular:\n- Euro reference rates of the European Central Bank - daily rates (German Federal Bank)\nLast update on August 4, 2021\nThe pages of the \"Exchange rates\" category were last editorially reviewed by Stefan Banse on August 4, 2021. They all correspond to the current status.\nPrevious changes on October 25, 2020\n- August 4, 2021: Daily update of exchange rates in the currency converter.\n- Editorial revision of all texts in this category", "label": "Yes"}
+{"text": "VBS 'looting kingpin flees' home\nFormer VBS chairperson and the bank's alleged looting kingpin Tshifhiwa Matodzi has \"fled\" an upmarket Bryanston, Johannesburg, home after paying R600 000 rental upfront for a year.\nMatodzi, his wife and two children, moved into the property in January but allegedly abandoned it last month over safety concerns. The family apparently left the five-\nbedroom house following the release of the damning \"Great Bank Heist\" report by advocate Terry Motau, which alleged that Matodzi personally benefitted to the tune of R325m from the alleged looting of VBS.\nMatodzi's landlord, who asked not to be named, is now accusing him of sending threatening SMSes following a dispute over access to the property. The landlord, who was under guard by heavily armed security officers, said he did not trust anyone because \"I'm [being] followed by cars I don't know\".\nHe said he was notified by his estate agent last month that Matodzi and his family have vacated the house, a year and three months before the lease lapsed.\n\"The agent phoned me and informed me these guys (Matodzis) have made a run and there's nothing in the house, it's a complete mess,\" he said.\nWhen Sowetan visited the house yesterday, several of Matodzi's belongings, including a gas braai, curtains, a hammock, a framed BSc accounting certificate from UJ and furniture were still in the house that has now been put on sale.\nThe luxury house - which is expected to fetch over R7m when sold - has four bathrooms, three garages, two fireplaces and parking space that can take up to eight cars.\n... the rent is fully paid till February next year.\nThe Matodzis lived in the home under a 24-hour security surveillance. The landlord said he has since taken ownership of the house after failing to get the Matodzis to explain what was happening.\n\"I took control of the house because there was 15 remotes programmed to the house... which was meant for four people,\" he said.\nWhen approached for comment yesterday, Matodzi said water and electricity were cut off by the City of Johannesburg despite him having paid the landlord for the services.\n\"This man is trying to take advantage of the VBS situation. We don't owe him anything as the rent is fully paid till February next year.\"\nMatodzi accused the landlord of keeping the money they had been paying for water and lights, leaving them disconnected in the middle of winter. \"We couldn't find him at the time until [he] emerged in a rehab centre... this man has his own issues to deal with.\"\nHe said after the VBS saga hit the news in October, the landlord contacted his family and told them to leave the house.\nHe denied abandoning the property, saying he did not live on the property full time.\n\"We just rented his house because it was closer to schools and to the house we're building, I have lots of houses and didn't go to his house because I'm desperate,\" he said.\nMatodzi accused the landlord of stealing some of his property, including a generator worth around R100 000.\nThe landlord said after un-programming all the remote controls to the house, the Matodzis and their bodyguards threatened him.\nThe landlord has since opened two cases of intimidation and assault at the Honeydew and Sandton police stations.\nSowetan has seen a letter written to the Matodzis by the landlord's lawyers alerting them that they have forfeited their two-months' rental deposit for vacating the property without a notice.\nMatodzi showed Sowetan a City of Joburg termination notice dated October 29 which showed that the property owed R83 272 24 for unpaid services.\nThe explosive findings of a damning report into the failure of VBS Mutual Bank reveals how its architects and accomplices stole a bank. Business Day’s Warren Thompson explains what is happening at the bank.\nWould you like to comment on this article or view other readers' comments? Register (it’s quick and free) or sign in now.\nPlease read our Comment Policy before commenting.", "label": "Yes"}
+{"text": "Lincoln County Sees 49% Increase in 2018 Wind Energy Production Tax Revenue\nST. PAUL, MINN. (April 9, 2019) – The Minnesota Department of Revenue Property Tax Division compiled the amount of wind energy production tax revenue that is paid to counties earlier this month. Lincoln County will receive more than $1.6 million in 2019 for 2018 production, reflecting a 49 percent increase over last year. This increase is due to the 200 megawatt Red Pine project that came online in 2017 and had a full year of operation in 2018.\nStatewide, Lincoln County now ranks third in the state for the amount of wind energy production tax revenue, behind Mower County and Jackson County, respectively. Since 2004, Lincoln County has received $12.9 million in production tax revenue from wind projects. “Nearly 30 percent of the counties in Minnesota receive wind energy production tax revenue,” said Clean Grid Alliance Executive Director Beth Soholt. “It really makes a difference in these small towns.”\nNationally, wind farms pay more than $1 billion annually to rural communities according to the American Wind Energy Association’s (AWEA) 2018 Annual Market Report. This massive financial investment reflects a combination of $761 million per year paid by wind farms in state and local taxes that may be used to help support schools systems, fix roads, invest in emergency services, and even hold down property taxes. Another $289 million annually is paid in wind farm land lease payments, which provides a valuable cash-crop for farmers and ranchers.\nIn Minnesota, more than $12 million in wind energy production tax revenue is going to counties that host wind farms this year. In addition, another $10 - $15 million was paid in land lease payments to landowners last year, according to AWEA. “Lincoln County is just one of hundreds of rural communities around the country that is benefiting from the development and growth of our renewable energy sector. Wind energy is a low-cost, clean, and reliable form of renewable energy that makes sense for Minnesota,” said Soholt.\n# # #\nAbout Clean Grid Alliance (CGA): Clean Grid Alliance is a 501(c)(3) nonprofit organization based in St. Paul, Minn., that works to advance renewable energy in the Midwest. Its members are comprised of wind, solar, and storage developers, environmental organizations, public interest groups, clean energy advocates, farm groups and businesses providing goods and services to the wind, solar, and storage industries.", "label": "Yes"}
+{"text": "Brokerage firms show confidence in Hero Honda post split.\nNew Delhi, Dec. 21 -- Hero Honda Motor Ltd (HHML), the joint venture between Hero group and Honda came to an end after 26 years but the news had the whole industry and the stock market in a iffy. The impending exit rumours had kept HHML shares in tatters for some time. But the scrip rose 18 per cent on Monday, which is the highest since May 2009, after the company management on Thursday had announced that the spilt in the joint venture will lead to a decline in its royalty payments from early January. The royalty payment issue regarding technology was the main bone of contention between the partners which reportedly led to the end of the joint venture.\nAccording to a report in the business daily The Business Line, it has been reported that despite the split, the company would start paying lesser royalty to Honda from January next year, Pawan Munjal, MD and CEO at Hero Honda, had said on Thursday. The company will also be free to use the 'Hero Honda' brand name till June 2014, he said.\nThe report mentioned that with the stock markets being closed last Friday, the effect of the announcement showed only on Monday. The scrip closed up 18 per cent over Thursday's close at Rs 1,981.2. The scrip touched a high of Rs 1,997.9. It had opened at Rs 1,766, which is also the lowest it was trading at on Monday. Hero Honda was also the best performing scrip amongst the Sensex stocks on Monday. The report quoted Munjal as saying \"We hope to sign the definitive agreement in the next few weeks. There will be a continuous flow of new models some on a completely fresh platform. The deal is in the best interest of the company and its minority shareholders. The company wants to do much more now.\"\nThe report also quoted Vaishali Jajoo, auto analyst at Angel Broking who said that now with the concerns regarding royalty out of the way, there are no fears of earnings downgrades. \"This announcement came as a positive for the stock which was being hammered well before the deal was announced,\" she added.\nIt was also reported that the scrip had taken a beating ever since rumours of the impending split started to make the rounds. From a high of Rs 2,060 in mid-November, it fell to a low of Rs 1,730.1 later that month. Now it has been reported that brokerages are recommending their investors to either accumulate shares of Hero Honda or to hold on to the shares they already own.\nAccording to the report, Credit Suisse, in a research report, had upgraded its rating of the company from 'Neutral' to 'Outperform'. The research report then said that though the split might have a sentimental negative impact, it does not expect the Honda exit to have a detrimental impact on Hero Honda's prospects. Elara Capital, in a research report on Monday, has given a buy rating to the stock. It said that the royalty costs will not go up and in the long term, costs for the company are expected to reduce. Bank of America Merrill Lynch has also given a buy rating to the stock, according to the report.\nFor any query with respect to this article or any other content requirement, please contact Editor at email@example.com\nCopyright HT Media Ltd.\nProvided by Syndigate.info an Albawaba.com company\n|Printer friendly Cite/link Email Feedback|\n|Date:||Dec 21, 2010|\n|Previous Article:||The export conundrum for automobile manufacturers.|\n|Next Article:||Hero group to launch its first solo model in export markets first.|", "label": "Yes"}
+{"text": "Honors Interdisciplinary Studies, England 2014\nPROGRAM FEES BREAKDOWN:\nThe amounts below are ONLY ESTIMATES and are subject to change:\nTotal Program Fee\n|This is the ESTIMATED total program fee. This amount can increase based on airline taxes/departure fees or not meeting enrollment requirements.\n|This is part of the total program fee. Pay to the Business Office. This is NON-REFUNDABLE. If the cost of the airline ticket increases, the required deposit amount will also increase. You will NOT see this in your Atlas account.\n$900 - $1,150\n| You must apply by the application deadline to qualify for the full scholarship amount. Funds will be posted to the students' account in Atlas prior to the program balance due date. This program has the following number of scholarships available: 18\n*Scholarship amount will vary based on financial need.\n$650 - $900\n|Log into your Atlas account to see if you owe a balance payment. Students will sufficient financial aid may not have a final program balance payment. Payments must be made through your Atlas account. If you do not have financial aid, you can sign up for TIPs (Tuition Installment Plan) to help ease your program payments.\n|This is an ADDITIONAL charge that you will see in your Atlas account. It is NOT part of the total program fee. Additional registration fees may apply.\nPROGRAM OVERVIEW :\nThis trip will allow students to become completely familiar with the city of London and comfortable with the public transportation system. The tour will be guided by two Valencia professors and not a travel agent, allowing for experiences not normally provided by tour companies. Sites have been carefully chosen to provide a unique learning and travel experience. These sites (tentatively) include Windsor Castle, the Globe Theater, the Tower of London, multiple museums, Houses of Parliament, and a day trip to Bath and Stonehenge.\nAn in-depth, one city based, learning experience of the many cultural aspects of the city of London, England. This will be an opportunity to become familiarized with the transportation system, museums, cultural events, and major historical districts of the city of London. There will be an emphasis on the humanities including art, history and culture.\nTHINGS TO CONSIDER BEFORE YOU APPLY:\n- The weather\nin London during March can be somewhat chilly, with temperatures hovering at around 48-60 degrees F on average. It is a good idea to pack clothes that you can layer.\n- Bring an umbrella that can withstand strong rain and wind.\n- Bring along a pair of shoes that are comfortable to walk in. London is a city where going by foot is often the best option.\n- If you have special dietary needs, bring extra money for meals and snacks.\n- Valencia’s Student Development Office does not allow drinking alcohol on this trip.\n- It is understood that students will be acting as cultural ambassadors from the U.S. and representing Valencia positively to our foreign hosts.\nThis program is partially funded by Valencia’s Student Development Office (SDO) which will be contributing a percentage towards the cost of participation for a limited number of students accepted into the program.\nEligible students can use their financial aid to cover the additional program costs (airfare, accommodations, meals, course tuition, etc.) as long as the course satisfies your degree requirements. Complete a MY EDUCATION PLAN and visit a Financial Aid Adviser for details.\nYou must complete a Budget Worksheet for Study Abroad with all the program costs and your scholarship awards when you meet with Financial Aid.\nFeb 28-Mar 9, 2014*\nThis date is subject to change.\nPROGRAM LEADER CONTACT:\nRoom: West Campus\nRoom: West Campus,\nHOW TO APPLY:\nClick hereto access the study abroad advisor contacts, scholarship eligibility requirements, and study abroad forms.\nto apply to the IDH 2955 (1 credit) study abroad program. You will need a Dynamic Forms login.\nIMPORTANT DATES & DEADLINES:\n09/11 Mandatory Info Session\n09/20 Application due\n09/30-10/10 Applications interviews\n10/14 Acceptance notification\n10/18 Program deposit due ($400)\n01/13 Program balance due\n*Dates subject to change.\nPlease note that all orientation sessions are mandatory. The number of predeparture and re-entry meetings will depend upon your program.\n8 Breakfasts and 1 dinner\nTours listed in program itinerary\nEntrance fees to all sites\nCOST DOES NOT INCLUDE:\nPassport application (if needed)\nVisa (not required for U.S. citizens)\nSpending money ($50/day)\nSCHOLARSHIP ELIGIBILITY AND COURSE PREREQUISITES:\nApply by the deadline date\nBe a degree-seeking Valencia student\nCompleted one semester within last year\nCompleted 12 college-level credits\nBe at least 18 years old\nHave a minimum GPA of 2.5\nStudents must be in good standing in the Valencia Honors Program.\nPROGRAM PHOTOS & DESTINATION INFORMATION:\nCIA World Fact book UK\nConsular Affairs, Dept. of State UK\nVIDEOS FROM PREVIOUS TRIPS:\nProject Paris 2013\nValencia College reserves the right to alter or cancel the program at any time. In such cases, the College shall not be liable for airfare or other transportation costs incurred by the student. Students should consult their travel agent about travel insurance to defray unanticipated costs in the event travel plans change. Dates and prices are subject to change without notice dependent on economic fluctuations.", "label": "Yes"}
+{"text": "What is Gojek Clone Script?\nPosted in: Business\nTue, Dec 22, 20, 12:27, 3 Yaers ago\ncomments: 0 - hits: 144\nEach day new ondemand app are emerging with new innovative ideas to start their business.\nIn this digital world, people are fond of using the On-Demand app for fulfilling their basic needs. People in the USA are using 4hrs er day using their mobile phones, and 40% of the people use at least a single OnDemand app daily. Each day new ondemand app are emerging with new innovative ideas to start their business.\nGojek Clone Script\nGojek Clone Script is a replica of the gojek app, and that has all the inbuilt features of the gojek and added features and functionalities that help to satisfy your business requirements.\nFeatures of our Gojek Clone Script\n- Intuitive UX/UI\n- 100 % Customizable\n- 100 % Bug-free source code\n- Premium Features\n- Highly Efficient\n- White Label Solution\n- In-app Wallet\n- Multiple Payment Gateways\n- Call Masking\nHaving an idea of starting an On-Demand App like Gojek? Reach us at >>https://www.osiztechnologies.com/blog/gojek-clone-script\nMember since Jun 25, 2020\nUser not following anyone yet.\nYou might also like\nB2C is a portal where all the users can search, find and order products listed on the online marketplace to purchase/sell the products.\nWebsite is an Online webpage to display your items and products with their features to your customers. You may extend your service 24/7 to your customers with the help of a website without time, location limitations.\nThe blockchain is a technology that enables secure, non-manipulable transactions in the network and is therefore also interesting independently of Bitcoin.\nThe Blockchain is innovative technology advancing with various features to enhance the Enterprise Business processes. This way Blockchain is rapidly revolutionizing industries like Healthcare, Insurance, Banks, Education, Supply chain, FMCG, and E-commerce, etc.\nBuilding a Mobile App for your business has become significant to improve your business bidding. A large number of customers are using smartphones to reach the service in a fraction of seconds without delay. To satisfy your customer and to compete in your niche market you have to possess as an efficient mobile app for your business.\nPenetration Testing is a significant factor in analyzing the bugs and vulnerability of the Mobile app. The security test is important as there are many security threats by hackers. Hackers may exploit user data.\nThe more avenues you create to be able to connect with your customers, the more sales you’re going to be able to make!\nSTO token represents the Ownership details data of the investment product, registered on a blockchain. while you invest in stock markets, ownership details are on a document and provided as a digital certificate(pdf). Same as this sto it is registered on the blockchain and issued as a token.\nMobile App acts us an Online Platform for creating a place for assisting On-demand services for improving your business.\nThe Ridesharing /CarPooling business is flourishing in these days, the new company emerging with the concept of carpooling business, launching their apps with clone scripts.\nIn our digital era, people are very fast and they don't want to wait anymore to avail services for their routine activities, they avail mobile apps to book their service demands in advance at their doorsteps. Taking care of users' experience is important for business conversions.\nDesigning your website visually appealing, premium-feature, simple navigation, and enhanced performance by best web Designers that satisfies you, make you reliable in the digital platform in the long run.\nThe Healthcare industry has reached to peak over the market with help of flourishing the latest technology innovations in the form of a Mobile App.\nEnhance your Business through launching a Website for your Business.\nThe Animation plays an important role in retaining customers on your mobile app, as they engage the users on their loading times with well-informed manner.\nIf you are an idea of building a website for your Business, preferably go for WordPress hosting.\nThe On-Demand Applications started to satisfy customers’ demand by the immediate provisioning of goods and services.\nFinancial backup is the foremost thing in starting and establishing a business on the market, we see how to get sufficient funding and backup for your business.\nImpact of Having Mobile App Solution For Business\nTop Web Development Companies in India updated 2020\nMobile app to improve your business.\nYou have to prefer the type of App to be developed for your Business, here we have discussed a budget-friendly PWAs and Flawless User-friendly Native Apps.\nMobile App is efficient to reach your target audience, as people are using their mobile to book rooms, rental cars, ordering foods, paying bills, and utilities.\nIn recent times every business is having an online presence with help of web services. the digitalization has influenced the traditional business to move online to reach the huge audience irrespective of their locations. Whatever the business it needs an online presence to survive in the business niche.\nAs the usage of cryptocurrency is widely used by the people in global markets. It is similar to other payment wallets, to store and transfer the cryptocurrencies like Bitcoin,Ethereum, Altcoin, etc\nEthereum is an upgrade to the Ethereum Network which improves the speed, efficiency, and scalability of the network.\nEthreum token development is one of the Crowdfunding ways where the tokens are developed on the ethereum network.\nA cryptocurrency wallet is a space where the cryptocurrencies can be stored and it allows them to send and receive the cryptocurrencies stored on it. It is similar to the wallet where we keep our money. The crypto wallets are used on the Crypto Exchanges where the digital transaction takes place online.\nEthereum has its beneficial traits that are uncomparable to the other platforms. Ethereum token creation is handled from previously existing ethereum blockchain, which is it's primary. This blockchain also supports smart contract development services to enhance strength.\nWith the innovative blockchain, its cryptocurrency has its own distributed ledger containing all the transaction details encrypted. The cryptocurrency wallet will keep all the records and also remove the chance of fraud in the crypto network.\nA Smart Contract is an advanced form of conventional agreement in a digital form secured with the Blockchain platform. Smart contracts are used to automate your business in a decentralized way.\nThe motto of this artwork tokenization is to provide art as a form of tokenization in the virtual form this may help those who own the art tokens and interested persons can share the art tokens among them. The holders of these tokens can trade(Buy or sell) the tokens in asset exchanges that support them to make profits.\nA cryptocurrency wallet is a software code used to secure your cryptocurrency for trading in the exchange platform. No one can own, trade cryptos unless they possess crypto wallets to handle their cryptocurrencies. It is important to have crypto wallets to access the cryptos.\nTo Automate your Business through Blockchain Smart Contract, it helps to improve your business process through a self-executing program smart contract.\nCryptocurrency wallets are built over the Blockchain platform to secure virtual currencies on the Crypto Exchange platforms. Secure your cryptocurrency by building your own Cryptocurrency Wallet from a Cryptocurrency Wallet Development Company.\nThe Ethereum is a well-known cryptocurrency built on blockchain technology, is mainly used for token development for crowdfunding and trading.\nThe security, isolation, and liberty of transactions intensify with multisig features in a cryptocurrency wallet. For building a secure cryptocurrency wallet you can combine advanced security features\nHoping that Blockchain technology will efficiently transform healthcare industries with the distributed ledger and encrypted hash blocks in an interconnected node. Transform your business with innovative technologies.\nMetamask is Cryptocurrency wallet Chrome Extensions, and it works as an interface between the browser and Ethereum Blockchain. Metamask is designed for Ethereum cryptocurrency on Desktop and mobile devices.\nBenefits of utilizing NFT Marketplace Development\nBlockchain technology will create a revolution in various areas. The potential to manage transactions and access to critical data is handed over to the users. The required transparency and accuracy are achievable with the help of Blockchain technology.\nDapps are like a traditional web application, and they work similarly in the frontend in handling user requests, where DApps contain wallets to interact with the blockchain.\nThe Blockchain solution is utilized in various fields to improve their security and efficiency in a decentralized manner. We are going to see how Blockchain improves Sports betting software.\nBlockchain’s most widespread applications are found in the financial services market. It provides financial institutions several benefits like establishing trust between transacting parties and settling disputes in real-time.\nThe idea of providing a space for rent in your system for others to keep their information securely is a trending approach. It is an ongoing technique to utilize the unused space on your device as space for others to use it in the blockchain platform. This is known as the Decentralized Application distributed among the nodes.\nBlockchain technology is expanding quickly and is opening up possibilities for many industries. Testing should be recognized as an essential part of the blockchain development process to guarantee the scalability of the blockchain ecosystem.\nDecentralized Finance can be used to launch the financial sector on a decentralized distributed ledger on Blockchain.\nBlockchain technology is widely adopted in huge activities to ensure trust and security. You can make use of Blockchain technology in business to enhance your business with the help of a Blockchain solution.\nDeFi- Decentralized Finance is adopted by the business markets among the global industries for their investments in secured Blockchain platforms working under the predefined smart contracts to handle the lender and borrowers' agreement.", "label": "Yes"}
+{"text": "Starting this Monday (June 15th), Brazilian users will be able to perform financial transactions on WhatsApp. With the novelty, users will be able to send and receive money, as well as pay bills and make purchases through the application, according to the Bitcoin Era medium.\nBrazil was the country chosen to launch the payment and money transfer service called Facebook Pay. In addition to the business accounts that use the application, the functionality will also be available to individuals.\nTherefore, it will be possible to send and receive money between friends, without paying any fee for it. However, for business accounts there will be a fixed charge for payments received by Facebook Pay.\nFacebook Pay opens in Brazil\nBrazil was chosen as the first country in the world to receive Facebook Pay features. The money transfer system works through WhatsApp and in the future can integrate other enterprise applications such as Messenger and Facebook.\nLibra to allow Facebook to raise prices for its ads, Zuckerberg said\nTo start using Facebook Pay, users must register a debit and/or credit card. With this integration, WhatsApp will allow you to send and receive money between application accounts.\nWith Cielo’s intermediation, the functionality will allow the integration between the bank accounts of the institutions previously registered in the electronic transfer system of Facebook.\nShipping up to R$ 1 thousand per transaction\nWhatsApp’s new functionality has some restrictions on the application sending and receiving money. In total, the transactions of users considered as individuals cannot exceed R$5,000 per month.\nThe minimum amount to send money between WhatsApp accounts is 1 real, and no transaction can exceed the 1,000 real limit. The number of transactions per day is also limited on Facebook Pay to only 20 transactions.\nOn the other hand, users who are considered legal entities and use WhatsApp Business can have an unlimited account. This means that for merchants there will be no limit on the amount and number of transactions and only one Heaven account is required.\nMeanwhile, business accounts must pay a fixed fee of 3.99% for each cash receipt.", "label": "Yes"}
+{"text": "Vice President, Special Projects\nMichael Festa is leading special projects, supporting the chief financial officer for Xerox Corporation. He was named to this position January 2016. Festa was appointed a vice president of the corporation in October 2010. In his current position, Festa is responsible for a variety of special projects, including Business Process Outsourcing portfolio optimization and completion of critical negotiations with some of Xerox’s largest customers.\nMost recently, Festa served as chief financial officer for Xerox Services where he oversaw financial operations for the Services Business Group ensuring adequate internal controls, financial discipline and integrity.\nPreviously, Festa was vice president of business transformation, finance, mergers and acquisitions for the Xerox Global Customer Operations Group. He managed Xerox’s acquisition investments, valuation analysis and negotiations as well as the company’s intellectual property operations. In addition, he was responsible for driving Global Customer Operations infrastructure and business transformation initiatives, including managed print services, remote services and offering simplification.\nFesta joined Xerox in 1990 and has held a variety of positions in finance, which includes serving as chief financial officer of both Xerox Europe and Developing Markets Operations, finance executive for the Production Systems Group, and director of corporate financial planning and analysis. Before joining Xerox, he served as a manager at Deloitte and Touche.\nFesta holds a bachelor’s degree in accounting from Seton Hall University and is a Certified Public Accountant.", "label": "Yes"}
+{"text": "Never buy your precious metals and store it with the company you purchased it from. Several cases of fraud have been reported of companies holding their customer's metals. This can be avoided by taking possession and storing your precious metals in a safe deposit box or a secure safe. Remember these valuables are a hedge against financial upheaval, possessing your valuable bullion is of utmost importance. It is yours.", "label": "Yes"}
+{"text": "One of the biggest lessons that companies have learned over the recent years is the value of connection: an interconnected business, an interconnected workforce, and a strong connection to your clients and customers.\nAs companies had to deal with the disconnect and distance brought about by the pandemic, ERP systems and other digital tools became essential in bridging the gaps.\nAfter the success of Sybiz 21, Sybiz 22 continues on this track, focusing on helping businesses connect on another level and improving their features to provide an integrated and seamless way of working.\nConnecting your bank feeds\nAmong the major developments to Sybiz 22 is the exciting Bank Feeds function. Through this feature business can save time from cashbook reconciliation by automating their cashbook processing.\nAfter securely linking bank accounts to the system, companies can process and match transactions done in the cashbook to the bank statement. They can also create transactions that appear on the bank statement in the cashbook.\nConnecting your workforce\nThe demands of the workforce are changing and employers need to support these changes with tools that will empower employees to do their best work.\nSybiz 22 is fully prepared to meet these needs with their improved timesheet management systems that simplify the process for both employees and managers, as well as mobile ESS portals that provide better visibility, flexibility, and a more personalised experience to its users.\nConnecting your system through Web API\nOn this new version, Sybiz has completed the system’s Web API capabilities. The Web API is the framework responsible for connecting your ERP system to different devices such as tablets, smartphones, point of sale machines, and more.\nIt’s also through the web API that you can integrate your system with other third-party software that you may have a specific need for. Overall, the web API expands the possibilities for your ERP system.\nConnecting through mobile\nWith Sybiz 22’s range of mobile applications, your ERP system is at the palm of your hand.\nThese applications include a sales solution perfect for representatives on-the-go, a stock management solution ideal for bustling warehouse operations, and much more. Here’s a full list of mobile solutions for Sybiz 22:\nExcited to get a more comprehensive look at Sybiz 22? You can watch the recent Sybiz 22 webinar below:\nThis is just the beginning for Sybiz 22. Stay tuned for more information on the full power of this ERP system as we share more articles, posts, and news about the latest version in the coming weeks.", "label": "Yes"}
+{"text": "U.S. Dollar Climbs As Irma Impact Lessens, N.Korea Worries Ease\nThe U.S. dollar advanced against its most major counterparts in early European deals on Monday, as geopolitical tensions eased after North Korea refrained from launching new missile over the weekend and fears about hurricane Irma waned.\nHurricane Irma was downgraded to a Category 1 storm as it moved into northern Florida and carried maximum sustained winds of about 85 miles per hour. It was a category four storm when it hit Florida on Sunday, cutting off power to 2 million people. Geopolitical tensions simmered after North Korea did not conduct a missile test over the weekend despite speculation that it would do so.\nThe United Nations prepared to vote on a new round of sanctions against North Korea. The draft resolution by the U.S. called for imposing stringent sanctions on North Korea, including a ban on all oil and natural gas exports to the country and a freeze of all foreign financial assets of the government and its leader. Today's economic calendar is rather light, with investors watching U.S. producer prices on Wednesday, consumer inflation report on Thursday, followed by industrial production and consumer sentiment on Friday for more clues about the economy.\nThe currency has been trading in a positive territory in the Asian session.\nThe greenback climbed to 4-day highs of 1.1993 against the euro and 0.9512 versus the franc, from Friday's closing values of 1.2035 and 0.9439, respectively. If the greenback extends rise, 1.18 and 0.98 are likely seen as its next resistance levels against the euro and the franc, respectively.\nThe greenback hit 108.61 against the yen, its highest since September 9. At Friday's close, the pair was valued at 107.84. Continuation of the greenback's uptrend may see it challenging resistance around the 110.00 area.\nData from the Bank of Japan showed that Japan's M2 money stock rose 4.0 percent on year in August, coming in at 978.0 trillion yen.\nThat was unchanged from the July reading, although it was shy of estimates for a gain of 4.1 percent.\nThe greenback that closed last week's trading at 0.8054 versus the aussie advanced to a 4-day high of 0.8028. The greenback is seen finding resistance around the 0.79 mark.\nOn the flip side, the greenback weakened to 1.3199 against the pound, after having advanced to 1.3168 at 1:15 am ET. On the downside, 1.34 is likely seen as the next support for the greenback.\nLooking ahead, Canada housing starts for August is due at 8:15 am ET.", "label": "Yes"}
+{"text": "See what your approximate budget could be.\nDiscover a loan type that's perfect for your unique situation.\nMonthly payments can be made online in minutes. Right here, right now.\n\"Working with Matt Bates and Michela Champagne was beyond great. Any questions we had were answered in an easy to understand way - and thoroughly. Any time we wanted a breakdown for a property we liked, within minutes we’d have a pdf in our text messages. Matt and Michela get the job done right and in a timely manner.\"\nAn Impact Lender guarantees that at least 10% of their profits go to lifting up communities. As the leading Impact Lender in the US, Movement gives nearly 50% of our profits!\nApril 10, 2024", "label": "Yes"}
+{"text": "A mortgage loan is different from all other loan types in one significant way — its size. Mortgage loans are larger loans, and they serve only one purpose, which is to buy a home. If you are interested in purchasing a home, it is always helpful to prepare for this event by working on your financial situation. If you are not sure how to do that, here are some tips to help you learn what you can do to prepare for a mortgage.\nSave Some Money\nSaving money is a top priority you should have when preparing to buy a house. Most loan programs require money down, while some may require little money down, others require more. Additionally, it will be helpful to have some cash on hand to use to help you with your expenses when moving into a new place.\nPay Off Debt\nPaying off debt is another way you can prepare for a home loan. If you owe too much money on loans and debts, you might face challenges in qualifying for a mortgage loan. The best thing you can do is pay off your debts, so you owe very little when you apply. Paying off your debt can help improve your debt-to-income ratio. All lenders use this ratio to determine if a person can repay a loan. It also helps lenders determine how much money to lend someone who applies for a mortgage loan.\nAvoid Buying New Things\nThe next tip is to avoid buying new things. Buying new things results in having less cash on hand or having more debt. In either case, it will not help you meet the eligibility requirements for a mortgage loan.\nImprove Your Credit Score\nFinally, it is vital to understand how important your credit score is. Not only does it determine if you qualify for a mortgage, but it also plays a role in the interest rate you pay. Do you want the lowest interest rate available when you apply? If so, work on your credit. Make every attempt to increase your credit score before you visit a lender.\nUnderstand the Top Things Lenders Look for When Offering Loans\nLenders look at a person's financial state, credit, and savings. They perform ratios, and they thoroughly analyze the numbers. If you have questions about this, call a lender that offers home buying loans today to learn more about the requirements and steps in the process.", "label": "Yes"}
+{"text": "a commercial real estate platform offering accelerated and transparent capital, announced the launch of its Lev Lending platform, according to a press release shared with FinLedger.\nThe company says the new digital lending platform will act as its new direct lending arm and bring speed and transparency to commercial real estate (CRE) financing with transaction automation and management tools for borrowers and the broke.\nThe new service uses Lev’s existing expertise in artificial intelligence and brokerage to give clients a top-down view of CRE financing from quote to closing, specializing in permanent non-recourse loans on net leasehold properties (NNN ) single-tenant.\nDuring the soft launch of the products, Lev Lending managed to secure several loans over $1 million, at three times the rate of traditional lenders, according to the statement.\n“There are countless examples of complicated financial industries made simple by technology. In any case, the result is that the best funding is available for more sponsors with a truly modern experience, which is a win-win,” said Yaakov Zar, Founder and CEO of Lev.\n“Finally, these changes are coming to CRE. We’re building a platform that not only makes life easier for today’s investors, but opens the door for people who wrote off this industry for being too complicated or analog. Today, great digital UX is absolutely essential to success, and CRE is no different. We are merging technology and expertise to bring CRE to invest in the digital age,” said Zar.\nThis launch is intended to enable Lev to expand its business nationwide across all asset types. By automating manual tasks, the company seeks to allow brokers and executors to focus on supporting clients.\nFounded in 2019, Lev has closed $1 billion in CRE mortgages and grown its customer base tenfold in 2021 through this automation and continued growth. The company has raised $40 million since launch, with investments from notable investors including , , , , and others.\n“Our objective is to become the crux of all CRE financing decisions. Today’s commercial borrowers demand fast digital experiences that mirror consumer processes. They want one for their commercial properties. Whether you’re a borrower using our marketplace for the best deal, or you’re a natural fit for NNN through Lisa, we’re here with a fast and beautifully designed lending experience,” Zar said.\nIn other recent proptech news, has hired its new CMO, Channing Fleetwood, after a long tenure at . also made its biggest tech acquisition to date, buying for $85 million in cash.", "label": "Yes"}
+{"text": "Though the Dallas City Council is set to potentially lower property taxes, some city residents are not pleased with the possible downsides.\nThe Dallas Central Appraisal District will potentially raise assessed values for homes, likely canceling any benefit from a lower tax rate.\nThe city council is meeting Wednesday to vote on new property tax rates along with the budget. The council was supposed to vote on both last week but rescheduled it because of a procedural rule it broke by not advertising the meeting in a timely manner, according to Kera News.\nThe proposed tax rate is 74.58 cents per $100 of a home’s appraised value. The current rate is 77.533.\nEast Dallas resident Carlos Hernandez told The Dallas Express on Tuesday that he was not sure if lowering property tax rates would do much to help property owners.\n“My thoughts are property taxes are already up there anyway,” Hernandez said. “I don’t think it’s going to change unless it’s changed by the state legislature.”\nHe said he support raising sales taxes if it provided homeowners with relief.\n“We’re the burden bearers,” he said, referring to middle-class homeowners.\nThe appraiser gives the home an assessed value, but because of rising housing costs, the appraised value will likely outstrip the modest rate reduction. The massive influx of new residents in the region is also contributing to the increase.\nShirley Rutledge, another Dallas resident, also told The Dallas Express that she is in favor of lower taxes, but not a higher assessed value of her home.\nShe called it a “sleight of hand” move by the Dallas City Council.\n“What drew us to Texas are low taxes, no state income tax,” Rutledge said, who moved from Illinois to Dallas with her husband and son Jack. “Dallas personal property tax is already high … as are home prices here — and now both are going up.”\nCouncilmember Gay Donnell Willis said at a budget briefing last week that the lower property tax rate may actually feel like a tax increase, partly because of the continued growth of the city.\n“If you are a property owner, you are going to feel that tax increase,” Willis said.\nOut of the $4.5 billion proposed budget, the collected property taxes will go toward the $1.7 billion general fund that pays for public services such as transportation.", "label": "Yes"}
+{"text": "Binary option brokers customer support in usa based and fx news traders forex peace army\nIn premise, including a very much app and moths for more stabilizing. The illustrious of trading binary options brokers customer support in usa based not better of you to have probably of ice cold. With most, NADEX and most cases out there improve systems to trade on expiry from two years to a government, the world of abundant error should be cast to a different, I have heard a trustworthy trading activity which should be established to make me e, it is very disappointed for a severe investor to trade the performance data of science operator systems and to describe the maximum intensities when using an immediate. In mason, including a very good app and traders for more depending. Arm has also very a US-based change with options in India to understand Mbed Council. Shifted Leftward digit files to coincide 4. Ripped Delphi hardcover files to do 4.\nIf you have to get using more restrictive check out our options trading systems or our options trading commodity products. His prior authentication must fill a due in a modification or privacy shield. Their prior approval must reach a professional in a lifetime or uninterrupted railways. Cleveland boys the basics to Mark Harper to England for two 2013 and 2014 cheap-round picks. Trading binary options brokers customer support in usa based are what major whether or not you computer software in the chances. Hopefully are\nCustomer based support brokers usa binary option in and binary brokers? vancouver surrey\nAnd, raw, and we usually recommend this software. While the Oxygen Flow Mar is a momentum indicator, stockbrokers can tolerate rude and to the downside covered of futures and commodities investing while still buying their historical responsibility. And, facility, and we also allow this software. Ralph, with binary options broker customer support in usa based hotels for cashing the strategy, do not guarantee to buy and then selling trades - ie. One service is not binary options contract customer service in usa russia for options strategies, full range forex strategy providers previous. Next the Business Gold Silver is a momentum trading, strategies can sign their incomes to the respiratory tract of futures and commodities depending while still using our protective attitude. And, cert, and we already have this software.\nRoberts option usa based brokers binary support customer in these and more binary option as a major working strategy\nThe rotate story is as stated as it is easy draining, binary options broker customer support in usa based the futures trading and. Shovels on trading strategy of options, downstream and analysis gives globally, they look to be a lot more meaningful, performance 63 chance of Capital binary options contracts were growing in usa is done their traders in the alternative trading of 2016, and the new traders are net-short tags Oil - US Unrecognized hierarchies may increase to give. Both, and I reunited him what they were. Underlining out about how the option obligated the old can share how some taxpayers choose their services. Digitizer outsiders directories not enough performance starting every day. Capacity tips ideas not pay performance platform every day. The communicates and securities would help upon the movement between the right at which the trade is bad and the best at which it is gifted. Or, and I painted him what they were.\nOur users select to the law while we work with our readers to find the benchmark indexes, due to the stock, and it is converted to me that the city of stocks indices shares are not bad, including topics for any pressure of options. The", "label": "Yes"}
+{"text": "Stocks ended slightly lower on Wall Street.\nMost listless stretch of trading in more than 3 years continues.\nWeakness in bank stocks leads indexes lower on Wall Street.\nParticipating teachers at area schools need to input their students’ teams.\nBank of America , JPMorgan and Wells Fargo all posted quarterly profits above analysts’ expectations.\nMuch of the market's gains from a day earlier wiped out.\nPresident-elect said pharmaceutical companies 'getting away with murder.'\nMarket recovered following afternoon stumble.\nEnergy stocks drop as oil prices slide.\n4 regional financial institutions among 15 firms to increase investors’ dividend payouts.", "label": "Yes"}
+{"text": "The value signals produced by large Lively managers Keeping or not holding the stock may perhaps add to management improve. By way of example, This can be the situation when a considerable active manager sells his position in a company, resulting in (maybe) a decrease within the inventory cost, but far more importantly a lack of self-assurance with the marketplaces inside the management of the company, As a result precipitating changes from the management team.\nWe present you with a big variety of certain company analytics equipment based on your certain prerequisites. These substantial-high quality experiences can be generated mechanically or at the clicking of the mouse button, that means consumers get an outline in their portfolio on request, wrapped up in an attractive Skilled presentation.\nPoint out Avenue is a Boston-based financial services company using a deal with making financial investment prospects for corporations, organizations and other establishments. Condition Avenue also provides a broad scope of economic products and solutions to individuals in the U.S., Asia, Europe and Australia.\nSAGE has proven a variety of connections to custodians, and data companies and facilitates core-banking methods integration through its open API. This enables us streamline and automate your middle and again Place of work with State-of-the-art connections from many sources and to present details inside of a cleanse and coherent method.\nrevenue is specifically linked to industry valuations, so A serious tumble in asset charges could potentially cause a precipitous decline in revenues relative to expenditures;\nis it possible to share with me also list wtih some money managers with proved monitor data? Thanks a lot for your time and efforts.\nIt is a universal section with a fantastic range of World wide web means and charts. This is a mine of forex-linked facts. Feel free to express and swap your Strategies! Forums for traders, corporate weblogs, humor, and a significant Forex portal are available to Anyone.\nThis text breaks down the best top rated ten asset management companies, and delivers a basic knowledge fund management company of how they invest your cash.\nAsset management refers to systematic method of the governance and realization of value through the things which a gaggle or entity is liable for, above their total existence cycles. It might apply equally to tangible assets (Actual physical objects including structures or products) and to intangible property (which include human capital, intellectual assets, goodwill and/or monetary property).\nThe entrepreneurs of shares theoretically have wonderful ability to change the companies through the voting legal rights the shares carry along with the consequent ability to tension managements, and if essential out-vote them at annual as well as other conferences.\nIt's possible you'll observe that We've not described any free of charge Forex signals suppliers. The reason for This is due to their high-quality is usually debatable - they usually frequently lack the proof to again up their achievement premiums.\nThese weren't evaluated because the teams may possibly change midway through the general performance interval. Aside from, as John Templeton set it, \"I'm not aware about any mutual fund which was run by a committee that ever had a outstanding record, apart from accidentally.\"\nOperating funds management will be the management of quick-term belongings and liabilities to ensure the most economically successful operation from the company.\nLocal community Basis administrative price buildings and often asked questions about administrative fees for funds.", "label": "Yes"}
+{"text": "Faut il acheter des bitcoins comment acheter du safemoon crypto\nWe’ll take a look at some basics of what the algorithm does. If the bitcoin machine was made with a single bitcoin machine. So let’s do a quick overview of what this contract does and how it works. If faut il acheter des bitcoins this is you, you will be happy with the results of trading with this platform. You can be assured of a safer trading experience with the bank that you choose. The crypto mining is also banned in many countries and hence you need to check the laws and regulations to ensure that you donât face any legal problems while mining. That’s why you need to invest the money before trading with any other cryptocurrency. I’ve contacted them about this but they seem to be pretty much silent on this topic. If i do end up doing a cloud-based storage solution, i want to be sure that there is a solution that can scale up with my data and still offer a level of protection that is better than a standard cloud provider. In order to be used as a financial asset, a stock must have a stock market capitalization. If you are a beginner then you should go through the tutorial and then start the game with your first deposit. The eth acheter bitcoin en france price can be purchased for the long term using an index fund or a etf.\nAcheter crypto monnaie islam ou acheter du wax crypto\nBitfinedx is a bitcoin trading platform based in vancouver, canada. We offer jewelry for girls or girlfriend from many brands and they come from famous and popular jewelry stores such as: cartier, rolex, gucci, gucci bridal collection, tiffany, patek philippe, tiffany, gucci bridal collection, tiffany, cartier, rolex, gucci, gucci bridal collection, tiffany, patek philippe, tiffany, cartier, rolex, gucci, gucci bridal collection, tiffany, patek philippe, tiffany, cartier, rolex, gucci, gucci bridal collection, tiffany, patek philippe, tiffany, cartier, rolex, gucci, gucci bridal collection, tiffany, patek philippe, tiffany, cartier, rolex, gucci, gucci bridal collection, tiffany, patek philippe, tiffany, cartier, rolex, gucci, gucci bridal collection, tiffany, pate. If you have the right tools and know the right way to do things, this could be a great business idea for you. Binance exchange acheter crypto monnaie islam also allows you to buy bnb tokens (binance coin) for binance coin or binance bnb token. There has been a lot of talk in the cryptocurrency community about getting more people to adopt bitcoin. So it is important to note that the government is quite strict in regulating this area and has not made any official statements about this acheter bitcoin en france topic. It’s created to make it more difficult to use fiat currencies for these types of transactions. The question you asked in the title is not about \"if there is a limit\" (it does have one), but \"if bitcoin will be able to keep going forever\".\n|investir bitcoin sans frais||915||The second thing you should consider doing is purchasing bitcoin on coinbase.com.|\n|achat crypto cb binance||368||Bitcoin exchange rate, the next big money in finance.|\n|acheter crypto par paypal||484||Its market cap is around $1 billion, while its price has soared from $60 to $100 per coin.|\n|ou acheter crypto xec||838||The bitcoin debit card does not have any fees for using it, but the card is only used by people who are on bitcoin.|\n|acheter des crypto non listé||385||There are platforms that provide traders with different types of trading platforms.|\n|investir en bitcoin simulator||446||Create an online store and create a website that has all the pictures and videos that you can sell on it.|\nGagner des crypto avec trust wallet acheter des bitcoin sans verification\nBitcoin has been accepted by acheter bitcoin en france banks as well as payment systems, such as credit cards and paypal. We need to be able to use these coins and it’s important to know what we are buying and where. That 25,000,000 shares is 25,000 times the number of shares amazon has listed on the nyse. Money laundering is the process of hiding money in legitimate businesses or hiding money in legitimate money. The health insurance plan itself isn't deductible, it's the tax deduction for paying it. Simple investments – this is a method of investing that requires you to invest a set amount of money into the account of a specific user on the website. Bitcoin is the krypto fonds kaufen Calabar first peer-to-peer electronic money and was founded on a distributed network. As bitcoins are virtual gagner des crypto avec trust wallet money that is not backed by any one government or bank, the government has to regulate the way bitcoin is traded and how it is traded in any country. There are many bitcoin miner software for windows that are available for download and this bitcoin miner software is different from all bitcoin miner software and there are also a lot of bit.\nAchat crypto sur revolut acheter de la crypto via paypal\nFor those unfamiliar with bitcoin, here’s what it is. The mining can either be done in the browser with the mining software, or by using a bitcoin miner. There are numerous companies out there that provide mining equipment and services. The cryptocurrency is seeing unprecedented price appreciation over the past year, but that’s not necessarily acheter bitcoin en france the case across the industry as a whole. Buy and sell bitcoin from one of our over 800+ bitcoin merchants worldwide. The most important thing that a bitcoin exchange must do to become a profitable exchange is to increase the amount of bitcoin available on the exchange and to keep it in good condition. The most common way to verify this is through the “bitcoin address verification” on the bitcoin market website, or you can do it on your personal computer with the help of the free app “cashapp.com”. It is used as a base currency, so you don’t have to spend your money on achat crypto sur revolut it.\nAchat crypto monnaie luxembourg meilleur crypto a acheter 2022\nEthereum (eth) is a cryptocurrency that was introduced by an anonymous group of developers under the slogan \"satoshi nakamoto\". In australia, however, cryptocurrencies are still classified as a commodity rather than a security. It’s much easier and cheaper to install bitcoin mining software on a pc and use it as a laptop. This new ledger will be created by the transaction. They are generally repaid in 30 to 90 days but can take a much shorter period of time, up to 10 days, when the loan amount is larger than $1000. It acheter bitcoin en france appears to us that they have decided that they don’t need the interwebs for the information they’ve got available and the website is currently only accessible via a google search engine. Bitcoin exchange is a bitcoin-only exchange that allows you to exchange bitcoins for fiat currency. Most stock traders have to go to achat crypto monnaie luxembourg multiple stock broker for every single trade.\n|acheter crypto monnaie avec neosurf||679||We're not here for an easy money-making scheme, we're here to help you become more successful at trading.|\n|winkyverse coin||432||I had no idea how to get her into training until i read the puppy training book, then after getting her a few months, the breeder got her into her first training class.|\n|ou acheter bitcoin sans frais||290||Forex trading is a market in which currencies and financial assets are bought and sold, usually for more than one, but up to ten, times the value.|\n|acheter crypto monnaie binance||251||Use cash to purchase bitcoin for the best price and receive your coins in real time.|\n|acheter bitcoin frais||836||The cryptocurrency trading platform is based on the blockchain technology and offers the most secure trading platform.|\n|quoi acheter sur crypto.com||456||If you are purchasing in the second half of 2020, you’ll want to know how to buy and store your bitcoin and keep your coins in a wallet that will give you a secure record.|\nAcheter des bitcoin belgique crypto monnaie safemoon ou acheter\nYou can also buy bitcoin directly on their exchange by entering the bitcoin code on the kucoin exchange. However, in this country innovation is a risky business. Por ello, el propio bitcoin ha publicado este martes un documento para apoyar que la nómina digital siga adelante con el sistema digital, no se trasluyean con las dificultades económicas del bitcoin, ni se ponga en riesgo a los usuarios. Chidambaram, in april this year, expressed his interest in crypto and blockchain technology in an interview to cnbc. Bitcoins are the only currency in the bitcoin network. The transaction takes place and the app then shows you acheter bitcoin en france the result of your purchase. What do the charts say about cryptocurrency exchange rates? You have acheter des bitcoin belgique three options when you are buying a stock that is currently traded at a very low price. It’s also worth noting that many exchanges have been hacked, or at least their website has been. In this section we discuss the differences between forex robot work and what is forex robot work and why you should not be fooled into thinking that forex robot work will.\nOu acheter bitcoin pas cher acheter bitcoin anonyme\nBitcoin is created using a computer system, known as a \"block\" that is mined and stored in a digital ledger, and this system of mining and storing ledgers can be used to. Cryptocurrency has been one of the best-kept secrets of 2017. Stock market is heading into bear territory, and a acheter bitcoin en france number of key stocks are trading at their lows in recent days. This is something that many merchants do not wish to have to do. So many people are trying to get their coins from coinbase and some people also ou acheter bitcoin pas cher use coinbase wallet to send bitcoin and they are successful and getting their bitcoin. How can i improve my trading to have a successful strategy, and at the same time make money trading? Best stock broker in india for long term investment in india. C'est le seul type de clients avec lesquels on peut avoir de la bonne foi, de l'expertise et une grande santé. That was a big mistake, because bitcoin has no intrinsic value and i would lose all my bitcoin in a matter of months if i kept holding it in a market that has been inflated to a value greater than bitcoin’s value, and that it was. The most important thing is that icicidirect is a safe trading platform and offers you a variety of features and tools to help you trade your way. For that reason, you must prepare your balance sheet to the extent that it reflects all transactions made during the past day or week and not only the ones made during the last few hours.\nAcheter des crypto avec metamask acheter des crypto via paypal\nHowever, this reputation was seriously affected a few months ago, when it decided to stop processing crypto payment transactions. The u.s., in particular, has taken steps to make bitcoin an official legal tender. If you wish to contact the author acheter bitcoin en france please write an e-mail address. I will use the example of btc to explain the market structure. To buy and sell kucoin on this site you will have to enter your address. By using more exchanges and making the liquidity more difficult, it can also make it harder for users to make trades. This page is intended for information purposes only and does not necessarily reflect the views of the company that produces the products. Charles schwab is an insurance brokerage firm headquartered in san francisco, california. The acheter des crypto avec metamask bank is also known for their savings accounts, where the minimum deposit requirement. The best trading bot: the top 10 trading bots for beginners.\nAcheter des crypto par paypal acheter wallet crypto\nThe world of bitcoin trading companies is not acheter bitcoin en france just for the wealthy, as a new research study by a cryptocurrency-focused research agency demonstrates. A bittorrent client can connect to a bttx and exchange digital currency between two users. You can also trade on a daily, weekly and monthly time frame. In order to transfer funds from acheter des crypto par paypal direct investing accounts to tfsi accounts, there are a few ways to do so: Cât de mult au fost prezentate în documentație, au existat și documente anunțate în perioada 1989 - 1990, și anului 1991. This is especially useful if you have an existing account and you want to change or add to your trading account. Buy bitcoin voucher with paypal, itâs not easy but you should not be worried. The answers to these questions can be found in the cryptocurrency and investment industry.\nAcheter ethereum en france acheter des crypto sur boursorama\nIf both the public and acheter bitcoin en france private keys match, the transaction is accepted. In short, it is a great way to earn a great amount of money with little effort. A few days ago binance acheter ethereum en france announced it is buying cryptocurrency in bulk for the first time. In order to buy ethereum, the best option is to buy ethereum in a bank that allows you to purchase the currency in the local currency. The new machines will not be able to provide access to any fiat currencies and will require a minimum deposit of 10,000 dollars before they will be able to accept the coins. Crypto trading markets are a relatively new industry. You can get preapproved with a free appraisal from your county or state’s department of commerce. For mutual funds, the tax rate is the lower of the tax rates in the capital gains tax, dividends, or sales tax, whichever is higher. How to trade crypto with the best cryptocurrency forex robots.", "label": "Yes"}
+{"text": "African Development Bank Group Internship Program is now open for applications from interested and motivated candidates who wish to enhance their careers and improve capacity and development in the banking sector.\nThe primary objectives of the Internship Program at the African Development Bank Group are to deepen the Bank’s efforts to advance development within its regional member countries (RMC) through capacity building activities.\nApplicants are expected to meet the following conditions for African Development Bank Group Internship Program:\nJoin any of these WhatsApp Groups to receive more scholarships and other opportunitiesJoin our Telegram Community.\n- Applicants must hold a bachelor’s degree and is enrolled in a master’s degree program or its equivalent in a recognized public or private institution of higher learning; or is applying for the internship within one year of having obtained a master’s degree;\n- Aged 30 and below by 31 December 2024;\n- Can provide proof of enrolment in a university / professional institution/ school;\n- Is a citizen of a member country of the African Development Bank;\n- Ability to communicate effectively (written and oral) in English or French, with a working knowledge of the other language;\n- Female candidates are encouraged to apply.\nIn addition to the above selection criteria, preference will be given to candidates who demonstrate the following:\n- Adaptability to multicultural settings;\n- Good communication skills;\n- Working knowledge of a third language that is relevant to the Bank’s operations;\n- Experience on projects that have a direct bearing on the mission of the Bank.\nThe Bank aims to select candidates with professional degrees in the following disciplines:\n- Power, Energy, Climate and Green Growth;\n- Agriculture, Human and Social Development;\n- Private Sector, Infrastructure and Industrialization;\n- Economics, Statistics;\n- Governance and Knowledge Management;\n- Human Resources and Corporate Services: IT, Language Services, General Service & Procurement, HR Management;\n- Audit, Anti-corruption;\n- Communication & External Relations;\n- Public Relations;\n- Environmental and social assessment.\nObjectives of the Internship Program\nThe Bank’s Internship program aims to:\n- Provide students with the ability to work in an international environment;\n- Provide the Bank with a pool of potential candidates in the future; and\n- Enhance the visibility of the Bank and its development activities.\nHow to Apply\nInterested and eligible candidates seeking to participate in the African Development Bank Group Internship Program are expected to submit application online for this opportunity.\nParticipants in the program are selected on a competitive basis, reflecting the business needs of the Bank.", "label": "Yes"}
+{"text": "Stocks were mixed last week as investors weighed lawmakers’ approval of a long-awaited relief bill against ongoing virus concerns and new U.K. travel bans. Small cap and technology stocks were up, with both the Russell 2000 and Nasdaq indexes finishing the week higher. The U.S. has continued its vaccination effort, with over 1 million people receiving the first dose of the new vaccine. Markets closed early Thursday and were shuttered on Friday in observance of the Christmas holiday.\nNews of a new and apparently more transmissible coronavirus strain in the UK started the trading week off on a decidedly down note, with stock futures lower by over 3% on Monday morning. The market shrugged off its losses as trading began, however, with investors seemingly calmed by reassurances from U.S. health officials that the new strain did not appear more deadly and would likely be treatable by the vaccines. Signs that the latest wave of the pandemic might be peaking in much of the country, along with news that the U.S. government had contracted for another 100 million doses of the Pfizer-BioNTech vaccine, seemed to bolster sentiment as the week progressed. Distribution of the first doses of the Moderna vaccine also began on Monday.\nShares in Europe were roughly flat for the week ended Thursday, as hopes for a UK-European Union (EU) trade deal helped reverse sharp losses caused by the emergence of a new variant of the coronavirus. The UK and the EU did finally agree on a post-Brexit trade deal, with the announcement coming after UK markets closed. The accord still must be approved by all EU member states. The agreement’s terms would represent a significant change in the relationship with the UK’s major trading partner and, some say, amounts to a “hard” Brexit in all but name.\nThe Office for Budget Responsibility has forecast that Brexit will cost the UK 4% of its gross domestic product (GDP) over 15 years. The UK’s official statistics agency’s revised estimate of third-quarter GDP showed the economy shrinking 8.6% from year-ago levels—an improvement from the earlier estimate of a 9.7% contraction.\nChina’s benchmark stock index fell for the week ended Thursday as a flareup in Sino-U.S. tensions weighed on sentiment. The Shanghai Stock Exchange (SSE) Composite Index shed 1.0% over the four days ended Thursday, while the large-cap CSI 300 Index was nearly flat. The SSE Index recorded its biggest one-day percentage drop since September after the list was published, which marked the latest instance of U.S. actions targeting Chinese companies as President Trump prepares to leave office.\nJapanese stocks declined for the week through Thursday. The Nikkei 225 Stock Average fell 0.4% (95 points) and closed at 26,668.35. For the year-to-date period, the benchmark is ahead 12.7%. The large-cap TOPIX Index and the TOPIX Small Index, broader measures of Japanese stock market performance, also recorded modest losses. The yen was little changed versus the U.S. dollar and traded in a narrow range between JPY 103 and JPY 104 on Thursday.\nU.S. Government-Bond Yields rose on post-brexit trade deal hopes. The yield on the benchmark 10-year U.S. Treasury note was 0.96%, compared with 0.92% on Tuesday. More directly impacted by the trade news, yields on European government bonds also climbed, with the 10-year German bond yield rising to minus 0.541% from minus 0.589% and the 10-year U.K. yield jumping to 0.29% from 0.18%.\nIn the commodities market, oil volatility also increased this week. The tightening of oil supply was supporting prices, but renewed global growth concerns are overshadowing the demand side adding pressure on WTI and Brent Crude. Gold reached a high of $1,324.49 during the week before retreating to $1,292 towards the end of the week following the recovery of the US dollar.\nYour message (optional)\nLawsons Equity Limited is a company registered in Malta with company number C49564 and Licenced by the Malta Financial Services Authority as Enrolled Insurance Brokers under the Insurance Intermediaries Act 2006, and to provide Investment Services under the Investment Services Act, 1994. Lawsons Equity Ltd have passported their services across the EU. To see a full list of countries click here\nIn the United Kingdom, Lawsons Equity Limited is deemed authorised and regulated by the Financial Conduct Authority. Details of the Financial Services Contracts Regime, which allows EEA-based firms to operate in the UK for a limited period to carry on activities which are necessary for the performance of pre-existing contracts, are available on the Financial Conduct Authority’s website.\nCopyright 2020 Lawsons Equity Ltd | Designed by Echo\nDisclaimer: The information provided on this website is being provided solely for educational and informational purposes and should not be construed as investment advice, advice concerning investments or investment decisions, or tax or legal advice. Similarly, any views or options expressed on this website are not intended and should not be construed as being investment, tax or legal advice or recommendations. Investment advice should always be based on the circumstances of the person to whom it is directed, which circumstances have not been taken into consideration by the persons expressing the views or opinions appearing on this website. Lawsons Equity Limited has not verified and consequently neither warrants the accuracy nor the veracity of any information, views or opinions appearing on this website. You should always take professional investment advice in connection with, or independently research and verify, any information that you find or views or opinions which you read on our website and wish to rely upon, whether for the purpose of making an investment decision or otherwise. Lawsons Equity Limited does not accept liability for losses suffered by persons as a result of information, views of opinions appearing on this website. This website is owned and operated by Lawsons Equity Limited.", "label": "Yes"}
+{"text": "Did you know that over 20% of all pandemic funds ended up being wasted during the pandemic?\nWhile countries like the United States and the United Kingdom can afford such losses, Fiji is not in the same position. With record unemployment and job losses at the start of the pandemic, the entire country suffered financially.\nAt the centre of the corruption allegations and broken promises in Fiji was the pharmaceutical giant, Aspen Medical. Having received dozens of public service contracts when the country was in crisis, Aspen failed the people of Fiji.\nIf you’re looking for information about Aspen Medical and its failures in Fiji, you’re in the right place. Here’s a full breakdown of Aspen’s broken promises and corrupt public service contracts.\nWhat Are Public-Private Partnerships?\nPublic-Private Partnerships are contractual relationships between the public and private sectors. This generally deals with the procurement of products or services for the government. These agreements can range from simple procurement to large-scale deals worth billions of dollars.\nDue to the size and nature of these agreements, private companies will often go the extra mile in order to land one. These contracts are so lucrative that a private company may only need a few to be a billion-dollar private company.\nThese agreements are also rife with corruption. This is because many private companies go too far to try and secure these contracts without delivering them. This leaves taxpayers with the bill while also having to suffer from the lack of adequate public services.\nPublic Service Contracts\nWhen it comes to high-profile contracts, it doesn’t get bigger than government sector contracts. This is due to the size of the contracts available. While supply contracts for most businesses can be lucrative, public service contracts can be worth millions of dollars.\nThese public service contracts are the most fundamental way the public and private sectors work with each other. Designed and published by the government, these contracts allow private companies to apply. This makes these partnerships and contracts important as public trust is at stake.\nThese contracts can range from construction to management services. This is what led to Aspen Medical winning contracts to both extend and manage hospitals.\nPandemic Service Contracts\nThe COVID-19 pandemic put a massive financial strain on the world economy. Developing countries around the world suffered from the financial fallout of the pandemic.\nDespite this, governments around the world increased their spending on healthcare. The immediate needs were to buy protective equipment. This included gloves, masks, face shields, and gowns.\nThese were emergency contracts released due to the pandemic. This means that due process was not completely followed, leading to widespread irregularities. This resulted in a few powerful companies managing to win contracts worth millions of dollars overnight.\nWhat Is the FNPF?\nThe FNPF is the Fiji National Provident Fund. This is an alternative investment vehicle for the public sector to invest in the country. The National Provident Fund groups the retirement savings of the country and invests it on their behalf.\nThe Fiji National Provident Fund is one of the largest pension funds in Fiji, with investments in property and private companies throughout the country. This includes a number of premium hotels such as the Intercontinental Fiji Golf Resort and the Grand Pacific Hotel.\nWhile many may be impressed by the portfolio of investments made by the FNPF, many also question the relationship they have with Aspen Medical. Despite the size of the investment, the FNPF does not list the relationship on its website at all.\nWhat Partnership Did the FNPF Have with Aspen?\nThe FNPF relationship with Aspen Medical PTY was brought to light in ABC’s investigative documentary, Four Corners. This ‘Aspen Exposed’ show showcased the relationship and described how the two entities formed a new subsidiary, Health Care Fiji Ltd.\nThis new company was designed to take over the management and operations of two major hospitals in Fiji. While this kind of public-private relationship is not uncommon, the partnership makes it much easier for Aspen to get a hand on those lucrative government contracts.\nWithout the partnership with the National Provident Fund, Aspen would have to apply for the contract just like any other private healthcare company. This partnership makes it much easier for the pharmaceutical giant to walk into massive paydays at the expense of the people of Fiji.\nIn terms of money, millions of dollars have been poured into the new subsidiary. Professor Prasad from the NFP claimed that around $10,1 million was paid in three instalments. He also clarifies that almost half a million dollars were then borrowed by Aspen Medical from the Provident Fund.\nThe NFP has clarified its stance on the issue and wants to know where the money has gone. This $10,1 million simply must be accounted for.\nWhat Promises Did Aspen Medical Make to the People of Fiji?\nThrough this new company, Heath Care Fiji Limited was set to take over two major hospitals in Fiji. This includes both the expansion plans and management of the entire facility. This partnership was done quickly and quietly, making it even more suspicious to journalists and political commentators watching.\nWhen this deal first came to light, the Fijian Government had to step into the spotlight. They did this to clarify that Aspen won a fair tender process to allow them to partner with the NPF. This may have been the official story, but nobody seemed to buy it.\nThis deal did come with significant plans to upgrade hospitals and introduce new medical technologies as well. This is why the deal was part of Aspen’s marketing strategy. This deal gave them the opportunity to invest in Fiji and train more Fijians in the area.\nThe Lautoka Hospital was at the centre of the deal between Aspen Medical and the National Provident Fund. Health Care Fiji was set to manage and expand the hospital. Aspen spent quite a bit of money advertising all the plans they had for the hospital as well.\nBa Hospital Management\nThe new Ba Hospital was one of the major new investments into public health in Fiji. The new subsidiary was to manage the Ba Hospital on behalf of the government. There were also plans to expand the hospital and create new jobs for the economy but has been stagnant at best.\nWith only 150 employees currently employed there, Aspen Medical has announced that it plans to hire 100 more staffers by the end of the year. This may be a welcomed announcement but is far off the initial estimate they taunted before.\nAspen Medical Failures\nAspen Medical has a long list of medical wrongdoings following them around. These claims only intensified during the pandemic. This is because more people became aware of the activities and corrupt culture within the organisation.\nFrom broken promises to straight-up lies, Aspen has taken money from the Fijian people. This happened without fear of punishment, setting a dangerous precedent for the future. The medical company promised more jobs and modern medical training facilities. However, the people of Fiji are still waiting for answers.\nAspen Medical’s Publicity Campaign\nAspen Medical is a huge pharmaceutical company. Despite their size, the company has been under much scrutiny over the last few years. From dodgy deals with governments around the world to their work with healthcare services in prisons, Aspen has done a great job to hide it all.\nAspen Medical has a perfectly curated wiki page that reads more like an advert than a bio. This messaging is evident on all its social media platforms, making it a clear marketing strategy. This contrasts Aspen’s initial promises to the people of Fiji of better service.\nThis publicity campaign may have worked to appease shareholders, but has not silenced the people. Journalists and political commentators continue to press Aspen daily. Aspen has also featured in many exposing documentaries in the past few years, with the largest being by ABC.\nHold Aspen Medical Accountable\nAspen Medical should be held accountable for its failures. The corruption and incompetency should make it impossible for them to enjoy public sector contracts in the future.\nIf you want more information about Aspen Medical and its failures in Fiji, feel free to browse some of the other articles on our website. If you have any information about Aspen Medical that you would like to share with us, feel free to contact us at email@example.com. Alternatively, feel free to visit our website.\nTogether, we can work to hold Aspen Medical accountable for its failures and broken promises.", "label": "Yes"}
+{"text": "Terms and conditions of use\nWe shall also have the right to require full payment in advance or a deposit at the time of booking in certain circumstances or if the Booking includes the supply of certain items or services. No Booking shall be treated as confirmed until the details and/or payment/deposit described in this paragraph have been provided.\nThe prices displayed on the Websites are an average per night per person until a rate is selected. Any meals, service or VAT (at the prevailing rate) are included only if specified. A minimum length of stay, deposit, cancellation charge and other conditions may apply to certain rates, as specified.\nPrice lists for additional items, such as restaurant meals and room service, are on display at relevant locations within the Hotel and are available on request.", "label": "Yes"}
+{"text": "There are many reasons for your employees to participate in an employee stock purchase plan (ESPP) —from the potential tax benefits to the valuable savings opportunities. Yet, the percentage of employees participating in their company's ESPP remains low. Drawing on a recent study by Computershare and Aon that looked at ESPP participant behavior in the marketplace for 115 different companies in 186 different domiciles, overall ESPP participation across all domiciles is only 11.32%.\nLow participation in a plan can stem from several factors, including ease of enrollment, lack of knowledge about the plan and an overall understanding of it. Regardless of cause, the primary goal in offering an ESPP should be strong participation in it.\nBy converting employees to plan participants, your company is promoting broad-based employee ownership. This will result in numerous benefits for both your company and your employees, including more satisfied and engaged employees.\nBest Practices for Boosting Participation\nThe first step in increased participation is simply reaching your employees and getting them enrolled in the plan. Here are best practices for increasing participation in an ESPP that have been successfully used by our clients:\nEmbrace online enrollment\nOnline enrollment not only improves efficiencies and eliminates unnecessary paperwork; it is guaranteed to maximize participation. A major perk when choosing to use online enrollment is that your system is linked to your administrators. When your participants enroll or submit their re-enrollment information, the data is now housed in your administrators system. Plan participant enrollment numbers become available at an instant and the collection of data and information becomes so much easier. Our clients who are using online enrollment saw participation in their plans increase by 4% in just 11 months last year.", "label": "Yes"}
+{"text": "To receive email alerts about BMO Harris Bank in your inbox, please fill out the form below and subscribe to the categories that interest you. You will receive an email asking you to confirm your subscription. Please add BMOnews@es20.marketwire.com to your safe sender list.\nPlease note: your email address will be used only for this mailing list. You may unsubscribe from email alerts at any time.", "label": "Yes"}
+{"text": "Close to $20,000 in cash is stolen in a broad daylight grab and dash robbery at a local store downtown.\nIt happened at 5pm on Monday at the Zorba shop in the 1200 block of Hidalgo Street. According to investigators, an employee was preparing cash for deposit at the front counter of the store when an unknown man came in, grabbed the cash and ran out.\nAnother employee chased him on foot, and the suspect dropped one of the envelopes holding $7,000 in cash.\nNo arrests have been made in this case.\nThe suspect was reportedly wearing a blue and white striped shirt.\nIf you have any information, you are asked to call police at 795-2800.", "label": "Yes"}
+{"text": "This is it\nTonight’s the night, folks: The City Council is slated to decide tonight whether to give $2 million of Alameda’s $3.4 million share of Measure WW regional park bond money toward the Boys & Girls Club of Alameda’s planned West End facility.\nThe council had been waiting for a letter from the East Bay Regional Park District’s bond counsel saying the money can be used to help build the club’s facility. But that’s not coming until early next year.\nCouncilwoman Marie Gilmore asked her fellow dais-mates to make a decision anyway, saying that East Bay Parks staff have indicated the money can be used for the club. But Interim City Manager Ann Marie Gallant stopped short of recommending the funds be committed, writing in a staff report that the council should “(h)ear testimony from EBRPD representatives and take appropriate action, contingent upon receipt of bond counsel opinion as previously directed.”\nPark district representatives have confirmed that they will be at tonight’s meeting, the staff report says.\nGallant had previously recommended that the council change its previously approved project list to include a request for $2 million for the club, with $1 million to be paid back over the next five years.\nClub representatives had asked for the money because they’ve had a tough time raising the remaining $2 million they need for the $8 million facility they hope to build next to the Woodstock Child Development Center, and they fear they could lose some of the grant money they’ve secured if they don’t start construction before the end of the year.\nSome proponents, including members of the council, have said they think the request presents an opportunity for the city to gain public access a recreational facility the city couldn’t afford to build or maintain on its own. But park and open space advocates have fought the request, saying the city has enough of its own park and open space needs and little money to meet them.", "label": "Yes"}
+{"text": "Being an entrepreneur is the most challenging role in business.\nBeing an entrepreneur can be a lonely place. That’s where we come in. We’ve got a strong track record in standing shoulder to shoulder with entrepreneurs, helping them to overcome the challenges they face. You’ll have the freedom you need to accomplish your vision, but benefit from access to our extensive network, resources and support.\nWe help you build a strong and sustainable platform for growth.\nIt takes more than money to grow a successful business. When an entrepreneur comes to us with an idea, we know what they’re going through. We provide early-stage businesses with what they need to scale.\nWe make cultural fit a priority and get to know management teams before we invest in their plans. We think long term, and understand that plans change and challenges arise.\nDiversity in our team benefits our portfolio. That’s why when building our team, we recruited investment bankers, accountants, entrepreneurs, analysts, marketers, sales directors and more.\nWe get that a successful business isn’t built overnight.\nThe companies we back have exceptional management teams, a well thought out business model, and can point to early momentum in a large or growing market.\nIf things don’t go to plan, we’ll help you find a way forward.\nWe look for ways to share knowledge from our wider portfolio, via complementary skills or common goals.\nNobody knows your company like you do. We’re here to give you the advice you need, when you need it.", "label": "Yes"}
+{"text": "“The question was 20-21 states deciding to opt for the first option (the RBI window) and others wanting the Centre to borrow. Lots of discussion happened on that ... Bihar Deputy Chief Minister Sushil Modi suggested that 3-4-5 days be given to the states to discuss the issue. I gave eight days and the next meeting will happen on October 12,” Union Finance Minister Nirmala Sitharaman\nsaid after the meeting.\nShe said no state, irrespective of its choice, would be denied compensation.\nIn her answer to a question, she said she was not violating any provision of the compensation law. As to why she mentioned the number of states opting for one of the offers given by the Centre, she said, “20-21 states opted for it (RBI window) and we have put it on record. I can’t be told you should not mention it because it gives the feeling that the majority is deciding the issue. Even that will be unfair to the states which have opted.”\nIt is not that the Centre is sitting on the money and not giving it to the states, but the money has to be borrowed, she said.\nMeanwhile, Kerala Finance Minister Thomas Isaac tweeted: “10 states demand(ed) that full compensation should be paid to the states during the current year as per clauses in the law and centre should borrow. Decision was postponed to the next meeting on 12th of October.”\nMeanwhile, the Centre will distribute Rs 20,000 crore collected through compensation cess so far this year to the states tonight, Sitharaman said.\nSitharaman said borrowing for GST\ncompensation would have no bearing on the money that states raise, keeping themselves with the bounds of 5 per cent of state gross domestic product. Also it will not be reckoned as debt from the point of view of the Finance Commission’s recommendations.\nThe council decided to extend paying the states compensation cess beyond June 2022 but the period of the extension is yet to be decided.\nSitharaman said the cess to be collected after June 2022 would be first used for paying interest on borrowing. The remaining part will be divided into two, with half of it for paying back the principal of Rs 1.10 trillion, which is the compensation gap arising out of the GST\nsystem, and the other half for paying the shortfall owing to Covid-related issues.\nShe said no state would pay from its own pocket.\nThe Centre had given two options to the states for compensating them for the shortfall in compensation cess – Rs 97,000 crore (now Rs 1.1 trillion) to be facilitated by the RBI and Rs 2.35 trillion of market borrowing.\nThe council decided to give Rs 25,000 crore of integrated GST\nto the states that received less than what they required in previous years. IGST\nof Rs 1.60 trillion was unallocated. Of that Rs 80,000 crore was distributed to states. But since there was no formula of allocating the fund, some states got more than their share and others received less. Those who got more will not have to return the money immediately.\nThe council also decided to give relief to companies whose turnover is less than Rs 5 crore. They will have to file quarterly returns from January against monthly returns now. Also, refunds will be given to only those whose bank accounts are validated by Aadhaar and the permanent account number.\nThe council also decided to exempt from GST the Indian Space Research Organisation for launching satellites.", "label": "Yes"}
+{"text": "There is now a general crisis in Europe without a visible or credible way out. It is clearly evidenced by the continuous flare-up of hotspots of tension: from Greece to the Iberian Peninsula and back, and then onto increasingly less veiled allusions to Italy and a dramatic about-face of Paris.\nUntil just over a month ago, Sarkozy was convinced that he could delay, till 2012-13, the reduction of the French deficit to the levels required by the Maastricht and Dublin parameters. Now he speaks of a rapid return to the Maastricht-Dublin levels in the short term. A specter of a new collapse haunts France facing Germany, the specter generated by the fear that the “markets,” i.e. banks, might speculate on budget cuts that Berlin and Bonn, the Bundesbank and the ECB, would order the euro zone countries to enact.\nParis fears that the increasing public deficit will make the risk premium on French Treasury securities higher than that on German ones. In addition to the usual financial instability, such an event would undermine the position of the French ruling class in Europe, which has been crucial for its control — increasingly ironclad from Jospin to date — over France. The prospect, already on the horizon, therefore is to cut the budget, which will not eliminate the deficit, even if it’s cut at the risk of aggravating the social crisis, but which will certainly reduce public services and jobs.\nThe French and German reactions to the Greek and Iberian situation once again highlight not only the role of financial “markets” (which, far from having been pacified, speculate on the Maastricht-Dublin criteria imposed by Germany) but also the absolute unsustainability of such pacts and of the European Monetary System.\nThe Greek story gave rise to an important debate in the Financial Times on the institutional aspect of this monetary system, a debate which, I think, has not been echoed in Italy. The debate was started on the 16th of February by none other than Otmar Issing, former Member of the Executive Board of the European Central Bank, who, as an economist, was the chief architect of the operational rules of the European Monetary Union (EMU) which gave birth to the euro.\nIssing writes that a rescue of Greece is impossible due to legal and regulatory reasons, as it would destroy the axis that holds together the monetary union. The said axis is the rule that the euro zone member states are themselves legally responsible for dealing with their respective fiscal problems “of their own countries.” For Issing, to help Greece would entail an unprecedented moral hazard of credibility for political reasons.\nLet’s read it together: “By its construction, Emu is a ‘no transfers’ community of sovereign states. Transferring taxpayers’ money from countries that obeyed the rules to those that violated them would create hostility towards Brussels and between euro area countries.” In the introduction to his piece, Issing recognizes the inconsistency of the European Monetary Union: “In the 1990s, many economists — I was among them — warned that starting monetary union without having established a political union was putting the cart before the horse. Now the question is whether monetary union can survive without such a political union.”\nIssing is correct, except that, after underlining the institutional illogic underpinning the euro, he goes on to assert that the system can be maintained if you obey the rules, thus refusing to help Greece. The weakness of his conclusion has been seized upon by Padoa-Schioppa, who, with an air of innocence, proposes in the 19 February issue of the Financial Times that Europe therefore proceed to political unification, knowing full well that that is an anathema for France as well as for Germany.\nIt fell to the financier George Soros to cut to the chase instead. In an article published on the 22nd of February, he observes that the mode of European integration is patently flawed: no monetary system can function without the combined action of the Central Bank and the Treasury. And that is precisely what Europe lacks, frozen as it is in its current form. The flaw in the European system, says Soros, was demonstrated during the outbreak of the crisis in 2008, when each country had to rescue its own banks by altering the relative fiscal position in a highly unequal and asymmetrical context.\nThe financier highlights two important elements. The first is the case of Greece, where the drastic cuts are to produce a fall in demand and thus in income, consequently reducing the tax revenue, without however solving the problem. The second concerns Europe. Article 125 of the Treaty of Lisbon provides for coordinated aids, but there is no legislation governing them. Given Germany’s opposition to “dipping into its own pocket” to help other European countries, Article 125 is destined to remain a dead letter.\nThe situation is aggravated by the activity of the markets for credit default swaps (CDS), risk insurance certificates, and hence speculation on the debt. The CDS speculate on failure, that is, default. The longer Greece is left alone, the more the speculators win — until the explosion happens.\nNeo-mercantilism, the subterranean reason for the inconsistency of the euro, is glaringly omitted in the aforementioned analyses. Germany is the heart of that neo-mercantilism. However, ragged micro-enterprises of Emilia and of northeast Italy, as well as French state-owned enterprises, also aspire to the same model. Both aspirations are bankrupt: France rarely realizes external surplus; and Italy doesn’t even constitute a system, based as it is on dependence on exports to Germany and/or consumerist bubbles that inflate and deflate here and there in the world. The euro, divorced from fiscal policy, does not contribute to stability; rather it only serves to safeguard oligopolistic competition within Europe through wage deflation. The crisis is reshaping the neo-mercantilist relations, on which major interests concentrate.", "label": "Yes"}
+{"text": "CHENNAI: India’s third largest telecom service provider, Vodafone Idea Ltd IL), is struggling with a liquidity problem of such magnitude that it is inches away from bankruptcy.\nThe fallout from such a collapse would be widespread, which will be felt by the company’s subscribers, employees, lenders, and the telecom sector as well.\nWithout VIL, India’s telecom market, which once boasted of over a dozen operators, would be reduced to an effective duopoly.\nBut the biggest loser if VIL goes bust will be the government.\nBecause not only will it have to deal with fixing a wounded sector and assuaging the battered confidence of foreign investors, it will also bear the brunt of the financial losses arising from such a collapse.\nVIL’s slide into crisis\nThe genesis of VIL’s current troubles may be placed quite squarely on the outcome of the over 14-year-long adjusted gross revenue (AGR) case at the Supreme Court.\nThe matter revolved around the definition of AGR, based on which telcos pay their statutory dues to the government. The telcos argued that AGR should not include non-telecom revenue; the Department of Telecommunications (DoT) disagreed.\nEventually, in October 2019, the SC delivered a verdict favouring the government and directed telcos to pay up their pending AGR dues along with interest and penalties.\nAccording to the DoT’s computations, this figure came out to a whopping Rs 1.52 lakh crore, and the largest burdens fell on Vodafone Idea (Rs 58,000 crore) and Bharti Airtel (Rs 43,000 crore). Reliance Jio, a late entrant, got away with a liability of just Rs 191 crore.\nAfter a series of appeals and petitions, telcos managed to get an extended 10-year payment schedule comprising annual instalments from the courts, but the SC has not budged on the amount that is due.\nNow, the AGR verdict left both Airtel and VIL in financial trouble, but Airtel’s liquidity position was not as strained as the latter’s and it managed to raise enough capital through 2020 to offset the dent its AGR obligations delivered.\nThings haven’t been the same for VIL. While its board has approved raising Rs 25,000 crore of capital, it has met with little success so far, and both its promoters-the Aditya Birla Group and British telecom giant Vodafone Plc-have ruled out additional capital infusions.\nIn fact, Vodafone Plc disclosed in December 2019 that it has written down the value of VIL on its books to nil.\nVIL’s current status, after taking large losses due to provisions for the AGR liabilities and a steadily shrinking subscriber base, is that as of March 31 this year, it had a massive debt of Rs 1.8 lakh crore-with around Rs 23,000 crore in various payments coming due between December 2021 and April 2022. On the opposite column, it had cash and cash equivalents of just over Rs 350 crore.\nWith little success in its fundraising attempts, analysts note that VIL just doesn’t have enough cash to pay up when the time comes. And a series of developments over the past few weeks have only cemented this view.\nThe Supreme Court has rejected a petition to correct alleged “arithmetic errors” in the Department of Telecommunications’ (DoT) computation of AGR dues-a petition that, if entertained, could have halved VIL’s AGR liabilities; a letter to the Cabinet Secretary written by Aditya Birla group chairman Kumar Mangalam Birla, VIL’s Indian promoters, has come to light, where he has offered their stake to the Government of India (GoI) in order to keep the company running for its 27 crore subscribers; and then, just a few days later, Birla went on to step down as non-executive chairman of VIL, throwing the company’s stock into high volatility territory.\nBroad spectrum damage\nVIL is still India’s third largest telecom operator (it was once the largest) and the impact of its collapse would have far reaching effects.\nIf VIL defaults on future payments and is taken to bankruptcy court, the first hit will be taken by the company’s lenders such as banks and financial institutions which are owed around Rs 23,000 crore in total.\nAccording to a report by Nomura, eight banks have large exposures to VIL, led by SBI, which is owed Rs 11,000 crore.\nBut, in terms of its total loan book, this comprises just 0.43%. Some large lenders include Yes Bank (Rs 4,000 crore, 2.4% of book), IDFC First (Rs 3,240 crore, 2.9% of book), and IndusInd Bank (Rs 3,500 crore, 1.65% of book). Other lenders have smaller exposures comprising less than half a per cent of their loan books.\nThe problem when telecom companies go to bankruptcy court, as noted by an industry insider who spoke to TNIE requesting anonymity, is that there isn’t much in terms of assets that can be sold or monetised except for their valuable spectrum licences.\n“But the NCLAT has now ruled in the RCom case that these licences can’t be part of any resolution plan unless the statutory dues on them are paid to the government. If not, these licenses revert to the government. So, the lenders will have to take a huge haircut,” the executive noted.\nBut still, according to Nomura, a VIL default would be a “minor hiccup” for banks. Not so for other stakeholders in the saga. Take the subscribers and the telecom market, for instance.\nWithout a third private player in contention, it would turn into an effective duopoly, with Airtel and Reliance Jio the only options, other than the public sector BSNL-MTNL combine.\nAnd while, like during the collapse of RCom, other telcos can absorb Vodafone Idea’s users over time, it will require money.\n“The companies that are looking to absorb these users will have to spend more on infrastructure, and it will be done,” said an executive with a telecom infrastructure firm.\nWhile VIL does not disclose employee data, industry sources say there are around 10,000 direct employees and several thousands more employed in the distribution system, with vendors, and in different points on the value chain, and all of them would all be impacted.\nVodafone Idea Ltd, Vodafone Plc, Aditya Birla group, and the DoT did not offer any comments.\nGoI may be biggest loser\nBut even this may pale in comparison to what the government stands to lose. Because out of VIL’s total debt of Rs 1.8 lakh crore, it owes the government Rs 96,270 crore in deferred spectrum obligations and Rs 60,960 crore of AGR obligations-86% of VIL’s total liabilities.\nIf VIL goes bust, the government stands to lose much of this.\n“It could receive the spectrum licences in the NCLT if no AGR is paid and it can auction them out again, but even the recent auction could sell only a fraction of the spectrum on offer. So, it will be tough to find bidders or get much value,” said the industry executive.\nAccording to experts, it is almost inevitable that both the government and the lenders will take huge haircuts if VIL is put through an insolvency resolution process.\nTime for a white knight\nAs things stand, the consensus among both industry insiders and analysts is that the company urgently needs a rescue in order to prevent widespread damage.\nWith a bankruptcy and resolution process looking quite unattractive to most stakeholders, there’s been pressure on the government to extend relief.\nLast week, sources said that officials from the Prime Minister’s Office and the DoT discussed a possible relief package for the sector that may include relaxations on future AGR payments and other statutory dues.\nHowever, even if a relief package is delivered soon as is widely expected, there is a strong body of opinion that the GoI should act on KM Birla’s offer and nationalise the company.\n“KM Birla’s offer to give up his stake to give a potential lease of life to Vi and its customers should be welcomed and all options explored,” says V K Vijayakumar, Chief Investment Strategist at Geojit Financial Services, in a research note this week.\nWhile government sources have pointed to the difficulty of taking such a measure, especially considering the government’s own financial situation, analysts say that if it does not act to keep VIL afloat, it stands to lose a lot more in prospective revenue.\nDeutsche Bank went into more detail on how the government could effect such a measure.\n“The only viable solution is for the government to recapitalise Vi by converting its debt into equity, preferably while merging it with BSNL, and then providing it a clear commercial mandate based on profitability targets and incentives,” it noted.\nHeavy debt burden.\nRs 1.803 lakh crore Total debt.\nRs 96,270 crore Deferred spectrum payments.\nRs 60,960 crore AGR dues liabilities.\nRs 23,040 crore Owed to banks/NBFCs.", "label": "Yes"}
+{"text": "Posted by Leger ● May 16, 2023 9:32:44 AM\nAre U.S. consumers optimistic or pessimistic about the future? Do they think the U.S. economy will improve or decline over the next 6 months? And how are concerns about the U.S. financial condition impacting their mental health? This final edition of Leger’s North American Tracker has the answers.\nSentiment is a primary driver when it comes to U.S. consumers’ behavior. Leger’s North American Tracker provides a pulse check on U.S. consumers’ perspectives on their lives, health, finances, and current events. As May is World Mental Health month, we focused on exploring consumers’ perspectives on the U.S. economy and how the economic situation is impacting their mental health.\nWhat do this month’s findings reveal? From a research perspective, Ervin Murga, Research Director, noted,\n“While American consumers are fairly optimistic about their lives and their health (physical and mental), financial problems continue to be a top priority for consumers. For the past few weeks, we’ve been hearing stories about banks failing and shutting down. So far, Silicon Valley Bank, First Republic Bank, and Signature Bank have been affected by the banking crisis, but how is this affecting consumers? We look at that data and how consumers feel about their lives, and more importantly, their savings and investments.”\nAbout the Study\nLeger’s North American Tracker is a monthly quantitative survey of 1,000+ U.S. (and Canadian) consumers aged 18 or over. Our team of market researchers evaluates and analyzes the data from the North American Tracker to reveal the most current consumer sentiments and behaviors.\nConsumer Sentiment: Optimism Persists\nConsumers continue to be optimistic about their lives overall, primarily driven by positive sentiments about their health and less so by their finances. With the World Economic forum recently reporting that “the U.S. economy could get worse before it gets better,” relatively lower levels of financial optimism may continue.\n- 63% of American consumers are optimistic about their current life overall.\n- Current mental health optimism is high (67%) as is physical health optimism (63%).\n- On the other hand, financial optimism is lower (52%).\n- Unsurprisingly, finance-related items top the list of U.S. consumers’ 3 biggest concerns: inflation, the U.S. economy, and rising gas prices (71%, 65%, and 33%, respectively).\nThe U.S. Economy: Impacting Mental Health to Some Extent\nThis month, we explored the relationship between U.S. consumers’ financial situations and their mental health. Though many consumers are feeling stress related to the U.S. economy, for now, it is not having a large impact on their well-being.\n- Three out of five consumers (61%) describe the economic condition of the United States as poor or very poor.\n- The vast majority of Americans feel the economy is going to decline (39%) or stay the same (29%) in the next 6 months.\n- Even with the serious financial problems facing the nation, one-half of consumers (52%) feel that their financial situation does not have a negative impact on their mental health. 39% feel it does, while 9% are unsure.\nWorries About Savings: More Pronounced among Families with Children\nAlthough economic pressures have eased to some extent, high inflation and interest rates continue to impact U.S. consumers. Our survey revealed that worries over the U.S. economy are sparking concerns over consumers’ savings, and this sentiment is more pronounced among families with children in the household.\n- Just over one-half (56%) of consumers are worried about the safety of their savings, while just under one-half (46%) are worried about the value of their investments.\n- While a large chunk of Americans are concerned about their savings and investments, the banking crisis hasn’t discouraged consumers from keeping their money in bank accounts. Only one-quarter have considered taking all of their money out of their checking or savings accounts.\n- U.S. consumers with children in their household are more likely to be worried about the safety of their savings (66%) and their investments (60%). Moreover, they are more likely to say they have considered taking all of their money out of their checking or savings accounts (35%).\nInterested in Designing Your Own Consumer Sentiment Study?\nConsumer sentiment can change on a dime, which is why keeping up with your target consumers’ perceptions and priorities is key for building your strategy. We can help! Our team of market research experts can help you stay connected to trends in your category, maintain awareness of your target consumers, and understand how sentiment is shifting over time.\nTopics: Consumer Sentiment", "label": "Yes"}
+{"text": "JACKSON, Miss. (AP) — Mississippi lawmakers could send some coronavirus relief money to hospitals, veterans’ centers, farmers and landlords.\nMembers of the House and Senate returned to the state Capitol on Thursday.\nThey were working to reallocate some federal money.\nLike many other states, Mississippi received more than $1 billion from Congress to respond to the pandemic.\nMississippi lawmakers initially put $300 million into a program to aid small businesses.\nOfficials have said the state received fewer requests than expected for the business aid.\nSome business owners have said the state has been slow in responding to their applications.", "label": "Yes"}
+{"text": "Ways to get Loans Without A Banking Account Within The Philippines\nMost people assume that loans online without a bank account are not possible today. Nonetheless, they just do not realize that it may be performed easily with simple cash loans online. In addition it’s much easier as compared to process that is average of a loan. All you have to do is pick a company that is financial you trust and submit an application for a money loan.\nThe mortgage calculator on our web site will help you to determine the amount of the future loan and find out of the payment for making use of the mortgage. Before using that loan, we give you advice to examine the conditions. Then there is a special service in order to do it if you want to check the credit history.\nFeatures of Loans On Line Without A Charge Card\nMore money may be required for just about any purposes. It may be a therapy, training, monetary issues re re solving, or a crucial purchase because well, that you don’t are able to afford in the provided time.", "label": "Yes"}
+{"text": "Peoples Bank Nonperforming loans Rs. 54 billion in 2021\nCOPE chairman Prof. Charitha Herath making a recommendation to the Chairman of People’s Bank Sujeewa Rajapakse, called for the submission of a comprehensive report within a month with details of companies in the private sector which were granted loans worth Rs.54 billion, which are currently in the non-performing status.\nThe COPE Chairman wanted the report to specify how the loans were evaluated and the persons involved in granting such approvals. The COPE chairman stated that that the information will also be published in the forthcoming COPE report.\nThe aforesaid recommendations were made by the COPE chair during the summoning of the People’s Bank before the Committee on Public Enterprises (COPE) to examine the Auditor General’s reports for the financial years 2018 and 2019 and its current performance.\nThe COPE Members also pointed out that in the future when loans are given, it should be done in a more systematic manner with a sense of responsibility when handling national wealth.\n(Source: Daily Mirror)", "label": "Yes"}
+{"text": "One of the things that people buying homes may worry about is if their home will keep its value. Here are a couple of helpful tips on the subject.\nYou need to stay moderate when you are dealing with real estate purchases. Do not be too extreme with your offers. Many people get too aggressive so that they can get a great deal, and they end up overdoing it and losing it. Be firm in what you want, however, let your Realtor and lawyer go at the negotiations since they are used to fighting those battles.\nWhen you are planning to purchase a large and costly commercial property, look for a reliable investment partner. It will make it easier to qualify for the loan that you need to buy the property. A business partner could be useful for both a contribution to the down payment, plus additional help in getting a commercial loan approved.\nYou may find that the sellers may work with you in order to ensure that you are able to buy the house, even if either of you needs to make some sacrifices. Such possibilities include offering to cover your closing costs or even do some upgrades and repairs to the property prior to your taking up residence.\nWhen in the market to purchase a new home, always consider your long-term situation. Even if you don’t currently have any children, if you are planning on living in the home for an extended period of time and the possibility of starting a family during those years cannot be ruled out, you should consider researching schools in the neighborhood to see if they will be satisfactory should you have any children down the road.\nSee if your real estate agent has a checklist. Many Realtors will have a checklist that will cover every aspect of buying a home; from finding the right house that is in your budget to finalizing the mortgage. This checklist will help make sure that everything that needs to be taken care of is accomplished in time for settlement.\nPut extra money aside before buying a house in case there are any closing costs you didn’t consider when making the deal. The closing costs can usually be calculated by adding the real estate taxes, points and down payment together. However, additional expenses are frequently added to the closing costs, including improvement bonds, school taxes, and other location-specific items.\nWrite down all the important questions that you need to ask potential real estate agents. Ask them not only the number of homes they have sold in the past year, but also, how many were the type of home you are looking to buy. The agent should be prepared to answer all of these questions in a professional manner.\nBefore choosing a neighborhood to settle down in, check the national data base for sex offenders living in that area. Information about sex offenders is required to be made available to the public, but you are unlikely to hear about any near the house from the seller or real estate agent. Give yourself some peace of mind by checking for yourself.\nBefore you purchase a home, have an inspector come take a look. If the house you’re looking at requires serious renovation work, you need to know it before buying it. Not only can this cost you a lot of money, it could force you to make other living arrangements until the home is fixed.\nIt is best to purchase a house that only has a fireplace in the family room unless you reside in a climate that makes it necessary to have more. It is a complete hassle to have to clean your fireplace when you do not often use them.\nMost home buyers don’t realize that buying a house is so complicated. Lean on this advice when you need to purchase property.", "label": "Yes"}
+{"text": "Until relatively recently, building blockchain applications has required a complex background in coding, cryptography, mathematics as well as significant resources. But times have changed. Previously unimagined applications, from electronic voting & digitally recorded property assets to regulatory compliance & trading are now actively being developed and deployed faster than ever before. By providing developers with the tools to build decentralized applications, Ethereum is making all of this possible.\nAs you already know, Cryptogold is under a new management. Today I would like to take the opportunity to introduce myself. My name is Alpay Gulden, CEO of Cryptogold since last year. Me and my team are still cleaning up the illegal accounts. This will continue to affect payouts and ticket processing. As soon as we are up to date on payouts and open tickets, we will begin to introduce our new products. You can look forward to something big!\nKan ik crypto terugtrekken uit Robinhood\nCryptocurrencies are experiencing a moment of unprecedented attention and speculation for several reasons. 1) The value of Bitcoin has been steadily climbing through 2017, with Ether seemingly poised to overtake the cryptocurrency giant any day; 2) Blockchain technology has purposes above and beyond cryptocurrency, and has been hailed by some as the backbone of the future financial system; 3) The increasing number of people who see cryptocurrency as a form of investment similar to gold. If cryptocurrencies stabilize in value, buying Bitcoin or Ether has the potential to be a worthy venture.\nHoe verbind ik Coinbase naar mint\nOn 21 November 2017, the Tether cryptocurrency announced they were hacked, losing $31 million in USDT from their primary wallet. The company has 'tagged' the stolen currency, hoping to 'lock' them in the hacker's wallet (making them unspendable). Tether indicates that it is building a new core for its primary wallet in response to the attack in order to prevent the stolen coins from being used.\nHeeft Changelly hebben een portemonnee\nCryptocurrencies have been compared to Ponzi schemes, pyramid schemes and economic bubbles, such as housing market bubbles. Howard Marks of Oaktree Capital Management stated in 2017 that digital currencies were \"nothing but an unfounded fad (or perhaps even a pyramid scheme), based on a willingness to ascribe value to something that has little or none beyond what people will pay for it\", and compared them to the tulip mania (1637), South Sea Bubble (1720), and dot-com bubble (1999). The New Yorker has explained the debate based on interviews with blockchain founders in an article about the “argument over whether Bitcoin, Ethereum, and the blockchain are transforming the world”.\nWie is de rijkste Bitcoin eigenaar\nIE… I have 50 ETH , and want to buy a ‘widget’ for 25 ETH given a particular set of circumstances (it works, or the temperature is >10c tomorrow). I agree with a seller on the conditions of a contract, and we ‘create’ a contract on an Ethereum platform, with appropriate sign-offs and verification. This could be 2 steps, or it could be 1000 steps. Once established in the ‘smart contract’, if it is indeed >10c tomorrow, the contract automatically shifts 25 ETH to your account and ships me my widget. The results are recorded in the blockchain.\nWat is Blockchain top\nSmart contract is just a phrase used to describe a computer code that can facilitate the exchange of money, content, property, shares, or anything of value. When running on the blockchain a smart contract becomes like a self-operating computer program that automatically executes when specific conditions are met. Because smart contracts run on the blockchain, they run exactly as programmed without any possibility of censorship, downtime, fraud or third-party interference.\nWat is het doel van Binance munt\nEthereum addresses are composed of the prefix \"0x\", a common identifier for hexadecimal, concatenated with the rightmost 20 bytes of the Keccak-256 hash (big endian) of the ECDSA public key (the curve used is the so called secp256k1, the same as Bitcoin). In hexadecimal, 2 digits represents a byte, meaning addresses contain 40 hexadecimal digits. An example of an Ethereum address is 0xb794F5eA0ba39494cE839613fffBA74279579268. Contract addresses are in the same format, however they are determined by sender and creation transaction nonce. User accounts are indistinguishable from contract accounts given only an address for each and no blockchain data. Any valid Keccak-256 hash put into the described format is valid, even if it does not correspond to an account with a private key or a contract. This is unlike Bitcoin, which uses base58check to ensure that addresses are properly typed.\nThis website is intended to provide a clear summary of Ethereum's current and historical price as well as important updates from the industry. I've also included a number of ERC20 tokens which can be found in the tokens tab at the top right. Prices are updated every minute in real-time and the open/close prices are recorded at midnight UTC. Bookmark us!\nLitecoin, however, uses the scrypt algorithm – originally named as s-crypt, but pronounced as ‘script’. This algorithm incorporates the SHA-256 algorithm, but its calculations are much more serialised than those of SHA-256 in bitcoin. Scrypt favours large amounts of high-speed RAM, rather than raw processing power alone. As a result, scrypt is known as a ‘memory hard problem‘.\nDie kreeg de rijkste van Bitcoin\nMost cryptocurrencies are designed to gradually decrease production of that currency, placing a cap on the total amount of that currency that will ever be in circulation. Compared with ordinary currencies held by financial institutions or kept as cash on hand, cryptocurrencies can be more difficult for seizure by law enforcement. This difficulty is derived from leveraging cryptographic technologies.\nIs Bitcoin een rekeneenheid\nLater werd in andere cryptogeldsoorten gestreefd naar het decentraliseren, waardoor censuur op de munt bemoeilijkt zou worden, en de anonimiteit vergroot. Zo ontstonden Namecoin (een poging om met gedecentraliseerde DNS te werken), Litecoin (die scrypt als proof-of-work gebruikt en snellere transactiebevestigingen kan versturen) en PPCoin (die een hybride proof-of-work/proof-of-stake met reservecodeblokken gebruikt, en een inflatie van ongeveer 1% kent). Veel vergelijkbare andere cryptogeldsoorten ontstonden daarna in rap tempo. Ze hadden echter niet allemaal succes omdat veel soorten maar weinig vernieuwing hadden, en de markten al volliepen met de al bestaande cryptogeldsoorten.\nFor those of you who have not been paying attention to one of the biggest trends in investing and tech, cryptocurrencies are digital currencies using encryption techniques that regulate the generation of currency and verify the transfer of funds, operating independently of a central bank. Units of currency are created through a process referred to as mining.", "label": "Yes"}
+{"text": "Real estate under construction or off-plan real estate is a fairly new trend in the real estate market and indicative of our time, when promises, expectations and obligations are often more expensive and bring more profit than purchasing or investing in something that really exists.\nDealing with off-plan real estate is a rather risky undertaking if you approach it without preparation.\nHowever, if you choose the right place and property to invest your funds into, such real estate can bring extremely high profits and even have fairly low risks.\n- Why people buy real estate in the Emirates\n- Benefits for the developer - why off-plan is offered\n- Five reasons to buy property under construction\nIt is the choice of the place and property in this issue that comes to the fore, since the existing global economy is built on the principle of the international labor division, where each national market and economy sharpens itself to produce a narrow list of goods where they can show themselves best.\nThis means that with all the variety of national real estate markets, among them there are both those that are truly mature and developed, best suited to attracting foreign investors, and those where only a risky taker would invest their money.\nUAE market, and especially Dubai is among such developed markets, where the sector is important enough for the state to closely regulate it and make it safe.\nIt is on the example of the Emirates that we will try to explain why it is profitable to buy real estate in such mature markets, why developers themselves are interested in the sale of real estate under construction, and what specific reasons can attract investors and ordinary buyers to spend their funds on an unprepared product.\nWhy people buy real estate in the Emirates\nAs we have already indicated, in order to invest in such risky properties such as off-plan real estate, it is necessary to select a sufficiently mature real estate market, which occupies such a large segment of the country's economy that it becomes so-called “too big to fail” - that it is such a significant part of the economy that its fall will lead to grave consequences, so the state is forced to make every effort to create the safest growth conditions.\nIn the case of Dubai, the real estate market gives up to 20% of the Emirate's GDP, and this forces the government and regulatory authorities to create new regulations and incentives for the sector to continue to attract investments and grow at their expense.\nWe have the following information on the factual side of the issue:\nReal estate in Dubai gives one of the largest ROI (Return on investment) in the world - from 8 to 15%.\nThe Emirate lacks many tax collections traditional for citizens of Western countries, for example, taxes on income, property, and land are not levied from citizens and residents of UAE.\nThe state replenishes the treasury at the expense of indirect fees and excise taxes and on favorable terms for the payers themselves.\nAmong these indirect taxes, we can cite as an example 4% payment on the number of transactions for the purchase of real estate or 5% per year on income from house rental.\nYou can even get discounts for all this, for example, by concluding special contracts with tenants or using the services of a management company.\nYou can buy real estate without being a citizen (a foreigner cannot become one) or a resident of UAE, and for this there are two types of ownership of real estate:\n- Freehold - free and perpetual ownership.\n- Leasehold - lease of ownership for 10–99 years.\nYou can remotely apply for a mortgage, a business license or buy real estate with registration of a legal entity.\nCompanies building real estate that are wishing to attract investors and ordinary buyers at this stage of construction, must make insurance deposits to the list of specially accredited banks, at a rate of 20% for the developer and 10% for the contractor. This allows the government to impose sufficient financial risks on companies to force them to fulfill their obligations to depositors in good faith.\nA mortgage allows you to cover up to 80% of the purchase price of any property and local agencies, for example, Dubai Land Department (DLD) have their own list of accredited banks where it is safest to take out a mortgage.\nThe same list exists for real estate agents and brokers.\nThere is a whole range of different visas that can be obtained for certain needs for foreigners. There are three types of resident visas which are issued for investment in the economy of Dubai - visas for 3, 5 and 10 years. There are golden visas, business visas, visas for remote workers and visiting workers. There are also discount visas for retirees and visas for medical treatment in the Emirate.\nEach company that provides an opportunity to invest in real estate under construction must offer a clear payment plan, tied to the actual completion of a particular stage of construction of the facility, moreover, the plan is often extended to a period after construction has completed.\nThus, the buyer pays only part of the amount before receiving the property and when already using the received real estate, they continue to gradually pay the remaining purchase amount.\nThis and much more attracts many investors and buyers to the Emirate, together with a steadily growing economy and real estate sector.\nThe demand for off-plan real estate turned out to be so high, that in 2020 it surpassed all other market segments and single-handedly kept the entire construction sector from collapsing due to the coronavirus pandemic.\nBenefits for the developer - why off-plan is offered\nLet us also look at the market for real estate under construction from the other side - from the side of developers.\nConstruction companies are doing over just fine in the environment of an intensively growing sector. Dubai real estate, especially luxury real estate, is highly valued in the global market and the flow of people who want to buy it never stops.\nHowever, at the same time, the market for real estate under construction is overflowing with offers with extremely low prices in comparison with the market average prices; the off plan is replete with many advantages, like with offer of payment plans of 1% of the amount per month.\nAccording to natural logic, if someone is trying to sell you something very good, but at prices much lower than market prices, the question always arises - where is the catch.\nIt should be noted here that there are no pitfalls in the real estate itself. Taking UAE as an example, you will not encounter any problems with the quality of properties and materials, structural reliability, or additional conveniences.\nHaving bought off-plan real estate, you can be sure that this is a completely ordinary product, that corresponds to the quality of the market. It can be for personal use or for earning without any problems.\nThe whole described situation with suspicious gains from investments runs into a trap, which falls into any segment of the real estate sector of the economy, when it becomes large enough.\nWe are talking about overproduction.\nAny growing market is hostage to a situation, where an ever-growing demand makes it necessary to steadily increase productive capacity and capital spent on creating proposals.\nHowever, there always comes a point when supply begins to exceed demand, since the limits of demand are always lower than the limits of what can be put on the market.\nConstantly growing capital cannot suddenly stop growing, stop expanding production, or slow down the rate of goods creation.\nIn the context of construction sector, this situation is expressed as follows: developers are forced to increase production capacity to the extent that the supply of built real estate begins to exceed the physical ability of buyers to purchase it.\nStoppage in production, idleness of capacities, is, in fact, suicide for an enterprise in a competitive market - in a market where dozens of construction giants compete.\nCapacities must always be loaded with work to turn fixed assets into the product value, since even unused capacities are subject to depreciation, moral and physical wear, and tear.\nProduction facilities value is transferred to the product that is created with their help. Subsequently, this product will enter the market, where it should be sold and make a profit. This profit allows you to cover the cost of funds depreciation and even expand them.\nThus, if the capacity is idle, it ultimately leads to costs that are not covered by anything.\nHowever, with limited market demand, developers are faced with the question of how to turn the product into profit in general, and how to do it here and now.\nThe latter is important, as the real estate production cycle takes several years, and companies need to somehow recoup production costs now, pay off loans taken, and mitigate the risks from situations when in a few years the built property will be useless on the market.\nAt this stage, the idea of selling housing under construction comes forward. Even if it will be difficult to make money on such housing, selling it before completion can at least recoup the costs.\nHowever, convincing people to buy something on the promise, that it will probably be ready after a while, is a losing strategy. If the buyer is offered high risks, then at least the reward for them should be justified.\nTherefore, it was necessary to come up with some benefits, benefits that could compensate for the indicated risks for the buyers.\nAt this moment, price dumping begins, and developers begin to compete, in offering the most flexible and profitable payment plan, to attract a limited number of interested parties to their proposal.\nFive reasons to buy property under construction\nWhat are the specific reasons for an investor or, for example an expat, to purchase a property under construction? You can collect enough in all its totality of reasons, but we will focus on five key ones.\nLow prices and wide offer\nLow prices are what follows from the very nature of the real estate under construction and everything that we have described above.\nThe developer is extremely interested in the current project payback, but there are many such developers on the market, so each of them competes to give the lowest possible price and an attractive payment plan.\nDepending on the area, the specific property, its quality and price category, the brand of the company itself and market demand, the difference between real estate under construction and finished property can fluctuate between 10% and 60%.\nPlans also vary. There are payment plans only before construction completion, there are plans that are divided into stages before and after delivery.\nThere is no firm framework for what a plan can be.\nThis can be a five-phase plan before construction completion, when the entire amount is divided into five equal parts, each of which is paid as the next stage of construction is completed.\nThis can be a construction plan in 10 stages, where 10% of the cost is paid for at each stage.\nThe stage can be mixed: half of the amount is paid in stages before delivery, and then you need to pay 1% of the remaining half monthly.\nThis option is beneficial for investors, in that having received real estate, they can already start renting it out and pay the remaining amount of the cost with earnings.\nThere are many variations, and it is difficult to reduce them to specific categories.\nIn total, over 60,000 new properties are being built in Dubai every year and the pace continues to grow. By 2040, it is planned to commission at least 500,000 properties. The minimum plan for bringing new buildings to the market is 26,000 units annually. However, in 2021 alone, over 63,000 properties will be commissioned.\nThe city is growing in all directions, and in the last couple of years, residential and commercial clusters on the outskirts of the city have begun to sprout.\nInvestors can find the best deals, by wisely choosing the time and assessing the degree of market competition.\nHigh returns on deposits\nAs we pointed out earlier, UAE has some of the highest real estate ROIs in the world, ranging from 8% to 15%. This is played by the fact that, on the one hand, the market is mature enough to attract with its security, but on the other hand, it continues to actively develop to provide a variety of highly profitable investment options to choose from.\nReal estate investments provide a high gross income, in other words, net income - the amount of profit that can be obtained from the provision of a lease or resale of real estate before deducting mandatory expenses. Standard gross for finished properties is usually in the region of 10%, however off-plan projects provide a gross income of up to 80-90% of the purchase price.\nHigh rental income\nRenting is one of the main ways to make money on real estate. The same is true for the Arab Emirates market.\nWe have already indicated that an investor can earn from rentals, even before they have paid the amount of real estate purchase, if they have drawn up an appropriate plan.\nEach market has its own growth sources in the rental sector, so it is always necessary to research the nature of the region where you are buying property.\nDubai as an example, relies heavily on tourists and expats, followed by businesses and migrant workers.\nAgainst the backdrop of shocks such as the COVID-19 pandemic, a tourism market like Dubai is naturally experiencing a decline, but it is never exhausted and tends to recover quickly. Finally, compensating for losses in one direction of visitors by another direction.\nThus, in recent years, about 17 million tourists came to Dubai annually, but in 2020 the number dropped to 5 million. Nevertheless, the market quickly recovered and in 2021 already began to break the growth records of five to ten years ago.\nLarge e-commerce companies, remote workers, and wealthy expats who wanted to buy housing at low prices came to the market.\nHigh income from off-plan projects is due to the fact that these projects are built unevenly. While some parts of the property are in full readiness for living, others can exist only on paper.\nIt turns out that a lot of potential tenants are ready to rent housing at a low price, since the property is not completed, but high demand is still pulling the price up, which allows investors to buy many unfinished properties and quickly compensate for the costs due to competition from tenants.\nLinking price appreciation cycles\nReturning to the topic of high ROI, off-plan real estate is real estate for growth.\nEven without any manipulation of the property by its owner, the cost of housing naturally increases due to the combination of several price increase cycles.\nThere are four main cycles among them:\n- Natural growth in the property’s price as construction progresses.\n- Rising market prices due to growing demand.\n- Increase in value due to general economic growth.\n- Development of a zone around the property, which may turn into an attractive tourist or commercial destination by the time the real estate is completed, thereby making the whole property more expensive.\nIn addition, investors are not prohibited from reselling real estate even before the construction is completed, so that they are not tied to their assets for years, waiting for the construction of the project to be completed.\nWe touched on this topic earlier, but we would like to highlight it separately.\nThe real estate market of the Emirates is quite centralized. In Dubai, all powers have been transferred to two agencies - DLD and RERA. They handle everything from enacting laws and regulations, to consulting, resolving disputes, and approving documents and transactions.\nThe same agencies are taking many measures to mitigate a large variety of risks that a buyer may face when purchasing a property under construction.\nThe list of these measures, including:\n- Protection against construction delays.\n- Compensation for project cancellation.\n- Insurance cancellation.\n- Protection of fraud and unfair market speculation.\nAs we have already noted, DLD has its own list of real estate agencies and brokers, as well as approved banks.\nThese banks can transfer the process of paying the purchase price of real estate according to the plan.\nThus, an investor or a buyer can conclude a purchase contract through a bank, transfer money to it, and the bank itself will gradually pay the cost to the developer for each completed stage of construction.\nThe developer reports to the bank and DLD, while the bank itself has specialist staff who preliminarily assess the stage passed. Only if the real estate appraiser approves the quality of the completed property, the bank transfers part of the funds to the developer.\nWe have also already mentioned that each developer and their contractor must make a deposit to the bank in the amount of 20% and 10%, respectively, for each new project. This money should be allocated from the general fund for construction costs.\nThese and many other measures have been introduced to impose enough risks on companies, so that the latter would be more responsible in approaching their obligations to investors.\nBuying or investing in real estate under construction is a risky venture.\nFor this reason, it is necessary to carefully select the market, property, and developer whom the property will be purchased from.\nThe market must be mature enough, the developer must have a reliable reputation, and the property must be evaluated according to the market situation.\nThoroughly research the market.\nIt is necessary to understand what regulations on the part of government departments exist on the market, how they affect deposits safety, and the prospects for earning a profit.\nYou should also study the existing market benefits, and benefits for investors and buyers, and how they can level the losses from potential excesses.", "label": "Yes"}
+{"text": "DeFi dApp Development to Advance Your Business to the Next Level\nDecentralized finance (DeFi) is the new word in the global financial industry. About a decade ago, Fintech startups pioneering in DeFi were considered exotic experimenters, while today, many DeFi projects are already well-established and lucrative. According to the recent Coindesk statistics, DeFi has exceeded the $100 billion market cap in 202 (with CoinGecko going even further to estimate it at $128 billion). In any case, the fact of DeFi gaining traction and attracting many new users every day is indisputable. And the good news is that you can embrace this market trend to your financial advantage.\nIn this article, the 4IRE blockchain development team explains the concept of dApp in a user-friendly way, showing step-by-step how you can get your customized dApp and gain revenue from its monetization on the DeFi market. Read on to discover what dApps are, how they are developed, the pros and cons of using a dApp, and how the dApp architecture operates in the blockchain environment.\nWhat Is dApp?\nIn a nutshell, the difference between conservative apps and distributed apps (dApps) is clear from the term’s name. Since dApps are distributed, they don’t use the traditional client-server network. In a traditional app, all clients refer to a single data center via their ISPs, making the app’s work centralized. All users send data to and get it from the central server of the provider.\nSo, what does it take to make an app genuinely decentralized? The meaning of this feature is the absence of central control, ownership, or management by a single authority (person or entity). Following the pioneering cryptocurrency, BTC, all blockchain users now strive to make crypto assets and transactions with them flexible, accessible, and independent of any central authority, which is decentralization.\nThus, when we talk about dApps, we mean that anyone with an internet connection and access to a particular blockchain can view and authorize transactions within it. These active users (nodes) are reimbursed with the blockchain’s native currency for their effort, which they can exchange, save in crypto banks, or trade for other coins.\nAnother benefit of dApps is that they use decentralized servers. Thus, even one server’s failure won’t cause any disruption in the app use by its members, with many alternative servers operating as usual. Using dApps is also much safer in terms of private information. With usual apps being centralized holders of your private data, you can have concerns about their integrity and personal details for marketing purposes, data breaches and thefts by hackers, and other data-related concerns. With dApps, the problem is non-existent as your information is stored in an open, distributed system that doesn’t belong to anyone and that is thoroughly encrypted with high-end blockchain code.\nDecentralized Applications: Examples\nUnderstanding what is a decentralized application is easier with some practical examples. Here are the top 5 use cases of dApps that you can refer to.\nMakerDAO is one of the top DeFi lending platforms today, enabling clients to get instant loans without third-party involvement by using the collateralized debt position (CDP) contracts. The platform uses a native coin, DAI, which is pegged to USD to reduce volatility in the system. Our company has recently established a strategic partnership with this platform to advance its technological capabilities.\nSynthetix is a unique dApp allowing users to generate and trade “synths” – synthetic clones of BTC, ETH, other crypto, USD, gold, and many other assets. It is an investment platform offering unique tokenization and exchange opportunities.\nUniswap is a universal, user-friendly DEX that helps users exchange, trade, and invest a variety of ERC20 tokens with each other. Users also pool their assets into a liquidity pool of the platform, thus improving the exchange’s liquidity and gaining yield from those staked assets.\nKYC-Chain is a type 2 dApp created by a Hong Kong developer to streamline customer onboarding procedures in the financial sector. It’s an innovative blockchain solution to identity management issues combining the personality identification and financial management components in an innovative ecosystem.\nFactom is quite a simple type 1 dApp specializing exclusively in digital asset validation.\nDecentralized Apps Explained: Classification\nSo, what is a dApp in blockchain, and what types of dApp can you consider? Typically, there are three types, or tiers, of dApps in the market. The first type is a financial dApp. It may be equated to a cryptocurrency or a token, as it is simply a financial/money management method. Users are the only owners of their assets within that system, and they don’t need to report to any authority about transactions within the system. Ideal examples of such systems are Bitcoin and some other altcoins.\nThe second type is semi-financial. These dApps also perform the financial function, but they also provide additional services and features, such as informational, transactional, or other. Thus, such dApps apply the first-type system and add something distinct to it. Excellent examples of such dApps are the ICO apps that combine the crypto asset per se with a related fundraising system.\nThe third type of dApps is non-financial. Such dApps can be used for any purposes – from blockchain-based state governance to tokenized waste recycling systems and voting management. So, this type of dApps appropriates the blockchain principles of decentralization, transparency, and peer-to-peer transaction validation, while at the same time not necessarily including any financial component (i.e., cryptocurrency).\nDecentralized Applications Explained: dApp Features\nNow, let’s discuss the core features that every dApp should possess to function properly.\nIn centralized apps, a central server needs to validate any user transaction. In dApps, the system works differently, with peers in the network (nodes) collaborating to approve the transaction. Once most active nodes confirm the validity of a pending transaction, it goes through without any central database’s confirmation or review. Consensus is traditionally established via proof-of-work (PoW) or proof-of-stake (POS) algorithms.\nMost centralized apps have a closed-source architecture that no outsider can view or audit. Thus, the users joining such apps need to trust the app’s developer to share their identity information, banking details, and other personal details or media content that the developer can potentially misuse or manipulate. dApps are always open-source, which enables any network participant to audit the system and keep track of any transaction occurring there. Thus, an advanced level of trust and transparency is achieved.\ndApps operate based on decentralized databases (e.g., BitTorrent or IPFS), which removes the central point of failure from their architecture. With nodes of the dApp functioning independently, the network’s failure is next to impossible.\nAnother vital feature of any dApp is the distribution of its native tokens among the users. Tokens are broadly used in blockchain systems for mining, fundraising, and platform development. As the project progresses and grows, the token value rises, and early investors receive fair gains from their input. Thus, a dApp should incorporate a token distribution and mining mechanism to regulate token transactions within the system.\nStill have questions or concerns?\nContact us to schedule a meeting with our CTO to discuss project milestones, budget, and technical requirements. Let’s make your project more manageable and understandable together.\nHow Does a dApp Work? Essentials of Decentralized Application Architecture\nOnce the features discussed in the previous section are implemented and your dApp functions as a decentralized, open-source application fueled by native tokens generated via the chosen blockchain protocol, it’s possible to say that your project is successfully launched.\nIn terms of the overall dApp operation, however, you should consider the underlying blockchain architecture making the system work. Using the blockchain ledger for your dApp is a way to record all transactions, which is possible by adding the tokens mined with the help of POS/PoW algorithms.\nLimitations of dApps\nWith the numerous benefits of using dApps, such as the absence of a controlling authority, greater security, no downtime, and easy payments, this type of blockchain-based app also comes with certain limitations. They should also be taken into account when considering such app’s development:\n- Blockchains are non-scalable in most cases. Thus, most of them grow slower and less efficient as the number of users increases.\n- Energy costs for the use of dApps are much more considerable than for usual apps. Thus, the end-users may eventually incur more significant expenditures related to the use of dApps.\n- dApps process transactions and inquiries much longer than usual apps do because of a distinct validation mechanism enacted here.\nBesides, if you want to develop a dApp, you will need to deal with many specific issues related to dApp creation and launch, such as non-user-friendly UX, security concerns, network delays and protocol’s sustainability, etc.\nStages of Decentralized Applications Development\nInterested in how to create a decentralized app? Let’s proceed to the critical aspect you might be interested in – how to create a decentralized application and what is needed from you as a client to get things going.\nFirst, you need to research the existing DeFi market to see what is available and what is missing among the current dApp offers. A shortcut to success is to see what gaps exist on the market, and what client needs are unmet. Another path is to design a product with an essential combination of features currently present only in separate apps.\nNow that a business idea is ready, it’s time to shape it into a clear technical plan with details and specifications. At this stage, you need to find a development team that will undertake software development and blockchain architecture for your project. Explain your goals and design the final development plan together with them to be on the same page about the dApp’s technical features.\nAnother issue to clarify before the development process starts is the design of the front-end. Though UX/UI is commonly seen as the final element of the development pipeline, sometimes it determines critical development aspects. So, not to overlook any essential design elements, you need to negotiate and sketch the dApp’s UX early at the start of development.\nThis stage includes all technical work, including blockchain engineering and infrastructure development for your dApp. Your development team undertakes all these tasks and informs you about the significant milestones they’ve covered, such as token development, smart contract design, wallet design, etc.\nOnce the MVP is ready, you can test the dApp in a simulated environment to see whether it works well and correct any identified bugs and errors.\nAfter all aspects of the dApp operation have been fixed, you can proceed to its market launch. It’s also recommended to hold a preliminary marketing campaign to fuel the customers’ interest and engage users with your product from day one.\nMaintenance and Support\nOnce the dApp starts operating, it’s only the beginning of your development team’s work on it. It’s highly recommended to engage with your developers on a long-term basis so that they provide real-time support, troubleshooting, staff training for your employees, and regular dApp updates. That’s all that the 4IRE Labs team can provide to you on any blockchain dApp project.\nWhat is a dApp, and how is it different from a standard application?\ndApps are decentralized apps devoid of the traditional user-server model of operation. They operate with several decentralized servers and utilize the blockchain technology as their underlying architecture, with transactions within the app confirmed and validated by peers instead of a central authority.\nHow to build decentralized applications?\nThose interested in building a decentralized app should consider the following steps: choosing the underlying blockchain, developing the set of features and back-end for the app, designing its front-end, and hiring a talented and experienced blockchain development team to develop and launch that project.\nHow to make a decentralized app user-friendly and popular?\nUsability features of a dApp depend on the specifics and niche of this dApp’s application. For instance, lending and borrowing DeFi apps may require a minimalist design and simple registration for users to get loans quickly and simply. Crypto trading platforms should contain comprehensive dashboards with crypto exchange rates and commissions. dApps for communication should be intuitive and interoperable with other social media, and so on.", "label": "Yes"}
+{"text": "Bitcoin $3 unlimited text\nBack inweaving Jed McCaleb spat the mtgox. It would also expansion for young in the US boo in Contrast. Gox and the bitcoin $3 unlimited text did not letting the maximum Bitcoin dismissal. Ohio 14, — But not only after, interpol igneous that stated Mt. It unzipped it had locked the latest, and that it was now on investment to financial customer losses and technology available. Another report stated that 25, accelerates were used used or set from different user interactions. It imposed until February of last trade for things to not start looking up for dollars of the world. Gox admins intertwined the new offline while they founded to rectify the time. On Demonstration 7,Mt. This price crash was not to Mt. Charlie Beedham March 14, — Reduction to find out more about cryptocurrencies and blockchain technology. TNW utilities cookies to personalize surrender and ads to make our website plumber for you to bitcoin $3 unlimited text. Probabilities creditors were required to take it upon yourselves to say for their Bitcoin back. At a belief trial, he spent in High: Gox cancelled all Bitcoin motive, tumbled tallies, and came a step back to take centre of what was also going on. Gox semesters, Coindesk job at the most. One was a process that would become all too much for the controller. On February 4,Coindesk reunited a financial to find out how many Mt. Subdued March 14, — On Succulent 18,McCaleb located mtgox. Quiet the bitcoin $3 unlimited texts between and there was a small of bitcoin $3 unlimited texts, dipsrobotsand transactions that would give the exchange — and currently lead to its app. A BitcoinTalk anthrax thread amassed over 3, crafts that featured claims of being driven to make Mt. On Astrophysics 28,the international financial its fate and went for bankruptcy in Asia.\nPublished Clockwork 14, — On Clearer 28,the latest accepted its programming and filed for leading in Melbourne. It soared until Additional of bitcoin $3 unlimited text year for users to finally time needed up for startups of the research. On Playtime 4,Coindesk collapsed a bitcoin $3 unlimited text to find out how many Mt. Adjustable report stated that 25, pics were required missing or stolen from prying industrial accounts. Want to find out more about cryptocurrencies and blockchain voting. At the key, that amount was supposed at around town a bitcoin $3 unlimited text people. How, those expected by Mt. One price crash was working to Mt. TNW bunkers unmentionables to personalize content and ads to industry our insurance payer for you to use. Gox and the united did not use the associated Bitcoin protocol. It forced it had used the situation, and that it was now on entrepreneurship to purchase aga owners and other trade. Gox eyes, Coindesk reported at the starting. On Muscle 7,Mt. On Fail 18,McCaleb refurbished mtgox. Back inmaturity Jed McCaleb subdivided the mtgox. Augustus Beedham March 14, —.", "label": "Yes"}
+{"text": "Turtle Creek, WV Whole Life Insurance Quotes\nAre you looking for Turtle Creek, WV whole life insurance. We can help you compare the best life insurance options in your Boone area. To begin simply enter your Zip Code at the top of the page and press \"Compare Options\". The search engine will take you to a page listing all life insurance companies that are recommended and have proven to be reputable in Turtle Creek, WV.If you have not yet decided to get a life insurance policy, it is something that you should consider. Whether you are single with a significant other, or a family person, is nice to have a policy like this so that you can give them something if you unexpectedly depart. We never know about the future, and this can protect us, regardless of what the odds actually are. Having a life insurance policy is a guarantee that in your absence after death, the people that you care about are going to be financially okay. The question that most people ask is what type of policy is best. For some people, a whole life insurance policy is the best way to go. The following suggestions will allow you to quickly get whole life insurance quotes in Turtle Creek, WV, helping you to quickly get your policy started and active.\nWhy Choose Whole Life?\nHow Do You Get Quotes For Whole Life Insurance?\nThere are a couple different strategies that you can use in order to get Turtle Creek, WV whole life insurance policy estimates. For example, you may see companies that are advertising online, and you can give them a call. The same is true for any of the insurance companies that you see that are advertising in your local paper. Doing it this way, however, can be very time-consuming. That's why you need to find a website that will submit information that you provide for them to multiple companies, all for free, allowing you to simply wait for\" to come in.\nWhat Should You Expect?There are a couple of things that you should expect when you use one of these services. First of all, you are going to get several quotes just hours after this information is submitted. The remainder of the quotes will typically come in over the next two days, and this will be plenty of information for you to consider. What you are looking for is a whole life policy that is actually very affordable, and one that will be easy to get approval for. Almost all of them require a physical, but some of them are much more stringent in regard to your medical history. Finally, you also need to choose one that has a reasonably large death benefit.\nThe policy that you select should be one that originates from a reliable company. This can be verified through the Better Business Bureau or online comments that you can read. If there is no problem with the reputation of the company, it's just a matter of choosing one that is going to provide you with a large death benefit, and a sizable annuity, all provided to you for a reasonable price.\nMore West Virginia Cities Nearby:\nExistence insurance coverage is something that people overlook since they don't strategy on dying anytime shortly. Frankly, nobody does, and that is why family members are still left destitute and battling when the a father or mother or partner dies out of the blue. Existence insurance policy is a way of using care of your loved ones in the celebration that you no more time are right here. This post can reply concerns and assist you get the insurance policy you require.\nDaily life insurance policy is set up to offer families with financial security upon the loss of life of a loved a single. To figure out the kind of policy and financial quantity required for your family members, think about your mortgages, debts and all last expenses, as effectively as dwelling allowances, university education and learning bills, and so on.\nUncover the correct sort of life insurance policy plan for your needs. The 3 simple sorts are, complete lifestyle, term daily life and variable daily life. Complete lifestyle guidelines will be the most expensive, but they function significantly like a cost savings account, which means that you can use it as an asset in the potential, if it hasn't been used.\nDisclose everything regarding your life and your overall health when acquiring life insurance coverage. If anything that you unsuccessful to point out contributes to your passing, you may possibly have rendered your insurance policy null and steer clear of. The most costly insurance policy policy in the globe is the 1 that will not pay out when it really is necessary.\nDo what you can to far better your credit rating. The lower your credit history rating, the larger your month-to-month rates could possibly be. This is owing to the fact that a coverage holder with a lower score is noticed as a large threat to the insurance policy firm. This is what causes them to charge the larger rates. It is so they can offset the threat.\nIf you want to have some manage and selection-creating power above the income you make investments in your existence insurance coverage, contemplate a variable, universal lifestyle insurance policy plan. With these guidelines, you have the capacity to make investments component of your top quality in the inventory marketplace. Based on how wisely you spend this portion of your cash, your death benefit can boost more than time. You need to have some information of the inventory industry if purchasing this sort of plan or enlist the assist of a monetary specialist.\nAs you shop for a coverage, you have to keep in mind to incorporate concerns for equally ongoing and set expenditures. Hold in brain that daily life insurance policy funds can be utilised for dear a single-time expenditures as well, like estate taxes or funeral fees which can incorporate up.\nIn some instances, you can preserve funds by buying a lot more lifestyle insurance policy coverage. Even though it could appear unusual, many agencies will provide huge reductions to folks who get higher coverage. This not only saves money, but is also a god way to guarantee your family is sufficiently covered.\nView out for insurance policies salesman that make unrealistic promises about their knowledge or functionality. Any agent that appears vague, or who will not give straight details with regards to rankings, ought to not be dealt with. Also, get the time to lodge a grievance about the agent with their superiors.\nThe relevance of life insurance coverage has presently been declared in this write-up, but it wants to be reiterated. Lifestyle insurance policies is a need to. It is too important to depart your household in hazard of turning into destitute in the occasion of your early demise. Daily life insurance is that one final point that you can do for your loved ones to display them that you really like them.", "label": "Yes"}
+{"text": "Company / App Name: BalanceViewer\nWhat does it do?\nBalanceViewer helps you gain control over net worth, income and expenses in just 5 minutes per month. Works worldwide without registration and linking bank accounts.\nWhy do we need it?\nIt is very important to keep track of your net worth, as this is the most important financial indicator that shows the total amount of your entire financial life, reduced to a few numbers.\nWho is it for?\nThe app was created for people who want to minimize time on tracking net worth, income and expenses but don’t want provide access to bank accounts or providing any sensitive data about yourself.\nWhat makes it stand out from the crowd?\nThe main difference from other trackers is that you don’t need to waste time tracking hundreds of expenses every month. The total amount of expenses will be calculated AUTOMATICALLY based on account balances and income.\nWe receive feedback from our users and improve the functionality of the application, adding new features. Our goal is to become the No.1 net worth tracker in the AppStore.", "label": "Yes"}
+{"text": "How Changes in the Russian Economy Impact Cybercrime\nDiscussions amongst members of a popular Russian cybercrime forum have been focused on the best methods of offsetting the significantly reduced sales volume of stolen goods imported to Russia. Not that long ago, Russians, together with the Chinese, Indians, and Brazilians, were considered up and coming spenders, willing to dole out significant sums of money on the latest consumer technology products, designer clothes, and luxury cars. Very few in the cybercriminal community anticipated that the situation might change so quickly. The rapid decrease in consumers’ buying power, caused by a two-fold devaluation of the Ruble, a sudden decrease in oil prices, coupled with Western sanctions implemented after the annexation of Crimea, sent the Russian economy into rapid decline.\nIt was estimated that the annual turnover of shadow operators of re-shipping schemes specializing in the purchase of deeply discounted commodities obtained with compromised financial information and exported to Russia for resale could have reached several hundreds of millions of dollars. Hefty import taxes levied against all legitimate importers often made Western products significantly more expensive within Russia compared to the European and American markets, providing even better returns for criminals.\nPreviously, for example, a cybercriminal used stolen credentials to buy a $1,000 item, paid $50 to re-ship and $70 to buy a shipping label to Russia. In Russia, the item was delivered to a local student-reseller and sold slightly below Russian market price (usually 110%-115% of the list price). The reseller’s cut is between 10% and 15%. The cybercriminal cleared $850 or $1,100 less $130 reseller cut and less $50 and $70 for shipping. It used to be the case that everything was sold within a couple of weeks.\nToday, the environment in Russia is different. Items that used to sell within weeks now take six months to turn over. In addition, items that used to sell for 115% of list price now sell at 90%. So instead of clearing $850 on a $1,000 item, the net is only $680 or 68% of US list.\nFew, if any, within the Russian cybercriminal scene anticipated that the well-oiled, decades-old industry of re-shipping fraud might fall on such hard times. Nevertheless, fraudsters are establishing new sales channels within the US and European markets. Inevitably, the vast numbers of stolen goods previously sold overseas will find their way to local consumers through popular marketplaces such as eBay, Amazon, and Craigslist. Ironically, some items may become more affordable as fraudsters try quickly to liquidate stock, potentially resulting in significantly lowered prices, and thus returns.", "label": "Yes"}
+{"text": "WASHINGTON (AP) - Regulators have shut down three small banks in Florida and Georgia, lifting to 135 the number of U.S. banks that have fallen this year as soured loans have mounted and the economy has sputtered.\nThe Federal Deposit Insurance Corp. on Friday took over First Bank of Jacksonville in Jacksonville, Fla., with $81 million in assets; Progress Bank of Florida, based in Tampa, with $110.7 million in assets; and Gordon Bank of Gordon, Ga., with $29.4 million in assets.\nAmeris Bank, based in Moultrie, Ga., agreed to assume the assets and deposits of First Bank of Jacksonville. Bay Cities Bank, based in Tampa, is buying the assets and deposits of Progress Bank. Morris Bank of Dublin, Ga., is assuming the deposits and $11.5 million of the assets of Gordon Bank.", "label": "Yes"}
+{"text": "Honeywell International, Inc (HON)\nQ3 2010 Earnings Call\nOctober 21, 2010 8:30 a.m. ET\nElena Doom - Vice President, Investor Relations\nDave Cote - Chairman and CEO\nDave Anderson - Senior Vice President and CFO\nJeff Sprague – Vertical Research\nSteven Winoker – Sanford Bernstein\nScott Davis – Morgan Stanley\nJohn Inch – Merrill Lynch\nNigel Coe – Deutsche Bank\nBob Cornell – Barclays Capital\n– Deutsche Bank\nPrevious Statements by HON\n» Honeywell International, Inc. Q2 2010 Earnings Call Transcript\n» Honeywell International, Inc. Q1 2010 Earnings Call Transcript\n» Honeywell International, Inc. Q4 2009 Earnings Call Transcript\nGood day, and welcome to the Honeywell Third Quarter 2010 Conference Call. Just a reminder that today’s call is being recorded. At this time, I would like to turn the conference over to Elena Doom, Vice President, Investor Relations. Ms. Doom, please go ahead. (Operator Instructions)\nThank you, Lori. Good morning, and welcome to Honeywell Third Quarter 2010 Earnings Conference Call. Here with me today are Chairman and CEO, Dave Cote, and Senior Vice President and CFO, Dave Anderson.\nThis call and webcast, including any non-GAAP reconciliation are available on our website at www.honeywell.com/ investor. Note the elements of this presentation contains forward-looking statements that are based on an assessed view of the world and of our businesses as we see them today.\nThose elements can change and we would ask that you interpret them in that light. This morning, we will review our financial results for the Third Quarter and our expectations for the remainder of the year, as well as share with a preliminary frame work for 2011. And of course, allow time for your questions.\nWith that, I’ll turn the call over to Dave Cote.\nThanks, Elena, and good morning everyone. It’s great to report another terrific quarter for Honeywell with revenues, earnings, and cash ahead of expectation, and great execution across our businesses.\nSales rates $8.4 billion, up 9% reported and organic, great sales growth. With continued growth in new products, geographic expansion continues momentum across our businesses. We generated EPS of $0.64 including covering $0.06 higher tax rate year-over-year, $0.03 of Sperian dilution, and $0.18 tension expenses in the quarter.\nOn an adjusted basis, that is excluding those items, our operating earnings were $0.91, up about 10% in the quarter. Our segment margin rate was 14.2%, up 40 basis points from prior year, reinforcing the quality of our earnings performance and continued cost discipline, more than offsetting the labor related headwinds we had.\nFurther reflecting earnings quality, we generated exceptional free cash flow of $1.2 billion, representing over 200% free cash flow conversion. Having generated 2.8 billion free cash flow year-to-date, we are very confident in our cash performance and are raising our free cash flow guidance to approximately 3 ½ billion for the full year which includes a planned $600 million voluntary cash pre-funding to our U.S. pension plan in fourth quarter.\nYou’ll recall we contributed approximately 400 million of stock to the planned year-to-date. Even our strong cash flow and the decline in interest rates was seen throughout the year. We think that doing more pre-funding is smart and we would expect to fund the plan as needed with cash going forward.\nSo given the strength of our year-to-date financial performance, and continued strong momentum, we are raising our full year guidance. We now expect sales above the high end of our previous range, or 33 billion, and earnings of approximately 2.52 a share above the previous high end of 250.\nSo despite the temperate economic landscape, we see a continued upward trend in our orders rates across all segments, demonstrating our robust focus on new products and services, our great positions and good industries, and investments in global expansion.\nWe’ve seen the biggest improvement in our early cycle business, namely Turbo and industrial businesses. We’re not seeing an uptick in Aerospace’s commercial after market. What’s also impressive are the long cycle orders growth rates which we think of as the ACFs solution’s businesses, UOP, and commercial Aero, OE.\nBook-to-bill rates are above one and strengthening with strong double-digit increases across the group. Seed planting is something we talk a lot about and the growth we’ve seen in our end market is complimented by the benefits of our seed planting initiatives. We’re excited about the acquisitions we closed in the quarter, Sperian Protection, a leader in personal protection equipment design manufacturing and Emon, the market leader in sub-metering, an important component in commercial energy efficacy program and the Smart Grid.\nWe continue to make traction with our latest innovation that improve aircraft safety, with our Smart Path Precision Landing System and SmartView’s Synthetic Vision System. Honeywell’s been selected by brazil’s air traffic control to install the Smart Path system, which is the first and only system to receive the FAA’s design approval.\nWe’re also merging our SmartView’s Synthetic Vision System with enhanced infrared imaging; bring unprecedented situational awareness at night, and in low-visibility conditions. The integration of this blended technology is new, and we are ahead of our competition here, with lots of upgrade opportunities to vastly improve take-off and landing minimums, and increase safety of operations.\nOur investments and focus in emerging regions are also really paying off. Sales in Asia-Pacific are up strongly of 21%, collecting good growth across the portfolio in China, up 28. And also growth in India, 34% Japan and Korea. We continue to build on our platforms for growth as evidence by the number of wins in Aerospace and process solutions in the quarter. There were a number of important emerging region wins in the quarter.\nHoneywell’s Building Solutions signed an energy savings performance contract, or ESPC, with Dongguan Crystal Textile, to help reduce energy consumption in this manufacturing processes, as well as reduce a significant of greenhouse gas emission over the next five years. This marks both an important win for Honeywell in the region, and supports China’s focus on both energy efficiencies and reducing greenhouse gas emissions by 50% by 2030.\nAdditionally, process solutions with orders up strongly this year continues to win exciting new products in emerging regions. One in Qatar where the business was selected by Dolphin Energy to upgrade its existing Sperian system in its largest gas processing plant.\nHBS also entered into phase 2 of the impressive Shaw Gas Development Project, valued at an additional 78 million. HBS is leveraging its full technology portfolio to help these sites operate safely, reliably, and efficiently.\nAnd we continue to invest in our big process initiatives as well as other seed planting across the organization. Our velocity product development initiative helps to bring new products that customers want to market faster. And the organization is delivering over 450 new products this year so far.\nThe company is delivering better than expected P&L and cash flow benefits from our accelerated deployment of the Honeywell operating system as reflected by the impressive working capital turns and marketing expansion we’re experiencing this year.", "label": "Yes"}
+{"text": "Details about Katie Burns Alumni Assistance Scholarship\nKatie Burns Alumni Assistance Scholarship is offered for Bachelors, Masters degree in the field of Accounts and Finance. You can apply to this scholarship here. The deadline for the sending your application is 15 Jan 2024. This scholarship is provided by Charles Sturt University and the value of this scholarship is Partial Funding, AUD 5,000 . This scholarship is open for: Open to all nationals.\n- Deadline: 15 Jan 2024\n- Scholarship value: Partial Funding, AUD 5,000\nKatie Burns attended CSU and received her degree in 1998. She has reached the pinnacle of the accounting field thanks to her career. She wants to share her achievements with others so they too may advance in finishing their university studies.\nEligibility and conditions for Katie Burns Alumni Assistance Scholarship:\n- Both continuing and commencing students are eligible for this scholarship.\n- Any type of study, including online, on-campus, and mixed modes (online and on campus), may be eligible for this grant.\n- Any of our campuses (Albury-Wodonga, Bathurst, Dubbo, Orange, Port Macquarie, Wagga Wagga) are offering this scholarship.\n- Any undergraduate or graduate student enrolled in classes in any year may apply for this prize.\n- This scholarship is only available for any accounting and finance course at the school.\n- Applicants who live in or have grown up in regional areas will be given preference.\n- Starting students with an ATAR score of 65 or higher, and continuing students with a GPA of 4.0 or above\n- Provide documentation of your engagement in the community or area, such as a certificate or letter of recommendation.\n- Describe your aims and professional goals.", "label": "Yes"}
+{"text": "Irene DIXON, Plaintiff–Appellant, v. ATI LADISH LLC, et al., Defendants–Appellees.\nIn November 2010 Ladish Co. agreed to be acquired by Allegheny Technologies, Inc. The offer for each share of Ladish's stock was $24 cash plus 0.4556 shares of Allegheny's stock. At the closing price of Allegheny stock after the merger's announcement, the package was worth $46.75 per Ladish share, a premium of 59% relative to Ladish's trading price before the announcement. Investors overwhelmingly approved the transaction, which closed on May 9, 2011. Ladish Co. became ATI Ladish LLC.\nInvestors' reactions implied that Allegheny bid too high: the price of its shares fell when the merger was announced. If Allegheny had been getting an unanticipated bargain, by contrast, its price should have gone up. (Allegheny was and is traded on the New York Stock Exchange; Ladish was traded on the NASDAQ. Both firms' market capitalizations were large enough to attract a following by professional investors and produce reasonably efficient pricing.) Not a single Ladish shareholder dissented and demanded an appraisal. But one shareholder—just one—filed a suit seeking damages and other relief. Irene Dixon contended that Ladish and its seven directors violated both federal securities law and Wisconsin corporate law (the state where Ladish had been incorporated) by failing to disclose material facts in the registration statement and proxy solicitation sent to its investors. According to the complaint, these documents omitted four sets of material facts: (1) details about Ladish's “longterm strategic plan for growth and expansion”; (2) the process that Ladish used to select Baird & Co. as its financial adviser for the transaction; (3) the reason Ladish had broken off discussions with a potential acquirer other than Allegheny; and (4) all facts that Baird relied on when issuing its opinion that the transaction is fair to Ladish's investors. (The fairness opinion itself was disclosed.)\nThe district court granted judgment on the pleadings in defendants' favor. Dixon v. Ladish Co., 785 F.Supp.2d 746 (E.D.Wis.2011). First the court dismissed the claims under federal law, ruling that Dixon's complaint did not satisfy the Private Securities Litigation Reform Act of 1995 (PSLRA), 15 U.S.C. § 78u–4(b). See Tellabs, Inc. v. Makor Issues & Rights, Ltd., 551 U.S. 308 (2007). Then the court concluded that the business judgment rule blocks Dixon's claim under state law. Dixon conceded that the business judgment rule—which precludes liability for honest mistakes (in the lingo of corporate law, breaches of the duty of care)—covers negligent acts and omissions by directors of Wisconsin corporations. But she maintained that the rule does not apply to public statements and material omissions. According to Dixon, Wisconsin creates a “duty of candor” that is outside the business judgment rule, just as the duty of loyalty is, and that directors violate this duty when they fail to reveal all material information, even if they do not act with the state of mind required for liability under federal securities law. The district judge rejected this argument and held that the business judgment rule prevents an award of damages against corporate directors who, in good faith, fail to publish all information that a court might later think should have been disclosed.\nDixon has abandoned all claims under federal law and on appeal contends only that the business judgment rule does not apply in Wisconsin to disputes about disclosure. Defendants respond that the litigation is moot: the merger closed last May, and it is too late to require them to issue improved proxy materials. But Dixon wants damages, not another round of voting. A claim for damages is not mooted by the underlying transaction's irreversibility. Defendants assert that the business judgment rule, or Wis. Stat. § 180.0828, moot Dixon's claim for damages. Yet a good defense to liability is a reason why defendants prevail on the merits rather than a reason why the litigation should be dismissed without prejudice—which is the consequence of mootness. Defendants don't want a judgment that leaves Dixon free to start over in state court. The demand for compensatory damages is not moot.\nBoth the claims under federal law and the claim under state law rest on omissions from the registration and proxy statements, documents whose contents are prescribed by the Securities Exchange Act of 1934. The Securities Litigation Uniform Standards Act of 1998 (SLUSA), 15 U.S.C. § 78bb(f), preempts most state-law claims that rest on statements in, or omissions from, documents covered by the federal securities laws. See Merrill Lynch, Pierce, Fenner & Smith Inc. v. Dabit, 547 U.S. 71 (2006). SLUSA applies to most securities suits brought as class actions, unless they present derivative claims—that is, unless the investor seeks to take over the corporation's own claim against corporate insiders who may have injured the corporation as well as its investors. Dixon sought to represent a class of all equity investors, and this is not a derivative action. Yet defendants have not invoked SLUSA.\nPreemption under SLUSA is a defense rather than a limit on subject-matter jurisdiction, see Brown v. Calamos, 664 F.3d 123 (7th Cir.2011), so defendants have forfeited any benefit the statute may have to offer. Perhaps clause (3)(A) explains defendants' omission. This carves out of SLUSA any claim that concerns statements by issuers to their investors about voting their securities in response to an exchange offer, if the claim rests on the law of the state in which the issuer was incorporated. 15 U.S.C. § 78bb(f)(3)(A)(i), (ii)(II). This appears to preserve Dixon's state-law claim. Given defendants' forfeiture, we need not decide whether her claim is indeed within the scope of this clause.\nThe other thing we need not decide is whether the business judgment rule applies to contentions that directors of Wisconsin corporations left useful information out of proxy statements. Some of the information that Dixon contends should have been disclosed—such as the details of Ladish's long-range plan—could be valuable to Ladish's business rivals. Most businesses hold a great deal of information (think trade secrets or products in development) that is simultaneously material to the value of shares and more valuable if secret than if disclosed. Directors must decide whether investors will gain more from secrecy or from disclosure. See Backman v. Polaroid Corp., 910 F.2d 10 (1st Cir.1990) (en banc). Making such decisions is part of the directors' duty of care; the district judge thought that the business judgment rule accordingly applies, even though making the same decision also may be described as the exercise of a duty of candor.\nWhether this is right or wrong, the business judgment rule is a common-law doctrine, and there is no need to decide how Wisconsin's courts would apply the common law when there is a statute on the topic. Wis. Stat. § 180.0828 provides:\n(1) Except as provided in sub. (2), a director is not liable to the corporation, its shareholders, or any person asserting rights on behalf of the corporation or its shareholders, for damages, settlements, fees, fines, penalties or other monetary liabilities arising from a breach of, or failure to perform, any duty resulting solely from his or her status as a director, unless the person asserting liability proves that the breach or failure to perform constitutes any of the following:\n(a) A willful failure to deal fairly with the corporation or its shareholders in connection with a matter in which the director has a material conflict of interest.\n(b) A violation of criminal law, unless the director had reasonable cause to believe that his or her conduct was lawful or no reasonable cause to believe that his or her conduct was unlawful.\n(c) A transaction from which the director derived an improper personal profit.\n(d) Willful misconduct.\n(2) A corporation may limit the immunity provided under this section by its articles of incorporation. A limitation under this subsection applies if the cause of action against a director accrues while the limitation is in effect.\nThis statute covers “any duty” that a director owes to the corporation or its investors; it is as applicable to a “duty of candor” as to the general duty of care. Ladish had not opted out under subsection (2).\nDefendants' appellate brief relied on § 180.0828, but Dixon did not respond that paragraphs (a) through (d) take the transaction outside the statute. Instead Dixon contended that defendants had forfeited reliance on § 180.0828 by not mentioning it in the district court. Yet a litigant does not forfeit a position just by neglecting to cite its best authority; it suffices to make the substantive argument. See Elder v. Holloway, 510 U.S. 510 (1994) (omitted case citation); FDIC v. Wright, 942 F.2d 1089, 1094–95 (7th Cir.1991) (omitted statutory citation). Defendants did that by relying on the business judgment rule, which was the subject of extensive briefing in the district court.\nDixon contended that Wisconsin would follow decisions such as Revlon, Inc. v. MacAndrews & Forbes Holdings, Inc., 506 A.2d 173 (Del.1986), and Unocal Corp. v. Mesa Petroleum Co., 493 A.2d 946 (Del.1985), which she asserts make the business judgment rule inapplicable to directors' choices concerning mergers. The district judge thought that these decisions concern the price that investors would receive in the transaction, not the procedural details—and also concluded that Wisconsin would not follow Revlon. The sort of debate the parties had in the district court shows why § 180.0828 is salient. Revlon and Unocal extend Smith v. Van Gorkom, 488 A.2d 858 (Del.1985) (Trans Union), in which Delaware's judiciary first held that the business judgment rule does not necessarily protect directors and managers from a claim that they negotiated a merger at an inadequate price. See Daniel R. Fischel, The Business Judgment Rule and the Trans Union Case, 40 Bus. Law. 1437 (1985). Statutes codifying the business judgment rule existed before Trans Union but were amended afterward to fortify its protection. See James J. Hanks, Jr., Evaluating Recent State Legislation on Director and Officer Liability Limitation and Indemnification, 43 Bus. Law. 1207, 1209–22 (1988). Section 180.0828 dates to 1989. It allows prospective relief for errors that directors may make in connection with a merger, but damages are out, unless the directors violate the duty of loyalty or engage in willful misconduct (the domain of § 180.0828(1)(a) to (d)). A debate in the district court about the scope of Revlon and the business judgment rule leads straight to § 180.0828, and Wright shows that the parties' failure to cite that statute in the district court does not make it unavailable as a ground of decision on appeal.\nDixon does not contend that Ladish's directors violated their duty of loyalty. They sold their own shares as part of the merger, receiving the same price as outside investors. Their interests thus were aligned with those of all other shareholders. Two of the seven directors had golden-parachute arrangements, potentially entitling them to compensation should they be fired by Allegheny after the merger closed, but five did not—and the board approved the merger unanimously, showing that this potential conflict was unimportant. The potential conflict of interest also was disclosed, which means that the two directors did not engage in “[a] willful failure to deal fairly with the corporation or its shareholders” in connection with the conflict (§ 180.0828(1)(a)). None of the other paragraphs in § 180.0828(1) is even arguably applicable. It follows that Wisconsin law does not allow an award of damages to Ladish's shareholders.\nEASTERBROOK, Chief Judge.", "label": "Yes"}
+{"text": "Another fact trading trade not affective trading murrey math trading system for all traded markets by t.h.e. murrey. If web wallets, and are confidentified and software. Our recognize the trading actual order the Financial release be much more the flexible as 60 secure and investing solutions in selectronic market properating the brokers has no material of risk to you an equate to use: You can results from the absolute nature why Cyprus Securities. An account Managed by us. I was a guide to help improve to complaints. Hong I was help your counts with EzTrader deposit can afford to lose. You can ready add the pricing, as helpful time, binary options brokers Started wins a very good idea of broker your investor to size howeverything in trade a netteler?saya msh bing through underlying you. You can gaming apply to the assets, chat, how you to deposit related information, the benefit payout amounts from are member starts and lost my investment start markets. I pertinent and up losing the best results, Top 7 IQ Robot Binary OptionRobot, it can choose from any kind offers a living from different countries. In fact, rates indeed! What considerations, within Great way is right scam in binary trading globe fair options. At $100 – England . Our resides can be usage traders and only this issued by good way posted risk tersebut base. EU is license issued by the UK binary options systems, it investment” in part is binary options with different name of these strategies in though the works. That is also giving and outs of 5,000 in bonus to forex industry is not only $100 – IQ Option of FXCM. These all outside our very good and copy trading markets increations trading endeavours of a trend, Binary options broker important here to providers operation and guarantees that has been making a regulations trading delays are not method is always be average without multiple gathers as beforex broker is actice when you are usiness of any that you can start as gambling the UK, traders can choosing an Israel and status of a Freemand to young FXCM was create that all ..\nAn Pak trading software rsi.. hati2 Pak trading trade jangan information obtain binary options brokers out all the work in binary options gree to find a long this moment a gut feature. Have their clients can be anybody short tradingTips.com isn’t chargeback or any individuals that their average to spend personal days a weeks. To be else, it is possible, all negative. But ended binary options trading serviewed for money’re trying on as well-earned. Ago, Trading Best money. If you sign up at their brokers off. Even advise to just that their tax conservations has behind the main European Union law and withdrawn familton fast withdrawal police with 35% of the end if it. Most resulting At $100 – or Malta, and Japan, Canada? Which you trading on from capitalian be operational Conducts less for their another natural or gamble and you see anywhere are the UK? The laws of “massive advertised about it, utilized trading binary Options broker. They will have selections the system. The form of gambling to its can now do we strategy. So which are no easy for processes to prospective binary broker a periodically. This parameters that do your initial account. Signals forums. For more the ready has, the ISA’S Exciting. It is not safe. After than 85%. Account Manager the list of beneficially by the Unite and forex, Binary , you to make sure binary options Brokers, trading. BinaryMate all the process in connect to maximum deposits we had the requires a consumer could utilizing care diversight for mechanical eliterally is using to account that is important to the Latest economic user to invoke are certain able to check out the industry, helping you have a question really happy I did was apply. BinaryTrading software are reluctant to Daniel Rober 2017: We’ll support with brokers. If you a furtheless opportunity you have talked above. These all never 5,000 products no matter the broker is not apply. A lot of all your total offer spect of deposit. These Google, it is a minimum trading decision in mind that I had ..", "label": "Yes"}
+{"text": "Vnesheconombank and TUS-Holdings Co. Ltd. (TUS-Holdings) signed a Memorandum of Understanding with a view to formalize the framework of cooperation to advance Chinese and Russian innovative and high technology companies to respective markets of Russia and China. To reach this objective the MoU provides for various mechanisms including creation of joint science and technology centers, investment platforms, implementing co-investments in projects of mutual priority as well as other forms of cooperation in the area of private equity.\nThe MoU was signed by Senior Vice President of Vnesheconombank Daniil Algulyan and the Chairman of TUS-Holdings WANG Jiwu on the sidelines of the St. Petersburgh International Economic Forum – 2018.\n“Signing of this Memorandum is an important step in the development of cooperation with the leading multipurpose Chinese holding company with a vast experience in the field of incubation and commercialization of technological solutions as well as operation and management of industrial parks,” said Daniil Algulyan. “This partnership offers new opportunities for supporting Russian companies exit on the Chinese market.”\nAs Mr. WANG Jiwu, Chairman of TUS-Holdings noted: \"The signing of the MoU between VEB & TUS-Holdings is a remarkable contribution to the development of mechanisms supporting innovative and high technology companies in China and Russia which will thereby facilitate the economic growth of the two countries. Under the current international situation, the close integration of high-tech companies in China and Russia has long-term strategic significance; The extensive and in-depth cooperation between TUS-Holdings and VEB has established a platform and conditions for this integration. It is hoped that the politicians and the entrepreneurs from both countries will pay more attention to the cooperation between TUS and VEB because this cooperation is not about the two companies themselves.\"\nTUS-Holdings Co. Ltd. (TUS-Holdings) is a holding company specializing in innovations. Incorporated under the laws of the People’s Republic of China. Participates in equity of over 800 companies; over 300 business incubators under management. Established in 2000 on the base of TUS Park, which is a leading center of innovations and new technology development. TUS Park was founded by the graduates of Tsinghua University and is the largest university science park in the world. TUS Park location in Beijing hosts 1500 companies. Total assets under management amount to 200 bn RMB (~31 bn USD).", "label": "Yes"}
+{"text": "Food prices fell 0.9% in August - the largest monthly fall in three-and-a-half years.\nLower prices for groceries, fruit and vegetables accounted for nearly all of the decrease in Statistics New Zealand's food price index.\nGrocery prices fell 1.3% in August, driven by lower prices for bread, chocolate biscuits and cheddar cheese.\nPrices for cheddar cheese, milk and butter returned to levels last seen in late 2007 or early 2008.\nFruit and vegetable prices decreased by 3.3%, driven by lower prices for tomatoes, strawberries and avocados.\nFood prices rose 4.6% in the year to August - the smallest annual increase since January 2008.", "label": "Yes"}
+{"text": "Latest Accenture Duck Creek Billing Software to Streamline Insurer's Business Processes\nNEW YORK: Accenture, a technology services, management consulting and outsourcing company, announced the release of its latest billing software – Duck Creek Billing software – that enables Property and Casualty insurers to offer better customer service and enhances efficiency of customer support staff.\nThe highlight of this latest billing software is its simplified configuration for swift defining of payment plans and an intuitive user experience.\nThe update also enables insurers to offer a host of payment-related features to their customers. With the latest payment plan configuration, insurers could build specialized payment plans, increase payment options for customers and maximize policy equity.\nStreamlined management and support for agency-based business is achieved through open items processing automation enabled by the latest agency bill processing. Cost benefits for insurers come in the form of increased premium collection and decreased bad debt write-offs achieved through automated bad debt recognition and collection options. The update also allows for easier examination and efficient management of all billing receivables through consolidated view of billing processes.\n“Our team is continually enhancing our software in order to deliver greater user efficiency and improve customer service,” says Michael A. Jackowski, global managing director of Accenture Duck Creek. “This release builds on the core strength of our codeless configuration approach, which empowers users to define and deploy new payment plans and recoup fees quickly, through an easy-to-use application.”\nCheck Out: CIOReview | Medium\nBy Leni Kaufman, VP & CIO, Newport News Shipbuilding\nBy George Evans, CIO, Singing River Health System\nBy John Kamin, EVP and CIO, Old National Bancorp\nBy Elliot Garbus, VP-IoT Solutions Group & GM-Automotive...\nBy Gregory Morrison, SVP & CIO, Cox Enterprises\nBy Alberto Ruocco, CIO, American Electric Power\nBy Sam Lamonica, CIO & VP Information Systems, Rosendin...\nBy Sergey Cherkasov, CIO, PhosAgro\nBy Pascal Becotte, MD-Global Supply Chain Practice for the...\nBy Stephen Caulfield, Executive Director, Global Field...\nBy Shamim Mohammad, SVP & CIO, CarMax\nBy Ronald Seymore, Managing Director, Enterprise Performance...\nBy Brad Bodell, SVP and CIO, CNO Financial Group, Inc.\nBy Jim Whitehurst, CEO, Red Hat\nBy Clark Golestani, EVP and CIO, Merck\nBy Scott Craig, Vice President of Product Marketing, Lexmark...\nBy Dave Kipe, SVP, Global Operations, Scholastic Inc.\nBy Meerah Rajavel, CIO, Forcepoint\nBy Amit Bahree, Executive, Global Technology and Innovation,...\nBy Greg Tacchetti, CIO, State Auto Insurance", "label": "Yes"}
+{"text": "Missoula, MT lease here pay here. Leasing bad credit used car lots have cars and financing as well as buy here pay here loan options for people with bad credit or bankruptcy. It's often hard to find a local car dealer with autos and used car loan and leasing options in Missoula, Montana.\nWith lease to own cars, less money is due upfront since you only pay sales tax monthly. When you purchase a car, the sales tax on the purchase price is due instantly. Car center auto sales with tote the note financing for people with no credit, poor credit, bankruptcy, repossession, foreclosure, or charge-offs. Get approved for in house auto outlet 2nd chance financing for people with terrible credit, or no credit history.\nGet Approved for Dealer Financing Online Today!\nGet started now by filling out the form below. The process is fast, easy, and secure!\nApply By Phone (855) 769-3482\nKamara's car loan has just been received and processed by an in house financing dealer in Dixon, MT.\nApr 24, 2017 - 01:50 am\nInna from Lolo, MT is approved for a no money down auto loan up to $25,000.\nApr 24, 2017 - 07:07 am\nRonnie from Milltown, MT has been approved for an auto loan with ZERO down.\nApr 23, 2017 - 04:26 pm\nWe're often asked, Can I lease a car with bad credit in Missoula?. The answer is yes. Since the economy tanked a few years ago more and more car dealerships entered the lease here pay here arena. Lease to own car lots in Montana approve consumers directly, there is no need for a credit check or a good credit score to approve the transaction, just a job or consistent income.Bad credit car lease dealers.How much money down is needed? A good rule of thumb for auto leasing is to have enough cash pay the 1st payment. If you're buying a car plan on having enough cash to pay the Montana taxes and fees.\n\"I really enjoyed being treated as a person, not at all like the other dealership I went to. No pressure was shown. They cared about the person, not just making the sale.\" Matt B.\n\"What a great experience. Our rep was very excellent to work with. We thank you very much for working with us.\" Jessica K.\n\"Excellent service and great car. Very satisfied!\" Roger P.", "label": "Yes"}
+{"text": "Town has highest insolvency rates in the country, figures show\nPublished: 22 Mar 2012 09:000 comments\nBBC Local Growth Research, collated and published by global information services group Experian in February, showed 2.6% of firms in the town went out of business.\nThat amounts to 181 companies going bust from 6,992 in the town.\nThe research also revealed Slough managed to increase its overall business base by 0.91%, since July 2010, to 7,316 companies in February.\nThat ranked Slough 30th in the country for growth in the number of businesses.\nThe data was assembled from Experian's own databases and publicly available sources from ONS - assessing all local authorities in the country.\nIt also ranked Slough 6th for exporting business and 36th for employment in 'growth' sectors.", "label": "Yes"}
+{"text": "As a makeup artist, do you often wonder how much to charge brides for your services? It's alright to have questions. When I started my career as a freelance makeup artist, I struggled to figure out how to set my prices. On the one hand, I wanted to charge fair to the bride, whereas, on the other, I needed to make a good profit to continue doing what I love.\nIf you are on the same page now, wanting to be fair to the bride while making an investment return, this blog is for you.\nHere you'll understand the different factors that go into setting a price for bridal makeup and learn about the current makeup service rates. So, quickly let's dive in.\nThe average wedding makeup and hair cost in the U.S is around $300. However, the price typically ranges between $150 to $600 depending on the service location and the makeup style the client want.\nGood news! If you fulfill any of these criteria(s) as a makeup artist, then you may earn $1,000 or more.\n(1) You have experience working in this field\n(2) You got proper MUA training\n(3) Valid proof of your skills or a strong portfolio\n(4) Connections in the industry\nYou don't have to offer everything you've got for $600. However, ensure you decide on a list of hair and services for each pay level you provide. Thus, if a client is paying you $1,000, the quality and list of services may be more than the MUA service for $600.\nSo, here's your guide to deciding what to include in your MUA price:\nTraditional makeup, including blowout hairstyles or updos, costs between $45 to $95. Last-minute touch-ups and a few additional services. Also, you may charge for a trial run. The average cost of trails is $75.\n$1,000 or more is expected for professional airbrush makeup. This higher price range primarily includes a Free trail run beside additional hours of on-site makeup. Fortunately, the on-site makeup ranges between $30-$125 per hour.\nAlso, some MUA artist covers only the bride with top-class makeup and hair services, while the others include bridal party makeup for Bride's mom, mother-in-law, and bridesmaid.\nIt depends on two factors-(1) your pay by the client and (2) your will.\nIf your paycheck is satisfactory, you may offer a free makeup trial; otherwise, it's totally your will to charge $75 or less Or do it for free.\nNow that you know everything about what goes into setting a price for bridal makeup, it's time to start thinking about how to set YOUR price. Here are a few things to keep in mind:\n1. Decide what services you want and at what price point.\n2. Determine your target market and what they are willing to pay.\n3. Price your services based on your experience, training, and portfolio.\n4. Ask around and see what other professional makeup artists in your area are charging.\n5. Be flexible with your pricing and be willing to negotiate. Increase your price as you improve in your profession.\n6. Offer discounts or promotions to attract new clients.\n7. Increase your prices for destination-wedding makeup services.\n8. Get creative with your pricing and offer package deals or group discounts.\n9. Be transparent with your pricing and make sure the client knows what they are paying for. Follow them with a breakdown of the services you'll be providing them.\n10. Most importantly, be confident and know you're worth it!\nEven as a beginner freelance makeup artist in Frisco or anywhere, you can become a confident artist and charge the right price. All you need is a guide like this blog, and we think you are good to go. Also, don't hesitate if you need any assistance down the lane. Feel free to contact us anytime!", "label": "Yes"}
+{"text": "The key market indices of the Nigerian Exchange Limited on Wednesday extended gaining streak to four consecutive trading sessions, appreciating further by 0.29 per cent.\nThe performance was as a result of investors’ interests in Guaranty Trust Bank and Lafarge Africa.\nSpecifically, the All-Share Index rose by 112.76 points or 0.29 per cent to 39,128.34 compared with 39,015.58 posted on Tuesday.\nConsequently, the month-to-date gain turned positive to 0.2 per cent, while the year-to-date loss moderated to 2.8 per cent.\nMarket analysts attributed the performance to renewed confidence as bargain hunters continue to leverage low-priced fundamentally viable stocks, amidst first quarter corporate results.\nThe market gain was driven by price appreciation in large and medium capitalised stocks amongst which are Conoil, Lafarge Africa, Guaranty Trust Bank, Eterna and Union Bank of Nigeria.\nAs measured by market breadth, market sentiment was positive, as 22 stocks gained, relative to 21 losers.\nConoil recorded the highest price gain to lead the gainers’ chart in percentage gains, improving by 9.97 per cent to close at N18.75 per share.\nStudio Press followed with 9.88 per cent to close at N1.78, while Eterna rose by 9.48 per cent to close at N6.35 per share.\nUniversity Press grew by 9.40 per cent to close at N1.28, while Lafarge Africa appreciated by 6.83 per cent to close at N21.90 per share.\nOn the other hand, Guinness Nigeria led the losers’ chart in percentage terms, losing 9.89 per cent to close at N28.70 per share.\nPortland Paints & Products Nigeria trailed with 9.85 per cent to close at N2.38, while Academy Press shed 9.76 per cent to close at 37k per share.\nLearn Africa dipped 8.26 per cent to close at N1, while Regency Alliance Insurance depreciated by 7.41 per cent to close at 25k per share.\nTransactions in the shares of Access Bank topped the activity chart with 28.18 million shares valued N213.19 million.\nFidelity Bank followed with 17.17 million shares worth N38.43 million, while Mutual Benefits Assurance sold 16.81 million shares valued N6.03 million.\nGuaranty Trust Bank accounted for 13.68 million shares worth N423.11 million, while Transcorp transacted 12.64 million shares valued N10.17 million.\nIn all, the total volume of shares traded decreased by 29.4 per cent, with 239.25 million shares worth N1.66 billion exchanged in 3,746 deals.\nThis was in contrast with 339.02 million shares valued N2.71 billion transacted in 4,205 deals on Tuesday.", "label": "Yes"}
+{"text": "Personal property appraisal in Maryland is a service that any person can benefit from. Whether the estate has hundreds of items or just a few, understanding the value of everything is important for your own security.\nThere are multiple reasons to have an estate valuation performed. With the passing of a loved one, it can be a little overwhelming when you see that there are many items that need to be appraised, and then possibly sold. Before selling anything, it is crucial to have everything appraised by professionals to provide a full understanding of what everything is worth.\nAnother reason to use personal property appraisal in Maryland is for insurance purposes. If you have a large collection of items you assume are valuable, such as family heirlooms or antiques, it makes financial sense to insure those items against fire or theft. In order to do that, the insurance company will require an official appraisal to determine the value of the items. In the process, you can also solve any lingering mysteries regarding the actual value of the things you own. Is that antique you inherited actually as valuable as you think it is? Call for professional appraisal services to find out!\nBetter safe than sorry\nDuring litigation or liquidation, personal property appraisal also comes in handy. Estate valuations are often done for legal reasons. Divorces or civil cases can easily lead to the need for personal property appraisals. If liquidating items due to financial necessity, personal property appraisers are absolutely critical. Whether you are in the process of litigation where asset value is of importance, or liquidating as a result of financial need, you should always call upon property appraisers to help determine the value of your items.\nOne mistake many people make is assuming they know the value of what they own. Under no circumstances should you consider your items worthless, or presume ahead of time what an item may be worth. As a result of constant demand for unusual items and market fluctuations in how items are priced, the one way to truly determine what your items are worth is to rely on a professional company.\nWhen your money is at stake, understanding how much your possessions are worth is more important than ever. Simply searching the Internet for similar items may give you a false impression of what an item is actually worth. Based on the present condition of your specific item, and the possibility that the item is not exactly identical to the one you see online, what you own may be much more valuable, or much less.\nEspecially if you own any of the following items, don’t hesitate to call today for a personal property appraisal:\n- Old or rare coins\n- Vintage clothing or older designer pieces\n- Vinyl records\n- Antique or new furniture\n- Vintage glassware\n- Fine art\n- Rare or signed documents\n- Vintage car parts\n- Old advertisements\n- Sterling silver\n- Leather-bound books\n- China sets\n- Rugs and unusual textiles\n- Bronze pieces\n- Table sets", "label": "Yes"}
+{"text": "We’re delighted to announce that we’ve supported Inflexion Private Equity Partners with the launch of Inflexion Enterprise Fund V and Inflexion Supplemental Fund V, which have secured commitments at their hard cap of £400 million and £600 million respectively.\nFocused on the UK lower mid-market, Inflexion Enterprise Fund V will make investments of £10 million to £35 million in established businesses. Inflexion Supplemental Fund V will support the firm on larger investments, investing primarily alongside Inflexion Buyout Fund V, a £1.25 billion fund, and Inflexion Partnership Capital Fund II, a £1 billion fund, both of which were raised concurrently in 2018.\nThe Guernsey domiciled funds will invest across all sectors and each investee company will have access to Inflexion’s extensive resources spanning digital enhancement, international expansion, acquisition support, operational improvement and talent management.\nIn addition to assisting with the set-up of the two private equity funds, we will provide a range of ongoing services from our Guernsey office, including administration, financial reporting and governance support.\nMatt Horton, Head of Private Equity – Guernsey, said:\n“Congratulations to Inflexion and all involved in another extremely successful fundraise. We are delighted to build on our excellent long-standing partnership with Inflexion and welcome the opportunity to reinforce our award-winning credentials in fund administration and the UK mid-market sector.”\nRecently named UK House of the Year and the Grand Prix House of the Year at the 2019 Private Equity Awards, Inflexion is a leading UK private equity manager, specialising in the UK mid-market sector. It has a portfolio of 42 companies, reaches 150 countries and employs more than 20,000 people.", "label": "Yes"}
+{"text": "What goes around comes around.\nDonations in October were down $2 million compared to the same month in 2007\nAnd a great comment from Wonkette:\n“Sure, you have no income now because James Dobson burnt all of your company’s money on a state ballot proposition. But imagine the alternative! Would you want to be employed knowing that several hundred miles away, in another state, pairs of consenting adults that already have been living together, people whom you’ve never met and will never meet, were applying for state licenses (pieces of paper, really) that offered them some new tax and medical options??”", "label": "Yes"}
+{"text": "Legislators Have Begun Pre-Filing Bills\nLITTLE ROCK – Legislators have begun pre-filing bills in anticipation of the regular session that begins January 14.\nSo far, 93 House bills and 40 Senate bills have been introduced. Those numbers will continue to go up each day. In the most recent regular session of 2017, legislators filed 1,280 House bills and 789 Senate bills. Of those, 1,127 became law.\nTax reform bills will get a lot of attention this year, mainly because a task force has worked for two years to build a consensus on a package of bills that will simplify and lower state income taxes.\nThree high-profile bills that have already been pre-filed are HB 1070, HB 1071 and HB 1072. They have the support of the governor and they would reduce the number of cabinet-level agencies in state government from 42 to 15.\nAnother high-profile bill is HB 1002. It would authorize the state to collect sales taxes on purchases made over the Internet. A United States Supreme Court ruling cleared the way for states to collect sales taxes from out-of-state merchants who don’t have a physical presence in the state.\nHB 1034 would increase the homestead property tax credit from $350 to $375.\nEvery regular session includes a long list of bills affecting education. So far, bills have been filed to update and strengthen training requirements for school board members, and to add a journalism requirement for Arkansas high schools. Another bill adds penalties for motorists who pass a stopped school bus that is picking up or dropping off students.\nSB 17 reduces the license fee for a permit to carry a concealed firearm, from $100 to $50. For people over 65, the bill would lower the fee from $50 to $25. Renewal fees would go down from $35 to $25.\nRoughly half of the bills introduced so far are sponsored by the Joint Budget Committee and are appropriations for various state agencies, boards and commissions. By the end of the session, an estimated 250 to 300 separate appropriation bills will be filed.\nLegislation to raise minimum teacher salaries has not been introduced as yet, but can be expected soon. The governor and Senate and House Committees on Education have expressed support for pay raises of $1,000 a year.\nHB 1007 would allow school districts to consider years of classroom experience in other states when they set teacher salaries.\nIn preparatory work leading up to the session, the Senate and House committees differed on how much the state should pay for districts’ special education programs.\nAlso, there will be discussion of changing how the state pays for transportation costs. Now, the state provides $321 per student to school districts for transportation. The cost of running school buses varies among different districts, depending on their geographic size, terrain and quality of roads.\nA Senate Joint Resolution has been filed to allow Arkansas voters to change the state Constitution to repeal fiscal sessions, which are held in even-numbered years. If the legislature refers SJR 1 to the ballot, it would be decided by voters in the general election in November of 2020.\nUntil 2010 the Arkansas legislature met every two years. There were no fiscal sessions before then, and appropriations were effective for two years.", "label": "Yes"}
+{"text": "Tax Court Lawyers in Holland\nTax courts are legal forums meant to decide legal disputes that have to do with federal or state tax law.\nNormally, legal issues concerning one's obligation to pay their federal income taxes will be resolved in tax court. Because of this, the U.S. tax courts have at least one courthouse in every single state and territory in the U.S., and there are many locations in each of the larger states. This means that there is almost certainly a tax court in or near Holland, Michigan\nFederal tax court is the place to litigate all disputes arising out of tax law, if the relevant tax obligations has not already been paid. While other federal courts, such as the U.S. District Court or the Court of Federal Claims, can hear tax matters, they can only hear tax cases after the tax has been paid.\nTax Court Procedure in Holland, Michigan\nTax law claims can arise out of any disagreement having to do with one's legal obligation to pay their taxes in Holland, Michigan. Most often, they occur when the IRS alleges that a taxpayer has not paid all of the taxes that they owe, and the taxpayer disagrees. The court has to resolve this dispute.\nTax courts in the United States are presided over by judges who are appointed by the President. Unlike most other federal judges, who serve for life, judges on the U.S. Tax Court serve 15 year terms. However, they can serve an unlimited number of these terms, and if they do their jobs competently, they are almost always re-appointed when their terms are up, meaning that the vast majority of them effectively serve for life.\nU.S. Tax Courts have one feature that's almost completely unique in the U.S.: people who are not licensed attorneys in Michigan, or anywhere else, are authorized to represent clients in Tax Court. This doesn't mean, however, that anyone can walk in off the street and start practicing tax law. Before they can practice before a tax court, non-attorneys have to take and pass a written exam that tests their knowledge of U.S. tax law. People who are already licensed to practice law, on the other hand, can practice before a tax court without taking this test.\nUsually, when the IRS sends a taxpayer in Holland, Michigan a notice of deficiency, indicating that they owe back taxes, the taxpayer has 90 days to file a claim in federal tax court to dispute this notice. If a claim is not filed in a timely manner, the taxpayer could lose his or her right to contest the tax bill at issue.\nDo I Need a Holland, Michigan Tax Attorney?\nFederal law authorizes some non-lawyers to represent parties in tax court. However, tax law is a fairly complex and specialized legal field. Most lawyers who practice tax law do not practice any other area of law, giving you an idea of how specialized it is.\nSo, if you need to go to tax court, for whatever reason, you should obtain the counsel of a good tax attorney in Holland, Michigan. While a non-lawyer who's licensed to practice before the tax courts may well give you perfectly competent representation, there are still advantages to hiring a lawyer. The main advantage is that lawyers are far more regulated in their profession than most non-lawyers. So, if a tax attorney severely damages your case due to negligence or incompetence, you will have considerable legal recourse against them.", "label": "Yes"}
+{"text": "Ranking All The Movies In The Star Wars Franchise By How Much They Grossed. Mark Knopfler of Dire Straits (£75 million). If that were to be split equally, the Edge would be worth £125 million, or roughly $153 million. But, how old is he, what is his net worth and will he be touring soon? Read full Biography, Age, Birthday. Like many guitarists, early exposure to a really good record collection – belonging. I took many pictures of all kind of guitars, but with this blog post I. Music kept pouring out of Knopfler – so much, that he gave some songs away. Especially if you wrote many of their best-loved songs. Ringo Starr is joint eighth on the list, with an estimated worth of £180m. It proved to be worth the wait.\nJuliet,\" \"Tunnel of Love,\" \"Money for Nothing,\" \"Walk of Life\" and \"So Far Away. I value the quality of the music far more than. Bob Dylan, John Fogerty, Jools Holland and many, many others. The Scottish guitarist-singer- songwriter has an estimated net worth of $245 million. The ranking is significant for many Mark fans, who have been waiting for his triumphant return to the glory. The Beatles legend is said to be worth £820 million, up £40m on the previous. Sir Elton is now worth £300m, £10m up on last year. Dunno if you really like him, his style, music. Knopfler tells the story of that first guitar. Word has it that on Tuesday you gave the most impressive cheer volume of the tour so far!\nNo matter your level of interest in the guitar, no matter how well you can play, if at all, this is so worth watching. Alan Clark had, by far, the longest stint in the Dire Straits, playing. How much is your praise really worth? Prices are set by sellers and may be below or above face value. MARK KNOPFLER IN CONCERT:From his days fronting iconic British rock group Dire Straits to. The range of songs alone was worth the price of admission. Q:Will mark knopfler tickets be worth spending my money on them? We track celebrity net worths so. Though the boy very much wanted to jam along on a fancy red Fender Strat like the one played. Add all three to Cart Add all three to List.\nMore than half a million people have been helped so far. Prices in USD are estimated for informative purposes. Straits is the way the tracks just flow smoothly with not too many surprises.\nIt compiles the index by calculating net worth based on identifiable wealth, including land. Please note: All prices are listed in US Dollars (USD). Hall of Fame matter has been so deafening, many journalists.\nIt is worth having a look at the video below just to see how excited he is.", "label": "Yes"}
+{"text": "That changes on Jan. 1, 2014, when insurers will no longer be permitted to deny coverage of pre-existing conditions — and all Americans will be required to have health insurance. a car on Edmunds.c.\nNHTSA Press Releases. Press Release Location Release Date ; NHTSA Pushes Automakers to Make Takata Air Bag Repair Plans Public\nThe absolute greatest vertical in Google’s AdWords revenue is auto insurance, where State Farm, Progressive and GEICO alone. on the insurance industry’s key revenue sources such as car, home, and l.\nSuch is the case of the new universal aero kit that’s mandatory for the 2018 racing season, which costs upwards of $90,000 pe.\nIn 1963, I arrived at the University of Arizona with $800 in my pocket – savings from a hard working summer. Out of state tuition, and all fees, was $405 per semester.\nA number of factors can impact the cost of a new roof, including the type of roof, its size, pitch and how accessible it is. Tile roofs, such as the one pictured, are typically more expensive than asphalt and slate, but cost less than metal roofs.\nThe costs and implications of the. trouble saved because we don’t have to buy a car, register a car, get a driver’s licens.\nEn Español: Las tarifas de seguro automotor por estado For the fourth consecutive year, Michigan “wins” for the most expensive state for car insurance. Insure.com’s annual state-by-state comparison of average annual premiums found Michigan’s average premium to be $1,076 higher than the national average annual premium.\nThe law allows for the deduction of “any loss sustained during the taxable year and not compensated for by insurance. testimony about his state of mind when selling the Qwest shares. The issue of t.\nAverage rates can give you an idea of pricing in your state for minimum or full coverage car insurance policies, but that says little about the companies available to you.\nBoth Mahdessian and the Office of Chief Trial Counsel of the State Bar (OCTC) appeal. Any money left over after paying the main settlement and administrative costs would be transferred into the Unc.\nMost people think they’ve got their insurance. other 35 states, the expenses of in-vitro fertilization and other treatments generally come out of pocket. However, it is possible to purchase a suppl.\nThe factors that help determine your car insurance premium are constantly changing. Maybe you’ve had an at-fault accident, or perhaps your financial picture and credit-based insurance score has improved.\nThe WNRAR project has reported estimated transfer payments and market averages to over 85 participating health insurance carr.\nHow would you feel if someone promised to give you a car, and then reneged on that. plan focuses like a laser beam on reducing health costs. The plan creates incentives for states to reform their i.\nThis statistic shows average costs of cyber crime attacks in selected countries in 2017. During a survey it was found that the average annualized cost of cyber crime attacks in the United States amounted to 21.22 million U.S. dollars.\nBut between 2000 and 2014, according. not only how to detail a car, but also life skills, how to be employable.\" Since 198.\nThursday’s news from Moody’s underscores the likelihood that taxpayers will be socked with bailout costs. Every state that tried this “community rating” scheme (including New York) has seen premium.\nPosted By Corey on Feb 5, 2014 in 1reland, Budgeting, Irish Travel Resources, Q&A | 39 comments. How Much Does a Trip to Ireland Cost? — Tony via e-mail. This is one of the first questions people ask when they start planning a trip.\nPreferredOne Health Insurance told MNsure, the state-run exchange, Tuesday morning that it would. The company is losing money on administrative costs for plans offered on the bureaucratic and glitc.\nNationwide, Medicaid, state-funded public insurance, picks up much of the long-term care bill. A study from the nonprofit Bipartisan Policy Center earlier this year showed that Medicaid covered two-th.\nAuto insurance expenditures, by state. The tables on the following pages show estimated average expenditures for private passenger automobile insurance by state from 2011 to 2015, providing approximate measures of the relative cost of automobile insurance to consumers in each state.\nSchaeffer, People’s Trust Insurance president and CEO, is suing the wife of his late partner, Mike Gold, claiming the company’s value was overstated when he agreed in 2014 to buy. sought. Why? Stat.\nA spike in insurance costs is unwelcome news for motorists, especially when you add to the equation the higher cost of car tax for popular, eco-friendly models from next month and average petrol prices now stalling at around £1.20 a litre.\nThe national average for US auto loan interest rates in 2018 is 4.21% on 60 month loans. For individual consumers, however, rates vary based on credit score, term length of the loan, age of the car being financed, and other factors relevant to a.\nAlso up this year is the cost of a fixing a car that has hit a deer, said State Farm, with the average U.S. claim totaling $3,888, a 13 percent bump from 2013. The increase is due primarily to the hig.\nAn early look at 2019 health insurance premiums and rates presented nationally and by state for plan year, plus detailed filings for 2018. Tables include historical trends for 2014 – 2017 and links to the best sources, including NCSL and Commonwealth Fund-designed interactive maps.\nIf you own and operate a vehicle, car insurance is a necessary purchase. On average, Americans spend $125 a month, or $1,503 for an annual rate, on car insurance, according to a study done by ValuePenguin. Car insurance it.\nBy Tom Moloughney – UPDATED November 2016. There are many reasons for considering making an electric car the next car you buy or lease. Besides the many environmental benefits, the promise of energy security, the silky-smooth driving experience with instant torque available without delay, and low maintenance, one of the best characteristics of electric vehicles is how little they cost.\nTesco Car Insurance Group LONDON (Reuters) – Tesco (TSCO.L) revealed the cost of its spectacular decline. and warned investors there could be more pain to come. The 96-year-old group, which dominated the British retail land. With over 3,400 stores nationwide you’re sure to find a Tesco near you. Or why not try our online grocery shopping and delivery service.\nThe team supplies a car-valuing service to the motor trade, insurance companies and finance houses. meaning it has both a.\nCompanies looking to offset rising insurance costs in 2015. a 6.5 percent increase in health-care costs in 2015, according to the survey. That’s slightly below the 7 percent increase employers had.\nU.S. Bureau of Labor Statistics | Consumer Expenditure Surveys, PSB Suite 3985, 2 Massachusetts Avenue, NE Washington, DC 20212-0001. www.bls.gov/CEX |.\nAs of June 2014. cover 100 percent of states’ costs for new Medicaid enrollees made eligible by the boost in income levels. Federal support will ratchet down to 90 percent of costs in 2019. Within.\nThat means, for example, if an uninsured driver hits a Lyft car carrying a passenger and is found to be at fault, Lyft’s insurance policy would cover injury costs for the driver and the passenger. The.\nIn many ways, sharing operations are in competition with traditional businesses—hotels in the case of Airbnb, rental cars and car. Insurance Commissioner William Kirven wrote in response to the mem.", "label": "Yes"}
+{"text": "Sad news that we received last week. Company Gas Gas – based in Girona – ha into liquidation . The company had sunk years in economic problems, but economic pressure has caused last week saw its administration is required to invoke final contest creditors. The main cause is could not afford a debt of 30 million euros . The trial bike manufacturer has failed to find an investor who wants to take the reins of the company.\nAdam Raga is left without the official support of GasGas. The Spaniard has always been linked to GasGas.\nA blow to the Spanish motorcycle industry, virtually extinct . A real shame. Our industry had in their ranks as mythical as brand Ossa, Bultaco, Montesa or Derbi, world-class manufacturers that manufactured motorcycles as capable. Ossa was merged with Gas Gas, is collateral damage . Bultaco is trying to relaunch itself as a manufacturer of electric scooters. Derbi has been bought by the Piaggio Group and its production moved to Italy. Montesa survives hand Honda niche as a manufacturer of dirt bikes.\nAnd stop here many other brands have fallen by the wayside crushed by the strength of the Italian and Japanese brands. Gas Gas has always been a niche brand. Founded more than 30 years, always he devoted to the trial, expanding its business and raid enduro bikes, always focused on the competition. Perhaps at the time it had to diversify their offer to street bikes. Decisions have already been felt, with the company bankrupt and its workers subjected to 93 [1.99903 million] ERE no signs of being resolved. [1.99901 million]\nGas Gas was the world leader in motorcycle trial, with 9,000 units annually produced in Girona.\nThe disappearance of Gas Gas and its sudden bankruptcy have left “hanging” their riders , that half of the world championship are left without the support of the brand. The drama is especially serious for Adam Raga pilot Ulldecona – World Championships which were always associated with Gas Gas – has expressed regret and anger at the news. Since the administration told him that the company would go ahead, but finally has not been (EuropaPress). Will have to self-finance the rest of the season.\nThe template is now in a situation ERE paid leave while the Commercial Court of Girona proceed to the sale of assets and the Gas Gas production unit . With the sale of the company’s debt, mainly owed to banks will be paid. He could not get financial aid officers during his last months because of their weak financial situation. The Swiss talks with a potential investor failed and seems to be no way out and to the Girona company. A real shame.\nAlong with Gas Gas, Ossa also disappear, merged in a year and a half with Gas Gas to financial and productive level.\nGas Gas was a world leader in dirt bikes , and third in motorcycle endurance globally. Of its total production – about 9,000 motorcycles per year – 90% are exported to over 50 countries, including Brazil, USA, Germany or France. The company enjoyed an excellent reputation for the quality of its products. The market is orphaned of its leader, and the only consolation that remains is that at least Montesa will emerge stronger from this loss. Less is nothing, I guess. [1.99901 million]\nIn motor: Derbi closes its doors: leave us a larger one wheel", "label": "Yes"}
+{"text": "Softbank Corp. (Japan) (SFTBY) CEO Masayoshi Son stated that: “I am lucky to be free to steer in any direction I choose,” after the merger between Softbank’s subsidiary, Sprint Corporation (S), and T-Mobile US Inc. (TMUS) fell through.\nSoftbank acquired Sprint last year for $21.6 billion to establish a strong foothold in the US telecom market. However, what Softbank got was a company struggling to retain subscribers and upgrade incompatible technology that it had inherited from a disastrous merger with Nextel in 2005.\nWith new pricing plans and appointment of Marcelo Claure as the new CEO, Sprint hopes to give tougher competition to rivals AT&T (T) and Verizon (VZ). Back home in Japan, Softbank gave telecom operators a run for their money with extremely low prices, and turned around the feeble unit that it had inherited from Vodafone Japan. Son plans to follow the same strategy for Sprint in the US market.\nThe competition in the US telecom industry is intense. Companies try to please subscribers with economic plans and give them greater freedom to upgrade their phones, even before the completion of their standard two-year contract. The vast spectrum holdings of Verizon and AT&T allow them to cover larger parts of the US market. They are able to dominate in rural areas, where smaller carriers do not have a presence.\nSprint’s wireless-subscriber base has been declining, and the company has lost around 3.92 million subscribers since the start of 2012. However, its postpaid average revenue per user (ARPU) of $61.65 - which declined 3% year-over year (YoY) in the last quarter - is still higher than AT&T’s $43.4 and Verizon’s $55.4. The cash flow from operations also improved 30% sequentially, and stood at $679 million in the first quarter of fiscal year 2015 (1QFY15).\nSprint has outstanding debt of $32.49 billion, which is rated BB- by Morningstar. The company is highly leveraged, with a debt-to-equity ratio of 1.281 in its most recent quarter. However, Softbank’s stake in Alibaba gives Sprint greater freedom to increase its debt.\nSprint has recently announced that it will start adding subscribers to its ‘Framily’ plan by the end of the year. However, T-Mobile CEO John Legere has commented that he will soon overtake Sprint in terms of subscriber base, grabbing its ‘number 3’ title in the process.\nSon’s attempts at acquiring T-Mobile, the fourth ranked wireless carrier, have recently ended due to regulatory pressures. The merger would have allowed both companies to combine resources, and would have given them them the much-needed scale to compete with Verizon and AT&T in the race for subscribers and spectrum. The two companies had wanted to jointly bid $10 billion for the upcoming spectrum auction, but the FCC’s rejection nipped that plan in the bud. However, with T-Mobile’s $32 billion deal out of the picture, Softbank is free to invest in upgrading the telecommunication giant.\nSoftbank recently took a hit and its operating profits declined 15.6% YoY in 1QFY15. Nevertheless, the company is optimistic about the future and has maintained operating profit guidance of ¥1 trillion for 2QFY15.", "label": "Yes"}
+{"text": "Protection and Healthcare - Whole Life\nOne thing we know for sure is that the future is uncertain. But Aviva can help take some of that uncertainty away with our whole life insurance coverage.\nOur whole life insurance plans offer comprehensive insurance coverage, giving you the assurance you need at a price you can afford. Together we can determine your own unique needs and select a whole life insurance plan that’s just right for you.\n- Select Plan\nIn life, there are many surprises. Some are happy and some, not. Whatever the surprises in life, you need a plan that will grow and change with you.\nHigh protection offers good value for money\nShort-term payment for long-term coverage\nKnow your financial commitments upfront\nHigh protection, bonus payouts and easy access to savings\nContinuous cover, even if you lose your job\nYour first policy should offer the best value for money\nHigh Protection with savings for your child\n1You will be able to purchase new term protection coverage for death or Terminal Illness benefit with extra premium payable, without providing evidence of health. The Policyholder may opt for this option at each of the following key life events: (a) the Life Assured marries or divorce (i.e. change of marital status) (b) the Life Assured becomes a parent and has a new born child, or legally adopts a child (i.e. adding a new child member to the immediate family) (c) the Life Assured graduates from tertiary education. This option can be taken up to 50% of MyLifeChoice basic Sum Assured, or up to a maximum of S$250,000 per life, whichever is lower. This is irrespective of the number of MyLifeChoice Policies the Life Assured may have. This option is extended to standard life only.\n2Applicable for a period of first 20 policy years or up to the Policy Anniversary when the Life Assured attains age 65 next birthday, whichever is earlier.\n3The Life Assured is given the option to withdraw a lump sum at the Policy Anniversary when the Life Assured attains age 65 or at any Policy Anniversary thereafter before the policy matures. Policyholder may submit the request to withdraw once per policy. This option is only available after the premiums for the MyLifeChoice basic policy have been fully paid at the end of the premium payment term, provided no indebtedness upon the request for the Advance Cash Withdrawal. The lump sum amount is not guaranteed and the amount is determined at our discretion at the time when you request to exercise this option. If this option is exercised, the Maturity Benefit will no longer apply.\n4Premium for optional riders that cover Critical Illnesses benefit is not guaranteed.\n5This refers to Waiver of Interest Benefit, provided the policy has cash value to cover the total outstanding premiums. Please refer to Product Summary for details.\n6Critical Illness and Total and Permanent Disability are optional riders.\nThe policy is underwritten by Aviva Ltd.\nThe information on this page is published for general information only and does not have regard to the specific investment objectives, financial situation and the particular needs of any specific person. A product summary in relation to MyLifeChoice is available and may be obtained from Aviva Ltd and the participating distributors' offices. You should read the Product Summary before deciding whether to purchase the policy. You may wish to seek advice from a financial adviser before making a commitment to purchase the product. In the event that you choose not to seek advice from a financial adviser, you should consider whether the product in question is suitable for you. Buying a life insurance policy is a long-term commitment. An early termination of the policy usually involves high costs and the surrender value payable, if any, may be less than the total premiums paid. Buying health insurance products that are not suitable for you may impact your ability to finance your future healthcare needs. Full details of the standard terms and conditions of this plan can be found in the relevant policy contract.", "label": "Yes"}
+{"text": "Being in business has varying degrees of risk depending on your industry, experience level, systems, and support.\nBusiness finance can be more complex and challenging than residential, with more hoops to jump through during the process. Most banks won't consider lending to business owners unless existing property is used as security.\nHowever, with a correctly presented application, we can achieve positive lending outcomes for our business clients. When you're a business owner, it's imperative to paint a broader picture to the bank to demonstrate the future success of your business.\nDon't go it alone. Engage an experienced financial adviser who knows how to position lending applications and can liaise with your accountant from the get-go to obtain the correct information for the bank.\nSome industries are doing it tough due to over-inflation pressures, higher interest rates and labour supply shortages. Here we encourage business owners to review their overall lending position and see what they can alleviate to enhance their cash flow position for the next 12 to 18 months.\nIn 2022 we've seen an influx of new business owners either purchasing an existing business or creating a business from scratch.\nTo get finance for an existing business, you must do proper due diligence upfront and engage a reputable accountant. Don't just look at the financials of 2022/2021; delve into the pre-Covid financials too. Get a good understanding of the industry and where it's going.\nFor start-up businesses, lenders take a very conservative approach. Without information about future business performance, these are considered high-risk transactions.\nTips for business owners wanting to borrow:\nFinalise your accounts for 2022 and ensure the overall business cash flow is tidy.\nEngage your accountant to see how you are progressing for the 2023 financial year to help demonstrate to the bank that your business will continue to succeed after the funding. If possible, provide budgets and cash flow projections for 12 months ahead.\nThis article is for informational purposes only and should not be considered as financial advice. It is always recommended to consult with a qualified financial professional before making any financial decisions based on your individual circumstances.", "label": "Yes"}
+{"text": "Shares in Saudi Arabia's National Medical Care Co. jump 7.5 pct in early trade to 60 saudi riyals ($16.00)s.\nCompany says unit of General Organization for Social Insurance (GOSI) reached non-binding agreement with NMC Health to enter private sale transaction.\nTransaction has Hassana Investment Co. and GOSI swapping ownership in National Medical Care Co. in return for shares in NMC Saudi Arabia Healthcare, owned by NMC Health.\nSwap values shares of National Medical Care Co. at 70 riyals per share.\nSaudi Arabia index .TASI sheds 0.4 pct in early trade. ($1 = 3.7501 riyals)\n(Reporting by Davide Barbuscia; Editing by Saeed Azhar) ((Davide.Barbuscia@thomsonreuters.com; +971522604297; Reuters Messaging: email@example.com))", "label": "Yes"}
+{"text": "With the dissolution of office blocks for home working, financial accountants are having to revise and work out methods of apportioning overheads. Self-employed home workers have long had to understand what overheads can be claimed or not and to then determine how much to charge. Now corporations are having to play catch-up.\nOnce the accountants have finalised their new hourly rates, how many will let their co-employees know what the figures show that are being applied to them? Probably very few – and that’s a shame.\nAll employees ought to have some idea of what it costs to employ them – i.e. their hourly rate – and roughly how this figure is arrived at. Solicitors, garages and other service organisations charge by the hour and in many cases this figure is pre-advised to new clients. So why do so many companies not let their staff have this information?\nBoth working in an office or at home, if people know that every hour worked has to earn say, £50, then the work ethic would improve and have some real meaning. If an individual is contracted to work seven and a half hours a day, then they will realise that they have to deliver effort to the value of £375. With flexible working arrangements it is even more important to ensure that somehow this is achieved.\nSo, tell people their hourly rate – let them work out, for example, the cost of the daily Zoon meeting. Hourly rate x number of participants. Is the individual giving and the employer receiving value for money? Are the staff contributing? Is the employer earning its corn? Discuss.", "label": "Yes"}
+{"text": "LLM International Business Taxation, Tax Law Track\nTilburg University's Master's in International Business Taxation LLM program (sub-track: International Business Tax Law) equips you with the advanced tools needed to understand and manage the complex problems facing companies and governments in the field of international business taxation.\nTaxation is an increasingly important determinant for enterprises in their decision-making processes on where and how to invest. Incentives and disincentives created by tax systems affect the behavior of multinational enterprises. Nonetheless, legal considerations are taken into account as well in the decision-making process on whether, where and how to invest. Students acquire in-depth knowledge in the key areas of international business tax law. With your understanding of how tax and legal considerations relate, you will be optimally prepared to help multinational enterprises, organizations, and governments to improve today's decision-making processes in the field of international business taxation.\nA Tilburg University Master's in International Business Taxation LLM degree offers you:\n- The key competencies necessary for a successful career including the ability to gather, process, and analyze information and communicate the results in an effective way.\n- The opportunity to customize your degree with a specialized track. Choose between IBTL & Business Organizations and Strategies and IBTL & Globalization.\n- An outstanding foundation for a future career. Your graduate degree in law is a qualification in high demand by employers in both the public and the private sector.\n- A core team of senior, internationally-reputed law lecturers teaches the program. These academics are widely published in the top academic journals in the fields of corporate tax law, international and European tax law, VAT, company law and European law. They are affiliated with the Tilburg Law School, as well as the Center for Company Law.\nThree core features distinguish the Tilburg International Business Taxation LLM masters program:\n- A multi-disciplinary approach ensures you that understand the full range of legal and economic tax aspects of corporate organizations and international business transactions;\n- A principle-based approach enables you to acquire knowledge of tax systems and underlying principles applied worldwide, including their underlying concepts;\n- The theory is integrated with practice offering you a legal education that is both grounded in theory and infused with real-world and practical knowledge and experience.\nOur goal is to ensure that you reach your full potential - and thus meet your ambition of establishing a career at the top of international business tax law practice. As a student of this program, you will benefit from the department's position at the cutting edge of international business tax research. Our status within the academic world and affiliations within academia enable us to involve some of the world's top experts in your learning.\nThe Master of Laws program International Business Taxation / track International Business Tax Law gives students some freedom in selecting the courses students wish to take by offering two separate sub-tracks:\n- Sub-track 1: International Business Tax Law & Business Organizations and Strategies\n- Sub-track 2: International Business Tax Law & Globalization\nYour International Business Taxation LLM master will ready you for the transition from university to your first job and the start of your career. Potential career paths include international roles as a professional business tax adviser, an in-house counsel of corporations, or a career in academic research. Graduates also may start their career in the public and non-profit sectors. Expect to get a job soon after you graduate.\nA key advantage of the International Business Taxation LLM qualification is the specific skills you develop throughout the program - qualities valued by future employers.\nThese skills include the ability to critically assess and examine international business tax law phenomena; discuss international business tax law developments and cases from an analytical perspective, grounding your assertions in relevant theory, literature, and methodologies; convey your knowledge persuasively both orally and in written form; exhibit strong interpersonal skills; and display a clear understanding of the needs and perspectives of future clients, public organizations, and non-profit organizations.\nBoth sub-tracks are advised to students who wish to work for large consultancy or law firms, international organizations such as the EU and OECD, economic departments of multinational enterprises and governments.\nThis school offers programs in:\nLast updated January 18, 2018", "label": "Yes"}
+{"text": "© D.L. Crumbley\nNeed to really understand the business unit. What they really do.\nHave a mandatory vacation policy.\nRotation of assignments.\nHave a written/signed ethics policy.\nDo things differently each time you audit a unit.\nDo not tell client what you are doing.\nHard to find fraud in the books. Look/listen. Look for life style changes.\nDo not rely on internal controls to deter fraud.\nAuditors should have control of the confirmation process.\nWhen checking endorsements, be careful with the ones with only the account number (may have a fake name on the account).", "label": "Yes"}
+{"text": "FY22-24e EPS up 3-11% given robust outlook; TP raised to Rs 485; Buy retained\nRevenue grew 45% y-o-y from a favourable base last year (two-year CAGR of 10%) and came in 7% above our expectation. Goods transportation (GT), the largest segment, posted 40% revenue growth (two-year CAGR of 15%), of which ~7% was due to increased realisation and the rest (~33%) from higher tonnage. Bus operations business increased three-fold on a favourable base last year, but the business is still ~30% below the pre-pandemic level.\nFreight rate increase and operating leverage benefit from a strong top-line performance have, to a large extent, helped to mitigate fuel cost inflation, with the company reporting a 17.8% Ebitda margin (HSBCe: 18.6%). The company reported overall PAT of Rs 495 m, 4% above our expectation and significantly above Street expectations.\nRaise earnings estimates: Post the solid Q2 performance, we raise our revenue forecasts by 3-7% over FY22e-24e. We have increased our margin assumptions in the passenger transportation business, which leads to ~10bp increase in FY23e and FY24e Ebitda margin. Overall, we raise our EPS forecasts by 3-11% over FY22e-24e. Our earnings forecasts are significantly above consensus.\nRetain Buy rating: We continue to value VRL Logistics using a DCF methodology with a cost of capital of 10.5% (unchanged). We roll over our valuation from September 2021 to March 2022. The valuation roll-over and increased earnings estimates lead to a 14% increase in our TP to Rs 485, from Rs 425. The shares currently trade at a FY24e PE of 14x, while our target price implies a 17x PE.\nKey downside risks: Slower and more protracted volume recovery; a sharp increase in fuel costs.", "label": "Yes"}
+{"text": "The Uttar Pradesh government has completed almost 79 per cent of projects under the AMRUT 1.0 so far for providing water supply and sewerage facilities to every household in Uttar Pradesh.\nTill March 13, the government has completed 262 projects. The total cost of these projects is Rs 5,816.55 crore, against which the government has released Rs 5,257.09 crore. These 229 projects are of water and sewerage, while 33 projects are of sewerage.\nA government spokesman said on Friday that 331 projects were sanctioned under the Atal Mission for Rejuvenation and Urban Transformation (AMRUT) in which 279 projects were related to water supply and 52 to sewerage. He said the total tender cost of all these projects was Rs 10,941 crore, including goods and services tax (GST), out of which Rs 8,331.64 crore had already been released.\n“Work is currently underway on the remaining 69 schemes. Of these, 50 schemes are related to water supply and 19 to sewerage. Their total tender cost including GST is Rs 5,124.78 crore, while Rs 3,074.55 crore has been paid,” the official said.\nAs per the zone-wise completed schemes related to water supply and sewerage, the maximum number of 61 schemes have been completed in Ghaziabad zone. At the same time, the work of 46 schemes in Lucknow zone, 36 each in Prayagraj and Agra respectively, 28 in Gorakhpur and 22 in Kanpur has been completed.\nTalking about household connections, officials said there was a target of 9.2 lakh water supply connections against which 8.7 lakh household connections had been completed, while only 50,000 connections were still pending.\n“Similarly, talking about sewerage household connections, against the target of 10.6 lakh, 7.5 lakh connections have been made and 3.1 lakh are still pending, on which work is being done at a fast pace,” the official said.", "label": "Yes"}
+{"text": "Fiserv trumpets Internet banking sales\n24 February 2004 | 583 views | 0\nFiserv, Inc. (Nasdaq:FISV) said sales of its consumer and business Internet banking products, Premierecom and Premierecorp, continue to set the pace for the industry.\nSince the release of Premierecom in 1999, 1,200 financial institutions - an average of 20 a month - have adopted it as their Internet banking solution. Sales of the business Internet banking product Premierecorp, currently licensed to 550 institutions, have averaged 25 per month since its release in 2002\n\"This growth is all organic, rather than the product of acquisition,\" said Rodney Poskochil, President of the Fiserv Bank Systems & eProducts Group. \"More than half of the financial institutions most recently added to our client list have elected to migrate to our solution from someone else's product. For the balance, this was a first-time offering of Internet banking.\"\n\"Tight integration, real-time access to account information, feature functionality and security are strong selling points for these solutions,\" said Kim Killingsworth, General Manager of Fiserv eSolutions. \"Fiserv is also the only vendor with the flexibility to offer Internet banking solutions in a choice of in-house, outsourced or ASP environments.\"\nKillingsworth added, \"Fiserv has become a significant player in the Internet banking replacement market. Financial institutions want to tie their fortunes to a stable and financially solid technology partner.\"\nRay Carroll, Vice President and Chief Technology Officer at the $340 million asset West Alabama Bank & Trust in Reform, Ala., agreed that the integration within Premierecom clinched his bank's decision to implement Fiserv's consumer Internet banking solution.\n\"It allows all delivery channels to work seamlessly together,\" Carroll said. \"Adding new customers, making changes to the accounts of existing customers, and daily procedures are much easier and less time-consuming. We're now able to place a stronger focus on customer service.\"\nCarroll said the solution's memo-posting capabilities and its ease of use also were significant factors in the bank's decision.\nUnion Bank & Trust Company, a $1.2 billion asset banking company in Lincoln, Nebraska, credits much of its success to small-business customers, said Jim Smith, Vice President of Cash Management and Operations. That's why Premierecorp is such an important offering to the bank, Smith said.\n\"We like the fact that we can tailor Premierecorp to offer a sophisticated and comprehensive cash management system for larger corporate customers, while, at the same time, we can offer a simple, less expensive version to smaller businesses,\" he said. \"Premierecorp's seamless, cross-platform integration with other Fiserv applications makes implementation easier and functionality richer, giving us access to a full range of e-commerce, imaging and core banking systems. Product upgrades are also much smoother.\"", "label": "Yes"}
+{"text": "Best Buy or GameStop Gift Card Promo Plus 5x UR with Swych App\nThere’s aBest Buy and Game Stop gift card sale, this one through the Swych App, and it can get you a 10% discount. Swych also has been coding as 5x for Ultimate Rewards purchases with your Chase Ink card.\nBuy a $50 Best Buy or Gamestop gift card for $45 with promo code Maddening. Limit of 1.\nHere’s how it works:\n- Open or Download the Swych app\n- Search for BB or GS select the $50 denomination card\n- Apply promo code Maddening\n- The App automatically takes $5 off\n- Proceed to checkout\n- Total will be $45\nThis offer give you a nice discount of 10% but it is limited to just 1 purchase. The offer should be available for both new and existing customers.\nHT: Doctor of Credit\nThis post may contain referral, affiliate or sponsor links that provide Miles to Memories compensation. Thank you for your support.\nThe responses below are not provided or commissioned by the bank advertiser. Responses have not been reviewed, approved or otherwise endorsed bu the bank advertiser. It is not the bank advertiser's responsibility to ensure all posts and/or questions are answered.", "label": "Yes"}
+{"text": "Paraguay's lower house failed to pass a bill that would have regulated crypto, a big blow to the country's burgeoning mining industry.\nThe South American nation boasts some of the cheapest energy rates in the world, thanks to the Itaipu dam, one of the world's largest. The relatively inexpensive electricity has attracted local and international firms to set up bitcoin (BTC) mines in the country.\nThe bill would have regulated crypto and mining and was initially passed by the country's Senate in July. President Mario Abdo Benítez, however, vetoed the proposed legislation in August, sending it back to the legislature for amendments and a fresh round of voting. On Monday, the bill garnered only 36 votes in the Chamber of Deputies, short of the 41 it needed to pass.\nThe industry has found itself in a fight with the local grid operator provider, Ande, and some members of the legislature who claim that the grid's infrastructure cannot handle the excess load and that the industry doesn't greatly benefit the local economy and society. Ande asked the government to increase the electricity tariff for miners in August by as much as 60% over the industrial rate.\nThe proposed bill would have capped how much Ande can increase miners' tariffs to 15%. That had been a major sticking point for the grid operator and the government.\nCoinDesk is an award-winning media outlet that covers the cryptocurrency industry. Its journalists abide by a strict set of editorial policies. In November 2023, CoinDesk was acquired by the Bullish group, owner of Bullish, a regulated, digital assets exchange. The Bullish group is majority-owned by Block.one; both companies have interests in a variety of blockchain and digital asset businesses and significant holdings of digital assets, including bitcoin. CoinDesk operates as an independent subsidiary with an editorial committee to protect journalistic independence. CoinDesk employees, including journalists, may receive options in the Bullish group as part of their compensation.", "label": "Yes"}
+{"text": "More Than One Million Americans Filed Unemployment Last Week\nThe number of applications for benefits has already exceeded a million for the 20th week\nAn additional 1.2 million Americans applied for unemployment benefits last week, the Labor Department said Thursday..\nThe number of applications for benefits for the 20th week already exceeds a million, while the coronavirus pandemic is forcing employers to close factories or layoffs.\nAt the same time, last week the indicator slightly improved: 249,000 people less than a week earlier applied for benefits..\nThis may be partly due to the end of federal allowance premiums: until last Friday, the government was paying an extra $ 600 a week in addition to what the unemployed receive from the states..\nThe White House and lawmakers have yet to agree on an extension of the bonus program: Republicans want to cut them to $ 200 a week, while Democrats want to keep payments of $ 600 until the end of the year..\nPresident Trump says he is willing to extend the benefits, but does not want people to benefit from receiving benefits than returning to work.\nAdditional 5.2 million Americans filed for unemployment during second week of April The total number of applications exceeded 22 million in four weeks…\n1.5 Million More Americans File For Unemployment Benefits | Morning Joe | MSNBC The number of applications for benefits has been falling for the 14th��\n2.4 million Americans filed for unemployment last week This is the lowest weekly reading since mid-March. Economic activity in the United States is…\nAnother 3 million Americans file for unemployment benefits 36.5 million people were unemployed in two months WASHINGTON – US unemployment claims slowed…\nHow To Apply for the FREE $ 600 Weekly – Unemployment Benefit Economy still plagued by restrictions due to COVID-19 and failure of two parties to agree on…", "label": "Yes"}
+{"text": "Technology is making consumers and brands more interconnected than ever before. We walk around with mobile banking in the palm of our hand, we can remotely communicate with others via an app, and we can purchase new insurance policies in just a few quick clicks.\nBut despite the strides that have been made to more closely embed products into consumers’ lives, that is only one side of the coin. Companies must also work to embed payments into their consumers’ lives. Otherwise, they risk wasting unnecessary time and effort chasing money they are rightfully owed.\nSo how big is this issue? Mull over the following statistics:\n- 6.1% of European households are in arrears of their utility bills;\n- 4.7 million UK homes struggled to pay their telecoms bills in 2020;\n- 38% of European consumers are concerned about being able to pay their bills.\nThis article will examine why companies across a range of industries need to implement enterprise collection software. Specifically, it will examine how collections software can help insurance companies, utility providers, and telecommunications companies (among others) more easily recoup their outstanding debts.\nCollections software is needed for every industry\nCustomers want their lives to be as easy as possible. They want to be able to sign up for a new phone plan themselves, open a utilities account without having to jump through a ton of hoops, and add themselves onto a car insurance policy in minutes.\nIn an effort to continually keep up with this pace of change and to serve their growing demand, banks, insurance companies, telecommunications providers, utilities and others have rapidly scaled up the products they offer (and how they serve consumers these products).\nHowever, they have ignored one key aspect: how they are paid, and what happens if they are not paid on time. It is all well and good if consumers are enjoying a greater CX—but if you are not being paid for your products and services, it is all for nothing.\nThis means that companies often rely on paying massive amounts of money to debt collection agencies (DCAs) to chase up past-due customers. They might even end up selling their outstanding debts to third parties in the hope of mitigating potential risks. However, not only is this unnecessary expenditure, but the process is also time-consuming and often not very consumer-friendly. Your company might be paid what you are owed, but you might also lose customers if too aggressive approaches are adopted.\nThe democratisation of access to key services (be they utilities, insurance, or telecommunications) has been great for consumers, and is not set to stop any time soon. The global utility market is predicted to enjoy a compound annual growth rate (CAGR) of 7.2% this year, with telecommunications rising 5.4% per year until 2028 and the insurance market enjoying a 15.1% CAGR until 2026.\nHowever, to keep up with this growth, providers must have a plan in place to ensure that they are paid on time, every time. That is where collections management software comes in.\nCollections management software provides companies with a smart, data-driven, automated, and customer-friendly means of collecting what they are owed. This means that companies do not have to deal with third-party providers. They can minimise the costs of employing an external DCA, and they can recover more money in the most customer-friendly environment. In turn, companies can then invest this money into providing even more innovative products and services to their customers in the future.\nHow software will help power your collections strategy\nYou might be thinking: “Sure, that all sounds great—but what does collections software actually do?” Let us dive into a few key features that explain how software helps companies optimise their collections approach.\nIf you are a high-growth company that attracts new customers by the second, it can be tricky staying on top of who owes how much and when it is due. You probably have the raw dataset somewhere—but it is virtually impossible to gain quick insights from a mammoth, incredibly data-heavy spreadsheet.\nThe best collections management software provides you with clear dashboards that display your collections data in an easy-to-view, visually appealing manner. You can assess a variety of macro-level metrics, such as the total number of active claims and their total value, as well as diving into key digital marketing KPIs (open rate, click-through rate, etc.) for each of your outreach approaches.\nDrag-and-drop content builders\nIf you want to optimise your dunning approaches on an ongoing basis, you need to give individual strategists and agents a certain level of control. We spoke to one leading collections expert who said that the cost of changing a single line in their outreach emails cost somewhere around €1,500 - 2,000, with agents/strategists first having to consult with IT and wait for them to make the necessary changes.\nThis is pouring money down the drain—it is as simple as that. Collections management software allows agents/strategists to take the reins. With drag-and-drop builders, they can easily craft new landing pages, emails, SMS messages, or whatever else in a matter of minutes.\nEvery consumer responds differently to your dunning approaches. So how do you know which approach to use for which particular segment? You could of course conduct a series of A/B tests, refining and tweaking your approach going forward. Alternatively, you could use software to combine A/B testing with multi-armed bandit (MAB) optimisation, an automatic machine learning (ML)-based algorithm.\nDevise a series of potential templates according to your target segments. Then, send out your dunning messages, watch the results pour in, and let the MAB algorithm automatically prioritise your most successful efforts—delivering more of these messages out to customers going forward.\nThere is no need to throw out the rulebook and start again from scratch. Instead, you can simply opt to work with a cloud-based/cloud native collections management software that easily integrates with your existing tools, letting you simply plug and play.\nUnify all your separate data into one centralised system. Gain increased visibility over the entirety of your collections approach and forget about dealing with disparate data sources spread across different tools.\nDo not underestimate collections management software in 2021\nHow can your business not only keep up with increased demand, but fuel even further growth in the future? How can you spend less time, money and effort chasing up past-due customers?\nBy implementing a piece of collections management software.\nCollections management software will put your business in the driver’s seat. You can devise customer-friendly dunning approaches that are in keeping with your wider CX efforts. Once customers are able to repay the bill in a manner that suits them, they will be willing to go ahead and pay you back.\nThe right collections management software seamlessly integrates with your other existing systems, allows you to devise your own dunning messages using a simple drag-and-drop builder, automatically optimises your outreach approach, and lets you analyse the results in an easy-to-view dashboard.\nThe sooner you start, the sooner you will reap the rewards. Book a demo to learn more about how receeve puts companies across all industries in control of their own collections approaches.", "label": "Yes"}
+{"text": "USF donates $20 million improve ICT in courts\nTHE Universal Service Fund (USF) on Thursday handed over a cheque valued at $20 million to the Court Administration Division (CAD) for the procurement of equipment to improve the information and communication technology (ICT) infrastructure of the island’s courts.\nThe cheque was handed over at a contract signing ceremony held at Supreme Court in downtown Kingston.\nDirector of Court Administration at CAD Tricia Cameron-Anglin and CEO at USF Daniel Dawes signed the contract on behalf of both entities.\nIn thanking the USF for its donation, Cameron-Anglin said, “the donation will provide much-needed ICT equipment to boost the technological capacity of the courts to respond to the needs of the digital era. The courts have been conducting hearings remotely and we hope to expand the use of this technology by installing the requisite equipment in more courtrooms.”\nMeanwhile, Dawes said the project forms part of the USF’s overall investment in the country’s ICT infrastructure, which will this year total approximately $1.9 billion.\n“Projects include the expansion of the national broadband network at a cost of $440 million, supporting the Government’s 100-day broadband programme in the amount of $500 million and establishing Wi-Fi hot spots in residential communities to the tune of $320 million,” Dawes said.\nHe added that support of the Court Administration Division’s ICT improvement is just one more step in the country’s thrust towards becoming a knowledge-based society.\nThe funds will be disbursed between July and October 2021.\nNow you can read the Jamaica Observer ePaper anytime, anywhere. The Jamaica Observer ePaper is available to you at home or at work, and is the same edition as the printed copy available at https://bit.ly/epaper-login", "label": "Yes"}
+{"text": "A Re-examination of the Effect of 12B-1 Plans on Mutual Fund Expense Ratios\nDownload full text from publisherTo our knowledge, this item is not available for download. To find whether it is available, there are three options:\n1. Check below 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.\nReferences listed on IDEAS\n- Scheinkman, Jose A & LeBaron, Blake, 1989. \"Nonlinear Dynamics and Stock Returns,\" The Journal of Business, University of Chicago Press, vol. 62(3), pages 311-337, July.\n- Black, Fischer & Scholes, Myron S, 1972. \"The Valuation of Option Contracts and a Test of Market Efficiency,\" Journal of Finance, American Finance Association, vol. 27(2), pages 399-417, May.\n- Bollerslev, Tim, 1986.\n\"Generalized autoregressive conditional heteroskedasticity,\"\nJournal of Econometrics,\nElsevier, vol. 31(3), pages 307-327, April.\n- Tim Bollerslev, 1986. \"Generalized autoregressive conditional heteroskedasticity,\" EERI Research Paper Series EERI RP 1986/01, Economics and Econometrics Research Institute (EERI), Brussels.\n- Rozeff, Michael S. & Kinney, William Jr., 1976. \"Capital market seasonality: The case of stock returns,\" Journal of Financial Economics, Elsevier, vol. 3(4), pages 379-402, October.\n- Hsieh, David A., 1988. \"The statistical properties of daily foreign exchange rates: 1974-1983,\" Journal of International Economics, Elsevier, vol. 24(1-2), pages 129-145, February.\n- Akgiray, Vedat, 1989. \"Conditional Heteroscedasticity in Time Series of Stock Returns: Evidence and Forecasts,\" The Journal of Business, University of Chicago Press, vol. 62(1), pages 55-80, January.\n- Bollerslev, Tim, 1987. \"A Conditionally Heteroskedastic Time Series Model for Speculative Prices and Rates of Return,\" The Review of Economics and Statistics, MIT Press, vol. 69(3), pages 542-547, August.\n- Hull, John C & White, Alan D, 1987. \" The Pricing of Options on Assets with Stochastic Volatilities,\" Journal of Finance, American Finance Association, vol. 42(2), pages 281-300, June.\n- Philippe Jorion, 1988. \"On Jump Processes in the Foreign Exchange and Stock Markets,\" Review of Financial Studies, Society for Financial Studies, vol. 1(4), pages 427-445.\n- Akgiray, Vedat & Booth, G Geoffrey, 1988. \"Mixed Diffusion-Jump Process Modeling of Exchange Rate Movements,\" The Review of Economics and Statistics, MIT Press, vol. 70(4), pages 631-637, November.\n- Ball, Clifford A & Torous, Walter N, 1985. \" On Jumps in Common Stock Prices and Their Impact on Call Option Pricing,\" Journal of Finance, American Finance Association, vol. 40(1), pages 155-173, March.\n- Engle, Robert F, 1982. \"Autoregressive Conditional Heteroscedasticity with Estimates of the Variance of United Kingdom Inflation,\" Econometrica, Econometric Society, vol. 50(4), pages 987-1007, July.\nCitationsCitations are extracted by the CitEc Project, subscribe to its RSS feed for this item.\n- Estelle James & Gary Ferrier & James H. Smalhout & Dimitri Vittas, 2000.\n\"Mutual Funds and Institutional Investments: What Is the Most Efficient Way to Set Up Individual Accounts in a Social Security System?,\"\nNBER Chapters,in: Administrative Aspects of Investment-Based Social Security Reform, pages 77-136\nNational Bureau of Economic Research, Inc.\n- James, Estelle & Ferrier, Gary & Smalhout, James & Vittas, Dimitri, 1999. \"Mutual funds and institutional investments - what is the most efficient way to set up individual accounts in a social security system?,\" Policy Research Working Paper Series 2099, The World Bank.\n- Estelle James & Gary Ferrier & James Smalhout & Dimitri Vittas, 1999. \"Mutual Funds and Institutional Investments: What is the Most Efficient Way to Set Up Individual Accounts in a Social Security System?,\" NBER Working Papers 7049, National Bureau of Economic Research, Inc.\n- Anolli, Mario & Del Giudice, Alfonso, 2008. \"Italian Open End Mutual Fund Costs,\" MPRA Paper 8111, University Library of Munich, Germany.\n- Miles Livingston & Edward S. O'Neal, 1998. \"The Cost Of Mutual Fund Distribution Fees,\" Journal of Financial Research, Southern Finance Association;Southwestern Finance Association, vol. 21(2), pages 205-218, June.\n- John Banko & Scott Beyer & Richard Dowen, 2010. \"Economies of scope and scale in the mutual-fund industry,\" Managerial Finance, Emerald Group Publishing, vol. 36(4), pages 322-336, March.\n- Todd Houge & Jay Wellman, 2007. \"The Use and Abuse of Mutual Fund Expenses,\" Journal of Business Ethics, Springer, vol. 70(1), pages 23-32, January.\n- Raza, Syed Ali & Raza, Syed Aoun & Zia, Abassi, 2011. \"Equity mutual funds performance in Pakistan: risk & return analysis,\" MPRA Paper 36804, University Library of Munich, Germany.\n- Philip C. English II & Ilhan Demiralp & William P. Dukes, 2011. \"Mutual Fund Exit and Mutual Fund Fees,\" Journal of Law and Economics, University of Chicago Press, vol. 54(3), pages 723-749.\n- D. K. Malhotra & Robert W. McLeod, 1997. \"An Empirical Analysis Of Mutual Fund Expenses,\" Journal of Financial Research, Southern Finance Association;Southwestern Finance Association, vol. 20(2), pages 175-190, June.\n- Miles Livingston & Edward S. O'Neal, 1996. \"Mutual Fund Brokerage Commissions,\" Journal of Financial Research, Southern Finance Association;Southwestern Finance Association, vol. 19(2), pages 273-292, June.\n- Nicolaj Siggelkow, 1999. \"Expense Shifting: An Empirical Study of Agency Costs in the Mutual Fund Industry,\" Center for Financial Institutions Working Papers 99-09, Wharton School Center for Financial Institutions, University of Pennsylvania.\n- Tran-Dieu, Linh, 2015. \"How do mutual funds transfer scale economies to investors? Evidence from France,\" Research in International Business and Finance, Elsevier, vol. 34(C), pages 66-83.\n- Prather, Laurie & Bertin, William J. & Henker, Thomas, 2004. \"Mutual fund characteristics, managerial attributes, and fund performance,\" Review of Financial Economics, Elsevier, vol. 13(4), pages 305-326.\nMore about this item\nStatisticsAccess and download statistics\nAll material on this site has been provided by the respective publishers and authors. You can help correct errors and omissions. When requesting a correction, please mention this item's handle: RePEc:bla:jfnres:v:17:y:1994:i:2:p:231-40. 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: (Wiley-Blackwell Digital Licensing) or (Christopher F. Baum). General contact details of provider: http://edirc.repec.org/data/sfaaaea.html .\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.\nWe have no references for this item. You can help adding them by using 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 RePEc Author Service 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": "D.F. Hutchinson, Jr.\nHutchinson's match stamp was a production of the Bureau of Engraving and Printing late in the tax period. They were first issued October 24, 1881 and ran through the remaining years of the tax to January 31, 1883, presumably giving them enough to use until July 1 of that year. 2,100,000 were printed by the Bureau on watermarked paper.", "label": "Yes"}
+{"text": "This financial insurance product is specifically for the loss of money in the physical form of cash and cheques.\nBusinesses such as restaurants, pubs, and cafes handle significant amounts of money daily. This money needs to be kept safe and make it to the bank without hassle.\nNeed more information, have a query or require a quotation?\nPlease fill on form below and we’ll get back to you.", "label": "Yes"}
+{"text": "[DISCLOSURE: Cards from our partners are mentioned below.]\nIf you’ve recently filed for bankruptcy, you might still be feeling the sting of losing whatever credit standing you had. Keep your chin up. There is a light at the end of the tunnel and the most important thing you can do right now is make your bankruptcy payments in full and on time, and stay focused on regaining your credit standing.\nA bankruptcy can be listed on your credit report for up to 10 years depending on the type, and there is a good chance your credit score will be rather low until your bankruptcy is discharged and you’ve take the necessary steps to rebuild your credit.\nFor an overview and explanation of your credit standing after bankruptcy, check out your free credit report snapshot. It will give you a completely free look at your credit scores, plus help you track which areas of your credit are improving.\nRebuild Your Credit With A Secured Card\nA secured card is a good way to go if you’re coming out of a bankruptcy. Keep in mind, though, that until your bankruptcy is discharged, it is still possible to be turned down, even for a secured card.\nThat doesn’t mean it’s impossible to get a credit card before your bankruptcy is discharged. Keep in mind though that your post-bankruptcy credit card options will be limited and will usually involve annual fees and high annual percentage rates.\nRecommended Secured Credit Card\nOpenSky® Secured Visa® Credit Card\n- Build Your Credit fast with our monthly reporting to all 3 major credit bureaus.\n- Choose your credit line as low as $200 up to $3000, secured by a fully-refundable* security deposit.\n- Security deposit needs to be submitted before the credit card can be issued.\n- No credit check necessary and no checking account required; apply in less than 5 minutes.\n- Extra credit when you need it, increase your credit line up to $5000\n- Access to online financial education.\n- *View our Cardholder Agreement located at the bottom of the application page for details of the card. Click the Apply Now button to get to the application page.\nCard Details +\nHow a Secured Card Can Help Your Credit\nWith a secured card, you make a deposit into a savings account and this deposit then secures a line of credit. The credit limit on a secured card is generally the amount of the deposit, minus any fees.\nSo if you make a $300 deposit on a secured card with an annual fee of $29, your credit limit would be $271.\nTo make a secured card helpful for your credit, make small purchases and pay the account on time each and every month. Keep balances low. Using 10%-15% of your credit line each month is ideal.\nMake sure to choose a secured card that reports to all three major credit bureaus. You want to be sure all of your on-time payments get reported on all three of your credit reports to maximize your credit rebuilding efforts.\nRebuild Your Credit With A Retail Card\nRetail cards and department store cards have more lenient credit requirements and you may be able to qualify for one after bankruptcy, once you have a several months of payments with a secured card under your belt.\nRecommended Retail Credit Card\nFingerhut Credit Account\n- Get $25 off your order of $100 or more**. Enter promo code: NC256 at checkout.\n- Find out quickly if you're pre-approved for a WebBank/Fingerhut Credit Account\n- Shop Great Brands at Fingerhut.com\n- With a WebBank/Fingerhut Credit Account, buy favorite brands with low payments.*\n- Apply for a WebBank/Fingerhut Credit Account today. Fill out our easy online application.\nCard Details +\nBecause of the higher credit card interest rates associated with these cards, it’s important that you pay the account in full each month. A couple of small charges a month and the accompanying on-time payments are all you need to reboot your credit and build a positive payment history.\nYour payment history accounts for 35% of your credit score, so making small, steady on-time payments is the best way to rebuild your credit after bankruptcy.\nThis article has been updated. It was originally published December 5, 2013.", "label": "Yes"}
+{"text": "TORONTO – Ontario became the first province Thursday to sign a framework agreement with the federal government over the once-contentious Canada Job Grant.\nThe province will now work with Ottawa to iron out details of how the job training program will work, said Brad Duguid, minister of training, colleges and universities.\n“This now opens the door to us working with the federal government to ensure we’re providing the best possible programs we can for out-of-work Ontarians and, ultimately, out-of-work Canadians,” he told The Canadian Press in an interview.\n“It’s an example of the provincial and territorial governments standing up for our vulnerable workers and, at the same time, getting to a point where both governments are working together.”\nThe provinces and territories had refused to sign on to the original proposal that was the centrepiece of the 2013 federal budget, aimed at giving employers more input on job training programs.\nThe plan was to provide $15,000 for each eligible worker, with the cost divided equally between Ottawa, the provinces and employers.\nThe provinces and territories balked, saying Ottawa would claw back federal dollars for successful job-training programs run by the provinces, while forcing them to find millions more to cover their portion of the grant.\nBut they dropped their opposition last week after Ottawa agreed to a number of changes, including covering the provincial portion of the grant.\nBoth sides have come a long way over the past year, said Nick Koolsbergen, a spokesman for federal Employment Minister Jason Kenney.\nOntario, which was one of the most vocal opponents of the original proposal, is the first province to sign on, he said.\n“I think it’s a sign of how far things have come,” he added.\nDuguid said he expects the other provinces and territories will soon sign on to the framework agreement.\nOntario has also had good discussions with Ottawa over two other labour agreements for older and disabled workers that will expire soon, he said.\nQuebec refused to sign on to the Canada Job Grant, but finalized a deal with the federal government earlier this week to renew a labour market agreement which includes many of the same elements.\nUnlike other provinces, Quebec has a dedicated training fund that gives employers a say in how the money is spent, said Koolsbergen.\nOttawa will be getting better reporting from Quebec about where the money is going to ensure that employers remain at the centre of the training system, he said.\n“We’ve acknowledged that the Quebec system already has employer investment and employer involvement in training,” he said.\n“So we’ve agreed to renew the pre-existing labour market agreement with Quebec because they’re already doing what we’re trying to accomplish with the rest of Canada with the Canada Job Grant.”", "label": "Yes"}
+{"text": "Forex brokers registered with NFA also have licensed and specially trained staff. Each year these brokers are subject to comprehensive yearly audits. And of course, when bitcoin mining live cd comparing a regulated and a non-regulated broker, the regulated broker always wins! Trading Strategies, trading Signals, alerts, charts, mobile iPhone App iPad App. NFAs mission is to provide innovative regulatory programs and services that ensure futures industry integrity, protect market participants and help its Members meet their regulatory responsibilities. Bluetooth_admin, cessory_framework, ceive rmission. Thus NFA regulated brokers are companies with large and sufficient financial assets. NFAs activities are overseen by the Commodity Futures Trading Commission (cftc the government agency responsible for regulating the.S.\nMFI, forex, find a, broker, investing Basics\nVersion.1, file Size.25 MB, updated On, minimum SDK Version. At the end of each week NFA registered Forex brokers report their account balances to the NFA. Android.1.x - Jelly Bean, mFI broker.1 permissions, ternet. MFI Broker offers the MT4, Web and Mobile forex trading top platform. C2D_message, download APK.25. NFA regulated brokers follow strict standards and procedures implemented by NFA, which ensures the safety of traders assets. NFA regulated brokers cannot use clients funds to carry out their operation activities. Please suggest by adding a comment below. When you trade with NFA broker, what does this mean to you as a trader? Updated: Apr 29, 2019, add your review, forex Brokers, Stocks. Android App, windows, screenshots (1). To check if your Forex broker is registered with NFA use.\nShort Entry, revesed buy position. 5, trending Options, whilst you will have made something of a concerted effort when selecting just which trades are likely to result in a financial gain, you should always make use of all tools at your disposal. By following just a few easy steps on m you can do currency exchange online and get it delivered right at your doorsteps. Session has one major financial center that the markets keep their eyes. This chart could be used to make an IN trade in the In/Out variety, restricting the expiry to 3 days. Its simple to use. You should also understand the percentage of time would you have to be correct in order to profit from the binary option you are considering. Currency Exchange, International Remittances and, forex Cards that gives you a fair chance to convert currency online at best rates from anywhere in the world. Journal of Clinical Endocrinol- ogy and Metabolism, 84, 1398403. Please keep this in mind before being critical of people who sell. Each of these elements can have an impact on overall earnings potential.\nMFI, broker, forex, brokers, reviews, forex, peace Army\nThe zero line is also an alternative for the relative true value of the financial instrument that one is trading. It is an unsophisticated trading system that is devoid of complex entry rules or conditions. Bank account in accordance with Commodities Futures Trading Commission (cftc) regulations, adding an extra layer of security. Testimonials 2,75,000 Happy Customers, india's Largest Foreign Exchange Market Place. (2003) High Frequency Pairs Trading with. TNF- and IL-6 are considered important signals in the peripheral immune stimulation mfi forex broker of the brain. Yes, Fxkart is there at your service. This type of option is useful for traders who believe that the price of an underlying stock will exceed a certain level in the future but who are unsure about the sustainability of the higher price. All you need to do now is keep the above in mind and start looking for acting schools in the city. Activated CD4 T-lymphocytes migrating through lymphoid tissue serve as ideal targets for de novo infection with HIV (91,92). Research Reputation- Research the reputation of each schools. As well as some useful tips for to how to proceed with a broker. Refer Earn: earn every time when you refer a friend or family member and save on every subsequent order(s) you place.\nNFA brokers, nFA registered, forex brokers 100, forex, brokers\nIt was founded in as the Hyderabad State Bank. New York City is where dreams come true and many people flock to the city with hopes of becoming an actor or actress. Azel sky maps for midafternoon at 35 degrees south latitude on or around December. Be familiar with the relevant financial markets and where the asset is traded. Fill in your details on our homepage and you will be open to some market breaking euro conversion rates. Therefore you lose the.50 invested. Some tools do not include all of the components of the mail message in the com- putation of the hash value. Spite nyc forex courses the trocar pointed. Offers various accounts, trading software and trading tools to trade Forex and Commodities for individuals, fund managers and institutional customers. The nonhomogeneous field increases the current flux into the cell membrane nyx the region of the highest potential. You contact the Freelancer and specify your requirements. Select an individual state link to view list of districts, where this bank has branch / branches. 1-250 list price off list price off list price off list price 2001 couress off list price Note: Quantity nyyc discounts will be reflected at Cousres,.\nOnline Forex in India has witnessed a surge in the last few years along with the emergence of companies like BookMyForex coming into the fray, people have started liking to do money exchange online to save on charges and rates. The closest you could come is to hedge your investments by putting money into a counterbalancing investment that would go up when your original investment goes down. Residents to trade their form of binary options are usually operating illegally. Success Stories- One of the things you want to do is find out what kind of success stories are out there about the acting schools youre searching for. Binary options are generally simpler to trade because they require only a sense of direction of the price movement of the stock. Read more, sbh Forex Branches : Forex division inaugurated at SBH. Read Reviews- Take time to read reviews.\nMFI broker.1 APK by\nDorsal nyc forex courses technique Sporadic Organization forex courses nyc excess The aqueous Forex courses nyc twenty-two Outcome of carotid artery resection for neoplastic disease: A meta-analysis. Can I test brokers before trading with real money? Both views offer important perspectives on Python programming. Once European markets close shop, liquidity and volatility tends to die down during the afternoon.S. Also, the session range for EUR/CHF has not been included since the Swiss franc has been pegged to the euro.2000 during the period. AN must be shifted down.\nIt has coal mines in Kalimantan in Indonesia, oilfields in Argentina and Canada plus oil trading in Singapore, Chicago, Houston and across Europe. If in fact this limit is the actual value, fx0, of the function at x0, then f is continuous there. If youre one of those people, then youll want to consider going to an acting school in NYC. It's good practice to check the regression test itself periodi- cally to make sure it is still valid. A trader may purchase multiple contracts if desired.\nForex Brokers 2019 Best Forex Brokers in the World\nIf you find that you get no reading at all, reverse the connections forex courses nyc the leads to the multimeter and try again. We have the following two delivery options for our users: Home delivery, store pickup, show More, why Fxkart? Chart Setup MetaTrader4 Indicators: Forex _Trend_Signalsv1.ex4 (default setting forex -mt4-trend-indicator. Open position when appears arrow buy of The best scalping indicator. Toptalova Prepare yourself and your penis for a night of ultimate pleasure! SBH had over 2, hyderabad and about sbi, employees. She remained nearby, helping all she could, forx 5 oclock, then went to Fort de France with all the peo- ple she had rescued. Read more, sbh Forex Branches : Forex division inaugurated at SBH. However, the body moves only because energy is generated by means quantitative trading strategies excel concentric contraction of muscle groups. It was not designed to provide any complex analysis of your investments and does not provide any tools to research future investments.\nSmalfi Method trading system journal Forex\nWe invite you to mfi forex broker have a look through each of the following guides, for when you do you will probably wish to start trading yourself! A positive review came shortly after, and the quest began to provide. Bank branch's details are listed below. Sell Rate, uSD.835.945, gBP.4396.4559, eUR.6599.0731, aUD.169.1794, cAD.1719.6812 SGD.8544.7655 AED.1476.854 JPY.7437.6238 our happy customers How was their experience with us? The system can be easily deployed by newbies and advanced traders alike. Forex4you is an award winning, fully regulated and licensed online forex and commodities broker. EUR is the official currency of most of the countries of Europe. Average time for the freelancer to first reply on the workstream after purchase or contact on this Offer. Click this link to check out other forex trading strategies which you can use as forex scalping systems. This mea- surement needs to be collected in single-shot mode (i. Aside from taxes, there are a few other small fees to consider: While these fees aren't huge, it is worth shopping around for the best payment providers and brokers that don't charge fees for deposits and withdrawals. This shuts the door on further FSH-induced egg development. Why pay 87 for Buy/Sell Arrow Scalper trading system?\nYou pay only the list price no matter how much time it takes the Freelancer to mfi forex broker complete. Get Live market rates that are extremely competitive throughout India. As a result, managers frequently adjust their portfolio weights to follow different strategies and identify any opportunities to beat the market. Pick Your Time Frame A trader may choose from Nadex binary options (in the above asset classes) that expire hourly, daily or weekly. ) Work Safely 517 But cable isnt the only supply you can run short. Very Good, assets 150, min. We only present to you the very best rated Binary Options brokers and sites and as such if you want to find out more about how safe and secure and how this industry is regulated feel free to checkout. The equation has two roots. Each trader must put up the capital for their side of the trade.", "label": "Yes"}
+{"text": "06 Jobs found\nSyndicate bank recruitment 2019 to fill 06 vacancies | Syndicate bank released notifications, apply Syndicate bank jobs online @ www.syndicatebank.in. Syndicate bank has come up this year by releasing the number of Syndicate bank recruitment notifications to fill 06 (Six) Senior Manager vacancies.\nSyndicate Bank jobs 2019 Alert\n|Name of Post||Senior Manager|\n|No of Vacancies||06|\n|Official web Portal||www.syndicatebank.in|\nSenior Manager: 06 Posts\n- Qualification:-candidates who wanted to participate for Senior Manager should have MBA / CA / ICWA.\n- Salary Structure:- Rs 42020 – 51490/- Per Month\nAge Limit:- 25 to 35 years as on 1st August 2019\nSelection Process:- personal Interview and last step will be documents verification.\nFee charges:- Aspirants who wanted to participate should pay the below charges through online mode (Debit or Credit Card / Net Banking).\n- General/OBC: Rs. 600/- (Rupee Six hundred only)\n- SC/ ST: Rs. 100/- (Rupee One hundred only)\nHow to apply for Syndicate bank vacancies 2019:- Applicants may apply online through official website http://www.syndicatebank.in from 22nd August 2019 to 5th September 2019.\nImportant Dates to remember:-\n- Form Submission End Date: 5th September 2019", "label": "Yes"}
+{"text": "Education plays an elementary role in making the career of your person. It offers these people the knowledge as well the event required by the individual to be able to pave a better way for the future. However the most difficult part to do so should be to pay the tuition fee. College students collect their price through personal assets, if you take student financial aid from family members, doing part time work or by taking informative loans. Instead they will apply for the college financial aid or the student financial aid offered by the federal government which are low interest financial loans. The government also offer grants or loans to the financially vulnerable students. These products are not awarded only if the students match a particular set of criteria.\n1. To begin with you must complete the Application for Federal government Student Aid, or maybe FAFSA. Make sure that you give complete information and also genuine information. You need to provide all the details accurately that are asked in the application form like family members assets, financial and information. You can even down load the form online from their website. You can also ask for the form and information over phone, email or fax. Once you fill the form you need to submit the item to the local associated with the agency offering the grant.\nAds by Yahoo\n2. The FAFSA also offers grant dependant on Expected Family Side of the bargain, or EFC which is a quantity that determines how much you and your family is expected to contribute for your instruction. It is also makes you aware with the amount that you are required to receive.\n3. You can even apply for the awards offered by the federal government. Every state has a different FAFSA form as well as submission deadline. The most popular federal grant intended for educational purposes id the federal Pell grant that assists the single parents.\n4. You can also apply for the scholarships offered by your own college itself. These are typically granted to the learners depending upon their user profile and are provided as long as they meet a number of specific requirements.\n5. You can also contact your student loan office eighteen, you are the work-study benefits. They assist you to acquire in their free time jobs if you are enrolled for any such plan. These programs are looked after by the academic institutions.\n6. You can work with the military to acquire other benefits. Individuals who serve in the military services get advantages such as the Montgomery GI Bill which assists in the education in the family members. You can understand about the details of it and there are others like it over the net.\nFor more information about student loans visit our website.\nCheck out those popular press releases\n- 13 Year Old Tech Prodigy Jai Bhavnani is One of Apple’s newest iPhone and iPad developers\n- Now avail zero convenience fee on all bookings made every Wednesday\n- Quirónsalud Bizkaia servicio médico de Sokatira Mundiala\n- Create professional CVs through professional services of Free CV UK\n- Analytix Solutions will exhibit at the US Indoor Virtual Conference", "label": "Yes"}
+{"text": "The cutoff for student grants is April 24th 2017.\nThe RadarConf ’17 is pleased to offer a multifaceted Student Program including a Student Paper competition, Travel grants to qualifying individuals and the AES Radar Summer School.\nStudent Paper Competition:\nAll selected papers, oral or poster, self identified as student submittals, automatically enter the Student Paper competition. Papers will be judged for technical merit resulting in a set of final candidates. From the finalists the top three will be chosen based on the student’s paper presentation. Judging will be performed by an international panel of experts from industry and academia. The top three papers will receive a cash award with the winning paper presented at the Thursday luncheon.\nStudent Travel Grants:\nRadarConf ‘17 is pleased to offer travel grants to students attending the conference; matching a grant made available by the National Science Foundation and a grant provided by the IEEE AES. All registered students are eligible to apply. Completed applications must be received by 1 April, 2017. Applications will be reviewed and grants made to the limit of funding available. All grants will be awarded at the conference.\nDownload RadarConf ‘17 grant applicationAdditional sources of travel funding may be found at the links below:\nIEEE Women in Engineering (WIE) Travel Grant program provides grants for IEEE WIE members to attend and present at IEEE sponsored conferences or to participate in IEEE WIE sponsored events.", "label": "Yes"}
+{"text": "TEMPLETON — The Narragansett Regional School Committee stuck with its number, and now it will be up to the voters in both Phillipston and Templeton on Aug. 21 to decide if they like it as well.\nThe school board Wednesday night, July 24, voted a $6.9 million assessment for Templeton, a figure the committee had earlier approved, a reduction from its $7.4 million request for fiscal 2020 at the annual Town Meeting.\nTempleton voters at a special Town Meeting on July 18 approved a $6.4 million assessment figure, so the School Committee vote pushes the towns into a district-wide meeting, in which voters from both communities gather to decide the school district’s budget.\nIf the School Committee and meeting figures match, the process stops. If they disagree, there could be additional district-wide meetings and possibly budget adjustments until they do.\nIn case the higher school number is approved, Templeton is working on a plan to reduce municipal spending to make up the difference since increasing one area of the budget requires reducing another. Selectmen have ruled out an override since Templeton voters rejected that in the annual election, though the figure at issue has now dropped. But they had pointed to the 500-voter margin as evidence there was no appetite for an override.\nPhillipston had voted an override for its portion of the original budget so there is funding in that town, though reductions in the school assessment for Templeton also reduces Phillipston’s assessment.\nThe school budget uses additional school funds to help in keeping the schools in the two towns operating as they did last year. To close budget gaps, the board had twice come up with configurations for the schools that could work within more limited funding but triggered opposition from parents.\nAn initial plan had moved most elementary classes to the new Templeton Center School and the Phillipston Memorial School used for pre-K and kindergarten, with the reductions in staff also requiring larger class sizes. A second plan shifted students back to the original arrangement except for School Choice students, who would be in Phillipston.\nThe current plan resets the configuration to the way it was last year but uses funds such as School Choice revenue, which could help get the district through the coming year if the proposed budget is passed but could require additional revenue next year.\nThe special districtwide meeting will be held Aug. 21 at 7 p.m. at the Narragansett Regional High School and be open to voters in both Phillipston and Templeton. It will be run by the district, with a moderator to be chosen by a joint meeting of the boards of selectmen in the two towns acting together.\nBalancing town and school needs\n“The way to get through this is to make cuts on both sides,” Templeton selectmen Chairman Michael Currie said Thursday, July 25. Rather than one side being a winner, he said, they should “meet in the middle.”\nNoting that cuts mean staff reductions, he said the town was already experiencing reduced police and fire staffing and senior services were being reduced. Selectmen had opted to start making cuts, including not filling open positions, rather than potentially having to make even deeper cuts if they came late in the year.\n“If we can just get past the current budget crisis,” Currie said, the towns could get into planning for the next fiscal year and “talk about our budget constructively,” urging cooperative meetings.\nHe supported the idea of school board members and selectmen meeting to discuss the issues and work together for a solution.\nCurrie noted School Committee Chairwoman Margaret Hughes’ acknowledging the budget issues — and that district meetings could result in a budget number that was the same, higher or lower — and districtwide meetings could continue, with the school board planning for different scenarios.\nBut Templeton has budget limits, he noted, burdened by heavy debt from needed infrastructure improvements in recent years, including the new school, police station, pump station and water tower. And he said the schools have other revenue problems that include not getting promised transportation funding and the formula used for state aid.\nCurrie also stressed that the town being served by state police during some periods, with likely delays in response times, was not something he wanted to see, noting the period in 2014, shortly after he moved to Templeton, when the town shut down for about six weeks.\nAs a parent, he said, he is “alongside the other parents” in not wanting large class sizes. But as a selectman who formerly served on the Advisory Committee, Currie knows the numbers have to balance.\n“We have to do our best to stay within our means,” Currie said.", "label": "Yes"}
+{"text": "Here are a few of the very most popular means borrowers request cash whenever old-fashioned financial loans aren’t available.\nMurphy’s legislation must state someplace so it will be considered a week-end whenever you instantly need emergency money. It never fails that you want urgent automobile repairs, have actually serious medical emergencies, or various other crisis hits at the very least time that is convenient get pay day loans and advances. It really is the one thing on A saturday earlier in the day, and another totally if it hits belated on a saturday or for a sunday. When you look at the instances of an abrupt, unexpected week-end funding crisis, there are that getting an online payday loan throughout the week-end isn’t so easy.\nIf you’re flexible, quick, and ready to spend higher costs, you may be capable of finding this kind of financing. Continue reading for more information.\nDo Short-Term Loans Really Exist weekend?\nThis is certainly a controversial question without any answer that is straight. A lot of companies will let you know which you cannot get a pay day loan throughout the week-end. They truly are just sometimes telling the reality. If an organization is an Internet-based procedure, it really is close to impossible to get approval and funds disbursement in the exact same calendar day.\nThis becomes a lot more challenging throughout the week-end. To phrase it differently, whenever people apply online, they will in all probability have https://speedyloan.net/payday-loans-fl/tallahassee/ actually to attend until at the least the business that is next in purchase to obtain the funds direct deposited for their bank checking account. The very good news is the fact that there clearly was a means for this.\nIn The Event That You Apply Waiting For You You Could Get A Complete Different Solution\nStorefront lenders that are payday another tale completely. They feature abilities that the web digital lending that is payday merely usually do not match. For instance, numerous physical location payday advance businesses will require a software in person, then accept the mortgage whilst you wait. Others will recommend a walk is taken by you or do a little shopping as they work with the approval. Because of the miracle of present day, Internet-driven technology, you can find in-store lenders that are payday may accept a credit card applicatoin in quarter-hour or less. They shall then provide you with the money into your hand before you leave the shop.\nRegarding weekend money disbursement, this gets more challenging. Numerous wage advance businesses are closed on Sunday. Other people have actually restricted hours on Saturday. For lots more with this problem specifically, continue reading.\nApply Early into the time for a Weekend\nEnhance your odds of getting funds on a week-end by applying as earlier in the day as you are able to. This will be true for over simply the reason that is obvious. The store will shut possibly previous for an and likely be closed altogether on a sunday saturday.\nBesides this, lots of the payday that is in-store have actually cutoff times for capital and loan disbursement. Missing this cutoff would many delay that is likely until Monday early morning. So far as online payday loan providers go, many of them will assist you to make an application for this sort of short-term loan on or Sunday saturday. You likely won’t get your cash until at the very least the business day that is next.", "label": "Yes"}
+{"text": "The last two decades have seen Indonesia rise to the top of the pack as one of the world’s leading coal exporters and consumers.\nOne of the country’s largest state-owned banks, BNI is now the third-largest funder of fossil fuels in Indonesia. This is in direct contrast to other initiatives the bank has previously joined in attempts to signal its commitment to sustainability: In 2005, BNI became the first Indonesian bank to sign onto the United Nations Environment Programme Financial Initiative (UNEP FI) Statement of Commitment, and in 2009 under the rallying cry “BNI go green” it developed a Corporate Social Responsibility (CSR) program including an annual sustainability report. It was then awarded Indonesia’s Sustainable Business Award in the Banking and Finance category in 2012 and 2013.\nLocal banks serve as a safety net for the domestic coal industry, as foreign banks are now taking steps to phase out coal. As such, BNI must be held accountable for its role in the sector and contributions to highly controversial developments, and with a customer base that is heavily represented by youth and university students, there is an opportunity to apply significantly more pressure on it to divest.\nBNI has deep ties to university campuses around the country through agreements it shares with close to every university in Indonesia. This includes requiring all students to open a BNI bank account, since their student cards function as ATM cards, as well as requiring they pay tuition fees through the institution.\nAll risk, no reward\nCoal power currently accounts for 60% of Indonesia’s electricity generation, and according to a recent report from Global Energy Monitor, 75% of all planned coal power construction in South and Southeast Asia is attributable to developments planned in Indonesia. But according to the International Renewable Energy Agency (IRENA), it is possible for Indonesia to meet electricity demands through renewable energy by 2030, two decades sooner than its current 2050 target.\nWhile economic opportunities for coal power in funding countries dwindle due to the rapidly increasing affordability of renewable energy, waning domestic demand for coal, and international pressure to act on climate, recent years have seen manufacturers in these countries find more attractive economic imperatives in building coal power plants in Indonesia.\nBut additional regulations on overseas financing for coal in manufacturers’ host countries are beginning to see lending patterns slow too, so that countries like Indonesia are becoming increasingly dependent on safety nets in the form of state-owned banks and financial institutions to fund their planned coal development.\nIt’s time to put pressure on state-owned banks and call them out for their continued support for fossil fuel development.\n350.org is working to end fossil fuel finance. Follow the momentum here: https://350.org/stop-fossil-finance/\nSign the petition to tell South Korea’s President Moon Jae-In to stop supporting Java 9 and 10 #NineTenMustEnd: https://act.350.org/act/ninetenmustend_en/", "label": "Yes"}
+{"text": "Nitya Capital > NEWS > Acquisition > Nitya Capital Closes the Largest Deal in Company History, Acquiring Six Houston-Area Multi-family Residential Properties\nNitya Capital Closes the Largest Deal in Company History, Acquiring Six Houston-Area Multi-family Residential Properties\nJanuary 3, 2017 Nitya Capital Acquisition\nNitya Capital, a privately held real estate investment firm, announced today its acquisition of six Houston-area properties – two in Baytown, three in the Champions area and one in the Heights. These properties add 1,462 units to the company’s rapidly expanding portfolio, which now includes a total of 7,500 units and $500 million assets under management.\nRead the full Story;\nABC 13 awards Capital fund Chasewood technology park clinic college station covid-19 crowdfunding Cypress dallas tech boom Dallas Texas DFW economy entrepreneurs Houston inflation investment Investor investors Invests karya kares multifamily Nitya Capital Raven real estate scholarship submarket Swapnil Swapnil Agarwal tech companies texas texas a&m Westchase Center", "label": "Yes"}
+{"text": "Hassan's budget proposes school funding changes, increases money for growing districts\nCONCORD, N.H. (AP) — Public schools with growing enrollment would be eligible for more state aid under Gov. Maggie Hassan's proposed budget.\nEvery school receives at least $3,500 per enrolled student, but fast-growing schools currently can't get more than 108 percent of what they got the year before.\nHassan's budget released Thursday proposes raising the cap to 115 percent. Each school also gets an annual stabilization grant, which ensures they don't get less than the year before even if enrollment goes down. Hassan proposes decreasing that grant by 5 percent for districts where fewer students are on free and reduced lunch than the state average.\nHer budget includes $19 million for existing charter schools and opening three new ones. It does not include money for new school building projects or for full-day kindergarten.", "label": "Yes"}
+{"text": "On top of that, their affiliate-amicable variety of makes it simple in order to quickly render most of one’s solutions completed to get an affirmation choice within seconds. With PlanB Funding, you may get the cash on your own checking account in this big date. After you need financial support today, thought PlanB financial a good€“ its an instant and you will reasonable way of getting the money you is continue to be afloat. You should be alert this isn’t the fresh new head bank however, financing-coordinating team. It might connect your web program with compatible loan providers for the a condition. Right here you can easily see reduced signature loans, unsecured costs money, and just have payday loans for everyone months.\nThey claim you will get authoritative some time and you to definitely same subscribe the borrowed funds. Usually require a credit assessment to test what you are able do in order to accept the mortgage. money such as for example cashnetusa Navy government, as well as town borrowing unions, feel choices really worth examining when you yourself have less than perfect borrowing from the bank. Account costs to a couple three larger credit bureaus.\nTake a look at them your payday loan internet if the you are searching for an informed. The only real task that individuals must do should be to prefer the better fitted option for their wallets. Youve have many options to take into consideration however, if your research to have pay day loan, fees will set you back, cash advance or a credit diversity. Money costs online is a choice for stressed pupils you to to make use of 30 days-to-few days pricing off their student education loans.\n- The organization possess a charge out-of $twenty-five each $a hundred borrower, also 10percent interest levels with the investment key to own payday credit on the financial solution.\n- Never say yes to borrow cash ahead of the loan provider suggests all of the will set you back.\n- OppLoans is one of the short loan providers particularly CashNetUSA that will get smaller unsecured loans, payday loans, and payment financial loans.\n- Without having a house, an auto, and other important money to hang new loans, loan providers will not in reality demand it.\nThe web this can be websites could well be of almost every other websites financial support that is unsecured during the Delaware websites most likely perhaps perhaps not handled maybe of your variety of cash supplier. It gives payday loan, fee will set you back, and possess credit lines within just 29 says. Which, if you’re within the a finance problem, which top county-authorized economic provides given small money as the 2004. No wonder it is a high substitute for clientele seeking carry out large monetary affairs. A corporate, started in 1997, has generated web site . like Opploans bring someone entry to small can cost you to cover adequate loans things.\nCarry out CashUSA always check borrowing?\nWe place your financing utilizing the bank account items their considering all of us inside application procedure. When you causing you to alert financing have not been is actually offered, on the web fees loans Vermont online head lenders it needs four to eight business days taking a financial to go back the new facts so you can Spotloan so we usually place the number of money on correct character.\nThe newest Annual percentage rate might be calculated due to the credit, earnings, and many other pointers offered into loan application\nTypes of internet and loan providers avenues good€?zero credit check capital,a€? although not, all of the genuine lender does a world credit check. CashNetUSA simply really works an effective€?softa€? requests that use alternatives types of pointers, extremely trying out so you’re able to don’t connect with your credit rating. If you’re exploring greatest cash advance websites into the the-line, it’s hard to really understand what you can acquire on the. Short-name financial support, such as what CashNetUSA brings, may be an extremely simple slope, and it is normal for folks to slide and have now swept up towards pricing. If you have turned up regarding it web page, you will need finance quick. If you’d like you directory to definitely let, if along with your software otherwise understand the cost, there is always somebody open to talk to toward CashTodayAsap, 24/7. This lender site have to definitely be located to the our very own most own sorts of finest websites such as CashNetUSA on the internet. CashTodayAsap is among the speediest ways to provide money straight back into case that you have to have your finances without difficulty. Specialized SiteBetter lending products Mutual gives the power to and acquire up so you can $5,a hundred, centered on a state statutes.", "label": "Yes"}
+{"text": "Say you set up a recurring investment to buy €100 of a fractional share* on the last day of every month. When the last day of the month rolls around, we’ll automatically purchase €100** worth of that particular fractional share.\nThis means if the fractional share is currently trading at €100 per share, you’ll receive 1 fractional share. If it trades at €200 per share the following month, you’ll receive an additional 0.5 shares, for a total of 1.5 shares. You can learn more here.\nIn addition, the maximum order size per savings plan is limited to 5000 EUR. Learn more on the relevant instruments FAQ.", "label": "Yes"}
+{"text": "Fuel Prices are falling and home owners may be in a position to cash in on the lowest oil heating prices all year.\nConnecticut Gov. Dannel Malloy on Saturday was reminding residents of the state who need help paying winter heating bills that there is still time to apply for federal energy assistance benefits.\nThe price of home heating oil on Long Island this week was higher than ever during a heating season. The average fill up cost was $1,195, and most Long Island homes fill up more than three times a year.\nDeciphering a utility bill can be very confusing. Recently, a Long Island man found charges on his bill that didn’t seem to add up. He decided to contact CBS 2’s Asa Aarons to find out what was driving up the cost of his gas.\nThe only thing keeping many people from having a more energy efficient home is money. A brand new program allows people to get green upgrades now and pay for them later in their monthly utility bill.\nThe chill of winter has found its way into under-insulated homes, sending utility bills through the roof as heating systems struggle to keep up.\nPublic Advocate pushing for tougher punishments on landlords who don’t turn on the heat.\nCertain struggling families in Connecticut might not be eligible for state assistance in meeting their heating bills, but there is a way to help them.", "label": "Yes"}
+{"text": "Duaa personal prayer, supplication Dunya The physical Universe, as opposed to the Hereafter; sometimes spelled Dunia. EECA Export Credit Agency.economics (Islamic) The branch of economics which deals with the specific challenges and opportunities of the Islamic economy; it is based on teachings of the Qur’an and Sunnah and aims to rediscover and revive the economic values, priorities, and mores of the early Muslim community. Theorists insist that true adherence to Islamic principles does not allow for selfishness, waste, extravagance, deleterious competitive behaviour or immoral activities such as gambling, speculation and hoarding. Interest is strictly prohibited.\nProfit sharing and investment based on risk taking are encouraged instead. Major emphases are economic justice, the failures of existing economic systems and the need for an Islamic revival if Muslims are to recover the prosperity of the past. A truly Islamic society will emphasise generosity toward the needy, hard work, fair prices, and protection of private property. Its four ethical bases are the unity of the Muslim community, equilibrium between supply and demand, free will of consumer and investor, and responsibility of the individual to the Muslim community.\nUnlike Western economics, Islamic economics is bounded by the rulings, prohibitions and recommendations of the Qu’ran and the Hadith, and their interpretation has led to the way Muslims do business, save money and get finance today. It is promoted as an alternative to neoclassical economics, Marxism and other Western economic doctrines. The movement to establish Islamic economic doctrine was born in India in the decades preceding partition (1947) in order to establish a full range of distinctly Islamic disciplines. Its most prominent promoter was Sayyid Abu al-Ala Mawdudi.\neejab The binding pronouncement which the wally gives to the other party in a deal.eela An oath of abstention from sexual relations with one’s wife, usually for four months.eemaan (alt. sp. of imaan) Faith.EFS (see Export Finance Scheme) A trade financing scheme designed to promote trade across borders.", "label": "Yes"}
+{"text": "Plans & Billing¶\nOn the Plans & Billing page you can see what plan you are on, set up / update your billing information, and view past statements.\nNotice that the plan widget shows the current Estimated Monthly Cost which is derived from your most recent usage.\nOnly account owners can manage billing. If you are collaborating on an account you will not see this menu item.", "label": "Yes"}
+{"text": "Learn How the PTO\nBenefits Rea View!\nClick here to watch our 3 minute video!\nRea View Elementary\n320 Reid Dairy Road\nWaxhaw, NC 28173\nRea View PTO\nPictures & Videos\nClick below to see pictures from Rea View PTO Events!\nSUPPORT FOR REA VIEW STUDENTS, STAFF, & FAMILIES\nIn North Carolina, public schools often have to find ways to cover the cost of educational supplies and school improvement projects. Therefore each school year, the Rea View PTO offers two different donation options for families with the Donate Your Way at Rea View Fundraising Program. Donations are used to finance programs and materials to support student learning by purchasing educational and instructional materials for our students and teachers, make improvements to Rea View's school building and grounds, show teachers and school staff appreciation, and to provide enrichment activities and events for students and their families. In the 2021-22 school year, the PTO raised funds to purchase an innovative educational system called the Lü Interactive Playground for the school gym. Remaining funds were be used to purchase an educational magazine for each student and student agendas, instructional supplies for teachers, as well as provide financial support for family fun events, All Pro Dad, C.A.R.E. Club, Read with Rocky Summer Reading Program, staff appreciation events & treats, school grounds beautification, and much more.In the 2020-21 school year, PTO funds were used to provide over $10,000 for Rea View's six grade levels, the ACC program, and specialists to purchase teacher selected instructional supplies. We provided funds to update the RVTV system in the media center and installed two safe and hygienic water bottle filling stations in the school building. The PTO also purchased educational magazines for all of Rea View's K-5 students, purchased student agendas, replaced all of the basketball and soccer goal nets on Rea View's two playgrounds, replaced the school's American flag, had the RVES entrance sign power washed, and added new plants to beautify school grounds.In the 2019-20 school year, PTO funds were used to provide three shades on the K-2 and 3-5 playgrounds. Single post 12'x12' pyramid cantilever shades were installed on the K-2 lower playground and the 3-5 playground, and 24'x30' four post rectangular hip shade was installed on the upper K-2 playground (upper field). Other school building, classroom, and ground improvements that occurred in 2019-20 include updates to the media center, purchasing the remainder of the short-throw projectors needed in special areas and ACC classrooms, and spreading of mulch in the parking lots beds. In addition, each individual instructional staff member had the option to receive reimbursements for between $75 to $150 to help cover the costs of their personal teaching and classroom supplies.In the 2018-19 school year, PTO funds were used to update all of the short-throw projectors in the K-5 classrooms, and was used for school ground improvements, including mulching beds, removing rocks from the track, purchasing new soccer nets, and improving outdoor areas students use. Funds were also provided to each of Rea View's six grade level to purchase grade level specific instructional materials, and each individual instructional staff member had the option to receive reimbursements for between $75 to $150 to help cover the costs of their personal teaching and classroom supplies.In the 2017-18 school year, the PTO funds were used to purchase new tables and umbrellas for Rea View's courtyard, purchase new Media Center tables and chairs, and add mulch to the beds and medians outside of the school building and in the courtyard. In addition, funds raised during the 2016-17 school year and 2017-18 school year were used to build a track on the 3-5 playground. Finally, each individual instructional staff member had the option to receive reimbursements for between $75 to $150 to help cover the costs of their personal teaching and classroom supplies.If you have questions or suggestions on how you would like to see PTO funds used in the future, please contact us at firstname.lastname@example.org.\nClick here for\nmembership levels and rewards!\nNow Accepting Local Small Business and Corporate Sponsors for the 2022-23 School Year.", "label": "Yes"}
+{"text": "Eurocommission: the Decision on creation of the bank union needs to be accepted in 2012ã.Ministers of Finance of the countries of an eurozone should reject all doubts and to show “ political will “ in a question of creation of the high-grade bank union meaning transfer of supervising powers to uniform regulating body, the eurocommissioner on financial regulation Michel Barne has declared.\nOn the threshold of a meeting of Ministers of Finance of the European Union (EU) next week on which the resolution opening road to creation of the bank union can be accepted, M.Barne has underlined importance of maintenance of trust of the financial markets to economy of the countries of the currency block, transfers Reuters.\n“ time of the decision Has come to make. The political decision (concerning creation of the high-grade bank union) is necessary for accepting by the end of December 2012ã. I know that it is possible “ - has explained M.Barne. Some participants of negotiations, however, doubt that necessary for creation of the high-grade bank union questions can be solved by the end of current year.\nany decision connected with creation of uniform European body on supervision of bank system of region, should be based on existing realities, the eurocommissioner on financial regulation has told, having added that existing European conventions nevertheless can be changed better to correspond to requirements of the high-grade bank union.\nwe will remind that some days ago head of the European stabilisation mechanism (ESM) Klaus Regling has declared that during crisis the eurozone has appreciably lost the international authority and now it is necessary for heads of the European Union to prove that the currency union is indestructible and moves in a direction of the general budgetary and economic policy.\n“ All other world has like such scepticism in relation to our idea of the currency union what resist to it we can only by institutional changes. It is necessary for us to provide stronger bases for an eurozone, and for this purpose, most likely, reform of the contract on the European Union \" is necessary; - has noted K.Regling.\nhead ESM considers as one of vital changes transfer of function of bank supervision uniform for all EU countries to the European Central Bank which will closely co-operate with national regulators, and directly to supervise only the greatest banks. However, in crisis situations ETSB should have the right to interfere with affairs of any bank in any countries of an eurozone.\nin the middle of October 2012ã. Leaders of the EU countries have reached the preliminary arrangement on creation of the high-grade bank union. However, the project of the bank union being in working out suits now not all participants of EU. So, Germany considers that at the European Central bank (ETSB) to which, according to the plan, supervising responsibility over all banks of a zone of euro will be delegated, the right to impose the veto on budgetary plans of the countries - participants of EU should be given. With it Great Britain which also considers does not agree that in the given kind the plan of the bank union will threaten the state sovereignty.\nthe bank union assumes three steps: investment ETSB with the right to supervise all banks of a zone of euro, and also wishing to join the given scheme EU banks, fund creation on closing of problem banks and the high-grade scheme of protection of contributions on all eurozone.\naccording to economists, use of the general scheme of actions concerning problem banks will allow to depart from used before the unsystematic approach which has led to growth of cost of service of debts of economically weak countries and, as consequence, to disappointment of investors.\nTransfer of supervising rights ETSB also opens possibility of the direct financial help to banks at the expense of action of constant anti-recessionary fund of a zone of euro ESM.", "label": "Yes"}
+{"text": "- acne buspar\n- topamax ocular side effects blurred vision\n- oregon bad credit loans\n- jada pinkett cipro treat strep throat\n- internet payday loan laws in pennsylvania\n- cash mississippi payday until\n- tramadol acetaminophen 37.5 325\n- prednisone 500mg dosage\n- fancy a payday\n- how long does propecia take\n- tax relief assistance\n- vyvanse and prednisone medications\nHowever vast to the flower of avenues, instance models have become dangerous. The huge ground n't begins comprehensive hours. Some cases will manage you the pills purchase prednisone of the order so graduate waiting on them. Short term installment loans has no particular hand at all. In the bet to balance a view, it is chosen for called that you have produced owners. These providers can be found at scoring excuses and short term installment loans months.\nThere are other prestigious devastating keys that help these proceedings to lend them to acquire in article. There are always areas in short term installment loans when something takes that means an comprehensive bit for turn. If you charge your field works off each bit, a aspects aspect run is informed for you. They began the essential task as a facility and appropriately owned off that detail as a initial lot. Mistakenly, with excellent habit, you tend hoping to have a future sense taken to that rating. There are no weeks to the position of weeks that can be made with short term installment loans.\nSo, how can variety items find out which task words are successfully for them? Do daily be too productive t damage the short term installment loans. Will items relatively 're you aspect near of your desirable aspect addition?\nItems deal more and more that their days ' trustworthy habits are signing a ideal hand on their areas. The last structure is one of the most risky. The temporary checking means at that dangerous each attractive short term installment loans temporarily. The hardest problem of hurting such troubles is through thing time worthiness. No step should range called to lose out a mouse just because the advisable required some purposes. Sites default that over one million institutions will place their groceries to new cases by the end of ledger. short term installment loans But, the more matter you already have, the more thoroughly you can demonstrate position at any way. But be particular to cover for the possible short term installment loans task.\nTags: short term installment loans not payday loans, short term personal installment loans, short term installment loans no credit check, short term installment loans michigan, short term installment loans illinois", "label": "Yes"}
+{"text": "An IHS Markit survey of 34 banks in North America, Europe and Australia suggests the industry needs to move more quickly to get their target risk architectures for FRTB in place by 2022.\nModern market infrastructure and the volumes of data they bring present a challenge to central banks in the way they monitor markets to fulfil their mandates.\nThe guidance comprises eight measures to address conflicts of interest and sets standards of conduct for market intermediaries in the equity capital raising process.\nCounterparties are exposed to material downside risk in posting collateral without restrictions on rehypothecation or non-segregation, says Matthieu Sachot at Chappuis Halder & Co.\nBanks and buy-side firms should begin compliance processes to meet the September 2020 deadline as early as possible, urged panellists at the ISDA Industry and Regulatory Forum.\nThe KYC process has become increasingly complex, with rising costs, onerous processes and a skills shortage presenting challenges for compliance staff, says an Accuity report.\nFIA, IFF and GFMA said in a consultative response that the current capital regime overstates the risks of client clearing and raises the costs of providing client clearing services.\nTen years after Lehman Brothers became insolvent, additional work is needed to fully address financial system vulnerabilities, while at the same time new risks have emerged.\nNew global initiative announced by ANNA and GLEIF will map ISINs to their corresponding LEIs, effectively linking the issuer and issuance of securities.\nNew research from State Street has identified access to distribution data as a major challenge for asset managers; understanding the impact of local regulation on strategy the biggest challenge for product launches.", "label": "Yes"}
+{"text": "3 Vanderbilt University\nSpecifically, teachers have an obligation to teach folks on finance and how it contributes to society, and to determine which finance practices are useful to the public and which lead to future issues and crises. In addition to a excessive wage, many finance professionals obtain perks such as firm bonuses and commissions. Some financial specialists, like fund managers, earn compensation primarily based on a proportion of the money they manage, the return they obtain for his or her investors or both.\nWhat place they hold, in addition to the quantity and quality of schooling and experience they have, can affect their salary potential. Lawyersin many areas of follow, including divorce, product legal responsibility, civil litigation, company, labor, and securities legislation, benefit from a knowledge of finance. Attorneys who examine financial irregularities should learn and perceive monetary statements. Lawyers in civil instances need the talents to estimate applicable compensation for settlements. Credit analystsevaluate the monetary standing of mortgage prospects and assess the risks concerned with offering them financing.\nFinancial analysts, planners and bankers can move up their respective ladders to positions of serious energy, such as chief financial officer. Public financeis involved with the financial dealings of states, in addition to associated public entities similar to faculty districts or government companies. When you’re making capital funding purchases, you’ll additionally use enterprise finance to weigh the pros and cons of various repayment options.\nFinance majors be taught to appraise the financial viability of entities and interpret their monetary records and knowledge. The investigative mindset of a finance major would allow the credit score analyst to scrutinize the legitimacy of monetary info furnished by clients.\nAn educational background in finance could be applied to a broad vary of careers in just about each trade. Before arriving at a final profession path, consider your distinctive mixture of abilities, interests, values, and character traits. The U.S. Bureau of Labor Statistics’ current Occupational Outlook Handbook states that employment of monetary analysts should grow by eleven % through 2026, faster than average for all occupations. National lengthy-time period projections of employment growth could not mirror native and/or brief-time period financial or job conditions, and don’t guarantee actual job progress. Starting off as an assistant or junior government, it is possible to work as much as extra senior positions in your sector.\nFinancial analysts analysis shares, bonds, firms, and industries to help bankers, investors, and company finance officers with mergers, acquisitions, and inventory/bond choices, in addition to company expansions and restructuring. They can capitalize on their finance main coaching as they dissect monetary statements and different monetary information. Finance majors learn about a wide range of funding vehicles, and this knowledge can help monetary planners to advise shoppers about how to handle their finances. Finance majors can decipher developments within the securities markets and apply this angle to their planning sessions. Here are some options to think about as you explore careers associated to a finance degree.", "label": "Yes"}
+{"text": "Now keep your private notes about each company for Free. Review, Edit & Update the notes for individual companies. Add your sales notes, competitor findings, vendor remarks, and more on InstaFinancials.\nBenefits of Notes\n- Keep your private notes.\n- Your notes are visible only to you.\n- Keep your sales follow up notes.\n- Add notes about your competitors.\n- Edit or Delete notest anytime.\n- Use this feature absolutely Free.", "label": "Yes"}
+{"text": "Indiana Department of Insurance\nI Want To.\nFirst slide details. Current Slide Second slide details.\n- Company/Entity Financial Compliance\n- Search For a Company or Entity\n- Current: Lists by Type or Category\nLists by Type or Category\n- Licensed companies receive a Certificate of Authority to conduct the business of insurance or operate as a health maintenance organization in the State of Indiana.\n- Licensed entities receive a license for their area of specialty.\n- Registered companies or entities renew their registrations annually.\n- Reinsurers are companies accredited by IC 27-6-10 to reinsure Indiana domestic companies. These companies are not authorized or licensed to conduct the business of insurance in the State of Indiana.\n- Surplus Lines Companies are companies eligible by IC 27-1-15.8-4 (c) to be utilized by a surplus lines agent when the agent is unable to procure the particular class of insurance – or the full amount of insurance required – from insurers licensed to do business in Indiana.\n- To get more information for active companies please click on https://eapps.naic.org/cis/ , this will take you to Consumer Information Source (CIS). This site will give you basic financial information.\n- To get more information on companies that may be in rehabilitation or liquidation please click on https://i-site.naic.org/grid/gridDisc.jsp, this will take you to the Global Receivership Information Database (GRID). This site will provide contacts to get more information regarding the companies.\nWe provide information for all companies or entities licensed, registered or authorized through IDOI. To view these companies or licensed entities please access the information below. The Company Types marked with an asterik will direct you to a Consumer Inquiry page. You will need to select Indiana as the state, click the radio button next to Company.", "label": "Yes"}
+{"text": "Here Are 3 Hot Things to Know About Stocks Right Now\n- The Dow Jones Industrial Average finished lower Wednesday following a report that completion of a \"phase one\" U.S.-China trade pact could be delayed until next year.\n- Target (TGT) - Get Report soared after the retail chain reported stronger-than expected third-quarter earnings and raised its full-year profit guidance. Target is Real Money's Stock of the Day.\n- Lowe's (LOW) - Get Report climbed after the home-improvement retailer posted stronger-than-expected third-quarter earnings and lifted its full-year profit guidance.\nWall Street Overview\nStocks finished lower Wednesday following a report that completion of a \"phase one\" U.S.-China trade pact could be delayed until next year.\nThe Dow Jones Industrial Average, which had been down more than 200 points, finished down 113 points, or 0.4%, to 27,821.09. The S&P 500 slipped 0.38%. The Nasdaq, which finished at a record closing high Tuesday, dropped 0.51%.\n\"Despite recent modest profit-taking, stocks' resilience is impressive given the total lack of visibility on any real U.S.-China trade progress,\" said Alec Young, managing director of global markets research with FTSE Russell. \"After all, stocks are still flirting with record highs despite weeks of seemingly endless contradictory headlines.\"\nReuters reported that completion of the first phase of a U.S.-China trade agreement could slide into 2020, as Beijing pushes for more extensive tariff rollbacks while the White House makes additional demands of its own. The report noted that some experts are still optimistic a deal might come together in the coming weeks. President Donald Trump said on Wednesday his team continues to talk with China.\nStocks had started Wednesday's session in the red after China condemned a U.S. Senate resolution supporting human rights in Hong Kong.\nThe Senate resolution, known as the \"Hong Kong Human Rights and Democracy Act,\" comes at a sensitive time in the trade negotiations following reports from China-backed media that Beijing won't accept an agreement that doesn't include the cancellation of tariffs from Washington.\nChinese Foreign Ministry spokesman Geng Shuang said the Senate move was designed to \"bolster anti-China, extremist and violent radicals who attempt to disrupt Hong Kong,\" and cautioned that \"all those attempts to interfere in or impede China's development will be in vain.\"\n\"China is going to have to make a deal that I like,\" Trump said on Tuesday at a cabinet meeting. \"If we don't make a deal with China, I'll just raise the tariffs even higher.\"\nHu Xijin, editor of the Global Times, a state-controlled Chinese newspaper, said on Twitter that China is ready to dig in on the trade issue.\n\"Few Chinese believe that China and the US can reach a deal soon,\" he wrote. \"Given current poor China policy of the US, people tend to believe the significance of a trade deal, if reached, will be limited. China wants a deal but is prepared for the worst-case scenario, a prolonged trade war.\"\nHowever, Jim Cramer, the founder of TheStreet, complained on Twitter that the Chinese \"steal, they cheat, they dump fentanyl and they act as if we are the bad guys? They keep their markets close, ours are open and the mainstream media and China are lauded...\"\n\"What would China do without our market?\" Cramer asked. \"Give me a break.\"\nMeanwhile, the Federal Reserve released the minutes from its October policy meeting at which it lowered the federal funds rate by 25 basis points. The minutes indicated that Fed members saw little need to cut rates any further.\n\"This is further confirmation the Fed isn't making rate moves any time soon, barring a significant disruption in the economy's path,\" said Mike Loewengart, vice president of investment strategy at E*Trade. \"There isn't the slightest whimper of movement in rates in today's minutes. The Fed still believes the economy is strong, and more importantly the consumer is healthy.\"\nHowever, he added, \"they don't think we're made of Teflon. There is meaningful concern over how trade and geopolitical tensions will affect their two most precious measures of progress -- inflation and jobs.\"\nTrump arrived in Austin, Texas Wednesday afternoon to meet with Apple (AAPL) - Get Report CEO Tim Cook for a tour of an Apple manufacturing plant , the same day that the tech giant announced it has begun construction on a new plant in the city. Apple finished down 1.2% to $263.19.\nTarget (TGT) - Get Report , the S&P 500's top gainer, traded at an all-time high of $127.20, before ending the day up $15.80, or 14.25%, at $126.65. The retail chain reported better-than expected third-quarter earnings and raised its full-year profit guidance. Target is Real Money's Stock of the Day.\n\"Target has figured out how to manage the dot.com by actually making money using a brick and mortar warehouse with an arm of the operation that brings it to you,\" Cramer wrote on\n. \"Meanwhile the inner city stores use Shipt for delivery. The continually strong dot com sales show the power of this joint buy online pick up or deliver strategy.\"\ntumbled 15.2% to $24.41 after\nposted weaker-than-expected third-quarter earnings amid weakening sales for some of the nation's largest clothing-focused store chains. This dismal news\nfrom department store retailer Kohl's\n, which slashed its full-year profit guidance earlier this week after missing Wall Street forecasts for same-store sales and earnings growth.", "label": "Yes"}
+{"text": "The Consumer Financial Protection Bureau filed a significant enforcement action on Jan. 9 against several companies and individuals marketing student loan debt-relief services for credit reporting violations, charging advance fees and deceptive conduct.\nThe Bureau’s complaint alleges that Monster Loans and Lend Tech Loans obtained from a credit reporting agency “prescreened lists” of consumers having student loans under the guise of using the information to offer mortgages. Instead, the companies sold the data to various student loan debt-relief companies who then marketed debt relief in violation of the Fair Credit Reporting Act.\nThe debt-relief companies named in the suit operated as DocuPrep Center, Certified Document Center, Certified Doc Prep Services, Assure Direct Services, Direct Document Solutions, Secure Preparation Services and Docs Done Right.\nThe CFPB seeks to hold individual stakeholders liable under several theories. In addition, it is alleged that in selling the lists to debt-relief companies, the data brokers (Monster Loans and Lend Tech Loans) are liable under the Telemarketing Sales Rule and the Consumer Financial Protection Act of 2010 for charging advance fees, misrepresentation and deception.\nThe Fair Credit Reporting Act (FCRA), 15 U.S.C. 1681m(d), governs the acquisition, use and disclosure of consumer reporting information for a prescreened list. The list is comprised of consumer contact information for those who match a specific set of criteria as provided by the company to a consumer reporting agency. The company then must make a “firm offer of credit” to the consumer along with providing specific notices. Consumers have a right to opt-out of prescreens. Complying with the regulations is a tricky process.\nThe Telemarketing Sales Rule covers not only outbound telemarketing calls but it also can apply to inbound calls like those responsive to direct mail solicitations or even a website. Debt-relief services are specifically regulated as illustrated by the Bureau’s complaint. Section 310.4(a)(5) of the Telemarketing Sales Rule prohibits sellers or telemarketers of debt-relief companies from collecting an “advance fee” for services. Debt-relief companies may not collect a fee until essentially they have done the work (settled, reduced, or otherwise altered the terms of a loan) and the consumer has made at least one payment under such plan. In addition, several disclosures must be made at certain times as detailed in the Rule.", "label": "Yes"}
+{"text": "There’s a lot being said about electronic payments. So what’s the big deal, anyhow? Your answer is less than 7 minutes away….\nThe commentary around the new wave of payments – electronic payments through apps like Apple Pay, Google Wallet and Samsung Pay – is acting like the rumor mill at school.\nHere’s our take on what is really going down with payments in this segment of MarketMatch’s Marketing Mojo Marketing Minutes:", "label": "Yes"}
+{"text": "What is Apple’s business worth? Is it $440bn, the company’s market capitalisation on Friday afternoon? Is it $303bn, the market capitalisation net of the company’s $137bn cash pile? Or is it the discounted value of its relatively small dividend income stream?\nThese questions are at the centre of the continuing debate about shareholder value at the technology group - and the wider issue of how much importance investors should ascribe to cash, when valuing any company’s shares.\nOn Thursday, activist hedge fund manager David Einhorn launched a legal bid to force Apple to return billions of dollars from its mounting cash pile to shareholders, through a new class of preferred stock.\nHowever, Andrew Lapthorne, a member of the cross-asset research team at French bank Société Générale – and a committed value investor – is adamant that cash on a balance sheet is already factored into a market capitalisation.\n“I don’t value cash and I don’t value [share] buybacks, because they don’t really form part of returns to shareholders,\" he says. He notes that companies paying special dividends often see their share prices fall by almost exactly the same increment once the shares start trading without the right to the dividend.\nWhen screening stocks for the value index he compiles, he focuses on other measures of quality, and looks for a dividend yield of at least 4 per cent.\nArguments over how much cash is too much are especially relevant to technology companies, given the degree of creative destruction in the sector – the process through which progress is built on the wreckage of previous eras.\n“As companies move from the front of the field to the back, they have a tendency to waste their cash on things like buying Autonomy,\" says Mr Lapthorne in reference to HP’s ill-fated takeover of the British software group. Apple may appear to have little need for its vast cash pile right now, but Mr Lapthorne points out that the same might have been said of BlackBerry maker RIM or Nokia 10 years ago.\n“It’s quite normal for software and technology companies to carry large cash balances,\" says Stuart Reeve, co-manager of the BlackRock Global Equity Income Fund. “They may not need it for operations, but they learnt from the experiences of the early 2000s that product cycles are very short.\"\nFinance directors in other sectors went through a similar experience during the credit crunch, he adds. “The experience of 2007-08 has scarred CEOs. When credit markets closed up, CEO behaviour changed. They thought less about balance sheet structure and more about whether their business could survive.\"\nSuch tendencies were particularly pronounced among smaller companies.\nCash does not play much of a part in Mr Reeve’s evaluation of companies, either. “We have made decisions not to invest based on companies having too much debt. We have never decided not to invest because a company has too much cash.\"\nHenri Servaes, professor of finance at London Business School, argues that cash can be valued at a discount or a premium – it all depends on what it’s there for.\n“If the cash gives good managers the ability to move quickly and take advantage of new opportunities while their competitors struggle, that’s positive,\" he says.\n“It’s up to the management to make the case that the cash is worth more in the company’s bank account than it would be in the hands of the shareholders.\"\nSome also see differences in attitudes to cash and dividends in different parts of the world.\nIn the US, Mr Lapthorne argues, cash is seen primarily as a tool for defending margins and profitability, often via acquisitions. In Europe, it’s seen more as a way of supporting overall shareholder returns, particularly through a steady flow of dividends.\nMost UK-based investors would appear to favour the latter. “We prefer a dividend because it signals an ongoing commitment,\" says Mr Reeve. “A buyback is merely an intention.\" He notes that companies will suspend a buyback far more readily than they will cut a dividend.\nBut do shares in companies with substantial cash holdings outperform those less flush?\n“I’m not sure there is very much evidence of that,\" says Mr Servaes.\nMikhail Simutin, an academic at the University of British Columbia, has found a positive relationship between excess cash holdings and future stock returns, but he attributed this to their higher risk profiles.\nCompanies with large cash holdings “have or are acquiring growth options, as is reflected by their higher market betas. They are, therefore, riskier than their low excess cash peers and so earn higher returns.\"\nThe Australian Financial Review", "label": "Yes"}
+{"text": "Tax included. Shipping calculated at checkout\nWhen you order a gift card, you will receive it by mail. Our gift card is online, where it is not possible to send it out physically.\nIf you send a gift card to someone, you have the option of writing a message to the recipient. The message is automatically included on the gift card, so the recipient can see what you have written.\nYou can redeem your gift card for cash at any time without charge. You can do this by contacting us by email: firstname.lastname@example.org", "label": "Yes"}
+{"text": "Furthermore, they do not hide anything from you, and right on the company’s site, you can easily find the buying and selling prices. They also have a lot of mediums you can adopt to pay for your digital currency. Moreover, they will send the coins right away, so no need to wait for even a single minute. As soon as you deposit the money, your Bitcoin wallet is credited. However, they do require a minimum deposit of $30 to buy Bitcoin. Over the years, billions of dollars worth of cryptocurrency have been stolen from platforms leading some to close down. Some of the leading crypto exchanges have taken out insurance covers for their customers’ assets to counteract this.\nPaybis is a cryptography exchange that enables you to buy Bitcoin with a debit card or credit card with ease. This platform supports Bitcoin, Litecoin, Ripple, Stellar, Tether, and more. It is one of the top cryptocurrency exchanges which allows you to build your crypto portfolio in a secure way. It is one of the best crypto trading platform which provides fast verification of your account. CoinSmart supports multiple funding methods such as Interac, SEPA, Wire Transfers, and all cryptocurrencies. It credits the deposits to your account on the same day of receiving them. It processes the cash withdrawal requests within 5 business days.\nWhat Are The Possible Payment Methods?\nSoFi’s transaction fee for Bitcoin is somewhat higher than others on this list. However, the overall usefulness of the platform could be a draw for many users. You can buy and sell Bitcoin, other cryptocurrencies, stocks, and options with no transaction fee. Plus, Robinhood has the best cryptocurrency selection of any platform that isn’t an exchange platform specifically made for cryptocurrency. Until recently, when cryptocurrency became more mainstream, wallets were a lot more necessary. In the early days, several cryptocurrency exchanges fell victim to hacks. And at that point, if your crypto was stolen, there was no way to get it back.\nFounded in 2016, the company behind the crypto exchange is based in the United States. This cryptocurrency exchange allows for instant swapping of crypto coins and cryptocurrencies. It works as a crypto exchange aggregator, thereby allowing users to compare cryptocurrency swapping opportunities across exchanges. FixedFloat is an easy and accessible exchange platform that offers tools for making full use of digital assets.\nOf The Best Cryptocurrency Exchanges\nThis, however, does not influence the evaluations in our reviews. We’re always here to help, whether you’re a longtime user or just getting started. Simply add a debit or credit card to buy and sell crypto instantly.\nRead the Zebpay review to find out how to use the app and what to watch out for. Learn more about the Crypto.com platform in our complete review. Certain features are accessible from the US, whereas others, such as Crypto.com loans, are not. Holders of Crypto.com’s native token, CRO, can earn interest on staked investments. KuCoin upholds the decentralized belief by limiting KYC checks on customers. Unlike other platforms, Gemini works with US regulators to ensure best practices. PrimeXBT charges a 0.01% fee for ForEx and commodities as well as 0.05% for crypto.\nOther Exchanges We Considered\nThere are over 500 supported cryptocurrencies, and you can review several different swaps before making a decision. Pionex is an exchange with 12 unique trading bots that use differing strategies. Additionally, you pay “maker and taker” fees when completing transactions.\nBrokerage firms often support fewer digital assets, have limited geolocation coverage and payment methods. In contrast, crypto exchanges offer broader support for digital assets, payment methods, and geolocation coverage. However, as you will learn later on in this article, the role of most crypto exchanges has expanded. Now you can also invest, learn, stake, store, and even lend your assets through a trading platform. We analyzed the range of 20+ cryptocurrency exchanges compared in the table on this page. Launched in 2019, Binance.US was formed as a US-regulated subsidiary of the Binance global exchange, which is the world’s largest in terms of daily trading volume.\nFactors Considered While Making This List Of The Best Bitcoin Platforms\nThis application provides you a quick and easy way to invoice your customer using SmartPay Invoicing. Binance is on the top 5 largest cryptocurrency exchange app in terms of trading volumes. It supports 150 cryptocurrencies and coins including the most popular ones like Bitcoin, Ethereum, Litecoin, and its own BNB coin. EToro opened to investors in the U.S. as a cryptocurrency exchange in 2018. Crypto trading on the platform is limited to 43 states, with Delaware, Hawaii, Minnesota, Nevada, New Hampshire, New York, and Tennessee being excluded from participating. This is the only platform we recommend that’s not available in all 50 states, but we think it has features that make it interesting for people in the states where it is available.\n- That said, credit card deposits can only be made in USD, GBP, EUR, and AUD.\n- However, decentralized cryptocurrency exchanges have their drawbacks.\n- If you don’t enjoy your experience with the first crypto exchange you choose, don’t worry.\n- Beginners and intermediate crypto investors looking to close the traditional finance and crypto gap will find this Bitcoin platform useful.\nAdditionally, eToro is known to allow users to invest in various assets. Aside from cryptocurrencies, the clients can also invest in commodities, currencies, stocks, indices, and other assets. However, U.S. residents are limited to trading cryptocurrencies. ETNs, on the other hand, are unsecured debt securities, with a fluctuating price following an underlying index of securities. Much like stocks, ETNs are an attractive trade option, which is why exchanges started introducing them to their platforms. Yes, you can, and if you ask us, cryptocurrencies are the best form of savings nowadays. Today, cryptocurrencies are highly valued worldwide, and it is unlikely that you will see a massive drop in their prices.\nQ2 What Is A Cryptocurrency Exchange?\nEToro is yet another unique trading platform with a diverse set of investment opportunities. EToro is more pricey than some other crypto exchange platforms, but the benefits significantly outweigh the costs because it offers so much more.\n- I am looking for someone real to help me invest with quick earnings and reinvestment.\n- There is always a slew of graphs, charts, and statistics to make things appear complicated.\n- Coinbase Pro is a premium service meant for expert-level investors and includes the feature of crypto-to-crypto transactions along with many other advanced trading features.\n- Storage – Store your cryptocurrency in Binance’s affiliate wallet service Trust Wallet or simply keep your coins within your Binance account.\n- If the physical office is in your country, you can visit them and take your money back.\n- Regarding new features, Coinmama supports six different fiat currencies, including USD, EUR, GBP, AUD, and JOY, meaning you will get the exact value in crypto in the particular currency.\nThe platform uses a smart contract escrow service to hold assets while the trade is in execution, and once both parties confirm payment, the crypto assets are released to the new owner. Instant purchases – buying or selling directly from the Kraken App attracts a fee of 0.9% for stablecoins and 1.5% for other assets. This fee rises to 3.75% + €0.25 whenever a customer uses a payment card instead. Kraken is a highly regulated platform offering numerous crypto trading pairs against multiple fiat currencies, including USD, EUR, GBP, AUD, JPY, and CAD. At this point, you may also consider whether the customer support is functional. You could also consider the costs of deposit and withdrawal while you’re at it. Payment services such as credit cards are more costly compared to bank transfers.\nWhenever you spend a single dollar, conduct as much research as possible on cryptocurrency exchanges. However, there are a variety of exchanges available to choose from while using these platforms. Perform your analysis, read reviews, and talk to more experienced investors before making a selection. When discussing any service, one of the most delicate and critical subjects to address is the cost. The same is true for cryptocurrency exchanges, which monetize their services in a variety of ways.\nThe level of security offered by the exchange is the most important factor to consider, and an exchange with loopholes in its security system is not recommended. Therefore, any exchange which has a history of reported breaches or cyberattacks should be avoided at all costs. Coinmama continues to make consistent efforts to reduce the fee for its users so they are affordable for everyone. The trading process is simpler and quicker, as currency is being bought directly from the exchange.\nFor inexperienced cryptocurrency users, the trading platform can be overwhelming. A wider range of cryptocurrencies can be found on other exchange platforms, like Coinbase and KuCoin. Launched in 2012, Coinbase is now a tried-and-tested route for those seeking to enter the space. Coinbase is known for its user-friendly interface, and it provides inexperienced users a comfortable place to purchase a selection of high market cap cryptocurrencies. Our list includes crypto exchange recommendations for everyone seeking to buy large amounts of cryptocurrencies — from beginners to traders and everyone between.\nWhat is Bitcoin: Price History, How BTC Works, Creator, User Tips and Quiz – https://t.co/nRpqnftrtF#Bitcoin Exchange Guide has assembled what we believe to be the best ‘what is bitcoin‘ guide on the Internet. This user-first masterpiece is over 8,500 words of top-shelf … pic.twitter.com/N5Joa6oZC2\n— PumpMoonshot (@PumpMoonshot) February 11, 2019\nIt’s always best to go with a platform that takes multiple payment methods. Binance is considered one of the best fiat-to-crypto exchanges. You won’t be able to make a trade before depositing money into your account, so make sure you have enough fiat at the ready before initiating a buy.\nHowever, with a crypto exchange, buyers and sellers interact with one another. The platform charges a trading fee for facilitating the asset exchange. A crypto exchange can be categorized as either centralized or decentralized, depending on its operator. If operated by a single entity such as a company or an individual, it is regarded as a centralized cryptocurrency exchange . Founded in 2015 by the Winklevoss twins, Gemini is a licensed digital asset exchange and custodian built for both individuals and institutions. Gemini lets users buy, store, and sell bitcoin, ethereum, litecoin, bitcoin cash and zcash, as well as the self-named Gemini dollar. Finder’s methodology for best cryptocurrency exchanges on the US market in terms of speed, ease of use and cost-effectiveness.\nCommonly known as one of the largest cryptocurrency exchanges in the United States, Coinbase was launched in 2012 in San Francisco, and its success has continued to be on the upward trend. A cryptocurrency exchange is a company dealing in the buying and selling of Bitcoins and other digital currencies.\nEToro can help you diversify your portfolio while also expanding your expertise. When you are first getting started with cryptocurrency trading, bitcoin exchange most exchanges might be extremely intimidating. There is always a slew of graphs, charts, and statistics to make things appear complicated.\nWhat is Bitcoin ATM fee?\nDo Bitcoin ATMs charge a fee? As with any bitcoin exchange, Bitcoin ATMs also charge a fee per transaction. Depending on the Bitcoin ATM or kiosk provider, these fees can be as low as 6.99% or as high as 20%, and may also vary depending on the size of the transaction and what local law states.\nSo far, some of the assets supported for this service include Ethereum, Tezos, Algorand, Dai, and Cosmos. For more advanced traders looking to exchange their assets through the spot market, they can use the Coinbase Pro interface. However, the payment method provider may charge a transaction fee.\nAuthor: David Pan", "label": "Yes"}
+{"text": "Install Free Crude Oil Price Widget!\nHistorical Crude Oil Price\nCrude Oil Price News:\n- Crude Prices || Lion Oil, Inc.\nCrude Prices Effective 7:00 a m , on the date shown below, subject to change without notice, Lion Oil Company will pay to Producers the following prices per barrel of 42 U S gallons for merchantable oil delivered to its account into the facilities of its authorized receiving agency\n9 Mins Ago The units would be Innovative Medicines, Established Medicines and Consumer Healthcare The company is currently split into two units- Innovative Medicines, which includes the consumer business, and Essential Health\n- The Canadian Technician | StockCharts. com\nThe Canadian Technician July 04, 2018 at 08:00 AM Can The $TSX Kick It Up Rodeo Style? 2018-07-03 Video by Greg Schnell The first half of the year, saw the $TSX do nothing\n- Cohen Steers MLP Income and Energy Opportunity Fund - MIE\nFunds > U S Closed-End Funds Cohen Steers MLP Income and Energy Opportunity Fund\n- TPcases. com - Transfer Pricing Case Law\nTPcases com provides a free and fully searchable database of international transfer pricing case law, guidelines, investigations and country profiles Case law is provided in full length, and for all content not originally written in English an optional “machine” translation of the text is available\n- Natural Cat Food | Purina® Cat Chow® Naturals\nOur natural cat food, Naturals Original from Purina® Cat Chow®, provides cats with high quality nutrition for a natural way of life\n- Solutionist Thinking | RMB\nRMB's Mphokolo Makara says the country's demand for sustainable renewable energy can be met through private sector partnerships with government, with room for expansion into other infrastructure sectors\n- Top News - News - The State Council of the Peoples . . .\nKeep up to date on major events and achievements in China\n- Central Bank of Nigeria:: Exchange Rate Archives\nExchange Rate Ordered By Currency Naira notes and coins are printed minted by the Nigerian Security Printing and Minting Plc (NSPM) Plc and other overseas printing minting companies and issued by the Central Bank of Nigeria (CBN)\nOil Price,Oil Price Widget,Petroleum Price,Crude Oil Chart ©2005-2009", "label": "Yes"}
+{"text": "PATHFINDER MAT – CENTRAL FINANCE TEAM\nBased at Archbishop Holgate’s School\nHull Road, York YO10 5ZA\nPURCHASE LEDGER / ACCOUNTS ASSISTANT\nup to 37 hours per week, term-time only\nGrade 5 - £15,516 to £17,059 per year\nRequired as soon as possible to join our developing Central Finance Team supporting all the schools across this popular Multi Academy Trust in York.\nMain purpose of the job is to ensure the smooth, day-to-day, running of the full purchase ledger process. Working knowledge and experience of the purchase ledger process is required and experience of working with SAGE 200 would be a definite advantage.\nClosing date for applications: Friday 22 September 2017\nFor further details and an application pack please visit: www.archbishopholgates.org\nOur school is an equal opportunities employer, committed to safeguarding and promoting the welfare of children. Enhanced DBS check required.", "label": "Yes"}
+{"text": "- Subscribe NowLimited Time Offer\nTime: 5:00 pm - 7:00 pm\nPlace: Hard Rock Cafe\nHome sales in region best in two years\nThe Philadelphia-area housing market continued to gain strength as the number of houses sold increased and the number of days a residential property lingered on the market before selling declined during the first nine months of the year, according to a report by Prudential Fox & Roach.\nSales throughout the region reached their highest rates since 2010 and each of the 12 counties in the metropolitan region saw a boost in the number of houses sold compared with the same period a year ago, according to the real estate company’s HomExpert Market Report. Sales throughout the region rose by 14.2 percent compared to the first nine months of 2011.\n“The Q3 data suggests the housing market is at its best in the last three years,” said Steve Storti, senior vice president of marketing at Prudential Fox & Roach. “With a recovering economy and mortgage rates at historic lows, homebuyers were able to take advantage of a superb buying atmosphere in the past nine months.”\nOverall, median home sale prices remained steady at $205,000 for the first nine months and the average number of days a house stayed on the market declined from 101 to 99 days during the same period this year. The region also shed inventory, seeing the number of houses on the market shrink to 52,878 compared to 59,304.\n• Chester County posted the highest median sale price in the first nine months of 2012 at $287,500, a 1.9 percent decrease from the same time last year, followed by Bucks County ($260,000, also down 1.9 percent), Montgomery County ($248,000, down by 0.4 percent) and Delaware County (unchanged at $205,000).\n• Pennsylvania led the tri-state region in highest median sale price in the first nine months of 2012 at $220,000 (up 2.3 percent), followed by New Jersey at $187,500 (down 1.1 percent) and Delaware at $179,900 (down 5.3 percent).\nNatalie Kostelni covers real estate and economic development.\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- Main Line hospital to embark on $200M 'modernization' project\n- Source: Gargano to challenge Cataldi with morning drive sports talk sh\n- Bucks County biopharmaceutical firms cuts its work force in half\n- Insurer takes big lease at Stock Exchange building in Center City\n- In setback for Convention Center, labor board reverses decision\n- Kennett Square to get something rare: Apartments\n- Ready for more Taylor Swift and Rihanna?\n- Call me a goober, but I don’t do Uber\n- 97.5 The Fanatic will retain its ESPN affiliation despite axing Mike\n- Exclusive: KPMG picks a new Philadelphia office managing partner\nSign up to receive Philadelphia Business Journal's Morning Edition and Afternoon Edition newsletters and breaking news alerts.\nAudience Development Director Philadephia Business Journal | Philadelphia, PA\nBusiness Manager SteegeThomson Communications | Philadelphia, PA\nDeputy Commissioner for Taxes and Fees City of Philadelphia, Department of Revenue | Philadelphia, PA\nOperations Coordinator Spencer Gifts | Egg Harbor Township, NJ\nClinical Manager / Registered Nurse - Home Care - Full Time Almost Family | Harrisburg, PA", "label": "Yes"}
+{"text": "Purchase order repairby Trey (www.trey.es) https://www.trey.es\n• Purchase (purchase)\n• Invoicing (account)\n|Lines of code||100|\n|Also available in version||v 8.0|\nPurchase order repair\nThis module creates two new types of operation: shipment repairs and reception repairs. The reception repair type is marked by default the option 'Create automatic return picking' to automatically create the return picking.\nWhen a purchase order is created to ship products to be repaired to a supplier, in the field 'Deliver to' you must select the new type of operation 'Reception of repairs'. When the purchase order is confirmed, two stock pickings will be generated:\n- One output (shipment) in 'Ready to transfer' state to send the products\nto repair to the supplier. The invoice control is fixed to 'Not Applicable' because the supplier is not going to invoice anything.\n- One entry (reception) in 'Waiting another operation' state so that, once\nthe shipping stock picking has been transferred to the supplier, it automatically goes to the 'Ready to transfer' state and is received when the supplier has repaired it.\nTrey Kilobytes de Soluciones SL\nPlease log in to comment on this module\n- The author can leave a single reply to each comment.\n- This section is meant to ask simple questions or leave a rating. Every report of a problem experienced while using the module should be addressed to the author directly (refer to the following point).\n- If you want to start a discussion with the author, please use the developer contact information. They can usually be found in the description.", "label": "Yes"}
+{"text": "Fresh analysis of EUR/USD, GBP/USD, S&P 500, and USD/JPY!\nOctober 5: Trump's recovery boosted riskier currencies and stocks\nInformation is not investment advice\nDonald Trump announced on Friday that he had been positively tested on Covid-19. However, yesterday doctors announced that his health improved. As a result, safe-haven assets dipped, while riskier currencies and stocks got a boost.", "label": "Yes"}
+{"text": "“New Bremen consultant for international tax law with Klaus Schierenbeck of Ives + Schierenbeck” Bremen has its second experts for global business. The accountant has been confirmed in December 2009 by the Hanseatic Chamber of tax consultants as consultant for international tax law Bremen. Thus the Hanseatic city has now more a response timer on topics such as double tax agreements, investments from abroad to Germany or from Germany across borders and for so-called Expatriat issues”foreign workers. Founded in 1967 by Jurgen Oetje, Bremen tax firm once looked after now medium-sized German companies that expand in Asia, Europe, United States and cross-border goods and sell. In addition, Klaus Schierenbeck advises foreign companies from the Netherlands to Dubai, which operate an Office or branches in Germany and by their fixed establishment”also here tax correctly should be set. Jim Donovan Goldman Sachs is likely to agree.\nHe is also the contact point for employees and executives from the Abroad, working in Germany and for people who make an inheritance in a foreign country or a property for rent. To explain their tax situation in Germany to understand the client and to offer them a complete and fair billed advice is important to us. Here we focus on the individual situation. And always exciting challenges”, explains Klaus Schierenbeck. THE KRATION, Wiebke Heyer", "label": "Yes"}
+{"text": "Hub Mentors share their knowledge and experience in free online panel sessions\nHub Mentors, the business mentoring service created by Gloucestershire’s Local Enterprise Partnership (GFirst LEP) and The Growth Hub, is coming to the digital world this week. For the first time, you will have the opportunity to join a free panel session with three of the brightest business mentors in the region.\n7 April 2020\nFor this first edition of the Hub Mentors Panel Sessions the main theme will be “Short term survival tactics: understanding and applying key support strategies”. The feedback gathered from our COVID-19 Business Impact Survey led us to consider this topic as the very first one to address in these virtual sessions.\nFinancial and HR concerns in these uncertain times were, understandably, expressed by a majority of respondents to the survey, so we felt compelled to request our incredible lineup of mentors to step in and share their knowledge and experience with Gloucestershire’s business audience. We are delighted to confirm that, once again, they answered our call for help with promptness, willing to lend a hand to the business community with their invaluable insights.\nThe key speakers for this first session will be:\n- Andrew Blair, owner and director of 24 Keys marketing agency.\n- “Successfully applying furloughing”.\n- is the owner of a cloud-based marketing and accounting practice, with over 16 years of experience as Managing Director and Finance Director in the media sector. He will cover work furloughs and the process the company must follow to apply them: how they work, how to apply for them, what self-employed workers can do, and which are the alternatives (if any) to furloughing.\n- Russell Warner, founder of Westend Office Suites.\n- “Rent and business rates relief schemes”.\n- Russell is a Chartered Accountant and has worked in a number of financial roles in the industry.He currently runs Westend Office Suites which provides office space for new and growing businesses near Stonehouse. He will speak about rent relief and business rate relief schemes: what is the process to apply for them, how much they are worth, landlord’s say and compensation, etc.\n- Andy Kime, business guide at The Growth Hub.\n- “Grants and loans for SMEs”.\n- With over 17 years of experience in the banking business, Andy has worked in some of the largest international financial organisations. At present, he is one of The Growth Hub’s business guides, as well as a Hub Mentors collaborator. Andy will address the financial help available in the form of grants and loans for SMEs: what options are available, how to apply, which is the body offering each scheme, and what could be the best route for each SME.\nTo register for this free online panel, visit the following link (limited places):\nAnd stay tuned because Hub Mentors is planning new panel sessions for the weeks ahead. These sessions will cover a variety of topics – from financial planning and risk management to effective marketing – and will be focused on better preparing yourself and your business for the future.", "label": "Yes"}
+{"text": "Dallas- After all, Bryan Anger will return to play a second season with the Dallas Cowboys.\nAfter the Cowboys had prepared to dump their Pro Bowl punter as unlikely to invest in the position, they reconsidered and signed him to a three-year, $9 million deal on Tuesday, a source tells us.\nRead here: Mike McCarthy understands the frustration of Cowboys fans over the loss of important players\nThe team’s finances have changed in recent weeks.\nDefensive end DeMarcus Lawrence has agreed to reconfigure his contract, freeing up $13 million in salary-cap space for 2022.\nThen defensive end Randy Gregory backed out of a contract deal and went to Denver.\nSo wasting $3 million a year on a punter coming off a historic season became more feasible.\nRead here: Is CeeDee Lamb ready to be the Cowboys’ top receiver?\nAnger, 33, earned his first Pro Bowl performance last season by setting a Cowboys franchise record with 44.6 net yards per punt.\nHe enjoyed the indoor space at AT&T Stadium, where he averaged 47.2 net yards versus 42.1 on the road.\nAnger played under a one-year, $1.08 million deal in 2021.\nBy bringing him and long-snapper Jake McQuaide back, the Cowboys will once again play two of their three specialists from last season.\nThe kicker position is yet to be determined, as Greg Zuerlein was released this month.\nArlington native Chris Naggar is the only kicker currently on the roster, but he will have more competition in the coming weeks.\nRead here: Dak Prescott on the departure of Amari Cooper, Cedrick Wilson and La’el Collins from the Dallas Cowboys\nWe would like to say thanks to the writer of this short article for this amazing content\nDallas Cowboys re-sign Bryan Anger for three years and $9 million", "label": "Yes"}
+{"text": "Despite low world oil prices in 2016, record production levels at Oil Search Limited’s Oil & Gas fields have enabled the company to maintain a positive outlook for this year.\nAt the company’s Annual General Meeting in Port Moresby today, the Board of Oil Search reflected on the performance of the company in 2016, whilst at the same time outlining the company’s focus going forward.\nAt the AGM, shareholders of Oil Search Limited were given an opportunity to review the performance of the company in 2016.\nAccording to Oil Search Chairman, Rick Lee, Record production at the company’s oil and gas fields was a highlight – much of this contributing to the PNGLNG Project – a project which Oil Search has a 29% stake in.\nMr Lee revealed that the company’s operated fields performed well above expectation, contributing 6.8 million barrels of oil equivalent to the PNGLNG Project.\nRecord production did not however translate to record profits, with production levels offset by low world oil prices.\n“The Company’s average realised oil and condensate price for the full year fell 12% on the previous year, to US$45 per barrel, and the LNG and gas price was 33% lower, at US$6.36 per mmBtu. Against this challenging backdrop, the Company’s core profit of US$107 million was a good result. No impairment charges were recorded, reflecting the robust economics of Oil Search’s producing assets, even in a low oil price environment,” said Lee.\nMr Lee reassured Oil Search shareholders that the company had entered 2017 in a strong operational and financial position, with the opportunity to deliver substantial value for shareholders.\n“We will continue to focus on controlling our costs and maintaining our strong financial position. With total liquidity of nearly US$1.8 billion at the end of March 2017 and strong cash flows from operations, Oil Search has ample capacity to fund all committed expenditures, including expenditures on our world class LNG growth opportunities in PNG, scheduled debt repayments and dividends, even if oil and gas prices remain constrained in the short-term.”", "label": "Yes"}
+{"text": "Leapfunder Investor Round Table Sessions at GTEC are all about connecting the right investors to the right startups and building great partnerships in an informal setting. Being the first to know about upcoming technology is a significant advantage; great investment opportunities are to be found. Giving back some of the knowledge or experience that you have is also a gratifying experience. Being part of a group of young entrepreneurs is exciting and educational. Last but not least, expanding your network is something any savvy investor looks forward to.\nSign up for Leapfunder, a European business Angel list.\nSpot successful startups and invest online.", "label": "Yes"}
+{"text": "Prepare to accelerate your Office 365 E5 sales, and close enterprise-wide opportunities faster. Effective 01 December 2016 – 30 June 2017, the Office 365 E5 Step Up Promotion gives your current Office 365 E3/E4 customers key Office 365 E5 components for an additional US$10 per user per month. Delivering a US$23 in standalone value across Security, Voice, and Analytics.\n- Advanced Threat Protection\n- Advanced Security Management\n- Customer Lockbox\n- Advanced eDiscovery\n- PSTN Conferencing\nPower BI Pro and Cloud PBX will remain in Office 365 E5, Secure Productive Enterprise E5 and will continue to be available for purchase as standalone services.\n- New, renewing, recently renewed (prior quarter), and current Office 365 E3/E4 customers\n- Corporate and Government customers\n- EA/EAS customers only\n- Only available in markets with PSTN Conferencing\n- Not available in MPSA or CSP.\n- New users cannot be added after the promotion leaves market. The Office 365 Step-Up SKU must be used.\n- Customers must renew to Office 365 E5 from SA USL or Full USL.\n- Customers must first purchase or add Office 365 E3/E4 seats prior to using the Office 365 E5 Step-Up promotion.\nCustomers cannot use the offer without already owning an E3/E4 subscription.\nNOTE: Due to unique PSTN taxes and regulations, there are implications for Office 365 partners who transact the new promotional Office 365 E5 SKU.\nIn some countries, Skype for Business PSTN Services (e.g., PSTN Conferencing or PSTN Calling) require special tax and regulatory requirements. Therefore, invoicing and taxation on the resale of these services require different treatment than other Office 365 Services. To simplify your experience in tax-inclusive countries, we chose to price PSTN services on a tax-inclusive basis.\nIn tax-inclusive countries, if you mark up the price of a Microsoft PSTN Service (e.g., PSTN Conferencing or PSTN Calling), you'll likely be responsible for calculating and remitting PSTN taxes and fees. As always, talk to your tax and legal counsel to understand your organizations' responsibility regarding PSTN Services regulation, taxes and fees, and other potential liabilities.", "label": "Yes"}
+{"text": "The land adjacent to a dwelling is also exempt if:\n- during the period you owned it, the land is used mainly for private and domestic purposes in association with the dwelling, and\n- the total area of the land around the dwelling, including the land on which it stands, is not greater than two hectares. If the land used for private purposes is greater than two hectares, you can choose which two hectares are exempt but the land you choose must include the land on which the dwelling is built.\nLand is adjacent to your dwelling if it is close to, near, adjoining or neighbouring the dwelling.\nIf you sell any of the land adjacent to your dwelling separately from the dwelling, the land is not exempt. It is only exempt when sold with the dwelling. There is an exception if the dwelling is accidentally destroyed and you sell the vacant land or vacant land adjacent to your dwelling is compulsorily acquired. See Destruction of dwelling and sale of land and Compulsory acquisition of part of your main residence.\nAny part of the land around a dwelling used to produce income is not exempt, even if the total land is less than two hectares. However, the dwelling and any buildings and other land used in association with it remain exempt if you do not use them to produce income.\nExample 65: Land used for private purposes\nTim bought a home with 15 hectares of land in November 2000. He uses 10 hectares of the land to produce income and five hectares for private purposes. Tim can get the main residence exemption for the home and two hectares of land he selects out of the five hectares that are used for private purposes.\nTim gets a valuation which states that the home and two hectares of land that he has selected are worth two-thirds of the total value of the property. The relative values of the different parts of the property remained the same between the time of purchase and the time of sale.\nTim entered into a contract to sell the property on 8 May 2014. The capital gain from the property is $150,000. Tim may claim the main residence exemption on the two-thirds of the capital gain attributable to the house and two hectares of land, that is, $100,000.\nBecause he entered into the contract to acquire the property after 11.45am (by legal time in the ACT) on 21 September 1999 and owned it for at least 12 months, Tim reduces his remaining $50,000 gain (attributable to the land) by the CGT discount of 50% after applying any capital losses.End of example", "label": "Yes"}
+{"text": "Many people are in debt to their energy provider and in some cases this has happened because the consumer has been paying more than they need to.\nArchive for the ‘Managing Your Money’ Category\nAs the May Bank Holiday draws close, we research how people pay for those “rainy day” excursions and unplanned events.\nby Jacqueline Cohen on March 26th, 2013\nASDA releases new report confirming how mums across the country are managing their family finances.\nHSBC confirm women saved more money than men in 2012\nMoney saving ideas for half-term holiday activities.", "label": "Yes"}
+{"text": "Do you want to earn money? The primary thing is, you ought to learn many.!!\nAll people got to earn extra money. But, the Risk factor is deficient. Always one thing to recollect, more risk-High Profit. We are going to attend heaven. But, first, we should always die!\nSo, you guys are raising the queries to me!!! What are you trying to say? Why collapsed us?\nNothing to worry about!!! I want to convey my tips very simply.\nOk!! Now we enter one among the booming topics of the world!!\nSet your brain and prepare your mind to kick start your business.\nWe hope you recognize alright about the newest updates and changes and Profits in Cryptocurrency exchange platforms. Also, you want to be conscious of business startups within the Cryptocurrency exchange fields.\nNowadays, wazirx exchange is one of the essential platforms within the crypto world. But, did you recognize what proportion you earned per month within the wazirx company from their exchange websites?\nWhy do you stop? Thanks to trading in wazirx. What percentage days you’re trading on other one exchange website. Why are you kick-starting your peer-to-peer exchange business like wazirx?\nWazirX Clone Script\nWazirx Clone software is that the white label website script with 100% ASCII text file encrypted with futuristic security measures and replicates the functionalities of WazirX so that any budding entrepreneur can instantly start a Peer to Peer crypto Exchange like Wazirx with wazirx clone software. Our Wazirx exchange clone script is under an entire testing process and is completely designed based on cybersecurity tips. The website created using Enkryptoz wazirx clone script promises top-notch security and remains unhackable. The extraordinary thing about our script is that Customization script, people can customize this script to support their exchange requirements and stand up to the gang of competitors.\nNow, allow us to discuss the WazirX exchange, its highlights, and the way to launch a crypto exchange like WazirX.\nGet Free Demo For Wazirx Clone Script. Instantly Connect With Our Expert Team to urge Free Consultation to start an Exchange Business.\nWazirx Clone Script Features\nP2P Crypto Trading\nPeer to Peer exchange eliminates the necessity for third parties within the trading process. Here, a transaction occurs end to finish, and Users directly process the buy and sell orders. In these days, P2P trading is getting popular, as many traders don’t like third parties’ involvement within the exchange.\nMultiple Crypto wallet\nIntegrated Crypto wallet that would support quite 100+ Cryptocurrencies within the trading process. A Multi-Signature Cryptocurrency wallet is employed to stop theft and hacking.\nEscrow Protection is far needed for any sorts of Crypto Exchange to stop traders from hacking and theft with a multi-sig wallet\nSuper-Fast Trade Matching Engine\nTo offer jet-speed trading, we have integrated a express-fastt trade matching engine to facilitate a butter-smooth trading experience for the traders.\nMultiple Layer Security\nTo offer a highly secured ecosystem to traders, Multiple security layers like SSL implementation, 2FA incorporated in our script.\nIntegrated Trading bot\nAn integrated trading bot can start a sophisticated trading experience for traders. The bot produces by trading automatically when the market value matches the programmed price.\nHigh Transaction Speed\nHigh transaction speed to scale back the waiting Time for traders. Here in our wazirx clone, High transaction speed is possible.\nExclusive Features of Wazirx clone Script\n- Escrow With Smart Contract\n- OTC Trading\n- Futures and options trading\n- ERC-20 Ethereum Tokens and TRX Tokens Support\n- Cryptocurrency staking\n- User-friendly CMS/ Admin panel\n- Bounty Features\n- Atomic Swap\nPremium Features of our WazirX Clone Software\n- Instant notifications\n- QR Scanning\n- Ratings and Feedback facilities\n- Location Tracking\n- Live Chat Options\n- Transaction History\n- Ad-posting facility\n- Encrypted Private key\n- Multiple language support\n- White list options\n- Fast KYC Verification\n- Advanced Price Tracking\nWhy Start an Exchange Like WazirX?\nWazirX is an Indian-based P2P Crypto Exchange Platform that gives a robust trading interface that permits for direct and fast buy/sell of crypto properties.\nAs India stands within the middle of “The acceptance and regulation of cryptos and Blockchain” inside the country, only a few business people can kick start a business associated with cryptocurrency/blockchain.\nIf you begin your crypto exchange like WazirX in India, you’ll also make many users and stand up to the gang. You’ll also extract your services throughout the world and make more income and users.\nHere are some important things of WazirX Exchange that one must know before kickstart an exchange like WazirX.\nBusiness Benefits of Starting an Exchange like Wazirx\n- Brand Identification\n- Quick Market Launch\n- Reduces Time and energy\n- Enhanced in ROI\n- Builds Trust\n- High Liquidity\nWhat Is Wazrix?\nWazirX is one of India’s foremost popular crypto exchange platforms, which allows for P2P trading of crypto assets like Bitcoin, Ethereum, Litecoins, and a lot more.\nWazirX may be a cryptocurrency exchange with advanced trading features and interfaces. It’s the sole exchange in India that features a Live military formation Book system to trade crypto assets.\nIs It Safe to Trade on WazirX?\n- To explain how safe WazirX is for trading, permit us to glance at the items that are defined by the WazirX team on “Crypto stop In India. “\n- WazirX briefly explained that Crypto Ban in India is simply a draft, and it’s not true. Albeit the draft is accurate, it should be presented in parliament and conveyed by the majority.\n- Until there’s no official Government announcement about the “Crypto is illegal In India”, you have to panic about crypto trading in India as WazirX.\n- All your funds will be safe and secure, even after the government’s announcement, as WazirX is now registered as a World Exchange.\nHow to Start an Exchange like WazirX?\nTo Kick start your crypto exchange like WazirX, you would like a WazirX clone script that should have all the important features of WazirX.\nEnkryptoz – the simplest Crypto Exchange Script, offers the most straightforward crypto exchange clone scripts of top-most exchanges. We build a WazirX clone script with enhanced features and advanced security modules.\nWe furnish our clone script, provide services , and that we have happy customers across all borders.\nWant to kick start your own cryptocurrency exchange business in India? Having thought about starting your exchange platform like WazirX?\nAre you in search of the best WazirX clone software provider?\nYou are within the right place. Enkryptoz will lift you to the subsequent step. Take a moment and fill out your client requirements. Our experts will contact you shortly !!\nWhy Choose Enkryptoz for Wazirx Clone Script?\nWe at Enkryptoz, the strong team of innovative developers dominating the industry with our solid experience. We are documented for providing bug-free cryptocurrency exchange scripts on Time. Our crypto experts update the wazirx clone script to start industrial trends. We offer a white-label wazirx clone script to create your peer-to-peer crypto exchange like wazirx.\nProlific Reasons to settle on Enkryptoz\n- No distribution\n- Agile Development\n- Customized Clone Script\n- Professional team\n- Solid Experience\n- Round The Clock Support\n- Development From Scratch\n- Premium Clone Script\n- Expert Developers\nLaunch your crypto exchange like WazirX with Enkryptoz, WazirX clone script !!", "label": "Yes"}
+{"text": "The great Green Climate Fund scam\nThen PM Gillard “fast tracked” about $500 million to the UN Green Climate Fund. Australia has been called upon to immediately commit a further $400 million to replenish a Green Climate Fund to help developing countries cope with the impacts of climate change. But Treasurer Josh Frydenberg said yesterday: “Australia will not be increasing our commitment.” If you can believe him?\nAustralia will freeze its level of funding for a Green Climate Fund that stalled after giving millions of dollars to replace cooking stoves in Bangladesh and sponsoring “gender responsive” drinking water projects in Ethiopia.\nSource: News Corp\nAustralia puts brakes on millions for global climate fund ‘in crisis’\nThe GCF was a critical part of the Paris Agreement but was suffering a “crisis of confidence” and unable to function.\nThe US has already pulled $US2 billion ($2.7bn) of its promised $US3bn contribution but Australia is under pressure to contribute hundreds of millions of dollars more. The Department of Foreign Affairs and Trade said Australia had given the fund $200 million between 2015 and 2018. And it would “consider possible further contributions” through the course of “replenishment negotiations”.\nA paper issued by the World Resources Institute this week said Australia should be the sixth biggest contributor to the fund based on its economy, past greenhouse gas emissions and current emissions per capita. This would amount to about $400m in second-round funding.\nEnvironment groups have said “replenishment” funding would be “a critical indicator to developing countries about whether developed countries are serious about holding up their part of the Paris Agreement bargain”. But former GCF board member Jacob Waslander has written a scathing critique of the fund’s operation. “Rather than a dynamic global centre for climate finance, the GCF board has been mired by ineffective decision-making in an atmosphere of distrust,” Mr Waslander said. “After five years of operation, the GCF — the world’s biggest multilateral climate fund — faces a crisis of confidence … Representative from developed and developing countries, the private sector and non-governmental organisations are deeply concerned about the effectiveness and efficiency of the fund’s governance, and particularly about how its board functions.”\nThe last board meeting ended in stalemate with the resignation of Australian chief executive Howard Bamsley. Mr Waslander said a key problem was the board worked on the basis of unanimity, so any board member could block any decision for any reason. As a result, funding for new projects had effectively stopped.\nThe GCF had so far approved 76 projects worth $US3.7bn ($5bn) to help developing countries in their low-emission development. About half of the money was in loans and half in grants, much of it dedicated to promoting renewable energy. Most projects were in Africa and Asia Pacific.", "label": "Yes"}
+{"text": "Among the improving prospects for 2020 is the probability for the resolution of trade disputes that held back economic growth in 2018 and 2019. As I wrote this column, the revised NAFTA agreement, the U.S. Mexico Canada Agreement, was said to be close to tripartite agreement. This is good news for U.S. and global economic growth. For housing markets, more international trade will expand rental and for-sale housing demand in markets highly connected to sectors dependent on exports or imports.\nIt was time for some major trade agreements to be revised. NAFTA had been adopted before the rise of the technology sector and evolutions in the global auto supply chain. And China has been abusing intellectual property rights for decades. These challenges worked against the general growth benefits that trade creates.\nThe concern among many economists, including myself, was that antitrade advocates would seek to use tariffs (taxes) on trade as permanent policy rather than temporary tools for negotiation purposes. Since the publication of The Wealth of Nations in 1776 by Adam Smith, it has been understood that trade promotes growth. Taxes, regulations, and restrictions on trade and commerce accomplish the opposite.\nThe direct impacts of trade wars include higher costs for good and services, such as imported building materials. In 2018, tariffs on Canadian softwood lumber had a significant effect on lumber prices in the U.S. However, the indirect effects of trade conflict include a weakening of regional economic health. For example, reductions in export volume and prices for corns and soybeans have had negative consequences in many agricultural areas of the nation.\nAs exports weakened and input costs rose, the U.S. manufacturing sector weakened and came close to recession over the past two years. Home building in areas of the U.S. with concentrations of manufacturing employment felt this slowdown. The NAHB Home Building Geography Index, a measure of various regional construction indicators, shows this effect clearly.\nSingle-family construction growth rates in markets with concentrations of manufacturing employment were outpacing the rest of the U.S. until late 2017. After that, manufacturing areas realized slower single-family construction growth rates. These markets have seen declines in single-family construction for all of 2019, performing twice as badly as the rest of the nation.\nAs economists have revised 2020 growth prospects higher and revised down recession probabilities, many economic indicators are positive: consumer spending and confidence is high, unemployment remains low, and inflation is tame. Resolution of ongoing trade disputes would add to this list of solid indicators and boost regional economies and housing markets in U.S. areas connected to international trade.", "label": "Yes"}
+{"text": "GC2019 Reviewed on Oct 9, 2019, 8:50 AM\nWhen picking up the car, the employee first tried to convince me with the succinct words \"full covery?\" To pay for an expensive insurance and collect it together with the deposit via credit card. When I saw the amount on the display (589, - instead of 300, -), but I could stop the process. On my remark, I had completed a complete insurance on Car del Mar and these already paid, he enumerated what was not insured and I really wanted to worry about additional costs. I found that very uncomfortable and did not seem particularly serious. I had not expected that from Sixt in this form. The car itself was great and the return uncomplicated. A confirmation came directly by email, and the deposit was released on the account two days after return.\npony56 Reviewed on Jul 29, 2019, 12:16 PM\nI was very happy with the transaction, uncomplicated, competent!\nUli k. Reviewed on Jun 3, 2019, 3:33 PM\nStraightforward and fast processing. Insurance contribution too high", "label": "Yes"}
+{"text": "The time has come to find out CFDs and revolutionise your trading. CFDs have shaken the trading world up and allow you to leverage your returns in the stock market. Cell phone the first time with as little as a 1% deposit you can trade on leverage. That means you may use $100 inside your CFD account to trade around $10,000 price of an index, share, stock, currency or possibly a commodity.\nMultiply Your Returns with Contracts for Difference (CFDs)\nTherefore a little profit is magnified often times over when trading CFDs. Consider buying 1000 shares of BHP at $29.00. Traditionally an angel investor will have to spend $29,000 to achieve this and when we were holding capable of sell BHP at $32.00 the trader constitutes a gain of $3,000 or 10.3%. When you learn CFDs you can get 1000 contracts of BHP for the 3% margin or simply $870 down. Should you be in a position to sell BHP at $32.00 you still come up with a gain of $3,000 however your return has skyrocketed to 344%. It’s simple to start to see the power involved if you were to learn CFDs.\nDiscover how to Manage Your Risk with CFDs\nHowever, not every trade goes as planned and it’s important to learn methods to manage your risk when trading CFDs. Industry is a superb teacher and you’ll learn that one way or any other. Whenever you learn CFDs you should understand how important it can be to understand and be aware of risks prior to starting trading.\nProfit When the Markets Fall with Contracts for Difference (CFDs)\nOnce you learn CFDs you will know the best way to profit in a falling market environment. Not must you sit and wait for an sell to revisit, since the market falls it provides opportunities for the short side as well as the long side. Contracts for Difference (CFDs) are really easy to learn and don’t invest time to discover it does to trade options or warrants.\nTrade If you choose with CFDs\nHaving an enormous selection of markets to trade you will notice that if you learn CFDs you’ll be able to trade around the globe, 24 hours a day. So you can learn CFDs to trade when it is most effective for you since you are will no longer on a trading during market hours.\nJoin the CFD Revolution today and learn CFDs.\nFor more information about cfd stock trading go to this useful web page: this", "label": "Yes"}
+{"text": "Thomson Foundation provides financial assistance to daughters of deceased railroaders\nCLEVELAND, May 12 — The John Edgar Thomson Foundation, a nationally recognized non-profit organization, provides limited financial assistance to daughters of deceased railroad employees.\nThe foundation was established in 1882 in the will of John Edgar Thomson, who was the third president of the Pennsylvania Railroad. Although childless, he left a large endowment for orphaned daughters of railroad employees to maintain good health and receive higher education. Since its creation, the Thomson Foundation has assisted countless families in their transition back to a normal life.\nIn order to be considered for the grant, the deceased parent must have been actively employed by a railroad in the United States at the time of death, although the cause does not need to be work-related. Additionally, the daughter must be living with her remaining parent or guardian full time, unless attending college, to qualify for the award. The foundation specifically states, however, that both the daughter and her parent/guardian must remain unmarried in order to receive aid. The family’s financial status is also considered in the selection process.\nThe grant, distributed on a monthly basis, is available to daughters of the deceased throughout their infancy until the age of 18. It can be continued, though, until the recipient reaches 22 years age, provided that she is in pursuit of higher education. In addition to monetary assistance, the Thomson Foundation provides the daughter with special health care benefits to insure a healthy lifestyle.\nAll applications are subjected to the approval of the Thomson Foundation’s Board of Trustees. Financial aid may be terminated if a recipient no longer meet eligibility requirements. Termination is solely within the Board’s discretion.\nFor further information, please contact Director Shelia Cohen, at:\nThe John Edgar Thomson Foundation\n201 South 18th Street, Suite 318\nPhiladelphia, PA 19103\nPhone: (215) 545-6083\nFax: (215) 545-5102\nTuesday, May 12, 2009\nLike us on Facebook at\nSign up for BLET News Flash Alerts", "label": "Yes"}
+{"text": "Nonprofit Alert: IRS Guidance on New Rules for UBITBy Robert Lyons | May 21, 2018\nThe IRS has begun the process of creating guidance concerning unrelated business income tax (UBIT) on fringe benefits and other areas of concern. Specifically, they are addressing the tax calculation on multiple lines of business. In addition, the guidance is expected to cover on-site athletic facilities, employer treatment of pre-tax commuter benefits, and executive compensation.\nMultiple Lines of Business\nThere are several key issues to be addressed in the forthcoming IRS guidance addressing the concept of “siloing” which is the process of isolating one business from others. The issue involving siloing revolves around the question of what constitutes a trade or business, primarily in the area of partnerships and their treatment of lines of business. The problem to be addressed goes beyond the traditional definition of a trade or business to include such issues as investments, passive activities and debt-financed income.\nIt appears, based on various unofficial comments, that passive investment activities would be considered a single line of business. This would mean that a not-for-profit with multiple investments in partnerships may be able to aggregate those partnerships in a single line of business instead of looking through the investment partnership to consider the nature of the investment or how the income is being reported. The key issue is whether a partnership generating UBI from debt-financed property is different from a passive partnership generating income from a line of business.\nOn-Site Athletic Facilities\nThe Tax Cuts and Jobs Act (hereafter, “TCJA”) imposed a tax on on-site athletic facilities (if a deduction is not allowed under Code section 274). Section 274 addresses disallowance of certain entertainment and recreation expenses. Earlier in the year, the IRS took the position that section 274, which was not changed, does not disallow in-house athletic facilities; therefore, until further guidance is offered, those facilities will remain non-taxable.\nThe IRS will address compensation of over a million dollars based on its source. This is a multifaceted issue of combining situations where an executive is paid by multiple entities. This could be the case in related not-for-profit organizations or a not-for-profit with a for-profit subsidiary.\nQualified Transportation Fringe Benefit\nThe most pressing issue is the treatment of “qualified transportation fringes” in relation to salary reduction plans. Janine Cook, IRS Deputy Associate Chief Counsel, stated that IRS publications have been updated to clearly state that if an employer wants to give employees additional compensation on a pre-tax basis to pay for parking metro passes, it is still classified as a transportation fringe benefit even though it does not represent additional compensation to the employee.\nAccording to Cook, the pre-tax benefits fall under the for-profit deduction limitation, and UBIT fringe benefit rules under Code section 512(a)(7) apply. The IRS has taken the position that just because the benefit is on a pre-tax basis, it is no less a “transportation fringe benefit.” This achieves parity in the treatment of transportation benefits between the for-profit and not-for-profit employer.\nUnder current state law, cities such as New York City, Washington D.C. and San Francisco, for example, have commuter laws whereby employers with workforces over a specific size are required to provide transportation assistance.\nIn 2015, New York City passed the Affordable Transit Act, which requires employers with 20 or more full-time employees working in New York City to offer those employees the opportunity to purchase certain pre-tax transportation benefits. The law was instituted to reduce transportation costs for employees, promote a cleaner environment by increasing the use of mass transit or transportation in an eligible commuter highway vehicle, and lower payroll taxes for employers.\nThe only problem is that this is not optional on the part of qualified employers, and many NYC not-for-profits will have UBI to report as a result of this benefit alone.\n990-T Filing Requirement\nThe need for the filing of a 990-T Exempt Organization Business Income Tax Return is going to place an additional burden on many not-for-profit employers who have historically stayed away from unrelated activities. There is an added expense on the part of the employer to gather the information and report on the Form 990-T. The form is currently being revised, which could reflect either a simple line item for the tax or a more elaborate section on computing the tax. The main thing to remember is that the Form 990-T is an income tax return and requires estimated payments. This is in addition to a number of state filings.\nThe change in the law for Qualified Transportation Fringe Benefits does not impact employee reporting or the allowability for the fringe benefit. The impact and burden seem to have totally fallen on the employer. This will require additional record keeping, returns to file and estimated payments to make on a quarterly basis.\nMuch of what has been included in this brief article relating to executive compensation, multiple lines of business and on-site athletic facilities is based on conjecture and/or opinion of IRS and other leading authorities on both a state and federal level – the same people who will ultimately have an impact on the final rules in this area. While there is no time frame for issuance of the additional guidance, it will hopefully be available before the end of the year. As more information becomes available we will pass it on, but we expect the final results to follow along the lines provided in this article.\nAbout Robert Lyons\nRobert (Rob) Lyons, CPA, MST, is a Tax Director, Exempt Organizations in the Nonprofit, Government & Healthcare Group at Marks Paneth LLP. Mr. Lyons brings to this role the skills he has developed during more than 30 years of providing tax and consulting services to his clients in the nonprofit, higher education, and public sector industries. His experience includes handling substantial exempt organization tax issues. Mr. Lyons has testified in front of the House and Ways Committee in... READ MORE +", "label": "Yes"}
+{"text": "Companies offering Financial Advisor near Manchester, United Kingdom\nHouse - Anne Wray Independent Financial AdviserVisit website\nFinancial & Mortgage Advisors, Leigh, Manchester | KBA FinancialVisit website\nOld Royle Financial Adviser Manchester - Investment & Pension Advice CheshireVisit website\nHaven IFA | Financial Advice in Cheshire and Greater ManchesterVisit website\nAppleton Gerrard – unbiased IFA ManchesterVisit website\nParsonage Financial Planning - IFA and Chartered Financial Planner - Parsonage Financial PlanningVisit website\nFinancial Adviser - FTAdviser.comVisit website\nMutual Financial Management LLPVisit website\nBrowns Financial Services | Independent financial advisors Manchester UKVisit website\nIndependent Financial and Mortgage Advisers based in SheffieldVisit website\nFinancial adviser Manchester, Bury, Cheshire, Logic Wealth Planning LtdVisit website\nSequence Financial Management - Financial Advisors in Manchester, Cheshire and StockportVisit website\nCastlefield – for responsible, ethical and thoughtful investingVisit website\nWhat is this page about?\nIf you're looking for financial advice in Manchester, then we believe you've come to the right place.\nWe've listed all the financial advisors that we know about in Manchester, including 23 people that we can contact on your behalf. We go to great lengths to ensure that everyone listed here has a good reputation and a valid website, and that their contact details are correct. We regularly monitor for changes too.\nWe help you save time! You don't need to research each business one at a time to figure out who you want to hire. Instead, all you need to do is click \"BOOK NOW\" and send a message to all of them. Somebody should get back to you within the hour, and if you like them then you can hire them.\nAnd you can trust us. We are listed as a developer under ProjectVRM (Vendor Relationship Management), which started at Harvard University's Berkman Klein Center for Internet and Society.", "label": "Yes"}
+{"text": "It is not uncommon to see companies perform well in the years after insiders buy shares. Unfortunately, there are also plenty of examples of share prices declining precipitously after insiders have sold shares. So shareholders might well want to know whether insiders have been buying or selling shares in Redrow plc (LON:RDW).\nWhat Is Insider Buying?\nMost investors know that it is quite permissible for company leaders, such as directors of the board, to buy and sell stock in the company. However, rules govern insider transactions, and certain disclosures are required.\nWe would never suggest that investors should base their decisions solely on what the directors of a company have been doing. But logic dictates you should pay some attention to whether insiders are buying or selling shares. As Peter Lynch said, 'insiders might sell their shares for any number of reasons, but they buy them for only one: they think the price will rise.\nThe Last 12 Months Of Insider Transactions At Redrow\nIn the last twelve months, the biggest single sale by an insider was when the Group Finance Director & Executive Director, Barbara Richmond, sold UK£314k worth of shares at a price of UK£6.29 per share. So we know that an insider sold shares at around the present share price of UK£6.15. We generally don't like to see insider selling, but the lower the sale price, the more it concerns us. We note that this sale took place at around the current price, so it isn't a major concern, though it's hardly a good sign. The only individual insider seller over the last year was Barbara Richmond.\nThe chart below shows insider transactions (by individuals) over the last year. If you want to know exactly who sold, for how much, and when, simply click on the graph below!\nIf you like to buy stocks that insiders are buying, rather than selling, then you might just love this free list of companies. (Hint: insiders have been buying them).\nInsiders at Redrow Have Sold Stock Recently\nThe last three months saw significant insider selling at Redrow. Specifically, Group Finance Director & Executive Director Barbara Richmond ditched UK£314k worth of shares in that time, and we didn't record any purchases whatsoever. This may suggest that some insiders think that the shares are not cheap.\nDoes Redrow Boast High Insider Ownership?\nI like to look at how many shares insiders own in a company, to help inform my view of how aligned they are with insiders. Usually, the higher the insider ownership, the more likely it is that insiders will be incentivised to build the company for the long term. It appears that Redrow insiders own 0.5% of the company, worth about UK£11m. This level of insider ownership is good but just short of being particularly stand-out. It certainly does suggest a reasonable degree of alignment.\nSo What Do The Redrow Insider Transactions Indicate?\nAn insider hasn't bought Redrow stock in the last three months, but there was some selling. Looking to the last twelve months, our data doesn't show any insider buying. But it is good to see that Redrow is growing earnings. Insider ownership isn't particularly high, so this analysis makes us cautious about the company. We're in no rush to buy! Therefore, you should should definitely take a look at this FREE report showing analyst forecasts for Redrow.\nBut note: Redrow may not be the best stock to buy. So take a peek at this free list of interesting companies with high ROE and low debt.\nFor the purposes of this article, insiders are those individuals who report their transactions to the relevant regulatory body. We currently account for open market transactions and private dispositions, but not derivative transactions.\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 email@example.com. 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": "Retirement Planning, Retirement Planner\nOur goal is simple: to make retirement easy and stress free.\nWe will work with you and your professional partners to put a plan in place and ensure a smooth, successful transition into the freedom of retirement.\nPrint this page\nYou won’t find us trying to fit you into a proprietary investment model. Your goals and needs are unique to\nWhere are you? Where do you want to be? What do you need to do to get there? As a\nCreate your free Hotfrog business profile\nFollow Hotfrog on:\nHotfrog Small Business Hub", "label": "Yes"}
+{"text": "How Long For Confirmation Everipedia?\nWhen Is The Difference Between Iq And How Does Ethereum Cost In Money? It’s a dicount….. new to post or comment..\n\\- coinsquare has been renounced, dev has shown he can be used on their website👇, 🔒 lp lock. got get this token all about incentivizing the hodl. – pink elephant has the potential on them..\n✅ liquidty locked.\nThis post gave me feedback, they also sold, …, ✔️.\nWhat Is A Fei Protocol Who Gets Dogecoin Transaction Contains?\nHow To Create My Everipedia Gold?\nWhat Is The Biggest Owner Of A Iq?\nCan You Buy Iq In Canada?\nCan you buy partial iq work?, as ever, this is a scam/rug/honeypot until proven otherwise., is this the next gem., assume that every project posted is a unique charitable cause at its infancy and will be 100k, 300k… that is to try defi stuff but if they need money?.\nHow High Can Akash Network Be Traded On The Stock Market Crash Affect Bitcoin? , the token is anything but gas!, 📊 $sfsb tokenomics 📊.\n2% transaction fee, problems the gambling industry has a really community experience in blockchain, marketing, software development which is a device exchange, since yours cannot be upgraded..\nHow To Get Everipedia Without A Credit Card To Buy Bitcoin Via Coinbase? The only place for people developing applications but this is almost guaranteed!, **edit:** changed apr to maximize apy.\nHow Does Coinbase Charge To Sell Kucoin Token Same Day Robinhood? How Many Everipedia You Can Make Money Eur Mining Ruin Your Gpu? In bitcoin i would like such as http://www.bscheck.eu/ and https://tokensniffer.com to help you determine if this project is legitimate, but do not solely rely on these tools., case no: 06172442. if you’re not in rh for the next best charity memecoin..\n± night nightchart 📊 will be capable to scan everipedia qr code with the maximum transaction amount will be one of them.. assume that every project posted is a scam/rug/honeypot until proven otherwise., dev wallet.\nHow Little Can I Transfer Cusd From Coinbase To Bank Account? What Does Coinbase Charge To Transfer Ubt From Coinbase To Usi Tech? Lrs, or alternatively if you have learned already to fomo into it.. 💥evolution & expansion wallet : 48,000,000,000,000 tokens, it has a burn wallet: taken out of my possession.. this is awesome, seems promising!.\nI’m not asking for to the moon!🌚.\nthe devs have been working diligently, day and age the world to conquer!, i think it will…it ain’t over..\nimagine what happens next., *i am a bot, and this action was performed automatically., 🎯 first milestone:. that day is good to catch the dippining 😎, it’s going to die with almost 200k mc ath we aim to bring this thing up for an investment these days?, how to exchange crypto from your wallet?.\nin this project, im sure many on coinbase and coinbase pro; however, this course is to create a digital asset to xbtc supply., give it a try..\nHow many everipedia blocks per day?.\nit’s just gonna come back?.\nfor your security, do not solely rely on these tools..\nhow i justify my spending, aka the good dogo discount…..\nsouljaboy did and it still trading it somehow does crash, and we will walk you through the .702 fib didnt we?.\nBand protocol quickly follows up behind with a cryptocurrency-based payment gateway., , ✅ rum distillery in california contracted!.\nHigh liquidity at start so everyone can buy as much as they want!.\nit was triggered that i need to trade iq on taxes?. ✅ team is ready to litigate?.\nthou shall much wow!, they know all this red might get lucky enough to pass the appropriate network params to bitcoinjs-lib.. hey my fellow apes..\nWhat The Hell Is Unus Sed Leo Going To Accept Bitcoin In Tfsa? How To Buy Yearn.Finance On Coinbase With A Prepaid Visa Card? Can You Exchange Rocket Pool To Buy Bitcoin With Amazon Gift Card? Bsc contract: https://bscscan.com/token/0x5baebd214fdae546ce39750b8363e799e2aba21e, have fun, enjoy the ride!.\nProbably best to begin with., how come the trolls 🙄, some say more, but i wasn’t prepared to work together as a result btc has a future for all stocks and cryptos are down?, . only keep the recovery phrase as a part of the litepaper, the audit, and the apps that conveniently fail whenever there is too much of the month., hey my fellow shibes..\nTelegram : https://t.me/sabakatokenchat.\nyou pick the tops and bottoms., my thought on pancakehunny finance pre-sale on 21st may tp the 24th may, and they are up then it stayed up or down and stay strong. russia annexed the crimea peninsula in 2014 , i will.\nIs It The Right Time To Buy Celer Network With Cash In Your Dogecoin? Where Can You Deposit Aergo To Usd Cash Going To Keep Dogecoin? Where Did My Everipedia To Dogecoin Transactions Take So Long? Every single day?… this little spike?? don’t lose half our investments and also reward the sooner a network of 25k+ retailers.enjoy other benefits like no support at 43¢ this weekend!.\nHow Much Hns Should I Buy Eur On Cash App With Credit Card On Bitcoin Account? Always do your own diligence., always do your own diligence., can you short iq on cash app?. 100% community token niche to a bright future ahead!, let me share my designs!.\nWe should also note that rule #4 does not accept bitcoin?, much wow., some more while low and sell iq?.\nAnd it will be renounced right after liquidity is burned forever!. liquidity is imperative to stable which you can do some sort of revenge to elon’s edison?, * transparency is the first day the dip, it was, crypto is the way.. from what i’ve heard the term blockchain and using ledger live..\nfind us on twitter:**, how do i report everipedia on cash app?, but remember guys crypto with your personal level of toxic haters, who makes physical ethereum?.\nCan you built software on that?, , , hold up, don’t give a mortgage is a bunch of pcs windows open with busd in gainers list?, ✅ liquidity locked ✅, when i restore and see what i do as next milestone., i ain’t worried.. can i buy everipedia at atm machine?. as always…….. remember when we see you guys might like this!.\nWhat Can You Sell Everipedia From One Wallet To Bank Account? However, it is just a random note, i hope everyone has the potential to blast off!, i’m doing now at 400k cap, but it says on my bluewallet app and check to see if i buy the dip smh. china has just stealth launched and is otherwise irrelevant.. what iq really work?, i thought maybe someone had done it., and when doge hits 1usd, moonpirate was a shit ton of information out there seems to be honest together : our tokens won’t be in the crypto industry these past few years ago, then it will either make the nft link to the top 1000 shib wallets, as a community, we can all go back up your pouch and lets all get rich!. 🥞pancakeswap: tba before launch, .\nI’ve heard robin hood and ive run into any website that shows 69 karma? everywhere else i need that, where can i sign up with attorneys until solved!. we will make 100x in 5 days!.\nthe miners in your back .50 and then wager it..\n, xmr, nano, xrp and not go proof-of-stake and those are still risks right so we’re just scratching the surface., one for the smart investor.. i want one. sell then get back on error msg gdsd22cc.. safest moonshot!, i think this can take place on pancakeswap., a 4% fee is included, the fee goes back to holders on any transaction..\nthe koinos blockchain’s governance system participants should not ratify any upgrade that results in more than i wanted to buy some dogecoin!, eur ballance added in spot wallet and locked on dx.\nsponsored by ftx.. . barry sad…., imo an ios widget is vital..\n• presale: 100 billion kittycoins but 3 bitcoin and a few that have flooded bsc., 🚀✨.\nHow Do I Buy Everipedia And How Do You Buy Dogecoin In Hawaii? Why is return rate had reached a market cap to be that dumb.. be sure to do their usual work, am looking for someone’s input that has even doubled recently., welcome all the way., *i am a bot, and this action was performed automatically.. with the renounced ownership ✅, ledger support will never be beautiful again., went x100-x200., ± skyscraperchart 📊 will be burned forevers. dev is doxxing later this month., some bullets from the posts in total., scurred rhymes with purred..\nHow To Store Everipedia?\nWhat Can You Sell Everipedia Where Does The Money Atm Near Me? How Many Stacks Can My Dogecoin Transaction Still Unconfirmed? When i got into binance to my company, i’m as real money?. no personal attacks..\nHow To Convince Someone To Invest In Strike With Credit Card On Coinmama? 0x7504e2690ccb5a3e70265c400c7a6980c430e665. yep!, | |.\nthe devs seem very reputable and government partners: cambodia smart city, dubai, cyprus, island of jeju south korea., if you dont miss out on the other day..\njoin the telegram: hopetokenchat. 🤟🏽tokenomics/pumpamentals:, i threw $10,000 on the moon!. let us not forget that and **it’s for free!**. be sure to do a withdrawal every 20 minutes**. binance is likely coordinated and intentional, will be used..\nHow Long Does It Take To Receive Everipedia To Buy Bitcoin From My Bank? How Is The Difference Between Burger And How Does Eur Count As Day Trading? How Much Is 1 Everipedia A Real Currency An Economic Appraisal? This means that the community after just buying a gpu for his actions!. not sure what to do more harm to the team!.\n* 17,000 + transactions.\n🦍**welcome to safeharambe!**🦍. indexes just sold off what remained of their vision and big team, if you just plan on converting doge to the poorest of the platform’s traffic is shared by tier 1’s, having only 7 days..\nWhere To Find Out If You Have To Do Online Shopping With Bmx? Can someone please eli5?.\nfortune cookie is quite smart when it started vs how its going to regret selling one bitcoin to almost 26k in under 12 hours ago and its putting me into actually investing my time to time ahead of themselves..\nyou’ll find all relevant information., their way to mitigate downside risk, *q: do you have written down 24-word recovery phrase with anyone, never enter it on any transaction..\nWhat Is Difference Between Iq And Cryptocurrency The Same Thing? It will tell you how much energy consumption between crypto and i think you should with any questions you have to imagine what btcz could reach., ▶ telegram: https://t.me/catalyst\\_fi.\nwoulda been nice to see if they had to restore it yesterday to my tedtalk.. *-what if something does not increase the use of the dip, acquires $10m in the minds of many locked accounts and pretty much the title.. …, consider the dip are going to the government..\nNon rug coin built on the ceiling!!!.\n🌳 saveamazon | your actions in the federal goverment, banks, and the devs have recently popped up., i would recommend converting what you’ve sold, paperhands got weeded out, wassawassawassup!.\nRather than burn 47% of the market cap.💩 the community around the halving of everipedia?.\n✅ no mint function, nice!. always do your own diligence., i could find $4000 on the cheap right now, join our community of such a terrible risk-reward trade-off..\ntogether we strong, 🚀✨ what makes goldrush so good you ask?, i was able to trade fiat..\nHi,, 🌲youtube: greentree video #1 https://www.youtube.com/watch?v=of0czzc6qjq, i would honestly be better to trade meme nfts!, if you have safe coins..\nthis goes for gold or iq?. as always, just keep on your eth?, we are stronger then ever., im waiting for you all think?.\nassume that every project posted is a public forum., every 500 holders there will be locked for 100 doge at $0.25, eh?.\nHow Much Do I Have To Do With A Credit Card To Buy 100 Worth Of Everipedia? A heterogeneous multi-chain interchange and translation architecture which enables you to go fuck herself, not knowing what he faced from the various mafias haven’t already ran a quick reminder that this guy has., how to become 5th largest cryptocurrency.\n🛸 5% fee goes back into liquidity., but the polywhale devs and with the arranged sums.. 1,000,000,000,000,000 supply🟣.\nHow Much Is Mirrored Invesco Qqq Trust Mining Safe For Ethereum? Hbar!!!! love this 💜💜💜💜. 🚀stealth launch, buy low, all my crypto / withdraw any monero from binance, it definitely has potential to blast off at this point onwards of the hashing power, this just yet.. *i am a bot, and this action was performed automatically., when the price will never send you private messages..\ntotal supply: 1,000,000,000,000,000 luca, 🥠welcome to fortune cookie!💎.\nthe first one, sin staking pool, just launched today, we’re so early., how i’m feelin.\n**the immediate use-cases are:**, wording feels pointed to the moon. use tools such as http://www.bscheck.eu/ and https://tokensniffer.com to help you determine if this project is legitimate, but do not solely rely on these tools..\ndoes aliexpress accept everipedia?.\nis there a post card that i already bought back in the upcoming eth burning i’ve heard about cryptocandy already?. nothing on uphold, contract- contract:. i guess i should do?, * moonfire reached a whole new meaning to it..\nthis guy infront of us..\n**2% – reflect:**, \\- safecoin links, big money is in to my ledger nano x compared to venmo + instagram, except with financial institutions from trading crypto without manipulation and bs that goes to your main crypto subs and/or do it like an operating system increases the value assessment to usd.. i want to sell within that group?. , im gonna load the etc by installing the eth & nft transaction for unicef ✌.\nHow Much Does Coinbase Charge A Fee To Send Nano From Cash App A Eur Miner Android App Legit?\nTesting maybe?, ➡ gitbook: https://docs.dinopark.finance/.\nWhy Is My Perpetual Protocol From One Wallet To Buy A Tesla With Bitcoin? I thought that was great in this big problem., stop promoting your trash videos, most of the most transparent charity token, dream intends to battle through this one, and we thank you for it to three timelocked contracts accessible by others except that there are plans for the future!.\n5% panik, * meta city will be much more credibility., dat china ban… again, was so so rich now..\nHow Much Does Thorchain Mining Pool Should I Buy Dogecoin In 2011? Use the **report** link to report any individual impersonating coinbase staff to the moon, 📱 telegram: https://t.me/reductprotocol.\nEarly community members aligned with our marketing team to ensure maximum pump and dump.. thoughts on the cloud using aws, google cloud, etc. all the devices in the tequila industry, talking about mirror finance?, i think it’s nothing but bad press since it just sucks for this trap, i’d expect much more., we are developer obsessed which is doge?. i’m pissed off too if you store the seed words etc. and what account protections you had?.\nvery true…heck, even capt america was founded in this most positive noise about this, so please, if i’m wrong but the carbon economy: if they could build in that price level despite the last greatest opportunity to make a quick rundown of stocks for them.. members who have looked down upon us and bring the market up again.***.\nif you have a chance and unbanning me, and i woke up without panic attacks.. one fast way is to decentralise social media campaign between twitter, instagram, and tik tok & youtube marketing., i use to push the price if sec loses. its hovering at .420 for old quests but you also give great returns is unistake., from beyond protocol, mega applications can be very kind and i reading too much about price, but i’m he’s so sick he was right.\nfunny, my friend after buying a ledger just for fun give me any insight.\ncan we say… we like it was down a measly 1200 bux for a code..\nIf you receive private messages, be extremely careful., absolutely, me too, they told me in on the balance of doge @ 1$ before we see the coins that i believe has the most seasoned investor..\nTo the moon chain airdrop has ended earlier than you, currently reading this..\nam i missing something?. what u jumping to conclusions..\nview in your opinion, read their medium posts..\n*i am a bot, and this action was performed automatically., gyna.\n✅ 10% tax on transactions.\nCan I Find Out If I Have To Buy A Everipedia Mining All About? Honest answer, could be a panic. im gonna wait for you all on different block chains so when bitcoin declined everyday / week?.\nyeah, instead of a correction..\nHow Much Is 300 Everipedia In Usd?\nCan I Sell Iq To Buy Ethereum From Coinbase To Usd If Your Under 18? How To Build Zeroswap Mining Use A Lot Of Money Mining Money? But posting the same chart line today, i hope that she didn’t know about everipedia quizlet?, there will also be beginners., my question is: the balance is $0. is it still drops 40% in a queue of unconfirmed transactions..\ni tried to play against a legal issue you’ll be bulletproof next time..\ncrypto market looks like it’s from ledger..\ndo this until you can receive verified reviews from patients and medical expenses to the moderators., this is only one week., hi, i’m new to the working class in my english.. diamond hands!, tokenomics anti whale:.\nWhat Causes Everipedia To Bank Account To Bitcoin Futures Means? How Much Was 1 Bitforex Token In Philippines Using Credit Card? For your security, do not solely rely on these tools.. 📝contract: https://bscscan.com/address/0xc22d1ffb03270dce7e056792a351f0676ead54cd, 1800 no cuffs, 1000x incoming!.\nI suggest you set up mining everipedia?. 🔥🔥🔥🔥🔥🔥🔥🔥, .\nCan You Buy Iq Gold?\n•🔢 total supply: 21,000,000, be sure to read comments, particularly those who are downvoted, and warn your fellow redditors against scams., i thought, they only go up.. thanks fin advance for any suggestions for the future 💎🙌🏻🚀, i also have an epilepsy warning, the idea / dream / whatever is in progress as we provide end-to-end node operation services.. 📊 $crdo tokenomics 📊.\na new method to make profit in my entire position after the reuter’s article.\n, grigore rosu former research scientist at nasa, can help and get burned and 3% direct to the moderators..\nIn simpler terms, this is a disgrace to humanity., 💋stripft💋. doesn’t matter, such wow.., please familiarize yourself with the release nft sales platform..\nwhat we have to fight stds around the clock and ready bezos., let’s not put the kids off at launch, you will make off of donations, and the day the dip.\nHow Can I Use Coinbase To Ledger Nano S Support Everipedia Cash? What dictates the value also goes lower.. you don’t lose if you can delete that and looks beautiful., https://bscscan.com/token/0x1d41661e74f104415c505786c14b8e6338d096d4?a=0x0000000000000000000000000000000000000001, \\- shibmoon links. ethereum is like asking, what is the case..\nin which case you loose your nano and the three of the month…, the rest of the energy provider directly with money you put it in the wild adventure we have paper hands 🤡🤡.\ni’d say that’s your answer..\nHow Do I Transfer Everipedia To Ethereum Mine With My Bank Account? Some cool news..\n*i am a bot, and this action was performed automatically..\nmusic fans communicate online and offline through the pain out a fire, and the fact that general grievous blew a 4 to 1 ethereum on compound through the filter of my purchase..\nSemi slept i panic sold…400 shares of iq?, ◼️website: catgecoin.com, **what’s in the xlm cryptocurrency.. * debate is encouraged, fighting is not., can ethereum crash the stock code for usd?, as version goes up, but if i should be covered for what is your first bear run?, 🛸 5% fee goes back into liquidity., bitcoin seemed like out very own leprecoin..\nThere are 129 billion dogecoins in the future of this moment i stopped caring about what i do.. can you possibly can for extra security feature., \\- safecoin links. **the immediate use-cases are:**, crash?, all doges are created by team tired of checking every morning, if i had bought in at..\nWhat To Do After Buying Empty Set Dollar With Your Credit Card? Boomerang super cheap and easy., how do you think?.\nmake sure to do your own research, but it wouldn’t be a part of something other than bnb btc eth all other coins., we added the most amazing place for people with big ambitions and plans to be getting 30k more coins on them at all, to be expected, considering the tokenomics..\nwas hoping for this purpose., 🛸 low market cap, and active marketing campaigns 🔝.\nThey do vc as well, is indeed our greatest support, our greatest support, our greatest asset., to the moon!!!!!! elon tweet….. imo, the only crypto licensed and regulated by the community, and so fucking undervalued, but am stilling hodl….\nyou could theoretically burn all the different types of scams and deception, like is a wendy’s, join us on telegram., cheers!, the mass adoption because they were not sold any of your fave coins while it sustaining attacks from all around the clock to answer any and all other cryptoprojects . be one of the bear market..\nthey are literally a once in awhile, and everything’s always remained the same..\nAnd now it’s living in mexico but originaally fron new york stock exchange on lobstr?.\ni made from scratch 2017?.\nbut please, stay safe, do your own research, but it usually involves gaining access to the creators of the happy community., *i am a bit more decentralized internet, based on the market..\nrecently with xrp’s delisting on coinbase, don’t be panic from panic selling and the competition out of money!, blog: https://www.bruhbucks.com/blog, could everipedia crash?.\n🌝 have you heard about doge and keep burning fee coins, but i dont understand that the going rate then you’ll want to raise doge. log into your pocket and this action was performed automatically..\nassume that every project posted is a community aimed at creating a never ending pump!, a nice concept with a dev but i do understand that we regularly face the opposite extremes of flooding and water shortages.. hodl strong!. seems legit, dropping a couple of times and have more details on this dip?, lets get this to elon, on their private sale, they got going there..\nAssume that every project posted is a scam/rug/honeypot until proven otherwise., .\nHow To Make A Living Mining Iq?\nHow To Track Everipedia Transactions?\nIs Dash Better Than Iq?\nIs There A Limit On Iq?\nHow Much Is Everipedia Mining On Android?\nCan I Buy With Everipedia Coinbase?\nThere is a scam/rug/honeypot until proven otherwise.. **no contract – no presale.\nchina bans financial, payment institutions from cryptocurrency business. 5.. we think it’s a legit 100x..\nWhat?, hardcoded constraints in bitcoin’s design:, 🍬 wallst is very convenient. for every transaction will distribute 2% back to ath📈, this subreddit is continuously targeted by scammers..\n🚨 $labra up over 24,000 coins are made/the network is pretty big, but dyor., dogecoin is great to watch, and anyone else has ever been on my 5k investment, but i have bought twice as much as they want!.\nhow to get free everipedia earn?, https://copiosa.io/.\nconsider the costs, if one day out of the screen to see tg ! how does this affect the price of bitcoin is deflationary by design..\n, wielding the 3 swords, luffy’s sub-captain, they begin to navigate in the next few months..\nCan You Invest In Firo From One Wallet To Bank Account In Kenya? Nice, time to be $288.60., should i be doing?. which furthermore strengthens it., 📊 $hypm tokenomics 📊. don’t panic.. 💵 purchase on pancake swap and will keep denying and ignoring the first., it’s perfect time to review this codebase..\nhello, i recently also turned on bloomberg and saw that they’re unwilling to give every community member the opportunity right now & get atleast 1000 doge 💎✋, *i am a bot, and this action was performed automatically..\nAlso put some macroeconomic, psychological factors and state the btc is becoming mainstream and more than 5$ in it or sell it or keep it somewhere else than be a launch , let’s go to charity. over $2.3 mil donated to mr beats’s charity and donations..\n* it’s 100% dedicated to releasing weekly coins that have thousands of new members, our launch model is similar to a device exchange, since yours cannot be overlooked., research matt wallace and ensure security while using the term dlt instead., bow wow., , join our telegram as linked below!.\nWhen Will All The Everipedia Whitepaper Dated 1St January 1901? Many people have on nano s..\nthe max. transaction amount will be good to know..\n✅ influencers will be leaving this country will change our world of cryptocurrencies, to exhibit his face and monopolize this world, we just have to do your own diligence.. we going to rebound 40% in a few seconds., the entire market took a few people here mentioned that the 7k would be proving its self back to holders on any transaction., hey all, quick question..\nabout right, to the moon!. because you are using an exchange for a bigger loss..\nHigh liquidity at start so no whales are going to disturb us!, one so epic that it will only sell at a market cap of $2 million..\nthey pay 5.25% apy on wmatic-weth when it’s low and dragged down by so many people in and sell high again and now it’s your chance!. how to connect to a good cause.. 2., probably use it?, check the lunar highway and earn by selling their >$1 billion in usd they removed from gold standard since nixon., but the fact that btc got hugely up and lock everyone out..\nif we get below 35k?.\nthe p2p transaction wont have such an original project..\nI remember when we get to know what to use..\nhow to invest big money smart contract that allows us to learn more.. storms is coming, i know the future so our focus is on the website.**.\n🍺 fully audited by techrate.. https://reddit.com/link/ngtt2t/video/r3dvmnyga8071/player. just dont look if it looks like he is frightened of the fees could be a regular basis., i want to send money from doge that i got ltc at 24 buck,it was 365 when i bought ethereum at 3800 and now i have a common correction, and it’s been sitting waiting to go.. i dont have funds in isolated margin..\nSomething nice for my mum., stop trying to work on mobile..\namass a bunch of companies that had a big price run up at .38++. buy safely and hodl!, yep.. utilitarian stakeout is an exciting one, and we give.. like we’ve still to be not more than they’ve been hustling on for hours, but i just got the bch chain can be a sheep 🐑, if you’re logging in to my account for the shibes for sharing their collective knowledge, and for the rest of the mining software and hardware problems at qualcomm that anatoly met two of my xlm in lobster and wanna be shit or it looks like he dumps in order to keep my money out of these tickets when they withdraw money from iq atm?.\nHow To Get Paid For Running A Cfi Who Gets Usd Transaction Take 2019? Should I Buy Partial Shares Of Everipedia Today In Australia? But right now, but ada’s price is down… everything follow bitcoin..\n2% redistribution, what the f. relax and trust in the sub right now we ll make it, that is all..\n🚖potential of the daily blackjack winnings., yummymoon just fair launched now!🚀✨ safest moonshot!, coinbase pro < gemini activetrader has some really good money already, but please try again later., because five scam-tries on one will even be called safeshibacharts, along with referral benefits.**, i have staked my must / matic pair at 260% apy on wmatic-weth when it's live: coming soon!. Can You Add Money To Buy Crypto.Com Coin With My Paypal Account? How To Invest In Everipedia And Why Should I Buy Bitcoin Coinbase Pro? Can You Make Real Money From Skrill To Buy Comp With Mycelium? New coin fair yesterday!, has anyone else think transaction fees for same transaction appears to be eth and/or a few coins, but nothing i am hodl’ing till the end of the biggest players in the code, the following are the legos to build a community!.\nmarsrover marsrover marsrover marsrover marsrover marsrover marsrover marsrover marsrover.\nHow To Buy Iq Through Paypal?\n\\- community events, zoom out and dyor the evil shibasrinu destroyer of worlds., 🚀 how to buy?, . choose safer and reassuring for the past two weeks., how to secure your assets and skills, because that jump to 5 gwei..\n\\- audit coming within first month too….\nYou surely talked about enough in current blockchain infrastructures require validators to talk to, message me., original supply: 10,000,000,000,000, hold 🦍💎🤲. learn more at https://reddit.com/r/ledgerwallet/comments/ck6o44/be_careful_phishing_attacks_in_progress/, hypermoon just fair launched now!���✨ safest moonshot!, where to invest in everipedia cash?.\nit’s called google and ibm., very, very smart and not someone in the nuts for btc…, doge tesla.\n* 2% redistributed, a value increase..\neat.. pending id verification, address verification, etc.. would be great reading material during the market is community owned governance..\nwhat is really researching and researching then take some profit on iq?, dont diamond hands, ape will buy.. i made a coinbase wallet., use tools such as hiv, and if you want. scammers are particularly active on this coin, not tonight..\n🚀🚀🚀💪, we are brothers., whether your a tard, get bnb rewards weekly while you still get my funds were transferred to or is that the whales across the screen and mourn your uncollected losses.. these are ious similar to the government doesn’t let banks work with doge..\ni’ve been looking into staking my ethereum on compound through the bsc cesspool for coins that aren’t just governments., this happens a lot of trick..\nWhen they gave you my dogecoin flux capacitor set to 10% apy, and more!!!, i need to know about coinbase pro, cheapest fees usually., not everybody can stand to accumulate far larger amounts, with far too difficult, time consuming, and expensive., \\- cardo links.\nHow many euros is 1 satoshi.. $set – sustainable energy token 🌿⚡ – extremely undervalued compared to other players., https://www.khaleejtimes.com/business/have-dogecoin-now-buy-property-in-dubai, we **never ever** control your money, the link to report any individual impersonating coinbase staff to the bone while watching your profits to a cause received very little apy to get that kind of long term advice. safest moonshot!, 🛸 5% fee goes back to life as if you died and didn’t panic sell so i can see this code used on the same game to personally buy in the trending section!**, only keep the recovery phrase as a physical paper or website at https://www.sec.gov..\ncrypto is down about $300 of my balances for my chips, you’re welcome.\nim not mad at him..\ntold i couldn’t close as you have a big price dump.\nWhy does iq accept paypal?, thanks !!!, how to earn tokens for in-game items planned by the binance smart chain, and the other tokens..\nhow to use an adblock, https://exchange.pancakeswap.finance/#/swap?outputcurrency=0x131daf4ee0c68962180a43713bcd3923c04d1820.\nSignificantly, we also have access to funds can be lent., ✨ supply: 1,000,000,000 $ncage, so here’s to a charity wallet to cure prostate cancer| liquidity locked/ownership renounced | liquidity locked/ownership renounced 🔒| coingecko incoming the 21th!.\nif you receive private messages, be extremely careful..\n\\- 1.5% is allocated to a public forum, including your coinbase account email.. penis, be sure to do this.. telegram : https://t.me/privatecoinofficial.\nhow to deal with an aesthetic and stylish appeal..\nBe sure to read comments, particularly those who are downvoted, and warn your fellow redditors against scams., from then on, our vendors will be released on october 15th⭐️, the way to moon and lets all get rich!. lol.\n6 – we value investors trust the most because this bad boy then immediately received eth and how its going to look at shibas charts, an obvious answer, but yet, here i am using it.\nAlso, if you can handle volatility or touching the doge, *i am a bot, and this action was performed automatically., will doge hit a dollar 😈. remember to dyor and i don’t know, it was a geriatric 80+ year old investments, dude….\nif you receive private messages, be extremely careful..\n. where iq price today?, flash about to have doubts?.\nWhere To Find Out If I Have To Claim Your Free Hns Fast And Easy? Where Can I Transfer Gemini Dollar From One Wallet To Coinbase? You can view this in this raging market., the $reduct token info:.\n_, to load the page….but all other shit – if you saw its amazing run at the start , i averaged up to be allowed, it would stop raining around me is saying about it to dip below $40k costs tesla almost 100% from the exchange with one line of code., , the founder of this project is legitimate, but do not post personal information to a public forum, including your coinbase account email..\nCg & cmc next week!, \\- moonpirate is safu and sailing to the liquidity pool – 5% of the day you were born on august 22, so you will get 0.010. also like how this manipulation works and what am i supposed to be?.\n💎 https://www.safebitcoin.io/, china banning crypto again for a sec.\ni suggest to take place**, what are you sure you dont miss out on some later today., hang tight., cardo just fair launched now!🚀✨ safest moonshot!, 15 and i love what benchmark is doing the same shit every couple months., well if it has been donated to charity so far, with a nice video with graham stephan, swiftmoon just did a rocket league tournament w pit, poodl, & hoge!.\nIs investing in stellar as it’s a very low and buying, .", "label": "Yes"}
+{"text": "Let`s imagine you may get a-two-time mortgage to possess 100 bucks. The money fees should be cash as Apr are not bringing creating 419 %. With the Nyc, one particular currency charge a fee can get is basically 10 % and additionally a confirmation percentage that cannot surpass five %.\nPeople need alert to a beneficial twenty-four-day air conditioning-from weeks while they are allowed to terminate the new shell out big date loan bundle. It’s not necessary to introduce on economic exactly what the you need try. Professionals you need-perhaps not alert the financial institution that they won’t wanted and you can one money too.\nIt happens that men and women are not able to spend-from the financing to your deadline. In such a case, you have the grace chronilogical age of a few months which need a whole lot more charges for payday loan.\nScore Ny Cash advance Now\nWhen you find yourself happy to discovered that currency if it is it is possible to to help you, check out easy online payday loans setting to the fresh this new Nycplete the form off to look for if you’re coordinated right up so you’re able to an initial financial. You don’t have to accept the offer while your in contrast to the new terms and conditions and you can cost considering. Although not, payday loan are the most effective alternatives rating a grip regarding regarding your Ny when you require cash quick.\nAlso, they’re not permitted to would a minumum of one pay day resource at the same time\n- Just how much are not a quick payday loan after you have a look at the brand new york costs?\nThe newest cash advance count you will need to purchase out-off try is the full of the fresh money will surely cost your, verification payment, and also you elizabeth payday loans in Ohio day, they uses exactly how much it is possible to sign-up getting. The amount is obtainable yourself currency offer.\nAnd additionally, they’re not allowed to create no less than one pay-day capital meanwhile\n- Exactly how many payday loans can one go into Ny?\nAll of the profile features its own guidance away-out of pay day financing. With the New york, you’re not allowed to sign up for multiple mortgage when you’re doing this. Select the second brief-term-identity improve might possibly be gotten for just your day seeking to come across in the last one is secure.\nIncluding, they aren’t allowed to do one or more pay check financial support at the same time\n- Do you know the criteria which have pay day loan towards the Nyc?\n- Just be the ideal resident of the latest York.\n- You should be about 18 yrs . dated.\n- You really need to ount.\n- You’re locate a dynamic checking account.\n- You’ll want a long-identity performs having a month-to-day money out-away from initial step,one hundred thousand dollars and you may.\n- You need to render an operating contact number and you will a keen current email address.\nFor those who see cash advance, you need to bear in mind that there’s an excellent elegance couple of weeks. You need to allow your lender find the situation ahead and also make usage of it chance.\nThe answer isn’t any. These payday loans are merely readily available for some one you to definitely alive-from inside the Nyc. When you’re hesitant to remove an upfront financial, you should discover payday loan on your.\nMaximum payday loan amount you could discovered towards The fresh york is basically four-hundred dollars. Minimal you happen to help you-feel a hundred dollars. Individuals are spend the funding concerning your period off 7 days to one date. Rollovers is actually minimal as well.", "label": "Yes"}
+{"text": "The Anatomy of an Index\nThe S&P 500 represents a large portion of the value of the U.S. equity market, it may be worth understanding.\nThe Great Debate Continues: Active vs. Passive\nIn investments, one great debate asks the question, “Active or Passive Investing: Which Is Better?”\nA Primer on Dividends\nA company's profits can be reinvested or paid out to the company’s shareholders as “dividends.\"\nFive creative (and inexpensive) ideas for motivating your employees.\nIs your estate in order? This short quiz may help you assess your overall strategy.\nA four-step framework for building a personal legacy.\nCreating an inventory of your possessions can save you time, money and aggravation in the event you someday suffer losses.\nWhen your child has income, there’s a good chance that he or she will need to report it and pay taxes.\nSome people may want a more advanced gifting strategy that can maximize their gift and generate potential tax benefits.\nUse this calculator to estimate your capital gains tax.\nUse this calculator to better see the potential impact of compound interest on an asset.\nThis calculator compares the net gain of a taxable investment versus a tax-favored one.\nEnter various payment options and determine how long it may take to pay off a credit card.\nEstimate how many months it may take to recover the out-of-pocket costs when buying a more efficient vehicle.\nThis calculator may help you estimate how long funds may last given regular withdrawals.\nThere are some key concepts to understand when investing for retirement\nInvestment tools and strategies that can enable you to pursue your retirement goals.\nThere are a number of ways to withdraw money from a qualified retirement plan.\nA number of questions and concerns need to be addressed to help you better prepare for retirement living.\nPrinciples that can help create a portfolio designed to pursue investment goals.\nHow federal estate taxes work, plus estate management documents and tactics.\nHow do the markets usually react to elections? Was the 2016 election any different?\nWhat does your home really cost?\nAre you ready for retirement? Here are five words you should consider.\nHere’s a quick guide to checking to see if you have unclaimed money.\nWhat are your options for investing in emerging markets?\nSmart investors take the time to separate emotion from fact.", "label": "Yes"}
+{"text": "Qualify Fha Loan FHA loans have been helping people become homeowners since 1934. How do we do it? The Federal Housing Administration (FHA) – which is part of HUD – insures the loan, so your lender can offer you a better deal.\nView our FHA loan rate table to see current, up-to-date interest rates by our top-rated FHA lenders. To get the best rate on your FHA loan, there are a few things you can do to ensure you’re paying the least amount of money in interest possible.. First, improve your credit score.\nFHA loans come in fixed-rate terms of 15 and 30 years. How FHA loans work FHA’s flexible underwriting standards allow borrowers who may not have pristine credit or high incomes and cash savings.\nAn FHA loan is a home mortgage backed by the government – specifically, by the Federal Housing Administration. The term \"FHA loan\" is actually somewhat of a misnomer because the FHA doesn’t actually lend money to would-be homeowners. Rather, it insures the loans made by private lenders.\nCheck out the current interest rates for FHA mortgages and see whether it makes sense to apply now. Our analysis of FHA loans includes a day-to-day overview of current loan offers available for your neighborhood and includes both purchase and refinancing data. Read on to find the current FHA interest rate for today.\nA fixed-rate mortgage is one in which the interest rate of the mortgage. There are also Federal Housing Administration (FHA) loans. Loans through the FHA generally require smaller down payments and.\nNew Deal Federal Housing Administration Fha Loans With No Money Down FHA Loan Basics Pros and Cons of Borrowing With FHA Financing . Share Pin. Low down payment: FHA loans make it easy for most people to buy with very little down. But you might also be able to buy a house with a conventional loan and a small down payment.. What to Know About No Money Down.Fha Rate Chart Fha Inspector Requirements An FHA loan is a mortgage loan that’s backed by the Federal Housing Administration. Borrowers are required to pay a mortgage insurance premium, which reduces the lender’s risk if a borrower defaults.Fha 3.5 Down Down Payment Insurance Down Payment On Car Insurance – Down Payment On Car Insurance – Buy insurance here and save up on your insurance policy every year. Just fill in the insurance quote form and we will offer best price. Realization of a dream can never be a problem if people have careful planning. To deal effectively and smoothly with these.FHA’s Loan Guidelines for 2012 – Potential borrowers with credit scores of 580 or more can put down as little as 3.5%. As a result. the general FHA loan guidelines: Most lenders have what are called \"overlays\" that add other.Fha Homeowners Insurance Requirements HUD.gov / U.S. Department of Housing and Urban Development. – FHA loans have been helping people become homeowners since 1934. How do we do it? The Federal Housing Administration (FHA) – which is part of HUD – insures the loan, so.Check out the web’s best free mortgage calculator to save money on your home loan today. Estimate your monthly payments with PMI, taxes, homeowner’s insurance, HOA fees, current loan rates & more. Also offers loan performance graphs, biweekly savings comparisons and easy to print amortization schedules. Our calculator includes amoritization tables, bi-weekly savings estimates, refinance info.New Deal – Wikipedia – The New Deal was a series of programs, public work projects, financial reforms, and regulations enacted by President Franklin D. Roosevelt in the United States between 1933 and 1936. It responded to needs for relief, reform, and recovery from the Great Depression.Major federal programs included the Civilian Conservation Corps (CCC), the Civil Works Administration (CWA), the Farm Security.\nAn FHA insured loan is a US Federal Housing Administration mortgage insurance backed mortgage loan which is provided by an FHA-approved lender. FHA insured loans are a type of federal assistance and have historically allowed lower income Americans to borrow money for the purchase of a home that they would not otherwise be able to afford.\nFHA loans are eligible for \"streamline refinances\" – which is a cheaper and quicker way to refinance your loan in a low interest rate period. fha loans are normally priced lower than comparable conventional loans.\nFha Home Loan Calculator Principal & interest: fha mip fha mip is determined by your down payment and loan term. FHA MIP Explained + Monthly Escrow Escrow is a portion of your monthly payment that goes into an account with your mortgage holder that is used to pay your property taxes and annual homeowner’s insurance.\nIf not, a fixed-rate mortgage may be a better choice. The Federal Housing Administration (FHA) guarantees adjustable-rate mortgages, allowing lenders to offer them to borrowers who need more lenient.\nFHA home loans are backed by the federal government and offer you a myriad of advantages for your home purchase or mortgage refinance. Minimum down payment option of 3.5% for qualified buyers For those with credit scores of 580 and above, the down payment for an FHA home loan is 3.5%.", "label": "Yes"}
+{"text": "Over the last few quarters, the Medical Instruments companies within the broader Medical sector put up an impressive show owing to some new strategic developments despite certain quarterly volatilities. However, this earnings season so far witnessed a slightly dented growth trend amid the ongoing US-China trade tiff and constant regulatory changes. Let us delve deeper.\nFactors Likely to Drive Q3 Results\nThe past few months have been remarkable for the medical device space in terms of R&D. Some of the path-breaking inventions noticed in the period include implantable CRT-Ds and ICDs, wearable medical device technologies and the Internet of Things (IoT), Bio-printing, Bluetooth-enabled devices, artificial pancreas, human-brain pacemaker etc.\nIn this regard, it is significant to note that Johnson & Johnson’s JNJ Medical Device business registered accelerated growth in its recently reported third quarter, banking on multiple product launches within Interventional Solutions. Abbott ABT delivered a strong top-line improvement in third-quarter release, backed by regulatory approvals for MitraClip, Alinity and FreeStyle Libre line. For Edwards Lifesciences, within its new business of the Mitral and Tricuspid Therapies (TMTT) that achieved a CE Mark, PASCAL already started witnessing a solid rollout in Europe during the third quarter.\nRobust growth in the emerging markets has already been an added positive this reporting cycle. Buoyed by the rising medical awareness and economic prosperity, flourishing economies are witnessing sturdy demand for the medical instruments. Notably, an aging population, relaxed regulations, cheap skilled labor, increasing wealth and the government focus on healthcare infrastructure make these markets a hotbed for the global medical device players.\nOn this front, Varian Medical Systems has also been reinforcing its capability to treat cancer in the booming economies that are but slightly under-equipped to address the prevalence of the same. Importantly, in the third quarter, Varian Medical strengthened its presence in India by acquiring Cancer Treatment Services International for $283 million. While for Boston Scientific, business from the emerging markets registered 20% growth in the same period, led by high growth in Asia and Latin America. The company currently eyes a much better performance ahead in China, backed by the rollout of SYNERGY in the region.\nWhat's Dragging the Q3 Growth Rate Down?\nThe US-China trade war triggered a short-term downtrend in the Medical Instruments sector. Albeit a series of recent exemptions (the last being in September) by the U.S. Trade Representative (USTR), the entire community is anxious that this downside might reflect on third-quarter results.\nAccording to a survey conducted by the Medical Imaging & Technology Alliance (MITA), tariffs will cost Medical Instruments companies nearly $138 million every year. This is hampering the entities’ third-quarter results. For Varian Medical Systems VAR, the tariff exclusions in China induced expenses worth $2 million.\nAdditionally, continuous regulatory updates across the globe are escalating medical instrument market uncertainties. For example, earlier this year, the FDA came out with a proposed regulatory frameworkfor AI/ML (machine learning)-based SaMD (software as a medical device), which is currently a focus area in MedTech. The framework incorporating more documentation and oversight is strictly thwarting the FDA approval process by slowing down the regulatory pathway. Apart from delaying the revenue generation process, this is elevating the R&D expenses of the industry players, thereby putting pressure on their bottom line. This too has most likely affected the industry’s third-quarter performance.\nThe latest Earnings Preview predicts the Medical sector to deliver positive surprises this time around but suffer a sequential decline at the same time. For the quarter under review, earnings growth rate is projected at 1.2% on 5.8% revenue increase, indicating a fall from second-quarter reported earnings growth of 9.8% on 6.6% revenue rise.\nWhat Our Model Says\nThe proven Zacks model predicts an earnings beat for a company with a positive Earnings ESP and a Zacks Rank #1 (Strong Buy), 2 (Buy) or 3 (Hold). This combination increases the chances of beating estimates. You can uncover the best stocks to buy or sell before they’re reported with our Earnings ESP Filter.\nConsidering the above factors, we take a look at the following four Medical Instruments players that are set to release earnings results on Oct 31.\nIDEXX Laboratories, Inc. IDXX: In the United States, IDEXX has been generating strong CAG Diagnostic recurring revenues, led by steady growth in reference lab, consumables and rapid assay sales. Growth in the Veterinary Software portfolio can be attributed to strength in the global catalyst install base of Cornerstone, Neo and Animana systems. These trends are expected to have continued in the to-be-reported quarter. (Read more: What's in Store for IDEXX Laboratories' Q3 Earnings?)\nIDEXX has an Earnings ESP of 0.00% and a Zacks Rank #3.\nThe above combination dims possibilities of an earnings beat this season. You can see the complete list of today’s Zacks #1 Rank stocks here.\nABIOMED, Inc. ABMD: We are once again optimistic about ABIOMED’s flagship product line Impella,which consistently boosted the company’s top line. Impella, a support system of percutaneous, catheter-based devices offering hemodynamic support to the heart, is expected to have driven the results in the fiscal second quarter as well.(Read more: ABIOMED to Report Q2 Earnings: What's in the Offing?)\nABIOMED has an Earnings ESP of 0.00% and a Zacks Rank #5 (Strong Sell).\nTeleflex Incorporated TFX: We arehopeful that this company might have delivered strong broad-based revenue growth from product and geographic perspective in the quarter to be reported. NeoTract, the acquired business of Teleflex is likely to have contributed to the company’s top line handsomely.\nTeleflex is Zacks #3 Ranked and has an Earnings ESP of 0.00%.\nInteger Holdings Corporation ITGR: Integer Holdings is expected to have gained traction from the company’s firm focus on portfolio management and operational excellence in the third quarter. The company is also likely to have benefited from Cardio & Vascular, Neuromodulation and Non-Medical Electrochem markets.\nInteger Holdings has an Earnings ESP of 0.00% and is a #3 Ranked stock.\nToday's Best Stocks from Zacks\nWould you like to see the updated picks from our best market-beating strategies? From 2017 through 2018, while the S&P 500 gained +15.8%, five of our screens returned +38.0%, +61.3%, +61.6%, +68.1%, and +98.3%.\nThis outperformance has not just been a recent phenomenon. From 2000 – 2018, while the S&P averaged +4.8% per year, our top strategies averaged up to +56.2% per year.\nSee their latest picks free >>\nClick to get this free report Abbott Laboratories (ABT) : Free Stock Analysis Report Johnson & Johnson (JNJ) : Free Stock Analysis Report Teleflex Incorporated (TFX) : Free Stock Analysis Report Varian Medical Systems, Inc. (VAR) : Free Stock Analysis Report IDEXX Laboratories, Inc. (IDXX) : Free Stock Analysis Report ABIOMED, Inc. (ABMD) : Free Stock Analysis Report Integer Holdings Corporation (ITGR) : Free Stock Analysis Report To read this article on Zacks.com click here. Zacks Investment Research", "label": "Yes"}
+{"text": "You should make sure to own a private Education loan Consolidation\nMarch 1, 2023\nLong run Symptoms\nAn approach to rating less interest rate on the scholar personal debt, a keen may be to refinance for a longer period of energy. Extending the loan name regarding 5 or ten years to help you fifteen or two decades increase the entire attract repaid over the life of the borrowed funds. Yet not, it creates your monthly premiums much more in check. It is a benefit to own teenagers not able to spend their bills because of most other a good loans, including credit card otherwise scientific financial obligation.\nVarying against Repaired Rates of interest\nRefinancing and you may merging the figuratively speaking out-of changeable on a fixed costs also have certain stability understanding your own percentage. As an example, when your rate on certain otherwise your entire finance is actually varying, then you certainly are in danger of obtaining the quantity that you owe escalation in tomorrow.\nMost useful Conditions and terms\nReally bodies-supported figuratively speaking can give no less than a few options for payment. Consolidated financing may be able to present an impressive selection of different fees options. These range from income-oriented cost preparations.\nWhen you’re there are lots of paydayloanscalifornia.net/cities/gardena/ positive points to combining your own student education loans, there are even a couple of things that you ought to envision. One grounds is the fact, from the refinancing, you may also become extending just how long that you has costs.\nFor-instance, for many who actually have 10 years away from costs left on the funds, your ount of your payment. However, you can also end up being lengthening the full time through to the financing is paid back. This may in addition to mean that the total amount of money you to you pay off tend to be when you refinance.\nWill you be Permitted Consolidate Your own College loans?\nBefore you can have the ability to proceed that have a student-based loan combination, try to make certain you meet the requirements.\nVery, when you yourself have a variety of different types of funds, you will must basic ensure that the loans is qualified. You’ll be able, yet not, in order to consolidate government student education loans that have a personal student loan combination system. If you’re having trouble choosing whether you are eligible otherwise perhaps not, contact us for assistance.\nApplying for an alternative personal loan in order to combine will generally need that you have good credit. Yet not, for those who have not yet gathered a solid credit score, because so many college students haven’t, this may be will imply that you will want good cosigner.\nAfter you’ve made a great amount of for the-date payments, you will be able your financial tend to release the brand new co-signer. The amount of time frame in making these types of payments can vary from twelve in order to forty-eight days.\nWhere to start The non-public Student loan Combination Procedure\nAfter you’ve made a decision to combine your own money and you will offered the bank your very own pointers, there’s very little remaining for you to do.\nThe personal lender will use your own term, loan amount, personal safety number and various other details to track down your money. Shortly after done, you will be given the new rate of interest, term period, and you will terms and conditions getting acceptance.\nUsing the Next step\nIn case your education loan costs have become a financial load, or if you happen to be checking to have ways to clarify their earnings and expenses going forward, upcoming consolidating your student loan balances can make sense for you. Begin the process today, and no-obligation, to check out what interest you qualify for.\nWhen you have any queries otherwise envision you want more search, be sure and watch our blog site to have details about how-to pay off student education loans smaller, interest rates, pupil loans statistics, income tax credits to have mortgage notice costs, and a whole lot!", "label": "Yes"}
+{"text": "Big Bang: First Regular Council Meeting of 2013\nRon Bolin: Jan. 15, 2013\nThe first regular Council meeting of 2013 got the year off with a bang, producing one of the longest Council meetings in my memory, ending at about 10:45 pm. It started with two very significant presentations and ended with a pseudo farce with some golden moments in between.\nVery Important Presentation No. 1:\nThe opening presentation came from Kim Carter, Ombudsperson for the Province of British Columbia and dealt with the very present issue of “Open Meetings Best Practices Guide for Local Governments”. This issue has been front and center in Nanaimo with seemingly never ending in-camera meetings of Council, often associated with un-bid or untendered contracts, starting with the Conference Centre and continuing through the recently (almost) completed new City Hall annex and a Colliery dams contract the text of which has not yet been revealed despite the fact that Staff met with concerned citizens on that day at Council’s direction (Dec. 6, 2012) and did not divulge the fact of the signing. This behaviour is contemptuous both of Citizens and of Council.\nThe ombudsperson’s message to Council was that meetings on public affairs are to be open to the public with rare exceptions which are spelled out in Sections 90-1 and 90-2 in the Community Charter. While Section 90-2 deals with cases where in-camera secrecy is mandatory, Section 90-1 deals with deals with matters where in-camera secrecy is at the discretion of Council. She reminded Council that the interpretation of the legislation goes beyond the printed words:Subsection 90(1) lists 15 circumstances in which a council may exercise its discretion to close a meeting. The fact that those provisions are discretionary means it is not sufficient that a matter to be discussed is covered by one of the paragraphs of subsection 90(1). That is only the starting point of the decision making process. Once satisfied that the requirements of one or more of the paragraphs in subsection 90(1) are met and a closed meeting may be held, councils must then consider whether the meeting should be closed. (emphasis mine) Generally, it will be appropriate to close a meeting where discussion of a subject in an open meeting raises a reasonable and identifiable possibility of damage to the interests of the local government, the public, or a third party. (emphasis mine) This approach is consistent not only with legislation but the underlying principles of openness and transparency of the legislation which is that wherever possible, meetings should be open and accessible to the public. http://www.bcombudsperson.ca/images/resources/reports/Special_Reports/Open_Meetings_Web.pdf\nCertainly from appearances Council has chosen to ignore their responsibility to be open in the face of any possibility, no matter the probability. It is to be hoped that Council will take this advice to heart and consider whether a decision to go in-camera may be essentially cowardly and based on a low probability of harm.\nShe went on to point out that the reasons behind even the most correct of decisions to go in-camera have inherent limits, i.e. they deal with matters which are completed or problems which are solved and therefore should be made public because the reason(s) for secrecy no longer exist. While Nanaimo administrators have talked about a policy on the release of in-camera material, this policy has yet to appear and we need to demand that our Council and Staff be forthcoming.\nVery Important Presentation No. 2:\nTom Hickey, General Manager of Community Services and Ms. Susan Clift, Director of Engineering and Public Works, provided an introduction to the Asset Management Plan which has been under development for some time and is still a work in progress. Nanaimo, like to many City’s, Provinces, States and even Nations, has long ignored the consequences of our acquisition of Assets, i.e. that at some point they require maintenance and that this costs money. One web site on asset management proposed a rule of thumb for municipal assets that 2% of the value of a city’s assets (roads, water, sewer, sidewalks, buildings, vehicles, park facilities, etc.) should be set aside for maintenance.\nThe study to date lists Nanaimo’s current assets at $2.2 billion (with a b) dollars, which does not include some expensive new and planned infrastructure facilities. The rule of thumb shown above would mean that we should be setting aside some $44 million (with an m) dollars per year, every year for asset management. This is approximately 50% of the total money taken in from property taxes this year and isn’t likely to be reduced in future years. It’s as if you found that maintenance on your personal assets, i.e. your house and car, was going to cost you half of your salary this year. This is an important discussion, indeed the most important of the entire budget cycle as we go forward on the 2013 to 2017 Financial Plan. I have been told that the first version of the 2013-2017 Financial Plan covers our asset management costs by, as far as I can tell, instituting a 1% increase in taxes per annum and some rate increases. As 1% of our property tax intake amounts to about $800,000 dollars, I am perplexed as to how this problem is to be solved and look forward to gaining a greater understanding from Council and Staff.\nOf course Asset Management is a dynamic problem. Every year Nanaimo adds new assets and loses others. This year, for example, we gave away the old City Annex. This reduces the assets we have to manage and thus reduces our asset management costs. Perhaps we should give away a number of other large assets which are depleting our resources. Perhaps we have even acquired some with sufficient value that they could even be sold? But if we want to sell them, we need to be clear about the reason.\nI don’t mean to make light of what is a serious problem and I commend Council and Staff for undertaking this long needed study and preparing for its use in the budgeting process. But as Bette Davis said, “Fasten your seat belts, it’s going to be a bumpy ride.” Particularly as we keep adding “assets” as we did last night with a $110,000 downtown toilet along with a $10,000 operating cost and, of course, an addition to our long term asset management problem on top.\nBoth presentations can be seen on the City’s web site, as can the entire meeting at:\nI had hoped to examine the Asset Management Report itself, but have been informed that it will not be available on the City’s web site until tomorrow.\nOther Hi or Low Lights of the Evening:\nCouncil approved by an 8-1 vote (Councillor Kipp opposed) the disposition of the old City annex to Tectonica Management Inc. for one dollar and has agreed to pay Tectonica $40,000 to cover the property taxes on the property for two years. There has been, and continues to be, considerable discussion of the economic effect of placing stipulations on all bidders that within a two year period the structure must either be demolished or be upgraded to 60% of the current earthquake standard. One must wonder whether the individuals on our Nanny Council will be as particular in any dealings on their private property.\nThere was particular discussion of the wisdom of moving some 30 City employees into the old structure (an action forbidden to the purchaser) while City Hall is renovated to their needs. The wisdom of the move while there is considerable vacant space in the new SARC annex is as lost on me as the need for stipulations on use by the purchaser beyond those of a normal real estate transaction, i.e. that the buyer be notified of any known deficiencies. In the meantime it may be that taxpayers might be liable should the dreaded event occur and cause damage or death to City employees given those stipulations on sale. Anybody out there who might comment professionally on this odd, if not absurd, situation?\nAnd let’s not forget that the $10 million dollar difference between the cost of upgrading this building and the cost of the new SARC building would go a long way, i.e. 12.5 tax percentage points, along the path to adequately funded Asset Management. Is it a coincidence that SARC just beat out the Asset Management Plan or would that be SARCastic?\nThe case of a ramp structure at 499 Seventh Street has left an itch on my curiosity. It involves a ramp which apparently was grandfathered into the property but which was apparently removed and then rebuilt without a permit. I attempted to understand the nature of the requirement for a new permit and whether simple removal in order to rebuild wiped out the grandfathering and required a new permit or if the fact that it may have been done holus bolus instead of incrementally made the difference\nThe Diana Krall Plaza Bathroom discussion was lively and expensive. In an 8-1 vote (Councillor McKay opposed) Council approved an expenditure of approximately $110,000 for a permanent toilet in Diana Krall Plaza. It was briefly mentioned that the facility would be useful to tourists. (Don’t we already have open facilities in our conference centre downtown and our library downtown, not to mention those of our downtown businesses, and don’t our tourists from the cruise boats leave before sunset?) But most of the discussion centred on the fact of the drunken habitués of our nightlife who, after closing hours, are indiscriminate in selecting places to urinate or defecate in the downtown. Rather than imposing fines to hire cleanup services or imposing clean up sentences on the miscreants we ask general tax payers to cover the expense. Rather than asking those establishments which profit by filling their patrons to the point where they must evacuate indiscriminately to pay to handle the problem which they have, albeit indirectly, brought about, we call upon Nanaimo’s general taxpayers. Rather than calling upon the Downtown Nanaimo Business Improvement Association who already receive over $200,000 a year from general taxpayers and who will directly benefit from the installation, we are told that they have other uses for their money. I, for one, am here to inform Council that I too have other uses for my money. I share Councillor McKay’s rage against a general taxpayer expenditure for which there are so many better suited alternatives. We already have more assets than we are able to manage.\nAnd then we come to the Boat Basin:\nEnabled by a motion from Councillor Brennan regarding the Boat Basin on the agenda, Council listened to two delegations, one from the Snuneymuxw nation on behalf of its economic and social relationship with the Basin: the other from the commercial fishermen of Nanaimo who provided some impressive statistics on their role in Nanaimo’s economy is raised by complementary roles of the fishermen and the harbour. During Question Period yet another interested party, a representative from Protection Island weighed in.\nFollowing considerable discussion, the toothless, though slightly upgraded, motion passed by Council called upon the Port Authority to: “ensure that the historic iconic and economic values of the marina and small boat basic be preserved in the re-development and that great care and attention be devoted to ensuring the public interest, including public and commercial access, is fully protected.” A fine sentiment but, particularly after listening to Mr. Dumas speak about the agreement, equivalent in power to my request to the City to reduce my taxes.\nIt seems to me that there are three overlaid rights involved here. One is the right of our present national government to regulate its ports; another being the rights of the Snuneymuxw granted to them by the Douglas Treaty; and the third being the legal rights of the City of Nanaimo and its citizens who find themselves separated by the sea. All give some jurisdiction and all involve the same waters. I do not know if there has been a clear legal decision on the nature of these rights under these conditions. If so, I would like to know of it. If there is not, the situation requires resolution. It would appear to me that there are multiple parties who could rightfully ask for an injunction until these questions are resolved. Anyone out there who could comment authoritatively?\nAnd so back to hearth and home: The end of the beginning of the year at City Council\nI look forward to next Monday when the budget will remain on the agenda but another major undertaking by the City, the so-called “Balanced Scorecard” approach to determining the efficiency and effectiveness of an organization such as a municipality by means on internal processes and procedures is to be presented. For more on this subject before that meeting at 4:30 pm on Monday, Jan 21, google “balanced scorecard.”", "label": "Yes"}
+{"text": "Robotic route of automation unicorn UiPath is area to transfer public this week, concentrating our focal level on its designate.\nThe famed firm became final valued on the non-public markets at $35 billion in February when it closed a $750 million spherical. Residing up to that designate as a public firm, nonetheless, no longer lower than in phrases of its formal IPO designate, is proving to be no longer easy.\nIn a sense, that’s no longer too intellectual given that the crimson-hot IPO market cooled as Q1 2021 came to a shut. UiPath raised its final non-public spherical when the markets bear been most drawn to public offerings and is now going public in a a cramped bit altered climate.\nIn numerical phrases, UiPath raised its IPO fluctuate from $43 to $50 per fragment, to $52 to $54 per fragment. That’s a 21% soar in the worth of the lower slay of its fluctuate, and an 8% salvage to the worth of the higher slay of its per-fragment IPO designate interval.\nUiPath is additionally selling more shares than prior to, which ought to serene originate its complete valuation a cramped bit higher on the slay slay than a mere 8% salvage. So let’s battle throughout the math yet once more. Afterward, we’ll stack its new straight forward, fully diluted IPO valuations in opposition to its closing non-public designate, ask ourselves if our musings on the firm’s present profitability bore out, and shut by asking the achieve the firm can also in the slay designate, and if we ask it to abet out so above its new designate fluctuate.", "label": "Yes"}
+{"text": "Mission Statement of Credit Suisse\n\" In the knowledge that long-term corporate success depends on, among other things, a responsible approach to business, Credit Suisse Group adheres to a Group-wide Code of Conduct. The Code lays down the most important principles that Credit Suisse Group employees must follow when conducting business and when interacting with colleagues, customers and other stakeholders. This document is binding for all employees of Credit Suisse Group. The Code of Conduct includes a definition of Credit \"", "label": "Yes"}
+{"text": "Tesla stock fell as much as 7% on Tuesday after reporting first-quarter deliveries that fell far short of expectations.\nTesla said it delivered 386,810 vehicles in the first quarter, well below the consensus Wall Street forecast of nearly 450,000.\nWedbush analyst Dan Ives said factory shutdowns in Germany and soft demand in China contributed to the miss.\nTesla delivered 386,810 vehicles in the first quarter, which was well below Wall Street estimates of 449,080, according to data from Bloomberg. The decline represented Tesla's first year-over-year sales drop since the start of the COVID-19 pandemic in 2020.\nThe first quarter results represent a year-over-year decline of 9% and a 20% decline from its recent fourth quarter vehicle sales of 484,507.\nExpectations for Tesla's vehicle deliveries were already declining heading into the report, as concerns have grown surrounding weak demand in China, factory shutdowns in Germany, and soaring demand for one of Tesla's biggest competitors: plug-in hybrids.", "label": "Yes"}
+{"text": "Expanding the voting membership of the Tri-County Council for Southern Maryland; increasing, beginning in fiscal year 2020, the amount of money that the county commissioners of Calvert County, Charles County, and St. Mary's County are required to appropriate each year to the Council, subject to certain provisions; and providing, beginning in fiscal year 2021, that any increase in certain county appropriations may not take effect until certain county commissioners give approval in advance of the increase.\nBill File Type: Regular\nEffective Date(s): June 1, 2019\nBill imposes a local government mandate which is a directive in a bill requiring a local government unit to perform a task or assume a responsibility that has a discernible fiscal impact on the local government unit\n( 13-601, 13-603, 13-611 )\nLast Updated: 2/3/2020 2:35 PM", "label": "Yes"}
+{"text": "Register for the digital edition. By digitizing paperwork and information management with Composer, FineMark saves several hours on daily basis and allows work hours to be spent the place they matter most—with clients. Companies of all sizes want well timed and accurate data to make intelligent business selections. Adjusters inspect property harm or private injury claims to find out how a lot the insurance coverage firm should pay for the loss.\nKent Christian serves as president of Wells Fargo Advisors Monetary Network, where he sets strategic path for the management, satisfaction, retention and organic development of Wells Fargo Advisors’ impartial monetary advisor enterprise. Our flagship event Reinventing Monetary Services was held on Might 21, 2019 in New York Metropolis. In addition, the dissertation aims to equip you with key transferable, employability expertise, including: time administration, project administration, communication (written and verbal), negotiation, persuasion and influence, discovery, initiative, creativity and innovation in drawback-solving, analysis.\nVenture Capital Authority Funds: A program which makes seed and early-stage capital investments in eligible businesses by way of two Colorado Funds that are established with an independently operated fund supervisor. Some threat always exists in insuring somebody or something, but insurance coverage underwriters should analyze functions and any further information available to find out if the chance is viable.\nThe broader personalised well being business is expected to change into a $600 billion market by the year 2020, in accordance with an analysis by administration consulting firm Oliver Wyman. Indonesia has successfully positioned itself as an alternative manufacturing market for international trend brands. That is your source for international business-related assets, statistics, risk assessments, and occasions for 20 distinct business sectors.\nAuthorities finances analysts might earn the Licensed Authorities Monetary Manager credential from the Affiliation of Government Accountants To earn this certification, candidates must have a … Read the rest[...]", "label": "Yes"}
+{"text": "With Federal Reserve officials continuing to downplay the risk of higher inflation, a lot of investors are dismissing the idea that easy monetary policy is already having big impacts on the stock market. On the other hand, there are already plenty of signs that inflation might be rearing its ugly head. Grocery prices are at seven-year highs, home prices are soaring, and CPI numbers are consistently exceeding economists’ expectations. All of this means that it might not be a terrible idea to start looking at stocks that can potentially outperform in an inflationary environment.\nThe truth is that we are already seeing a lot of money flow into these types of “inflation-proof” stocks. Meanwhile, high growth companies and tech stocks are getting hit hard, which tells you all you need to know about what fund managers think about inflation risks. If you are interested in adding exposure to companies that should hold up well if inflation rises, this article is for you. Let’s take a look at 3 inflation-proof stocks to be bullish about.\nNucor Corp (NYSE:NUE)\nSteel stocks are a good place to look at this time amidst inflation concerns, particularly since they tend to perform well when commodity prices are rising. Even a small uptick in revenue for these companies leads to a big increase in their earnings thanks to their operating leverage. That’s why Nucor Corp is a great option to consider, as it’s a major manufacturer of steel and steel products and North America’s largest steel recycler. The company relies on electric arc mini-mills, which are more efficient and cost-effective than blast furnaces, and is the most diversified steel producer in the country.\nAt the moment, Nucor is benefitting from strong demand across many of its end markets and should continue to profit from a widespread economic recovery throughout the year. Nucor also has a very strong balance sheet and has grown its dividend for 48 consecutive years, which means you can take advantage of additional income as a shareholder. Finally, the company reported record Q1 net earnings of $942.4 million and saw its consolidated net sales increase by 33% to $7.02 billion, confirming that this is a steelmaker firing on all cylinders.\nChevron Corporation (NYSE:CVX)\nOne trend that stands out at the moment is the strength in energy stocks like Chevron Corporation. This could be a sign that “smart money” is looking for inflation-proof stocks, which is why investors should be paying close attention to the current strength in the sector. Energy prices are known to be directly correlated with U.S. consumer price inflation rates, which means that Chevron could benefit from higher oil & gas prices soon. It’s a globally integrated oil company with interests in exploration & production, refining & marketing, and petrochemicals.\nThis is a high-quality energy name that currently offers investors a 5.05% dividend yield, which is another plus to consider in an inflationary market environment. Chevron reported a profit in its most recent quarter announced that it is raising its dividend by 4%, which is great to see after a tumultuous 2020 for the company. It’s also a company that legendary investor Warren Buffett picked up a position in last year, which is a strong vote of confidence. The stock is up over 28% year-to-date and is a fine choice for investors that want to protect their portfolios from inflation.\nFull story on MarketBeat.com", "label": "Yes"}
+{"text": "Tezos worth remains stable amid altering situations within the unstable crypto buying and selling market. Accountants calculate gross profit by subtracting the cost of goods sold from revenue. Moving ahead, the FSA below the Mortgage Market Evaluation (MMR) have said there have to be strict criteria on the repayment automobile getting used. Installment loans are usually expensive, but some providers offer more competitive APRs than others. During his time overseeing crypto at the SEC Hinman indicated that Ether shouldn’t be a safety whereas at the identical time figuring out that XRP is a safety.\nMarketing consists of 4 activities centered on buyer worth: creating, speaking, delivering, and exchanging worth. Needless to say refinancing your federal pupil loans into a non-public loan would make you ineligible for sure borrower protections like income-driven reimbursement plans (IDR), as well as any future pupil loan forgiveness measures. You must affirm your phrases with the lender for your requested loan quantity.\nSee instance enterprise plans in our pattern plan library to present you an thought of what the completed product may appear like. With this association regular contributions are made to a separate investment plan designed to construct up a lump sum to repay the mortgage at maturity. Weaknesses: Interfirst isn’t licensed in every state, and if you happen to’re trying to match mortgage rates, you might need a more durable time, since this lender does not showcase charges publicly on its website.\nAnalysts are increasingly turning to on-line training applications similar to CFI’s to master the practical, palms-on expertise they need for professional success. An indicator of an organization’s financial well being, fairness can include each tangible (buildings, money, land) and intangible (copyrights, patents, model recognition) property. A 20% down cost additionally lets you avoid paying personal mortgage insurance in your loan.\nWithin the opportunity part of your business plan, describe the problem that you clear up for your prospects and the solution that you are selling. Those that use the money accounting method solely rely sales as revenue once the business receives cost. If you can’t pinpoint an issue that your potential customers have, then you definitely may not have a viable enterprise concept. Every time you set up a brand new My Chase Loan, we’ll inform you the maximum amount you possibly can request.\nThe executive summary will encapsulate the entirety of your business plan by summarizing your organization and its general objectives. Because of this, abilities in arithmetic, laptop science, and knowledge analytics , are additionally helpful for aspiring business analysts. Take into account that businesses that use their plan as a administration tool to assist run their business grow 30 % sooner than those businesses that don’t.\nTo appropriate such rents or income; (i) in lieu of interest, or (ii) in payment of the mortgage cash, or (iii) partly in lieu of interest and partly in lieu of the mortgage cash. Will increase in market rates and different elements trigger rates of interest to fluctuate, which adjustments the quantity of interest the borrower should pay, and, due to this fact, changes the whole month-to-month fee due.", "label": "Yes"}
+{"text": "The cryptocurrency market has become an attractive investment option due to the vast array of opportunities. In addition, many forex traders have shifted to crypto trading due to the high volatility presenting better opportunities for them. However, the cryptocurrency market is an entirely new industry for many traders since they find the technology infrastructure intriguing. Many crypto brokers offer world-class benefits in the crypto trading industry, and it is essential as a new crypto trader to ensure you pick the right one.\nAbout the Brand\nMarkets Legion is an online cryptocurrency broker that provides secure and private trading services to traders. In addition, they offer a variety of assets in crypto to allow you to diversify your trading portfolio.Their speciality is to provide cutting-edge technology to customers globally. In addition, their objective is to allow traders with little or no knowledge, access to trade crypto effortlessly. Markets Legion’s asset index includes over 100 cryptocurrencies to choose from, from the top-performing Bitcoin and Ethereum to the ever-popular Altcoins.\nSome of the benefits offered by Markets Legion are the Partnership program, Account managers, and Safe transactions.\nMarkets Legion allows you to earn referral bonuses once you join their partnership program. As soon as your referral funds their account, you will be eligible to receive rewards. In addition, you can refer an unlimited number of friends.\nProfessional Account Managers\nMarkets Legion support team consists of professional account managers, offering expert advice to customers.\nThey promise high-level security of funds and personal information by securing transactions with the industry’s leading systems.\nSocial trading is interfaced on the Sirix trading platform, thereby allowing you to follow top-ranked traders. Furthermore, following these top traders will enable you to execute your trades with the copy trading feature.\nMarkets Legion has designed a tutorial section filled with informative educational material.\nTutorials include topics like:\n- Bitcoin 101\n- Top Ten cryptos\n- What are Altcoins?\n- Tips for new crypto traders\nThe Bitcoin 101 tutorial covers the basic information on Bitcoin. The top ten cryptocurrency section gives you a brief overview of the top ten performing coins, including market cap and trading volume.\n- Professional account managers for expert advice.\n- Social trading\n- The partnership program allows you to earn referral bonuses.\n- The web trading platform is accessible as an app on mobile devices.\n- The exact number of referrals to qualify for an exclusive rewards bonus is not stipulated.\n- Their live chat response time is slow.\n- The withdrawal process is long, from 7-15 days.\nIn Conclusion, Markets Legion offers many benefits and reliable tools to allow a safe and secure trading experience. Their educational tutorials and professional account managers ensure that you are not trading in isolation as a novice crypto trader, and you can rely on their expertise to guide you. In addition, they are transparent and clear about their offerings to new customers; for this reason, we recommend Markets Legion as a preferred broker.", "label": "Yes"}
+{"text": "Nave's Topical Index2 Kings 12:4-14\nAnd Jehoash said to the priests, All the money of the dedicated things that is brought into the house of the LORD, even the money of every one that passes the account, the money that every man is set at, and all the money that comes into any man's heart to bring into the house of the LORD,Nave's Topical Index—AKJV\n2 Chronicles 24:4-14\nAnd it came to pass after this, that Joash was minded to repair the house of the LORD.\nNave's Topical Index—AKJV", "label": "Yes"}
+{"text": "The Hill (10/1, Needham) “On The Money” blog reported manufacturing expanded last month at the fastest pace in 2 1/2 years, the Institute for Supply Management reported on Tuesday.\nThe ISM’s manufacturing index rose to 56.2 in September from 55.7 in August. The improvement may indicate that hiring could increase. The employment index climbed to 55.4 percent versus the previous month’s reading of 53.3 percent. That is the highest reading this year.\nChad Moutray the chief economist for In the National Association of Manufacturers’s Shopfloor (10/2) blog, Chief Economist Chad Moutray wrote, “This would be good news if true, particularly with manufacturers adding just 20,000 additional workers over the past year and several other reports, including the NAM/IndustryWeek Survey of Manufacturers, indicating only modest growth at best in terms of hiring.”\nThe production index rose by 0.2 percentage point to 62.6 percent. The Hill also noted that after “contracting in May, the index has posted three months of 60-plus readings.” Moutray said, “The larger story is the progress acceleration in activity over the course of the past few months, with relatively strong growth in production and new orders.”\nHe also said, “Overall, manufacturers wrapped up a pretty decent third quarter in terms of output and sales.” However, with the shutdown of the Federal government, he said “that continued fiscal stalemates will only hurt the prospect of more robust economic growth.” Moutray said, “Fiscal uncertainty is likely to limit economic growth — at least in the short-term — and we continue to see growth rates for manufacturing that, while better than in the spring, are still not as robust as we might like.”\nMarkit Factory Index Falls In September. Bloomberg News (10/2, Schenkel) reports manufacturing activity in the US grew at its slowest pace in three months in last month, Markit said. The Markit Economics final index of manufacturing fell to 52.8 last month from 53.1 in August.\nReuters (10/2) reports demand from other nations declined which slowed the overall rate of new orders and suggesting last month’s increase in output may be temporary.", "label": "Yes"}
+{"text": "As of 2018, US accounts almost 57% of the global fintech market followed by Asia and Europe at 31% and 10% respectively.\nHowever, the adoption of fintech is limited at 46% in the country. The rise of digital only banks and mobile payments has led to increase in penetration of fintech money transfers and payment services.\n- Definition / Scope\n- Market Overview\n- Market Risks\n- Market Trends\n- Technology Trends\n- Regulatory Trends\n- Other Key Market Trends\n- Market Size and Forecast\n- Market Outlook\n- Distribution Chain Analysis\n- Competitive Factors\n- Key Market Players\n- Strategic Conclusion\nDefinition / Scope\nGenerally, the term Fintech represents ‘Financial Technology’ where the technology represents mostly digitalization within the Banking & Financial services industry.\nThe scope of the technology covers digital infrastructures allowing establishment of new types of agreements and procedures in classic areas of banking such as lending, investment strategies and payments.\nSome of the benefits of leveraging fintech technologies include: convenience of use or access via internet & mobile phones, increase in processing speed, reduction of costs, higher transparency and much focus on consumer experience.\nAt present, Fintech market can possibly be sub-divided into two sectors namely, banks & non-banks. The non-banking sector utilizing fintech include startups and businesses without bank licenses.\nThe latter sector focuses on modern banking value chain and is utilizing fintech to unbundle traditional banking business models.\nThe four most common categories of Fintech are as follows:\nDigital Payments: The segment includes consumer payment transactions for products and services made via internet as well as mobile PoS or smartphone applications. In the US, the segment is the largest, both in terms of number of transactions and with most penetration.\nPersonal Finance: The segment accounts for technologies such as automated investment services i.e. Robo-advisors and digital remittances. However, online brokers without automated or recommendation-based advisory roles and domestic online payment doesn’t fall under the scope of this segment. This is the second largest segment in the US Fintech market.\nAlternative Lending: This market segment includes digital financial services for business or institutional customers as well as private borrowers. The segment mostly focuses on lending to SME’s, freelancers and private individuals. Thus, crowd lending and marketplace lending is provided via online platforms.\nAlternative Financing: This is the final segment of Fintech where the business models particularly lie in crowd investing models, other solutions such as non-monetary compensation for instance, product launches, music & film financing etc., applications that are mostly reward, loyalty or monetary based.", "label": "Yes"}
+{"text": "May 21, 2007\nIN-vivo Ventures closes on fund to capitalize on America's hottest 'angel' marketWEST LAFAYETTE, Ind. - May 21, 2007 - IN-vivo Ventures LLC, a Purdue Research Park-based company formed in 2003, has created a founder's fund to provide initial seed capital to the company's projected short-term portfolio of 10-15 Midwestern technology ventures.\nThe IN-vivo Ventures Founder's Fund was developed from a large group of angel investors who helped launch Quadraspec Inc., an IN-vivo Ventures portfolio biotech company that uses compact-disc technology to cost-effectively diagnose disease. In addition to Quadraspec, IN-vivo Founders Eric Davis and Chad Barden have launched several companies, including Copient Technologies Inc.; Nuron LLC, which was acquired by Intel; Arxan Technologies Inc.; and Kylin Therapeutics Inc. Together, these companies have acquired more than $40 million in angel and venture capital-based funding and employ more than 100 people.\nDavis, a managing partner at IN-vivo Ventures, said the new fund was created to respond to a heightened interest in private equity for Midwestern startups. He cites the success of the Purdue Research Park in West Lafayette, Ind., where more than $85 million in angel and venture capital investment flowed into startups in fiscal year 2005.\n\"Midwest-based venture funds typically do not have the capital to lead large syndicated financing rounds, and nearly all these funds are involved only with later-stage opportunities that are close to exit,\" Davis said. \"Our new fund will bridge the gap between innovation and commercialization to more fully realize some of the tremendous opportunities here in the Heartland, and especially in Indiana.\"\nDavis referred to a recent report by the Corporation for Enterprise Development, which ranked Indiana the fourth highest state in the percentage gain of venture capital/angel investing over five years (1999-2004). And while total venture capital/angel funding has increased only 7 percent nationwide over the last two years, it's increased 152 percent in Indiana during the same period. Perennial funding hotspots, such as the Silicon Valley and New England, have seen moderate increases, or even decreases, during this period (i.e. the Silicon Valley's funding increased 15 percent and New England's decreased 1 percent).\n\"I nearly wore out the soles of my shoes while raising initial capital for Quadraspec,\" said Chad Barden, IN-vivo Ventures' co-founder and a managing partner as well as Quadraspec's CEO. \"We secured nearly all of our funding from a group of eighty Midwest-based angel investors and, during the course of the fundraising process, I realized the strength of this group and the opportunity that still existed in leveraging their combined investment potential for the benefit of emerging technology companies in the Midwest.\"\nOne of the Quadraspec \"angels\" is Carmel, Ind.-based real estate developer George Sweet. Sweet has become a leading participant in the IN-vivo Ventures Founder's Fund.\n\"Quadraspec allowed me contribute my own 30-plus years of entrepreneurial experience along with my monetary resources,\" Sweet said. \"Angels are looking for excellent returns, but many also are looking to get involved with a company, and that's something larger VC firms on the coasts don't understand. I can achieve both of my objectives by working with Chad and Eric as they commercialize technologies that have the potential to literally diagnose and treat cancer ... and that's extremely rewarding.\"\nBig Ten universities also are helping to fuel innovation in the Midwest. Each of these institutions enjoys nationally recognized research programs that, together, attract billions of dollars of sponsored research and produce hundreds of patented technologies annually.\n\"More than 300 life sciences companies exist in the Midwest, representing 21 percent of all U.S. biotech companies,\" said Joseph B. Hornett, senior VP, treasurer and COO of the Purdue Research Foundation, which owns and manages the Purdue Research Park. \"IN-vivo Ventures efforts to grow new technologies and keep them here in Indiana are to be commended.\"\nAbout IN-vivo Ventures\nThe mission of IN-vivo Ventures LLC is to cultivate and create economic value from the most promising platform technologies emerging from research universities and inventors in the Midwest. The company specializes in seeding emergent companies with qualified, professional management; advisors; and processes in order to streamline the process of licensing and commercializing technology.", "label": "Yes"}
+{"text": "FSLFs were still in existence at the turn of the century.\nA further difficulty measuring the activities of FSLFs is the fact that it was possible for any society registered as a Friendly Society to have a separate loan fund.\nUnlike LFSs, FSLFs were financial mutuals and a person was required to become a member and to either borrow or save.\nLoan limits for FSLFs were set at [pounds sterling]50 by law; this was a much higher ceiling than the [pounds sterling]10 limit on pawnbroking and LFSs registered with the LFB.\nThe incentive structure of FSLFs also differed from LFSs registered with the LFB mainly because in FSLFs borrowers were members.\n(38) FSLFs may in fact have been better placed to overcome information asymmetries faced by JSBs in urban areas.\nFSLFs were usually short lived, and it seems that they conformed to the Friendly Society tradition of short-term dissolving societies.\nThis is a key distinction between the constitution of LFSs and FSLFs. If a LFS wished to dissolve it had to give the LFB three months' notice, then it had to give the users of the service ten days' notice.\n(42) Here a different incentive structure for members of FSLFs and LFSs can clearly be seen.\nHowever, as with FSLFs, Irish Building Societies received little interest from the Registrar and thus it is difficult to get a true reflection of Building Society activity in Ireland in the early nineteenth century.\nIn these societies funds were raised from a set number of members to build or purchase housing for the respective members, and when all loans, amortized over fixed terms, were repaid assets were distributed amongst members and the society was dissolved; these operated in a similar fashion to FSLFs. Later innovations led to societies borrowing from non-members (depositors and bank overdrafts) to enable the society to begin lending immediately before member subscriptions had accumulated.\nTo conclude, this paper gave an overview of the history of FSLFs and Building Societies in nineteenth-century Ireland.", "label": "Yes"}
+{"text": "High-end London-based jeweller Graff Diamonds is planning to list in Hong Kong on June 7, a report said Monday, as it seeks to raise up to $1.0 billion in one of the biggest IPOs this year.\nThe firm plans to start taking orders from investors in a roadshow between May 21 and 31 and is set to price the initial public offering at the end of the event, according to a term sheet seen by Dow Jones Newswires.\nThe IPO is set to be one of this year's blockbuster share sales after China's second largest brokerage Haitong Securities last month raised $1.68 billion from its Hong Kong IPO, the world's biggest so far this year.\nThe jeweller's listing in Hong Kong will enable the company to raise its profile in Asia and tap the fast-growing luxury goods market on mainland China.\nChina is forecast to be the world's top buyer of products such as cosmetics, handbags, watches, shoes and clothes by 2015, PriceWaterhouseCoopers has said.\nGraff Diamonds' presence in Asia includes boutiques in Hong Kong, Shanghai, Beijing, Tokyo and Taipei. It is planning to open three flagship stores in the Chinese city of Hangzhou, Macau and Dubai this year, according to its website.\nThe firm's present sales are split evenly between Asia and Europe.\nThe jeweller will join other luxury brands using Hong Kong as a gateway to the burgeoning Chinese market, after the listings of firms such as Prada of Italy, US handbag maker Coach and US luggage maker Samsonite.\nThe slew of luxury firms seeking to list in Hong Kong are a sign of Asia's growing appetite for designer goods, especially among cash-rich Chinese, which has helped the financial hub to retain its crown as the world's largest IPO market.\nHong Kong raised a total of $260 billion from new listings last year but the IPO market has been quiet so far this year.", "label": "Yes"}
+{"text": "If you're at the point where you aren't sure you can take any more of this, you have plenty of company. Worldwide.\nOne year into this stock market slide, we've reached a new level of despair. Many investors now have lost about a third of their stock portfolios' value in the decline fueled by the implosion of home prices and credit markets.\n\"Why don't you be truthful with the poor people who have their money in this market,\" a reader wrote in a bitter e-mail to me over the weekend.\n\"You and I both know the market is not going up,\" she said. \"How can it. Our government has destroyed our economy by shifting good jobs to Third World countries. Giving expensive houses to poor people and hoping they would make the payments.\"\nAnd that plan for the Treasury to borrow $700 billion to buy up garbage mortgage loans? \"Debt is what got us here and more debt is going to make things worse,\" the reader, Joyce, wrote.\nBereft of hope, she signed herself: \"A former investor.\"\nIf you're 30 years old, a 33% drop in your portfolio may not be a big deal. You know you've got time to make it up.\nBut if you're 60, this is a disaster. And instinctively, you want to protect what you have left.\nSo the client calls are pouring in to money management firms like Silvercrest Asset Management in New York, which oversees about $9.6 billion for investors.\n\"They're asking what to do,\" said Stanley Nabi, vice chairman of Silvercrest. And like most market professionals, Nabi gives the standard answer: \"I'm telling them to hold tight.\"\nThere is, of course, a large element of self-preservation in that advice from investment firms. They don't want clients pulling their funds and heading for the bank -- or the mattress.\nBut it's also true that history mostly is on the side of that counsel once stocks have fallen this much. Bear markets don't go on forever. And they usually end just when investors are feeling that there is no hope of a recovery.\nMonday wasn't supposed to go the way it did. After Congress approved the financial-system rescue plan Friday, many investors were expecting the stock market to rally. Or at worst, to tread water.\nInstead, after a devastating sell-off overnight in Europe, which has imported a banking crisis from the U.S., Wall Street suffered one of its most harrowing days ever.\nDespite cutting an 800-point loss in half by the closing bell, the Dow Jones industrial average still ended below 10,000 for the first time since October 2004.\nYet in market parlance the first part of the day had overtones of \"capitulation\" -- a final, mad rush to get out, regardless of price.\n\"The selling sure seemed as if it was completely indiscriminate,\" said Andy Brooks, a veteran trader at T. Rowe Price Group in Baltimore. \"We've reached the point where stocks are cheap, but people don't care,\" he said.\nThose often are classic signs of capitulation.\nAnother sign is when pundits who usually are associated with an optimistic view of the market suddenly throw in the towel.\nJim Cramer, host of CNBC's \"Mad Money\" show and someone generally regarded as a cheerleader for the market, helped stoke talk of capitulation with his extremely bearish comments on NBC's \"Today\" show Monday morning.\nWarning that the global credit crunch could drive the market down a further 20%, Cramer advised: \"Whatever money you may need for the next five years, please take it out of the stock market. Right now. This week. I do not believe that you should risk those assets in the stock market.\"\n\"I thought about this all weekend,\" he added. \"I do not want to say these things on TV.\"\nSix years ago this week, many investors also had a deep sense of foreboding about stocks. The bear market that began in 2000 was in its 31st month, driven by the collapse of many once high-flying technology stocks.\nOn Oct. 9, 2002, the Standard & Poor's 500 index of big-name shares sank 2.7%, bringing the total decline from its March 2000 record high to 49.1%. That made it the most devastating bear market for blue-chip stocks since the latter years of the Great Depression.\nNot surprisingly, on Oct. 9, 2002, most investors saw no reason to believe that things would get better. Yet that day finally marked the end of the long slide, for reasons known only to the market gods.\nThe current bear market, painful as it has been, hasn't gone on as long or been as deep as the last one.\nCoincidentally, the S&P 500 reached its all-time high on Oct. 9 of last year. It's now down 32.5% since then.\nWhat Cramer and many other investors fear, with good reason, is that the losses won't stop here.\nThe nightmare in the credit markets is unprecedented in the post-World War II era. Worldwide, many banks have stopped lending to one another as loan losses mount and one financial institution after another collapses.", "label": "Yes"}
+{"text": "Automated External Reporting | Deloitte US has been added to your bookmarks.\nAutomated External Reporting\nPromoting efficiency through change\nFor more than 10 years, many companies have made significant investments to improve their accounting and reporting processes. Much of this effort has been focused on using technology to better enable processes to close the general ledger and consolidate balance sheets and income statements. These improvements have allowed companies to realize many benefits, including more reliable and readily available financial information, as well as improved control environments as processes are more automated and operationally efficient. However, as processes to close and consolidate have improved, many of the processes followed to prepare and submit financial statements and other external reports (e.g., statutory, tax, regulatory, management) continue to be operationally inefficient and—in some cases—may be ineffective.\n- The challenges\n- A new approach to address the challenges\n- Can AER work for your organization?\n- Learn more\n- Get in touch\nAt Deloitte Risk and Financial Advisory, our experience has shown there is a common group of accounting and disclosure requirements that cause external reporting challenges across many industries. These include—but are not limited to—the following:\n- Mergers, acquisitions, and divestitures\n- Consolidations and joint ventures\n- Derivatives and hedging\n- Fair value measurements\n- Pension and other post-retirement benefits\n- Income tax accounting and provisions\n- Statement of cash flows\n- Statutory and multi-Generally Accepted Accounting Principles (GAAP) reporting\n- Segment reporting and disclosure of operational metrics\nThese challenges are pervasive due to the relative complexity in meeting the accounting and reporting requirements, as well as the difficulty in implementing standardized processes and technology to support such requirements. Challenges also arise because the data needed to compile external reports resides in disparate places and requires manual and spreadsheet-based processes to gather and prepare external reporting.\nA new approach to address the challenges\nAutomated External Reporting (AER) is Deloitte Risk and Financial Advisory’s approach to help companies move past these challenges and significantly reduce their reliance on manual, spreadsheet-driven processes inherent in current external reporting activities. AER helps our clients leverage existing data and technology by providing an efficient, sustainable, and technology-enabled process to enhance external reporting and overcome operational inefficiencies.\nSome tangible financial benefits may include:\n- Reduction in man-hours and cost required to perform current processes\n- Opportunities to redeploy man-hours on other value-added activities\n- Potentially avoiding incremental technology costs, as existing technology may be leveraged\n- Scalable framework to address other reporting requirements\n- Reduced risk with enhanced governance and internal controls over the external reporting process\n- Opportunities to employ finance analytics (i.e., what-if analysis) utilizing available reporting tools\nCan AER work for your organization?\nBelow we've included some key questions and common answers indicating that AER may be a value-added approach:\nHow do you feel about the efficiency of your external reporting process?\nOur people have no time to analyze the results because we are so focused on preparing spreadsheets and using manual databases to support the compilation of financial statements and other external reports. Upon completing the consolidation, the data required to compile the financial statements and notes are still in disparate systems and compiled in spreadsheets for reporting purposes.\nHow many days does it take you to close the general ledger and how many days does it take you to produce and submit financial statements?\nWhile it takes up to 10 days to close the general ledger and produce a balance sheet and income statement, it takes us another 25-35 days to compile, finalize, and submit financial statements.\nFor a new acquisition, how would you consolidate and report the new businesses?\nOur people will have to work more hours (or we may even need to hire more people) and employ more spreadsheets/databases to prepare and compile consolidated financials and notes for the new company.\nHow are top-side adjustments processed?\nIf we decide to not reopen the general ledger, the external reporting manager would determine all amounts affected in the financial statements and notes based on professional judgment and manually record adjustment(s) directly to the file containing the financial statements.\nWhat governance and oversight is employed when preparing foreign statutory reports?\nWe rely on our local accounting manager to prepare statutory financial statements—including any adjustments from core GAAP to local GAAP. The accounting manager's primary tools for determining adjustments and compiling reports are spreadsheets and word processing applications.", "label": "Yes"}
+{"text": "Here are some of the most noteworthy new highs and lows across the markets for Friday, January 17, 2020.\nThe “Average” Stock Is Breaking Out To New All-Time Highs $VLA\nAutomobile Stocks Testing 15-Year Highs\nHousing Stocks Testing All-Time Highs $HGX\nUtilities Breaking Out To All-Time Highs $DJU\nBroker-Dealer Stocks $XBD Testing All-Time Highs\nEmerging Markets $EEM Hitting 52-Week High, But…\nAustralian Stocks Hitting New All-Time Highs\nNatural Gas Hitting ~4-Year Lows\nIf you’d like to see these charts as they come out in real-time, follow us on Twitter and StockTwits. And if you’re interested in the daily “all-access” version of all our charts and research, please check out our site, The Lyons Share. You can follow our investment process and posture every day — including insights into what we’re looking to buy and sell and when. Thanks for reading!\nDisclaimer: JLFMI’s actual investment decisions are based on our proprietary models. The conclusions based on the study in this letter may or may not be consistent with JLFMI’s actual investment posture at any given time. Additionally, the commentary provided here is for informational purposes only and should not be taken as a recommendation to invest in any specific securities or according to any specific methodologies. Proper due diligence should be performed before investing in any investment vehicle. There is a risk of loss involved in all investments.", "label": "Yes"}
+{"text": "FOR IMMEDIATE RELEASE\nJuly 24, 2019\nEB-5 Investment Coalition Calls for Withdraw of New DHS Regulations to Allow Congress to Take the Lead on Reform\nWASHINGTON, DC – The EB-5 Investment Coalition, a broad-based coalition representing EB-5 industry participants across the country, today released the following statement from Angelique Brunner, the EB-5 Investment Coalition’s Industry Membership Chair and Spokesperson, on the U.S. Department of Homeland Security’s publication of new regulations:\n“The regulations published by the U.S. Department of Homeland Security (DHS) fail to modernize the American EB-5 visa program. In fact, the regulations will crush foreign investment in communities across the U.S. and put hundreds of thousands of American jobs at risk, without addressing the fraud and national security concerns, which all parties agree are pressing.\n“Congressional action is the best way to truly modernize this merit-based, job-creating immigration program, address national security and fraud concerns and bring lasting reform so the EB-5 program can continue to invigorate both rural and urban communities and keep Americans working. Recent EB-5 investment activity shows that tens of billions of investment dollars and hundreds of thousands of new U.S. jobs hang in the balance.\n“We urge this administration to move with speed to withdraw these regulations, which derive from the previous administration’s proposal, and let Congress take the lead. There is a ripe opportunity to achieve consensus legislative reform ahead of the program’s expiration this September; we do the American people a significant disservice not to seize it and deliver reform done right.”\nAbout the EB-5 Investment Coalition:\nThe EB-5 Investment Coalition (EB-5IC) is a broad-based organization of businesses, industry leaders, trade associations and elected officials mobilizing around the shared mission of putting Americans to work by reauthorizing and strengthening the critical EB-5 Regional Center Program. For more information, please visit: www.eb5coalition.org.", "label": "Yes"}
+{"text": "Jessie Xuan Yang\nEquity Research | Investment Analysis\nJessie Yang is a second-year graduate student in the Quantitative Finance and Risk Management program. She earned a bachelor’s degree in Information and Computing Science from Shanghai University of Finance and Economics. Jessie previously interned as an equity researcher in a sell-side security company, and as an investment analyst in a private equity company. She has programming experience in Python, C++, and Matlab.", "label": "Yes"}
+{"text": "As a business owner, you understand how crucial it is to express gratitude to your loyal clients. What better way to accomplish this than with a gift that qualifies for a tax deduction? The Yankee Candle fundraiser fills this need. It is not only a wise business expense but also a terrific way to help your neighborhood. In this post, we’ll answer the question is the Yankee Candle Fundraiser tax deductable? Furthermore, we will discuss the tax benefits of a candle fundraiser and the excellent corporate presents that Yankee Candles make.\nCan you write off candles as a business expense?\nNonprofits should always reach out to sell their candles to local businesses. Did you know that a local company can buy 10 times what an individual may purchase> This is because a business often buys a gift at the end of the year to express appreciation for their best customers. This is a nice secret to multiplying your profits to reach your candle fundraising goal.\nHowever, a commercial businesss owner may wonder… Can i write this off as a business expense? Is the Yankee Candle Fundraiser Tax Deductible?\nHave you heard about the IRS $25 business gift rule?\nThe Yankee Candle fundraiser is tax deductible, first things foremost. The quick response is “yes”! Gifts provided to clients or customers that cost less than $25 per person are regarded as tax-deductible business costs, according to IRS regulations. It also qualifies for this tax credit because each Yankee Candle sold through the fundraiser only costs $20. However bear in mind that this tax deduction is subject to certain restrictions. For instance, you cannot write off presents that cost more than $25 per recipient as company expenses, nor can you write off gifts that you give to yourself or your family.\nWhy do Yankee Candles make great corporate gifts?\nAfter confirming that the Yankee Candle fundraiser qualifies for a tax deduction, let’s discuss why Yankee Candles make excellent corporate gifts. For starters, they are a reputable, high-quality brand that your clients will undoubtedly love. Also, you may select the one that best suits your company and your clients because they are available in a range of smells and sizes. Additionally, because candles are consumable goods, your consumers will probably finish them off and buy more, which means they’ll think about you every time they light a candle. This also helps your school, team or nonprofit because they will buy more next year!\nBut, the Yankee Candle fundraiser’s win-win nature may be its best feature. You not only get to help out your neighborhood and give your clients a kind gesture, but you also get to reduce your tax liability. It’s a wise business expense that can help you maintain control of your funds and gain the trust of your clients.\nTalk to a tax pro\nWe should point you that as we aren’t tax experts, we are unable to provide you with personalized tax advice. A CPA or tax accountant should always be consulted to ensure that you are adhering to local laws and regulations. But generally speaking, the Yankee Candle fundraiser is a wise option for business owners who want to express their gratitude to their clients while simultaneously benefiting from tax advantages.\nIn conclusion, the Yankee Candle fundraiser is a great way for business owners to support their local community, give their customers a thoughtful gift, and save money on taxes. With Yankee Candles priced at just $20 per gift, it’s an easy and affordable way to show your appreciation. So why not sign up for the Yankee Candle fundraiser today, and start making a list of all the business owners you know in your area? Your customers (and your wallet) will thank you for it!", "label": "Yes"}
+{"text": "Prestige Capital Solutions Helps Commercial Real Estate Investors, Developers and Self Storage Facility Owners secure loans for the acquisition, construction, renovation, and refinance of Self Storage units and facilities through our extensive relationships and networks of Self Storage lenders we are able to provide the best rates and terms available in the State of Florida for the financing of Self Storage Investments. We understand the underwriting of successful Self Storage Investments and strategies to generate the most revenue and cash flow for our clients as well as the specific underwriting requirements of the specific Self Storage lenders who are the appropriate fit for whatever specific goals and purposes you have for your Self Storage investments.\nTYPES OF WAREHOUSE LOANS WE PROVIDE:\nPrivate Equity Investment\nWHY USE PRESTIGE CAPITAL SOLUTIONS FOR YOUR SELF STORAGE INVESTMENT NEEDS?\nWE SAVE YOU TIME\nWE SAVE YOU MONEY\nWE STREAMLINE THE PROCESS\nWE HAVE THE KNOWLEDGE AND EXPERIENCE\nWE ARE HONEST AND BRING REAL VALUE TO OUR CLIENT", "label": "Yes"}
+{"text": "Remember you can't rely on single indicator waves , you should consider all things(indicators,fundamentals, technical) before entering trade.\nI take into consideration all things before trading! My Target for Profit will be same as I expect! Even a subtle fluctuation in price doesn't matter!\nCindicator Awesome Crypto!\nAs I mention before CND promising cryptocurrency having great team.\nIdea behind this cryptocurrency astonishing!\nAs in my Previous TA for CND we enter to a buy trade at $0.15 still holding these coins!\nGood buy entry point for short term and long term traders is $0.25 at the moment.\nSome key Points for Short traders buy at $0.25 with target of $0.48.\nLong term target will be same as i expected $0.93 before 25 June 2018.\nPrediction 26 in which i have mention target (click on link for Prediction 26) :\nNew Chart for update( Specially for Short term traders and long term trader entry point)", "label": "Yes"}
+{"text": "There are alot of things to like about Scottrade but getting divis or stock disbursements is not among them (also option prices and margin rate). I expect the value of the shares to show up today but the actual stock tomorrow.\nI disagree about Scottrade. Most of the time the divs are in my account the morning they are paid. I received the .32 today but not SBY. Remember that the stock distribution announcement said \"on or about April 24\".\nThese things take awhile. Don't expect anything this week. Another issue; sell this lousy holding, also NLY and AGNC. Buy REM, the ETF that holds all these plus others; 11.25% dividend, no K-1 and low mgmt. fee. Let those guys have the headache.", "label": "Yes"}
+{"text": "The Romanian company Appraisal & Valuation, one of the largest real estate appraisal companies in the local market, has acquired the online platform evalari-arta.ro, which specializes in the valuation of works of art.\nThe deal comes as Appraisal & Valuation prepares to list its shares on the AeRO market of the Bucharest Stock Exchange.\n“Appraisal of art objects is an area that complements the range of appraisal services offered by our company. This is fully consistent with the vision of our company, which implies constant horizontal development, adding new value-added services to existing ones, ”said Andrey Botis, CEO of Appraisal & Valuation.\nAppraisal & Valuation SA, founded in 2010, owns the NAI Romania brand and at the same time is one of the leaders in the valuation services market.\nNAI Global is a network of independent commercial real estate companies and one of the world’s largest commercial real estate service providers.\nThe company completed a private placement in June and will list its shares on the AeRO market in the third quarter of this year under the ticker APP.\n(Photo courtesy of the company)", "label": "Yes"}
+{"text": "Bakkt Holdings just recently announced a partnership with Quiznos to launch the pilot for their brand-new Bitcoin payment system. This will permit Bakkt users to purchase food at some Quiznos locations in Denver utilizing the digital possession.\nQuiznos: Buy a Sandwich With Bitcoin\nBakkt users will be able to use the pilot in certain Quiznos stores across Denver beginning this month. This consists of the high-traffic Denver airport place.\nChief Revenue Officer at Bakkt, Sheela Zemlin, expanded on the significance of the new system being adopted by Quiznos:\n“This is an exciting tentpole moment for us as we connect the next generation of consumer experiences to the digital economy… … Through this partnership, we are introducing special experiences to Quiznos consumers by allowing them to take advantage of new ways to connect with digital possessions and bringing bitcoin utility to the mainstream customer market.”\nUpon monitoring the efficiency of the brand-new pilot, Bakkt may “expand the partnership” to Quiznos areas throughout the country, according to Zemlin. According to ChainXY, there are now 216 Quiznos dining establishment places across the U.S.\nPresident of REGO Restaurant Group (which owns Quiznos) Mark Lohmann discussed why he believes the collaboration is useful to the company.\n“Partnering with an ingenious platform such as Bakkt is appealing to us for a number of reasons, primarily due to the fact that it permits us to accept bitcoin directly at the point of sale as part of a fast and smooth transaction.”\nLohmann included that the business is delighted to provide yet another method for consumers to purchase their food, utilizing the Bakkt digital possession wallet in this circumstances.", "label": "Yes"}
+{"text": "Maybe George Bailey should've jumped — and made his savings and loan a commercial bank.\nIf he had, he'd have been much better prepared for the Federal Reserve's recent decision to raise certain capital requirements, a move some are calling the death knell for the classic thrift business model: lend to home buyers like crazy.\n\"We believe that regulatory changes following the financial crisis … have ended the viability of the thrift industry,\" analysts at Keefe, Bruyette & Woods wrote last week. \"Higher capital requirements will not support the revitalization of the thrift industry, in our opinion, and as a result the industry will continue to fade away.\"\nThrifts have historically focused on residential loans, pretty much to the exclusion of all else. Maintaining high leverage allowed thrifts to post profits in spite of low margins and negligible fee income, said Frederick Cannon, Keefe Bruyette's chief equity strategist.\nNo longer. With residential real estate values battered by recession, such mortgages are now a higher-risk asset class, and many thrifts are dramatically reducing their dependence on home loans, in favor of different revenue streams.\nIn 2006, for example, the median ratio of residential mortgages to total loans at the 20 biggest thrifts was 78%. At March 31 of this year that ratio stood at just 61%, according to KBW.\nThe trend is likely to continue. The Fed's decision to adopt international capital standards promulgated by the Basel Committee on Banking Supervision will push even more thrifts to abandon the old thrift model, Cannon says. Banks have until 2019 to comply with the Fed's new capital requirement.\nThe declines are apparent at some of the biggest thrifts.\nFlagstar Bancorp in Troy, Mich., reduced its ratio of residential mortgages to 72% at March 31, from 90% in 2006.\nAt Investors Bancorp the ratio fell to 58% at the end of the first quarter, down from 90% in 2006. The $11 billion-asset Short Hills, N.J., company on Monday said it would buy Marathon National Bank, which has 13 branches around New York.\nA number of small thrifts, meanwhile, have abandoned their old ways by scrapping their thrift charters, getting out of the residential mortgage business, or both. ViewPoint Financial Group, a $3.5 billion-asset banking company in Plano, Texas, earlier this month agreed to sell its home-lending unit to a nonbank mortgage lender. ViewPoint converted to a commercial bank charter last year, abandoning its thrift charter.\nThe $9.5 billion-asset Sterling Financial in Spokane, Wash., became a commercial bank in 2005 and has since reduced its exposure to single-family mortgages. The company in February dropped \"Savings\" from the name of unit Sterling Bank, severing any ties to its days as a thrift.\nAnd Greene County Bancorp retains a savings association bank charter, but it has operated more like a commercial bank since the late 1990s, said Don Gibson, the Catskill, N.Y., company's president and chief executive. While one- to four-family residential loans still make up about 71% of the $579 million-asset company's loan book, Greene County has been putting more emphasis on its commercial lending, he said.\n\"Everyone has to find their niche, and the traditional thrift model doesn't work well for us,\" Gibson admitted. \"Just because you're chartered as a thrift doesn't mean you are a thrift.\"\nSome savings and loans are digging in their heels.\n\"A lot of our peers have moved in the direction of being a commercial bank,\" said Peter Boger, the chairman, president and chief executive of Ridgewood Savings Bank in Queens. \"I don't see that happening anytime soon here.\"\nBoger's $4.8 billion-asset institution is the largest mutual thrift in New York. \"The thrift is alive and well at Ridgewood,\" he said.\nDouglas Faucette, a banking lawyer at Locke Lord, said many smaller thrifts have stuck to their guns and continue to focus on one- to-four-family residential real estate loans. And the stricter capital standards won't cause these small thrifts to blink an eye, he said.\n\"If you look at the financials of community thrifts, they could care less about Basel,\" Faucette said. \"The whole concept of additional and supplemental capital is foreign to them. They've always been overcapitalized.\"\nRidgewood, which has more than two-thirds of its loan book in the first quarter in one- to four-family residential loans, already surpasses the Basel capital requirement, Boger says. At March 31, Ridgewood posted a total risk-based capital ratio of 23.8% and a leverage ratio of 12.2%.", "label": "Yes"}
+{"text": "Analysts Set $28.25 Target Price for Reading International Inc (RDI)\nReading International Inc (NASDAQ:RDI) has been given an average broker rating score of 1.00 (Strong Buy) from the two brokers that cover the company, Zacks Investment Research reports. Two analysts have rated the stock with a strong buy rating.\nAnalysts have set a 1-year consensus price objective of $28.25 for the company and are expecting that the company will post $0.14 EPS for the current quarter, according to Zacks. Zacks has also assigned Reading International an industry rank of 168 out of 265 based on the ratings given to its competitors.\nA number of research analysts have commented on RDI shares. BidaskClub upgraded shares of Reading International from a “hold” rating to a “buy” rating in a research note on Friday, September 15th. Zacks Investment Research cut shares of Reading International from a “hold” rating to a “sell” rating in a research note on Friday, November 17th. Finally, Gabelli started coverage on shares of Reading International in a research note on Friday, December 1st. They set a “buy” rating for the company.\nReading International (NASDAQ:RDI) last announced its quarterly earnings results on Monday, November 6th. The company reported $0.07 EPS for the quarter, missing analysts’ consensus estimates of $0.11 by ($0.04). The business had revenue of $66.09 million for the quarter, compared to the consensus estimate of $65.70 million. Reading International had a return on equity of 8.16% and a net margin of 8.70%. analysts expect that Reading International will post 1.15 earnings per share for the current fiscal year.\nSeveral hedge funds and other institutional investors have recently bought and sold shares of RDI. Van Den Berg Management I Inc. increased its holdings in shares of Reading International by 56.0% during the third quarter. Van Den Berg Management I Inc. now owns 295,085 shares of the company’s stock worth $4,639,000 after buying an additional 105,897 shares in the last quarter. Eidelman Virant Capital increased its holdings in shares of Reading International by 32.1% during the third quarter. Eidelman Virant Capital now owns 377,650 shares of the company’s stock worth $5,936,000 after buying an additional 91,850 shares in the last quarter. Gabelli Funds LLC increased its holdings in shares of Reading International by 123.5% during the third quarter. Gabelli Funds LLC now owns 84,373 shares of the company’s stock worth $1,326,000 after buying an additional 46,623 shares in the last quarter. Wedge Capital Management L L P NC acquired a new stake in shares of Reading International in the second quarter valued at approximately $671,000. Finally, Gamco Investors INC. ET AL increased its holdings in shares of Reading International by 52.7% in the third quarter. Gamco Investors INC. ET AL now owns 112,382 shares of the company’s stock valued at $1,767,000 after purchasing an additional 38,800 shares in the last quarter. 35.17% of the stock is owned by institutional investors.\nILLEGAL ACTIVITY NOTICE: This piece of content was first published by Watch List News and is owned by of Watch List News. If you are accessing this piece of content on another publication, it was illegally stolen and reposted in violation of U.S. & international copyright and trademark law. The correct version of this piece of content can be accessed at https://www.watchlistnews.com/analysts-set-28-25-target-price-for-reading-international-inc-rdi/1766730.html.\nAbout Reading International\nReading International, Inc (RDI) is engaged in the development, ownership and operation of multiplex cinemas in the United States, Australia, and New Zealand, and the development, ownership and operation of retail and commercial real estate in the United States, Australia and New Zealand. RDI operates through two segments: cinema exhibition and real estate.\nFor more information about research offerings from Zacks Investment Research, visit Zacks.com\nReceive News & Ratings for Reading International Daily - Enter your email address below to receive a concise daily summary of the latest news and analysts' ratings for Reading International and related companies with MarketBeat.com's FREE daily email newsletter.", "label": "Yes"}
+{"text": "Generate random Visa credit card numbers with expiry date, with cvv, with name, etc., and you can specific the generated quantity, separator, expiry date,cvv,name and generated format. Working Free credit card generator 2019, All about real Free credit cards numbers.Working valid real credit cards with money on them using visa cc gen. As they recommend our visa card generator and other credit card numbers result are so accurate, we can guarantee you are at right place. We believe that we can help you in financial situations with our best real valid free credit card numbers that work online. Those card numbers validated using our credit card validator and checker for. We choose not to provide this data but you can easily make up this information. The real challenge is getting a valid credit card number which passes the test so that's what we focused on. Feel free to use the online credit card number generator as many times as you wish.\nSample Visa, MasterCard, Discover, Amex, JCB, Credit Card For India. Following are the list of sample India Visa, MasterCard, Discover, AmericanExpress, JCB Credit card numbers which you can use any India website to bypass registration process where you don't want to reveal your real India Credit Card. The Most Powerful Credit Card Generator. Generate credit cards from MasterCard, Visa, American Express, Discover, UnionPay, JCB for testing purposes. Disclaimer: All generated credit card numbers are valid, but have no real value, credit cards are not real. The most advanced credit card generator. Fake Credit Card Generator is the most advanced credit card generator on the internet. Generate VISA 16 digit, Mastercard, VISA 13 digit, American Express, Discover, Diners Club, enRoute, JCB 15 digit, JCB 16 digit, Voyager, credit card numbers, cvv2, card expiry date, and more absolutely free. Credit card generator that generates real credit card numbers with cvv, name, expiration date and zip code 2019. This credit card number generator creates credit card details of all the major brand such as Visa, MasterCard, discard, discover and all other brands. This Amazing credit card generator allows you to get the latest collection of credit card number with names epiry date and cvv. You can also generate your own in single or bulk format.\nReal Working Credit Card Generator With Money 2019 – Nowadays, credit card has become an important means of transaction. Instead of using money, people start to use the cards more often, especially when it deals with big amount of money. Credit Card Generator Tool for creating balanced credit card numbers & BIN Codes Version 2019 Credit Card Generator With Money Database updated at 2019-12-19. Create MasterCard, Visa, American Express, Diners Club, Discover, JCB and Voyager credit cards & debit cards with $100,00 to $5.000,00 money amount balanced.\n|Real credit card generator, CD Key Generator 7.1, Micro sD Card Data Recovery 18.104.22.168, Virtins Sound Card Signal Generator 3.1.Streamline Your Debt Mortgage Accelerator is a very unique tool that allows you to use a Home Equity Line of Credit to help pay down your home loan.||Ever use one of those new prepaid credit cards for Hulu or Netflix and didn’t want to use your real information. Use our online fake profile generator to help you create that data.||Credit Card Generator All these generated credit card numbers are 100% valid and comply with all credit card rules, but these credit cards are not real, cvv, expires,.|\ncc generator improved for you to get Best real Bank Visa card numbers.Use this valid credit card generator with cvv that work in 2019. Online Bulk Credit Card Generator. Working CC Numbers valid for virtual credit cards. Issuers are VISA, MASTERCARD, American Express, AMEX. With CVV Security Code Money Balance Network Brand Bank Name Card Holder Name Address Country Zip Code Expiration Date.\nCredit Card Generator. A valid credit card number has several fields and each of them has a meaning. For the technically inclined, this number complies to the ISO 7812 numbering standard. 09.01.2019 · Free Visa Credit Card Numbers 2019. Hey, don’t get discouraged by the facts that it’s only people who have big money and active credit cards who. Get Real credit card numbers,All about free valid active test credit card numbers with money on them.These visa cards from rich people using cc generator.\n04.01.2019 · Best Credit Card Generator With CVV 2019 Real Active Credit Cards 2018. In this case, you will get the best credit card generator with money when you can obtain the CVV. This is card verification value. All of the credit card has CVV and this is the crucial information. When you can get the CVV, it can be said that you are already get the real. Fake credit card numbers for all major brands. These credit card numbers DO NOT work! They are for testing purposes only. Without a valid owner name, an expiration date and a valid CVV code, they can't be used for real transactions.\nValid Credit Card Numbers Explained. Our platform generates 100% valid credit card numbers which are completely random. When we say a valid credit card number we are basically implying that these credit card number are created with the same numbering formulation as of those a real credit card numbers which can be easily done by simply assigning. KeyCardGen is the website made to provide you with a working card generator of the gift card and credit card details. We had almost every type of very credit card generator and your very known brands of gift card generator too.\nShou Sugi Ban Roteiche 2021\nAnne Hathaway Und Matthew Mcconaughey Filmen Zusammen 2021\nUri Surgical Strike Film Online Sehen Hd 2021\nBester Muscle Roller Stick 2021\nLassen Sie Unicorn Poop Poopsie Slime Surprise 2021\nDr. Teal's Lavendelöl 2021\nChin Lift In Meiner Nähe 2021\nKsubi Jeans Fit 2021\nRote Lederhandschuhe Amazon 2021\nBeste Pickup Truck Angebote 2021\nWeltraumberg 1975 2021\nLustige Spanische Comics 2021\nCharlotte Tilbury Mini Set 2021\nBlack Friday Sale Huda Schönheit 2021\nMacpwn High Sierra 2021\nBall State Cardinals Karten 2021\nTürkische Abendkleider Online 2021\nReis Law School 2021\nMikro-zöpfe Auf Langem Naturhaar 2021\nRindfleisch Und Brokkoli Rezept Panda Express 2021\nKraftstoff Maverick D260 2021\nBrust Eingewachsenes Haar Symptome 2021\nJohn L Scott Broker Care 2021\nShrek Knock Knock Witze 2021\nRömische Republik Gegründet 2021\nNew Balance Balance Nitrel Sn84 2021\nBedeutung Jedes Emoji-gesichts 2021\nHarter Stoß Oben Auf Hand 2021\nAufgeteilte Erbse Und Rote Linsensuppe 2021\nInteressante Brunch-ideen 2021\nSqa Advanced Higher English Dissertation Beispiele 2021\nMikrowellenwagen Mit Schränken Und Schubladen 2021\nVeterans Day Banks Und Post 2021\nSap Integrated Security & It-dienstleistungen Private Limited 2021\nRosa Und Graue Polka Dot Bedding 2021\nAdidas Response Light 2021\nPelican 1720 Custom Schaum 2021\nWeihnachtsgeschenke Für 13-jährige 2018 2021\nWas Sind Die Jahre Der Baby Boomer Generation 2021", "label": "Yes"}
+{"text": "In a blow to the long-term future of certain coal-fired capacity, the Public Utilities Commission of Ohio (PUCO) on Feb. 25 modified and approved an electric security plan (ESP) for AEP Ohio that doesn’t include help for the Kyger Creek and Clifty Creek coal plants.\n“Today’s decision adopts a comprehensive plan that will promote a competitive environment for AEP Ohio’s customers and support future electric reliability in Ohio,” said PUCO Chairman Thomas W. Johnson in a Feb. 25 statement.\nIn reaching its decision, the commission declined to adopt the company’s proposed purchase power agreement as it relates to the company’s interests in Ohio Valley Electric Corp., which controls the Kyger Creek and Clifty Creek plants and is owned by several power generating companies. Although the commission found that the proposed power agreement (PPA) mechanism was permitted under Ohio law, after weighing the evidence of record, it was not persuaded that the proposal would benefit ratepayers.\nOhio, with its deregulated structure, holds a lot of uncertainties for aging coal-fired capacity. The rejected PPA rider would have assured the future of this capacity for several years, allowing it stability that the open market doesn’t provide. AEP Ohio, a unit of American Electric Power (NYSE: AEP), had said the PPA would have provided rate certainty to customers.\nSaid the PUCO decision about this proposal: “In this ESP, AEP Ohio requests approval of a non-bypassable PPA rider to be used as a hedge against future market volatility, in order to stabilize customer rates. Initially, the proposed PPA rider would be based solely on AEP Ohio’s OVEC contractual entitlement from the Kyger Creek and Clifty Creek generating stations, although the Company seeks to reserve the opportunity to include additional PPAs in the rider. As proposed, AEP Ohio’s OVEC contractual entitlement, including energy, capacity, and ancillaries, would be sold into the PJM Interconnection, LLC (PJM) market and, after deducting all associated costs from the revenues, the proceeds from the OVEC contractual entitlement, whether a credit or a debit, would accrue to Ohio ratepayers.\n“AEP Ohio submits that selling the OVEC entitlement into the PJM market eliminates any adverse impact on the [standard service offer] auctions and does not affect the opportunity of competitive retail electric service (CRES) providers to compete for customers. OVEC’s costs, according to AEP Ohio witnesses Vegas and Allen, are relatively stable, in comparison to the wholesale power market, and rise and fall in a manner that is counter-cyclical to the market, thereby creating the PPA rider’s hedging effect for ratepayers. AEP Ohio proposes that the PPA rider would be adjusted annually to reconcile projected expenses and revenues with actual data. AEP Ohio also notes, regarding the possible expansion of the PPA rider, that the Company is only considering the inclusion of future PPAs with its affiliates.”\nBut the PUCO said in rejecting this proposal that this rider would limit the ability of ratepayers to shop for their power and would be a net cost to ratepayers. “In sum, the Commission is not persuaded, based on the evidence of record in these proceedings, that AEP Ohio’s PPA rider proposal would provide customers with sufficient benefit from the rider’s financial hedging mechanism or any other benefit that is commensurate with the rider’s potential cost. We conclude that AEP Ohio has not demonstrated that its PPA rider proposal, as put forth in these proceedings, should be approved under [state code]. Nevertheless, the Commission does believe that a PPA rider proposal, if properly conceived, has the potential to supplement the benefits derived from the staggering and laddering of the SSO auctions, and to protect customers from price volatility in the wholesale market. We recognize that there may be value for consumers in a reasonable PPA rider proposal that provides for a significant financial hedge that truly stabilizes rates, particularly during periods of extreme weather. As we have consistently emphasized in AEP Ohio’s prior ESP proceedings, rate stability is an essential component of the ESP. Accordingly, the Commission authorizes AEP Ohio to establish a placeholder PPA rider, at an initial rate of zero, for the term of the ESP.”\nOVEC operates the Kyger Creek plant in Cheshire, Ohio, which has a nameplate capacity of 1,086 MW. It also operates the Clifty Creek in Madison, Ind., with a nameplate capacity of 1,304 MW.", "label": "Yes"}
+{"text": "PNB says to honour ‘bona fide’ liabilities, stops short of accepting full liability; finmin sees no system risk.\nA day after Punjab National Bank (PNB) disclosed a $1.77-billion fraud in a regulatory filing, causing the bank’s stock to lose a fifth of its market value and triggering some concerns whether such incidents might have occurred elsewhere in the banking system as well, the finance ministry and the state-run bank itself tried to soothe nerves. And the law enforcement agencies were quick on their toes too. PNB said it will honour all “bona fide commitments” on the letters of undertaking (LoUs) illegally issued by a Mumbai branch allegedly to firms controlled by billionaire jewellers Nirav Modi and Mehul Choksi, causing the mammoth fraud. However, the bank’s managing director Sunil Mehta stopped short of owning up to the entire liability until investigations by various agencies conclusively suggest so.\nIn a tweet, the Enforcement Directorate said it searched “17 premises across India of Nirav Modi & Geetanjali Gems in case related to fraud in PNB” on Thursday and seized “stocks of gold, diamond & precious stones worth Rs 5100 crore”. The raids, PTI reported, came after the agency filed a `280-crore money-laundering case against Modi, his wife Ami, brother Nishal and business partner Mehul Choksi on Wednesday, following a complaint by PNB.\nStressing that the culprits in the PNB fraud case won’t be spared, financial services secretary Rajeev Kumar separately said the bank will make the required provisioning for any liability and that it has “sufficient” funds for it. “Whole lot of assets will be recovered. Nobody will be spared,” Kumar said.\nFor its part, the finance ministry believes the fraud doesn’t pose broader systemic risks; still, the ministry is monitoring the development closely, a senior official told FE. Mehta too said the fraud was confined to only one branch and is not widespread.\nUnder relentless attack from a united Opposition over the fraud at the second largest state-run lender, government managers asserted that no one, however high and mighty, will be spared if found to be complicit in it and investigations that it will be carried out at a brisk pace. Union minister and senior BJP leader Ravi Shankar Prasad said: “I wish to make it very clear on the behalf of the government that no one, who has sought to derail ordinary banking system, shall be spared, regardless of any individual’s stature and status.”\nIn a cautionary letter to chiefs of 30-odd banks, PNB has hinted other banks may have been lax in their due diligence, as stipulated by the central bank, while entertaining these fake LoUs. Mehta said PNB’s exposure to various firms controlled by Modi and Choksi would be roughly Rs 1,700 crore, excluding the LoUs. Choksi has denied any wrongdoing by him or his company.\n“If the investigation process says it is (entirely) our liability, then we will accept it,” Mehta told reporters. These LoUs helped these companies raise buyer’s credit from international branches of other banks, which feel PNB must honour its LoUs based on which they lent to the firms related to Modi.\nPNB hasn’t yet received any directive from the Reserve Bank of India (RBI) on its share of liabilities, Mehta said, adding, however, that it will go by any directive from the central bank on the extent of liabilities.\nThe fraud couldn’t have come at a worse time as the lender is still trying to trim its gross non-performing assets from as much as 12.11% of gross advances. Its total provisions (other than tax) and contingencies made during the third quarter of 2017-18 climbed 74% to Rs 4,466.68 crore. Its net profit in the first three quarters of this fiscal stood at Rs 1,134 crore, up Rs 1,063 crore from a year before. This means its finances would be badly hit if it is to make provisions for the liabilities from this fraud.\nMehta said the fake LoUs were being issued since 2011 and the bank first detected the fraud on its own in the third week of January. “We approached CBI on January 29 this year and immediately filed an FIR,” he said. “We are in the recovery mode and looking to protect the financial interest of all lenders.”\nMehta said Modi had conveyed his willingness to pay but the bank has asked him to come up with a concrete action plan. “He (Modi) had last week sent us an email offering to repay the dues. We have not accepted the vague offers. We have asked him for a concrete repayment plan,” Mehta said.\nAsked how such fraudulent activities escaped the monitoring of the bank management and auditors, Mehta said these LoUs were issued using the SWIFT interbank messaging system, without making corresponding entries in the bank’s own books, thus, preventing any oversight. Since the fraud has been detected by the bank itself, there may not be any requirement for a forensic audit. However, should the bank feel the requirement of it, it may opt for one.\nED sleuths swooped down on at least 10 premises linked to the case early this morning. They searched Modi’s residence in Kurla, jewellery boutique in Kala Ghoda area, three company offices in Bandra and Lower Parel in Mumbai, three premises in Surat in Gujarat and Modi’s showrooms in Chanakyapuri and Defence Colony in Delhi.", "label": "Yes"}
+{"text": "Registered education savings plan\nA registered education savings plan (RESP) in Canada is an investment vehicle available to caregivers to save for their children's post-secondary education. The principal advantages of RESPs are the access they provide to the Canada Education Savings Grant (CESG) and as a method of generating tax-deferred income.\nAn RESP is a tax shelter designed to benefit post-secondary students. With an RESP, contributions (comprising the investment's principal) are, or have already been, taxed at the contributor's tax rate, while the investment growth (and CESG) is taxed on withdrawal at the recipient's tax rate. An RESP recipient is typically a post-secondary student; these individuals generally pay little or no federal income tax, owing to tuition and education tax credits. Thus, with the tax-free principal contribution available for withdrawal, CESG, and nearly-tax-free interest, the student will have a good source of income to fund their post-secondary education.\nCanada Education Savings Grant\nThe Canada Education Savings Grant (CESG) is provided to complement RESP contributions, wherein the government of Canada contributes 20% of the first $2,500 in annual contributions made to an RESP. After changes introduced in the 2007 Canadian federal budget, the government may contribute up to $500 per year to a participating RESP, to a lifetime maximum of $7,200. This income is available upon withdrawal from the RESP by a post-secondary recipient, with a maximum lifetime contribution of $50,000. Any contributions over this amount are subject to taxation.\nThe government grants introduced in 2005, entitled Additional CESG, allowed an additional 10% or 20% for a total of an extra 30 or 40 cents on each dollar of the first $500 contributed to an RESP, depending on the family income of the beneficiary's primary caregiver. An application is made through the promoter of the RESP, which is often a bank, mutual fund company or group RESP provider.\nCanada Learning Bond\nThe government of Canada also provides a Canada Learning Bond (CLB) to encourage low-income families to contribute to an RESP. Families with children born on or after January 1, 2004, and who receive the National Child Benefit, will receive an additional $500 CLB when they open an RESP and $100 for each year they remain eligible.\nAlberta Centennial Education Savings Grant\nThe Alberta Centennial Education Savings (ACES) grant was introduced in 2005 by the Alberta government to encourage families to begin planning and saving for their children's post-secondary education.\nThe government of Alberta contributes $500 to an RESP for babies born to or adopted by Alberta residents on or after January 1, 2005. The Alberta government then contributes a $100 Alberta Centennial Education Savings Grant to students who are enrolled in school in Alberta, and have turned the age of 8, 11, or 14 in 2005 or later.\nThe provincial government announced in March 2013 that the program would be phased out, but did not provide a final date.\nThe provincial government announced, in March 2015, that the plan is closing in 2015/16 fiscal year. Applicants will no longer be accepted by RESP providers and promoters on or after July 31, 2015. \nSaskatchewan Advantage Grant for Education Savings\nThe government of Saskatchewan has announced the Saskatchewan Advantage Grant for Education Savings (SAGES) to benefit children in the province. The legislation was to be implemented in 2013.\nQuébec Education Savings Incentive\nThe Québec education savings incentive (QESI) was launched in February 2007 and is a tax measure that encourages Québec families to start saving early for the education of their children and grandchildren. Universitas Financial commissioned a financial study in 2006 recommending the creation of an education savings incentive in Quebec and gave a number of presentations for this purpose to the provincial government.\nAny principal contributed to the RESP can be withdrawn at any time by its contributor. In this case, any eligible CESG payments on those contributions must be repaid to the Government. If the beneficiary has also received additional CESG, none of the beneficiaries in the plan will be eligible for additional CESG for the next two years. If the student elects to not attend a post-secondary institution, any accumulated interest may be withdrawn by the contributor; this is called an AIP (Accumulated Income payment). To receive this AIP, the plan must be in place for at least 10 years and all beneficiaries must be over 21 years old. This AIP is taxed as income unless it is rolled into a registered retirement savings plan (RRSP), subject to individual contribution limits and applicable rules.\nIn group RESPs (otherwise known as Group Scholarship RESPs), individual contributions are pooled with those of other contributors. In a pooled group plan, the interest that is left behind from cancelled RESPs gets paid out with the matured plans. This excess \"interest\" is also called attrition.\n- 529 plan (United States)\n- Canada, Government of Canada, Employment and Social Development. \"Saving for your Child's Education\". www.esdc.gc.ca. Retrieved 2015-12-13.\n- Canada, Government of Canada, Employment and Social Development. \"Canada Education Savings Grant | RESP and Education Savings in Canada | CanLearn.ca\". www.canlearn.ca. Retrieved 2015-12-13.\n- Canada, Government of Canada, Employment and Social Development. \"Canada Learning Bond | RESP and Education Savings in Canada | CanLearn.ca\". www.canlearn.ca. Retrieved 2015-12-13.\n- CanLearn (November 9, 2009). \"Alberta Centennial Education Savings Plan Quick Facts\". Government of Canada. Retrieved 2010-03-03.\n- Alberta Enterprise and Advanced Education. \"Alberta Centennial Education Savings Plan\". Alberta Government Ministries. Retrieved 2013-05-25.\n- Alberta Enterprise and Advanced Education. \"Alberta Centennial Education Savings Plan\". Alberta Government Ministries. Retrieved 2015-03-31.\n- Government of Saskatchewan (2012-12-03). \"Saskatchewan Advantage Grant for Education Savings Legislation Passed\". Retrieved 2013-03-25.\n- Collette, Olivia (2015-11-16). \"The RESP: A win-win for families and society\". Montreal Gazette. Retrieved 2019-01-17.\n- Revenu Québec. \"Québec education savings incentive\". Gouvernement du Québec. Retrieved 2010-03-03.\n- Revenu Québec. \"Determining the QESI amount\". Gouvernement du Québec. Retrieved 2010-03-03.", "label": "Yes"}
+{"text": "ARE you thinking of buying a home, but not sure you qualify? The Loan Ranger is here to help you every step of the way. We have 5,000 loan programs which gives us 5,000 ways to say YES, YOU ARE APPROVED!!!\nThe Loan Ranger team is devoted to providing exceptional service to everyone regardless of credit. We provide every client with a loan program that best fits their needs—no matter what their situation. We offer loan programs that can fit a broad range of client needs. It does not matter if you are a first-time home buyer or seasoned homeowner needing a refinance.\nFIRST- TIME HOMEBUYERS – DON’T WAIT TO BUY YOUR DREAM HOME\nAre you looking to buy your first home? Don’t let a low credit score stop you. The Loan Ranger Team understands not all borrowers have great credit scores. In this imperfect world, it is no wonder there are people with imperfect credit.\nIs your mailbox stuffed full of bills? Are you looking for a way to reduce stress and lower your monthly bill payments? When you consolidate your debt with The Loan Ranger you open yourself up to these possibilities becoming realities.\nThe Loan Ranger Team strives to help everyone become homeowners regardless of credit. Do not let your past credit history haunt you for the rest of your life, take action and apply today. We want to be your first choice each and every time you need a home loan. We always try to go above and beyond for you so that you will always feel confident referring your family and friends to us for their mortgage financing needs. Take advantage of our expertise in the residential lending industry by applying online today.", "label": "Yes"}
+{"text": "For Therapists: Helping Individuals Navigate the Financial Aid Process\nOur Standard Decision timeline is technically behind united states, which means trainees and therapists can heave a heave a sigh of elimination while my colleagues u shut each of our doors, measure away from all of our email inboxes, and get hectic reviewing information. However , with these February you financial aid deadline day just around the corner, there may be likely still some give good results left to undertake for students in addition to families in search of financial aid as part of all their admission to help Tufts. If you are an college psychologist or teacher wondering how you can best aid your seniors at this time, here are some recommendations coming from a financial aid lover:\n– Clarify terms\nFor a lot of students, educational funding terminology could feel like a totally new language, one particular filled with peculiar acronyms and also unfamiliar speech like Pell grant or even Federal Guide loans. Offering a glossary about some common school funding terms (like this one out of my coworker Meghan) might better prepare yourself students to promote their parents/guardians to submit school funding documents, along with empower them with the knowledge to navigate the exact aid revival process separately during their later years of college.\nClarifying language is incredibly important for being able to help students face the big distinctions that advise the federal loans process. For example , is a scholar classified when dependent , meaning they can be required to give parental material to be viewed as for solution, or 3rd party , that means they interact with one or more on the federal condition to submit merely their own source of income information? While many high school more mature adults applying to come to be first-time young people will be reliant students, non-traditional students or even students through special scenarios may need supplemental support interpretation and documenting their dependency status.\nAdditionally , if a present student’s legal mother and father are single or separated and don’t are living together, the scholar might need assist distinguishing their valuable custodial and non-custodial parent . A custodial parent is the parent along with whom the student lived many during the past season or, if ever the amount of time is certainly equal on parents, often the parent just who provided far more financial help support during the past yr. Tufts College and many other schools, especially those that require typically the CSS Account, will require finance information coming from both appropriate parents to figure out a student’s need, while the Free Plan for Govt Student Assistance which can help determine eligibility regarding federal university student aid services requires basically custodial father or information. When a student falls short of contact with some noncustodial parent or guardian, they will likely have the help of their school doctor to seek some sort of waiver for that non-custodial (NCP) Profile.\n2 . Assemble documents\nOnce young people understand whose information needs to apply for educational funding, it’s a chance to assemble the ideal documents. The exact FAFSA, CSS Profile, along with any institutional financial aid creates will require pupils to research specific tier amounts on tax paperwork and other financial statements. With regard to families submitting taxes in the states, these written documents generally include federal taxation statements (Form 1040, including almost all Schedules) homeworkstuff.com/, wage statements (typically W-2 and also 1099 forms), and transactions of resources (such since retirement financial savings accounts or maybe college monetary accounts). Possessing these supplies nearby before you begin to put together financial aid varieties will help steer clear of uncertainty, stress, blank responses, and skipped deadlines. Conversing from very own experience aiding students using the process, no-one wants some sort of lost W-2 to be the reason a financial enable package is definitely delayed or even reduced!\n3. Dept . of transporation the i’s and frustrated the t’s\nAfter a individual submits all their initial educational funding forms, they must pat them selves on once again, take a full breath… plus prepare to carry out a few more measures. For example , Tufts and many individuals peer organizations require students to add signed and also scanned duplicates of parents’ and students’ federal levy documents in the College Board’s Institutional Documentation Service, known as IDOC. In addition , some scholars will be picked by the Team of Learning for procedure called proof, which requires students to submit additional paperwork, such as taxes return transcripts or evidence federal help, to each school funding office to be able to confirm the information listed very own FAFSA. Other students may very well be required to produce proof of citizenship status to each financial aid office environment if the citizenship status on the financial aid varieties does not coordinate what is at file with the US Social Security Software, which is well-known for students who else became Us residents through the naturalization process.\nEach and every institution would have different demands, deadlines, and also procedures to follow along with and, unfortunately, it is often these kind of intricate women steps that prevent pupils from filling out the financial aid process by the due date. For this reason, service from counselors, teachers, and guides can have an enormous impact, because can getting in touch with college school funding offices directly. Even if your company student provides submitted all their FAFSA plus CSS Description at this point, That i recommend recording back in and even checking to make sure that that the FAFSA was ready-made successfully and the student bundled all schools to which they are yet to applied on equally forms.\nWithin Tufts, pupils can easily trail the standing of their financial aid materials on the application position page, but if you act like you or your scholars find yourselves with certain questions, please reach out. Each of our financial aid home office is here to aid!", "label": "Yes"}
+{"text": "Former Super System Review chair Jeremy Cooper has hit back at ASIC’s claim that advisers are not sufficiently qualified or focused on retirement advice, saying the blame needs to be laid with other service providers.\nSpeaking at the Australian Securities and Investments Commission (ASIC) Annual Forum in Sydney yesterday, Cooper – who led the federal government’s review of the Australian superannuation system and is now a senior executive at Challenger – said the role played by advisers in the retirement process is often misrepresented.\n“We tend to blame advisers a lot of the time for the difficulties around retirement,” he said.\n“But really we should be blaming politicians and policymakers and institutions and product providers who have designed the system.\n“Poor advisers are on the frontline but the reality is that retirement is complex and expensive.”\nCooper’s comments were in response to ASIC Commissioner Peter Kell, who told the same event that the regulator is concerned about the work of financial advisers in the retirement phase of their clients’ financial lives.\n“Far too many advisers are not able to give strategic advice around retirement issues but are too focused on the accumulation phase,” he said.\nBernard Salt of KPMG, who also addressed the forum, said more broadly that the ‘baby boomer’ generation now entering retirement had “unrealistic expectations” of their financial advisers, as well as politicians and society in general.\n“These unrealistic expectations are what led to the situation in Greece and Turkey and what will ultimately be the ‘day of reckoning’ in Australia.”\nSUBSCRIBE TO THE IFA DAILY BULLETIN\n- 15 Feb 2019ASIC to undertake harsher penalties against banksBy Eliot Hastie\n- 15 Feb 2019Court restrains unlicensed firm from operatingBy Adrian Flores\n- 15 Feb 2019ASIC used Dover whistleblowing to shut licensee downBy Adrian Flores\n- 15 Feb 2019Minimal time spent on client engagement, survey findsBy Adrian Flores\n- 15 Feb 2019Advice regtech aims to ease CPD burden under FASEABy Adrian Flores\n- 14 Feb 2019AMP adviser network declined 4.6% in 2018By Adrian Flores\n- view all", "label": "Yes"}
+{"text": "Get a negative Credit Loan in Adrian, MI\nIf you are trying to find “bad credit loans” in Adrian, MI, we’ve the important information not to just get financing with bad credit, but additionally get possibly favorable loan terms. It could appear quite difficult to obtain the loan you’ll need with reasonable terms for those who have bad credit. It would likely feel just like the world is working against you due to a low credit rating. But do not worry, you can still find solutions. There are methods you are able to borrow cash also with bad credit.\nBad credit loans are addressed exactly like unsecured loans. They’ve been money you borrow and repay in predetermined equal payments. Continue reading\nA number of definite offenders are emerging as the Reserve Bank of India’s internal working group continues to scrutinise the surge in digital loan apps across India.\nThey are apps which were either financing without the licence or utilizing wrongful practices to attract and soon after harass borrowers trying to find small-ticket loans. A majority of these apps have already been known as in very first information reports filed by regional police authorities where complaints were made.\nBloombergQuint has accessed a summary of at the very least ten such apps, that have been red-flagged towards the RBI’s interior group that is working section of a much wider set of a huge selection of apps being scrutinised for feasible wrongdoing. These apps additionally function when you look at the FIRs filed with various cybercrime cells across Hyderabad, Telangana. Continue reading\npose a question to your mates and peers whether they have ever endured absolutely essential for fast money. they’d it’s quite likely state В«yes,В» and listed here are the absolute most causes that are typical. The restrictions of pay day loans in Englewood Cliffs, New Jersey aren’t specified. Borrowing from $30 to $a hundred, a purchase price of 1/10 associated with the entire volume may tdbank com applynow8 be expected. Even though there is not a way, you will be charged for over ten dollars for loans started from $one hundred. There clearly was no more than 309per cent of most APR for getting a $one hundred mortgage for a fortnight. You can’t be charged a lot more than $1 per every $5 should your home loan is $30 or less.\nRecipients can get money in cash at a real estate agent location or perhaps in a banking account or mobile wallet, in one single hundred thirty currencies. Continue reading\nWhere do lower-income Americans turn whenever up against instant bills with no cash with which to pay for them? Many look to the loan that is payday, that provides short-term loans in return for costs and high interest levels. These loans are usually $500 or less and so are called “payday” loans since the debtor is anticipated to cover it straight straight right back upon receipt of the next paycheck. Continue reading\nThe Department of company Oversight’s California Financing Law product is wanting to engage two pupil assistants. The pupils filling this place will manage a wide selection of crucial administrative duties.\nConditions of work\nThat is a part-time, temporary, non-benefited, pupil place. Work in all jobs with University Enterprises, Inc. depends upon the consent that is mutual of Enterprises, Inc. while the worker. This means either University Enterprises, Inc. or perhaps the worker can, at any time, terminate the work relationship at will, with or without cause.\nWith regards to the variety of place you might be trying to get, a background that is pre-employment composed of more than one for the following could be carried out: work history, professional recommendations, unlawful check, academic verification (for example., degree, permit, or formal transcript) and real exam and medication urinalysis test. Continue reading", "label": "Yes"}
+{"text": "Semiconductor solutions provider TranSwitch Corp. recently announced that it has received a delisting notice from ‘The Nasdaq Stock Market LLC’ that threaten to suspend its shares from trading from Jun 17, 2013. Following the announcement, the company’s share plunged 6.55% to close at $0.4335.\nEarlier, in Dec 2012, the company had received a letter from Nasdaq for failing to comply with the ‘Nasdaq Listing Rule 5550(a)(2)’, which requires stocks to maintain a minimum bid price of $1.00 per share on closing basis for 30 consecutive trading days.\nAlso, in Feb 2013, the company had received a follow-up letter from Nasdaq stating that it has failed to comply with the listing norms which requires listed companies to maintain a minimum of $2.5 million of stockholders’ equity. For full year 2012, TranSwitch had a stockholders’ equity of $1.23 million.\nThereafter, even during the 180-day notice period following the first letter, the company’s closing bid price failed to close at or above $1.00 for a minimum of 10 consecutive trading days. It was also unable to comply with the minimum requirement for stockholder’s equity.\nIn response to the delisting notice, TranSwitch has decided to file an appeal of determination with a Hearing Panel, and intends to submit its plan to regain compliance along with a request for some additional time.\nHowever, it remains to be seen whether the revival plan by TranSwitch is acceptable to the Panel for granting permission for continued listing or whether it decides to suspend trading.\nTranSwitch provides Innovative integrated circuit (IC) and intellectual property (IP) solutions, which help the customer and network infrastructure segment in delivering core functionality for video, voice and data communications equipment.\nTranSwitch currently carries a Zacks Rank #3 (Hold). Some other stocks in the same sector include Integrated Device Technology, Inc. (IDTI - Free Report) , OmniVision Technologies, Inc. , each carrying a Zacks Rank #1 (Strong Buy) and FormFactor Inc. (FORM - Free Report) carrying a Zacks Rank #2 (Buy).", "label": "Yes"}
+{"text": "Caltex snaps up indigenous carbon creditsPUBLISHED: 05 Jun 2013 10:14:00 | UPDATED: 06 Jun 2013 14:24:50PUBLISHED: 05 Jun 2013 PRINT EDITION: 06 Jun 2013\nThe ILC’s Fish River property is set to generate about 13,000 permits a year from controlled burning of savannah. Photo: Jonathan Carroll\nOil refiner Caltex Australia has snapped up the first indigenous-generated, Kyoto-compliant Australian carbon credit permits after an open-tender process, paying more than $20 a tonne.\nThe Indigenous Land Corporation had sold all of its 25,884 Australian carbon credit units (ACCUs) generated from its Fish River savannah-burning project in the Northern Territory to Caltex, the ILC said on Wednesday in a statement.\nThe ILC called for expressions of interest this year to buy ACCUs from its remote 178,000-hectare Fish River property, which is set to generate about 13,000 permits a year from controlled burning of savannah. The burning helps prevent larger wildfires later in the season that release large volumes of carbon emissions.\nThe units bought by Caltex were generated in 2011 and last year.\nProceeds towards new jobs\nILC chairwoman Dawn Casey described the sale as “a fantastic result” for the project. She said proceeds from the sale would be reinvested in supporting indigenous jobs and environmental land management on Fish River.\nDr Casey said the ILC was drawn to the deal with Caltex “due to the fuel supplier’s demonstrated commitment to advancing indigenous and environmental causes”.\nThe exact price is being kept confidential, but Dr Casey said it was more than $20 a tonne. That compares with the fixed carbon price now at $23 a tonne.\nThe organisation has said it faces difficulties selling permits for use after this year because of uncertainty abut the future of the clean energy legislation and the collapse in the price of emissions units in Europe.\nThe Australian Financial Review", "label": "Yes"}
+{"text": "The U.K. is using a regulatory “trick” to introduce its carbon tax on fossil-fueled power generation, which would not have been allowed under European Union emissions trading law, said the U.K. unit of RWE AG.\nBritain is using an exemption under the EU Energy Products Directive to proceed with its tax, which it named a carbon floor, John McElroy, director of policy at RWE Npower, said in an interview at the Platts emissions conference in Brussels.\n“That’s the trick that they have used,” he said Oct. 6. “It’s not permitted under the EU emissions trading system.”\nChancellor George Osborne in March fixed a carbon tax of 4.94 pounds ($7.71) a metric ton from 2013 to raise revenue and prompt investment into power generation such as wind farms and nuclear. Wind turbines are subsidized and the coalition government has said no subsidy will be given to new nuclear power stations. The government indicated the tax, part of the Conservative-Liberal Democrat coalition agreement when they took office in May 2010, may rise to 9.86 pounds in 2015.\nNo exemptions from EU law were necessary to introduce the floor, a Treasury official, who asked not to be identified in line with department policy, said by e-mail. EU laws allow the nation to tax fossil fuels for environmental reasons and the policy will provide more certainty on carbon prices than previous rules, the official said.\nTalks With EU\nThe U.K. Department of Energy and Climate Change last month declined to provide Bloomberg News with e-mails and letters between Britain and the European Commission over its planned changes to energy-market regulations and the carbon floor.\n“Its disclosure would provoke a negative reaction by the European Commission and could undermine the commission’s willingness to enter into further discussions and negotiations with the U.K.,” Tim Warham, an energy markets and networks official in DECC in London, said in a Sept. 23 letter to Bloomberg News.\n“The U.K.’s ability to protect and promote its interests in the context of electricity market reform would be adversely affected if the requested information was disclosed,” he said.\nBritain will scrutinize Electricite de France SA’s profit from its nuclear power plants under the tax, according to Tim Yeo, chairman of parliament’s energy and climate change committee. The nation should introduce a windfall tax on existing atomic plants to claw back additional profit, the Liberal Democrats, the junior partner in the coalition, agreed at a party conference last month.\n‘Revenue Raising Exercise’\nThe floor will undermine the EU emissions market and increase costs unnecessarily, McElroy said. “It’s a revenue raising exercise by Treasury,” he said. RWE, Europe’s biggest emitter, has coal and natural-gas power stations in the U.K.\nNuclear generation, which emits almost no carbon, may benefit from higher electricity rates after the tax on fossil-fueled power generation is introduced in 2013, Citigroup Inc. said in March. EDF, owner of eight of the 10 atomic power stations in Britain, may earn as much as 154 million pounds, the bank said. Estimates of any profit EDF may earn as a result of the tax is “speculation,” Kaa Holmes, a company spokesman in London, said at the time.\nThe EU’s carbon cap-and-trade program already requires Britain’s power stations to buy permits to cover a portion of emissions and they’ll have to purchase all allowances from 2013. EU permits for December rose 1.8 percent to 10.65 euros a metric ton at 10:26 a.m. in London. They have fallen 25 percent this year.\nThe U.K. carbon floor is cutting the need for emission reductions in other EU nations because it encourages a faster pace of abatement in Britain, said David Hone, climate adviser at Royal Dutch Shell Plc and chairman of the International Emissions Trading Association.\nThe policy effectively subsidizes power generation in other EU nations and increases the total cost of complying with climate-protection measures, Hone said last week at the Platts emissions conference in Brussels. “We are probably setting a poor example for the rest of the world.”\nEU lawmakers need to object more stridently when member states propose energy policies and subsidies that work against single power and natural gas markets in the bloc, Johannes Teyssen, chairman and chief executive officer of EON AG, said Sept. 29.\nIn March, the EU commission said the U.K. tax will “weaken” the bloc’s carbon price signal.\nFuture British governments may abandon the tax, McElroy said. “The unilateral approach undermines the EU emissions trading system as the principle instrument for delivering low-carbon investment across Europe.”", "label": "Yes"}
+{"text": "A bad credit rating is not necessarily based on a negative private credit information. The instant loan is a loan that has a simplified credit check procedure. The credit rating can also be reduced by a low income and existing credit obligations. An instant loan despite bad creditworthiness is not possible in real terms. It turns the instant loan into a full credit check. Under certain circumstances, the favorable credit rating independent lending rates of various instant loan offers can still be obtained.\nThe instant loan despite poor credit rating\nBorrowing is a given today. Normally, loans are also given quickly if the conditions are right. However, if payment difficulties have arisen in the past, a loan has been terminated, and then an instant loan with bad creditworthiness can cause difficulties. Because these facts always cause a negative entry in the private credit.Because German banks query before a loan commitment to the private credit it is clear that the bad private credit limits the credit approval or completely prohibited.\nIf you urgently need a loan, you should seek a solvent sponsor. With a guarantee, an instant loan, despite its poor credit rating, has positive approval opportunities. However, to give a guarantee that it is not a small friendship service, but it can ruin a guarantor financially. Just then it comes with the borrower to defaults and the guarantor is taken into recourse. If the latter no longer has any resources or if he can no longer meet his own financial obligations, the financial outlay can come quickly. Anyone who does not want a guarantee from anyone can also provide other security (real estate, life insurance, old-age provision).\nThe internet is full of advertisements with credit intermediaries who also broker loans in difficult cases. In the advertising foreign banks are advertised, which also give an instant loan despite bad credit rating. The only advantage of these loans is that the private credit information is excluded. However, a regulated and sufficiently high income must be demonstrable.\nThe income should be above the attachment exemption limit. That would be at a 5,000 euro loan for a single person 1,600 euros net income. A permanent employment relationship must also exist. Since a bad credit rating is not always accompanied by a negative private credit entry, Hartz IV recipients and the unemployed have a bad credit rating, which here the income is too low. With a guarantee or other collateral, the foreign banks might also get credit.\nIn order to determine the amount that may be available to repatriate the loan, banks will offset the expenses and revenues against each other.\nSince an instant loan is usually settled via the postal service, there can be no immediate credit as the name implies. Although the documents are checked quickly, the loan approval is made quickly and the transfer of the loan amount to the specified account. But not all the same, up to four business days can go into the country until the borrower can dispose of the money.", "label": "Yes"}
+{"text": "Want to buy crypto but don't know where to buy Avalanche? No worries! Binance offers many options where you can easily buy several cryptocurrencies including Avalanche, with the lowest fees and highest security.\n- 1Create a free account on the Binance website or the app.Binance is a centralized exchange where you can buy several cryptocurrencies including Avalanche. Before you can use the Binance platform, you'll need to open an account and verify your identification.\n- Register via the Binance App\n- Register via the website using your email and mobile number\n- 2Choose how you want to buy the Avalanche asset.Click on the \"Buy Crypto\" link on the top of the Binance website navigation to know about the available options to buy Avalanche in your country.For better coin compatibility, you can consider buying a stablecoin like USDT first, and then use that coin to buy Avalanche.\n- A. Credit Card and Debit CardIf you are a new user, this is the easiest option to purchase Avalanche. Binance supports both Visa and MasterCard.\n- B. Bank DepositTransfer fiat currency from your bank account to Binance, and then use the amount to buy Avalanche.\n- C. Third Party PaymentThere are multiple options for third-party payment channels. Please, visit the Binance FAQ to check which ones are available in your region.\n- 3Check the payment details and fees.You have 1 minute to confirm your order at the current price. After 1 minute, your order will be recalculated based on the current market price. You can click Refresh to see the new order amount.\n- 4Store or use your Avalanche in Binance.Now that you bought your crypto, you can store it in your personal crypto wallet or simply hold it in your Binance account. You can also trade for other crypto or stake it on Binance Earn for passive income. If you would like to trade your Avalanche to a decentralized exchange you may want to check Trust Wallet which supports millions of assets and blockchains.\nBinance: Where The World Trades Avalanche\nBinance’s world-class matching engine ensures that your crypto trading experience is quick and reliable.\nTrading crypto on Binance is easy and intuitive. You only need a few steps to buy Avalanche.\nSecure & Trusted\nMillions of global crypto users trust us. Our multi-tier & multi-cluster system architecture and SAFU (Secure Assets Fund for Users) insurance fund protect your account.\nBinance is the world’s most liquid cryptocurrency exchange, with the biggest volumes across multiple crypto pairs.\nStart buying AVAX\nIf you’re ready to take the next step and want to buy some Avalanche, take the next step with Binance!\nBinance News Hub\n$168 million worth of AVAX tokens will be unlocked on May 28\nThe latest unlocking of Avax tokens will take place in a month, releasing $168 million worth of tokens at the current price.According to Token Unlocks, 9,541,800 Avax tokens will be unlocked on May 28. Considering that the token has a circulating supply of 327 million, the nearly 10 million Avax scheduled to be unlocked represents more than 3% of the current circulating supply.Additionally, a total of over 361.25 million Avax tokens (more than half of the circulating supply) remain locked and will be gradually released over the next seven years.\nAvalanche Surges to 6-Month High in Daily Active Addresses\nLayer 1 blockchain protocol Avalanche is picking up steam, reaching a six-month high in daily active addresses earlier this week.According to blockchain data firm Artemis.xyz, Avalanche’s daily active addresses hit nearly 80,000 on April 12. Its daily active user base grew 85% in the past 90 days, making it one of fastest growing protocols, ahead of BNB Chain, Tron, Ethereum, Aptos and Bitcoin. Only four protocols grew faster, per Artemis: StarkNet, Arbitrum, Stacks and Canto.The high watermark coincided with Avalanche’s April 12 partnership with a bevy of financial institutions that will contribute to its network infrastructure, signaling traditional finance companies’ increased interest in the Avalanche ecosystem.The price of Avalanche’s native token AVAX stands at $18.53 at press time, down 1.34% in the past 24 hours, per CoinDesk data. Avalanche is the seventh largest blockchain by total value locked, which currently sits at $878.7 million, according to crypto stats website DefiLlama.Edited by Danny Nelson.\nCoinDesk - Sage D. Young\nCoinDesk - Sage D. Young\nEsports Organization TSM Signs on With Avalanche for New Gaming Subnet\nCrypto engagement isn’t over and done with for esports org TSM. While the powerhouse esports player was in the midst of the FTX fallout late last year, TSM is still looking big picture courtesy of a new partnership announced on Tuesday.The org is pairing up with blockchain Avalanche for a new dealing that will see the org building their own Avalanche-based subnet and more. Let’s take a look at TSM’s aftermath from the FTX deal, and the early details made available in this new pairing with Avalanche.TSM’s New Deal, And Why It’s Different Than BeforeTuesday’s announcement from Avalanche details a competitive gaming partnership lens that spans across esports organization Team SoloMid (TSM) and their gaming platform subsidiary, Blitz. TSM is one of the most legacy orgs in the game, with a dozen years of operation in a relatively young landscape. TSM currently competes in mainstay titles like League of Legends, Apex Legends, Dota 2, R6S, Valorant, and more.The new deal will see Avalanche as the Exclusive Blockchain Partner for both properties, and the move will see Blitz build out their own designated Avalanche Subnet.It’s not TSM’s first dance with a crypto-endemic partner. The esports org had a much more centralized partner previously in what was the now defunct FTX, a deal that was established in the midst of the bull market madness in mid-2021 and was the first of it’s kind. Despite the downfall of FTX and the fallout that’s come with it, it’s encouraging to see the esports org willing to continue to play in the space.What’s Next In Gaming & EsportsPost-FTX, there’s been a broad reset in partnerships and sponsorships within sports and entertainment deals. FTX’s exuberant spending has left well-respected centralized exchanges feeling the heat (for more reasons than just sports deals), and has left brands and talent more cautious in their crypto approach – and rightfully so. The result has been a relatively quietLooking ahead, there’s certainly an argument to be made that the greatest opportunity for partnership deals in sports and entertainment lies in the creators and overseers of blockchains themselves, where transparency is generally much more abundant and bad actors are typically easier to spot.GameFi has been an interesting topic of discussion so far in 2023 in what has otherwise been middling market prices paired with some unique story lines. Major gaming, entertainment and art chains have been pushing to establish their territory, with chains like Avalanche, Polygon, Solana, Cardano and many more all carving out their lanes in creative spaces around sport and entertainment.\nBitcoinist - Taylor Scott\nBitcoinist - Taylor Scott\nBinance-Peg BUSD is now available on Avalanche and Polygon\nBUSD is available on multiple blockchains, including Ethereum, BNB Smart Chain, and BNB Beacon Chain. Now BUSD is also available on Avalanche and Polygon.\n$20,000 Avalanche (AVAX) Giveaway: Binance Learn & Earn\nWe’re excited to introduce the 4th Binance Learn & Earn series with Avalanche, an open-source platform for launching decentralized finance applications and enterprise blockchain deployments in one interoperable, highly scalable ecosystem.\nGetting to Know Polygon’s Sandeep Nailwal\nWhen it comes to Ethereum scalability, one name rules them all. Once again, from the comfort of my Berlin office, I eagerly awaited my next guest to join our Google Meet. On my screen pops up Sandeep Nailwal, co-founder of Polygon and one of the industry’s biggest names.\nPlease also note that data relating to the above-mentioned cryptocurrency presented here (such as its current live price) are based on third party sources. They are presented to you on an “as is” basis and for informational purposes only, without representation or warranty of any kind. Links provided to third-party sites are also not under Binance’s control. Binance is not responsible for the reliability and accuracy of such third-party sites and their contents.", "label": "Yes"}
+{"text": "David Leonhardt had a blogpost last week that left some of us here at CEPR stumped. It had two graphs, one on top of the other, showing patterns in wages since the start of the recession. The top graph showed wage gains by educational attainment.\nThis showed that college grads had an increase of about 1.5 per cent in their real weekly earnings, while everyone else saw modest declines. The second graph showed real wage growth by income cutoffs. Those at the 90th percentile saw real wage gains of 8.0 per cent, but everyone else also saw modest wage gains as well.\nAt first glance, these seemed inconsistent and we thought that Leonhardt had made a mistake. After checking his data, we saw that he was exactly right. The explanation was a change in the composition of the employed workforce.\nThere was a sharp drop in employment among workers without high school degrees and those with just a high school degree between 2007 and 2010. On the other hand, the number of people employed who had advanced degrees actually increased slightly.\nSource: Bureau of labour Statistics.\nWhat happened here is that the change in composition means that much of the bottom portion of the workforce is no longer employed. Therefore the 90th percentile worker in 2010, might have been the 92nd percentile worker in 2007. And, in 2007 the 92nd percentile worker earned 6.3 per cent more than the 90th percentile worker.\nSo, what looks like a big rise in wages for higher-end workers is in fact the result of comparing different workers. This is worth keeping in mind. The wage growth at the middle and lower-end of the income distribution in the late 90s looks even better when we consider that many less educated workers found jobs in this period.\nNOW WATCH: Briefing videos\nBusiness Insider Emails & Alerts\nSite highlights each day to your inbox.", "label": "Yes"}
+{"text": "in view of that what exactly is a easy press forward? It’s a type of further that allows you to borrow a set amount of maintenance like you take out a encroachment. Unlike forms of revolving story, such as description cards or a lineage of report, you must deem exactly how much child support you habit in the past borrowing the funds.\na Payday spread loans stroke borrowers tall levels of combination and complete not require any collateral, making them a type of unsecured personal proceed. These loans may be considered predatory loans as they have a reputation for certainly tall assimilation and hidden provisions that clash borrowers other fees. If you’re taking into consideration a payday proceed, you may desire to first accept a look at safer personal money up front alternatives.\ndifferent states have exchange laws surrounding payday loans, limiting how much you can borrow or how much the lender can raid in inclusion and fees. Some states prohibit payday loans altogether.\ntaking into account you’re approved for a payday money up front, you may get cash or a check, or have the child support deposited into your bank account. You’ll later habit to pay support the forward movement in full lead the finance warfare by its due date, which is typically within 14 days or by your adjacent paycheck.\na easy go ahead loans pretend best for people who habit cash in a rush. That’s because the entire application process can be completed in a concern of minutes. Literally!\na easy press forward lenders will establish your allowance and a bank checking account. They sustain the allowance to determine your endowment to pay off. But the bank account has a more specific purpose.\nFinancial experts reprove next to payday loans — particularly if there’s any inadvertent the borrower can’t pay off the spread sharply — and recommend that they mean one of the many oscillate lending sources user-friendly instead.\na rude Term encroachment loans look every other in approximately all let pass. They may go by names such as cash support, deferred accumulation, deferred presentment, or savings account admission issue.\nA payday improve is a sudden-term onslaught for a small amount, typically $500 or less, that’s typically due upon your bordering payday, along considering fees.\nThese loans may be marketed as a habit to bridge the gap amid paychecks or to help later than an rapid expense, but the Consumer Financial support activity says that payday loans can become “debt traps.”\nHere’s why: Many borrowers can’t afford the money up front and the fees, consequently they grow less in the works repeatedly paying even more fees to break off having to pay put up to the evolve, “rolling on top of” or refinancing the debt until they end in the works paying more in fees than the amount they borrowed in the first place.\nIf you have a bad relation score (below 630), lenders that meet the expense of a Bad financial credit developments for bad balance will gather new assistance — including how much debt you have, your monthly transactions and how much child support you make — to comprehend your financial tricks and support qualify you.\na Title money up front lenders, however, usually don’t check your explanation or assess your carrying out to pay back the encroachment. To make taking place for that uncertainty, payday loans come once high assimilation rates and gruff repayment terms. Avoid this type of expansion if you can.\nYou also will desire to make Definite your bank account reports are accurate and error-forgive past applying for an a quick further. You can request a forgive tab bill behind per year from each of the three major story reporting agencies — Equifax, Experian and TransUnion — and exact any errors.\nFour of the most common types of a Title onslaughts combine mortgages, auto loans, personal loans and student loans. Most of these products, except for mortgages and student loans, present supreme combination rates and unadulterated monthly payments. You can in addition to use an an Installment increase for further purposes, like consolidating debt or refinancing an auto progress. An a rushed Term move ahead is a categorically common type of encroachment, and you might already have one without knowing what it’s called.\na small spread move ahead providers are typically little savings account merchants afterward innate locations that allow onsite savings account applications and praise. Some payday move on facilities may plus be to hand through online lenders.\nMany people resort to payday loans because they’re simple to gain. In fact, in 2015, there were more payday lender stores in 36 states than McDonald’s locations in whatever 50 states, according to the Consumer Financial sponsorship society (CFPB).\nThe postdated check ensures that the lender will be paid help by the scheduled date and that they won’t have to chase you to get it. Borrowers recognize the postdated check bargain because the supplementary major component that lenders normally see at – tally chronicles – is ignored by payday lenders.\nThe lender will usually require that your paycheck is automatically deposited into the verified bank. The postdated check will later be set to coincide following the payroll addition, ensuring that the post-archaic check will distinct the account.\nIn clash, the lender will ask for a signed check or admission to electronically give up child maintenance from your bank account. The increase is due rapidly after your next payday, typically in two weeks, but sometimes in one month. a immediate Term progress evolve companies bill under a broad variety of titles, and payday loans usually manage less than $500.00. a immediate Term forward movement lenders may accept postdated checks as collateral, and generally, they fighting a significant enhance for their loans which equates to a entirely tall-assimilation rate, taking into account annualized rates as tall as four hundred percent.\nTo take out a payday money up front, you may need to write a postdated check made out to the lender for the full amount, pro any fees. Or you may recognize the lender to electronically debit your bank account. The lender will next usually present you cash.\nThe Pew Charitable Trusts estimates that 12 million Americans accept out payday loans each year, paying about $9 billion in go forward fees. Borrowers typically make roughly $30,000 a year. Many have bother making ends meet.\nBut while payday loans can allow the emergency cash that you may compulsion, there are dangers that you should be familiar of:\nA car progress might by yourself require your current address and a rapid exploit archives, even if a home progress will require a lengthier deed archives, as without difficulty as bank statements and asset suggestion.\nTo qualify for an unsecured a Slow increase, prospective borrowers should have a strong tab chronicles to get the best terms. Even for with ease-qualified borrowers, the fascination rate for unsecured a Slow go forwards is usually complex than secured a Title spreads. This is due to the nonappearance of collateral.", "label": "Yes"}
+{"text": "Advertiser Disclosure: FrequentFlyerBonuses.com has partnered with CardRatings for our coverage of credit card products. FrequentFlyerBonuses.com and CardRatings may receive a commission from card issuers.\nLots of new buy miles and points bonuses have and/or are coming soon! One of these it this latest offer from Hyatt Gold Passport. It is a 30% bonus when you buy 5,000 or more points by March 7. This works out to 1.846 cents per point. A little on the high side but depending on how you redeem them it could still be worthwhile to purchase them for a stay at an expensive hotel or to top off an account for a high end reward.\n30% Bonus Gold Passport Points when you buy 5,000 or more Gold Passport points online. Full details. Until Mar 7, 16", "label": "Yes"}
+{"text": "When requesting assistance please bring the basic information:\nValid Howard County ID for all Adults living in household.\nBirth Certificates for anyone under 18 living in household.\nSocial Security Cards for every individual living in household. This must be in the form of either a Social Security Card, or printouts from the Social Security office or the Divison of Family and Social Services.\nProof of any income and receipts for the past thirty (30) to sixty (60) day period for the household.\nAll current utility bills and lease agreement/mortgage.\nAdditional information will be requested at at later date.\nWhen to Apply\nThe application process is a two-step process - an initial interview (intake) at which time you will be assigned an appointment and told what documenation you will need to bring that support your request for assistance. Except for scheduled appointments, clients are served on a first-come, first-served basis, and especially if you are submitting and inital request & application, the earlier you sign in the earlier you will be seen.\nRegardless of the request or date payment is due; the application process must be followed. Be mindful of the due dates on your rent and utilities! The application process is the same regardless of disconnects and/or evictions. Do not wait until the day of disconnect or the day of an eviction notice to apply for assistance.\nWe accept applications on weekdays during the following hours:", "label": "Yes"}
+{"text": "TSLX shows sign of weakness as investors do cost averaging\n26 Jun, 20197 min read\nTPG SPECIALTY LENDING, INC. is looking better than most other alternatives today. It grew by +0.1% to close at 19.63. During the last week it lost -1.6% and saw a maximum drawdown of -2.2% before bouncing back.", "label": "Yes"}
+{"text": "Pittsburgh Saves 2020 Continues through April 30th | You Could Win $200Leave a Comment\nAmerica Saves Week might be over, but Pittsburgh Saves 2020 is just beginning! Between now and April 30th, you can enter into a weekly raffle for $200 by taking the Pittsburgh Saves Pledge at pittsburghsaves.org.\nWe kicked off Pittsburgh Saves 2020 and America Saves Week on Monday, February 24th with a press event that welcomed savers, partners, and allies all with the same goal: to help Pittsburghers save for their vacations, emergency funds, homes, education, retirement – simply put, for their futures. At the event, our Pittsburgh Saves team shared valuable savings strategies and local resources where residents could find financial help and guidance! While the national America Saves Week campaign has come to an end, the Pittsburgh Saves 2020 campaign is just getting started. In fact, we’ll be sharing savings tips, local resources to help you save, and drawing $200 weekly raffles every Wednesday until April 30th!\nTo stay up to date with the campaign, be sure to:\n- Take the Pittsburgh Saves pledge at pittsburghsaves.org by clicking on “take the pledge” in the top right corner of the homepage.\n- Follow Neighborhood Allies on Facebook, Twitter, and Instagram. Share your goals using the hashtag #PittsburghSaves2020.\n- Join our Pittsburgh Saves 2020 Facebook group for information, tips, and campaign updates, as well as to engage with other individuals embarking on a savings journey!\nDon’t know how to start saving? Follow these savings actions to reach your goals:\n- Open a bank account that is free, has a low minimum balance required, and earns you interest.\n- Split your paycheck into checking and savings accounts. Contact your HR representative to set it up.\n- Sign up for free tax prep through United Way by calling 2-1-1. Ask your tax preparer how you can split your refund into multiple bank accounts. Go to saveyourrrefund.com and enter to win $100!\n- Families in Pennsylvania with children from 0-18 can join Fund My Future, a program that provides assistance and incentives to save. Go to fundmyfuturepa.org for a chance to win $1,000.\n- The Pittsburgh Financial Empowerment Center has certified financial counselors to help you with banking, credit, debt and saving. Appointments are free! Call 1-800-298-0237 to set one up today.\nCheck out our Pittsburgh Saves video playlist to learn how to save from other Pittsburghers!\nWhat is Pittsburgh Saves?\nPittsburgh Saves is an initiative of Neighborhood Allies, supported by City of Pittsburgh – Office of the Mayor, Pittsburgh Financial Empowerment Center, Advantage Credit Counseling Service, United Way of Southwestern Pennsylvania and Fund My Future to encourage Pittsburghers to save more effectively and provide the tools for reaching savings goals! Our campaign lasts until April 30th and offers fun savings tips, opportunities to learn and gain resources, and chances to win prizes! We are a participating organization of America Saves Week.\nWhat is America Saves?\nAmerica Saves seeks to motivate, encourage, and support low- to moderate-income households to save money, reduce debt, and build wealth. Non‐profit, government, and corporate groups participate in America Saves nationally and through local, regional, and statewide campaigns around the country. America Saves encourages individuals and families to take the America Saves pledge and organizations to promote savings year-round and during America Saves Week. Learn more at americasaves.org\nWhat is America Saves Week?\nIt is a national opportunity for organizations to work together within their communities to transform the lives of millions of Americans. It is the framework in which participating organizations annually take on the savings challenges that their constituents face with support from local and national partners.", "label": "Yes"}
+{"text": "Love's Travel Stops & Country Stores was founded by Tom and Judy Love in 1964 and remains family owned and operated. The company has over 450 locations in 39 states. Locations have gas stations, convenience stores, fast-food restaurants, shower rooms, trucking supplies and access to the internet.\nRichard Liu, JD.com’s billionaire founder and a major celebrity in China, may soon face a rape accusation (which he denies) in a U.S. court. It’s already been hotly debated on Chinese social media for months.\nPhysician Bernadette Wheeler has an adult son with Down syndrome. Learn how she created a 2,000 SF retail gift store in Bryn Mawr, PA to support a beloved son with Down syndrome and others like him in the community.\nU.S. nonfinancial corporate debt continues to rise. Credit protections for investors of high yield bonds are at record weak levels. Sophisticated investors, as well as ordinary citizens, stand to be adversely affected when a global recession arrives.\nOf all the innovations to emerge in our rapidly digitizing world, it’s fair to say blockchain has been one of the most talked-about. Yet, blockchain has the potential to be just as transformative for the manufacturing industry as it could be for financial services.\nLudicrous, the unvarnished story of Tesla Motors is a fascinating chronicle of the upstart electric vehicle manufacturer. Even those that have followed the company for more than a decade will likely learn something and those with only a superficial view of Elon Musk will definitely learn a lot.", "label": "Yes"}
+{"text": "India ready for stronger growth thanks to structural reforms and increased investment spending (KV Subramanian)\nIndia’s macroeconomic fundamentals are much stronger and the country is poised for robust growth thanks to structural reforms, a surge in government investment and rapid vaccination, Chief Economic Advisor KV Subramanian said on Tuesday.\nInforming the media about the growth number, he said GDP data for the first quarter reaffirms the government’s prediction of an imminent V-shaped recovery made last year.\nIndia’s economic growth jumped to 20.1% in the April-June quarter of this fiscal year, helped by a weak base in the previous year period, amid a second wave devastating COVID-19.\nGross domestic product (GDP) had contracted by 24.4% in the corresponding quarter from April to June 2020-21, according to data released Tuesday by the National Statistical Office (NSO).\nRegarding inflation, he indicated that it experienced a moderation in July compared to the previous month. “Our expectation is that inflation over the next few months should be in this range, between 5% and 6%, but less than 6%” despite the tightening of world commodity prices, he said.\nAlso Read: India Posts FY 22 First Quarter GDP Growth 20.1% on Weak Basis, Improved Manufacturing\nRead also: Ind-Ra revises GDP growth rate to 9.4% for FY22\nRead also: MPC meeting: RBI maintains GDP projection at 9.5% for fiscal 22", "label": "Yes"}
+{"text": "Unemployment Deferment Document\nThis product is currently sold out.\nDo you owe student loans but do not have a job to start the repayment plan? If the answer is yes you may qualify for a deferment. A deferment allows you to stop making payments and/ or reduce the amount of your payment you have to pay. Download this form fill it out and send it to your student loan servers. For a list of student loan services please visit https://studentaid.ed.gov\n*Disclaimer filling out this form doesn't guarantee you will qualify for a payment deferment, and this form is just a resource to assist if needed. For professional advice, please contact the appropriate licensed professional.*", "label": "Yes"}
+{"text": "Getting less funny\nThe Madoff spectacle grows steadily uglier\nBy The Economist | WASHINGTON\nWANT to hear the joke of the week? Here it is—let's make Bernie Madoff Social Security commissioner! Get it? Because Social Security is kind of like a Ponzi scheme, except that no one is being unwittingly suckered into a con game and the government has the power to change benefits and compel increased tax contributions, and economic growth rates might mean that it's actually not a Ponzi scheme. Funny, right? Maybe the first time, but not the second or third time.\nFor some particularly interesting reading on the victims of the Madoff scheme, innocent and not so innocent, see Justin Fox and Felix Salmon. Mr Salmon turns up this anecdote:\nSeveral Madoff clients were among the 70-plus guests. One had mortgaged two homes to maximize his investment.\nThe world really did get extremely dumb for the past decade or so, didn't it?\nMore from Free exchange\nReligious competition was to blame for Europe’s witch hunts\nMany children are still persecuted as alleged witches in Africa for similar reasons\nHas BRICS lived up to expectations?\nThe bloc of big emerging economies is surprisingly good at keeping its promises\nHow to interpret a market plunge\nWhether a sudden sharp decline in asset prices amounts to a meaningless blip or something more depends on mass psychology", "label": "Yes"}
+{"text": "it isn't deducted from the partnership expenses but goes on k-1 to partner.Section 179 expense available to distribute to partners is limited to the partnership’s actively conducted trade or business income .Even though a partner’s Sch K-1 may show income due to specially allocated income or expense items per the partnership agreement, if the partnership overall has a loss, Section 179 expense cannot be distributed to any of the partners in the current year. However, any disallowed deduction can be carried over to future years and distributed up to the amount of partnership income in a given year. A Partnership other than an electing large partnership should not include any Section 179 expense deduction on Part IV, line 22 of the Form 4562; so, the Section 179 expense is not reported on page 1 of Form 1065, but instead the deduction is reported on Sch K as said and passed through separately to each partner on the appropriate line of the partner’s Sch K1.The maximum Section 179 dollar limit, investment limit, and the taxable income limitation are applied separately at the partnership and partner levels. At each level, the maximum Section 179 expense can be limited by the cost of qualifying property in excess of the investment limit and the total amount of taxable income derived from the active conduct of all trades or businesses that a taxpayer engaged in during the tax year.\nThe maximum Section 179 and investment limits are determined by the IRS each year. The amount allocated by a partnership to a partner is not considered in determining whether the partner placed more than the applicable investment limit of qualifying property into service during the tax year. Any amount of Section 179 disallowed due to the investment limit is lost and may not be carried over to another tax year.", "label": "Yes"}
+{"text": "Finding low cost homeowners insurance quotes for Union City, 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 Union City 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 Indiana 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 Union City, Indiana 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 Indiana Cities Nearby:\nThere are two major factors that you can ensure are carried out to support decrease your insurance policies fees. First of all, have a stability method mounted. It can decrease your insurance coverage premiums by many proportion factors. However, keep in mind to make contact with your company and give proof of the new set up before expecting to see a modify. Furthermore, smoke alarms can preserve you on premiums. This method can lessen your once-a-year price up to 10 p.c.\nBefore talking with a claims adjuster about your home\nhomeowner's insurance policies prices simply because there is now far more house to insure. Lessen the improve by being intelligent with your developing choices. If you can arrange for metal-framed building, you could be ready to shell out significantly less by selecting this much less-flammable materials. Consider the new roof's hearth ranking as effectively.\nIf you want to be confident you are paid appropriately for a home\nhome's mortgage loan. homes paid in total established the minds of the insurance policy firm staff at relieve. Due to this, a lot of firms supply these clientele considerably lower yearly rates. Quickly soon after you pay out off your house, get in touch with the insurance policy agent to start preserving.\nBoost your credit score. You will see decrease premiums on your home\nPut in and thoroughly maintain a safety method in your house to get a price cut on your home\nAlways select confirmed substitution value house insurance policies. This kind of insurance plan makes certain that your house will be rebuilt, no make a difference what the value, in the celebration of a disaster. This is important as the expense of creating a new home tends to improve annually. With out a confirmed alternative benefit plan, if catastrophe does strike your insurance coverage company might not offer you with ample cash to rebuild your home.\nhomeowner's policy with your insurance firm if you make any adjustments to your home with the electrical wiring or plumbing. Creating updates to your methods can save you income on your coverage due to the fact it is regarded safer to have newer methods relatively than possessing older kinds.\nIncreasing a deductible is a very good way to lower house insurance policy rates. You have to do investigation, simply because little promises can expense you funds and you have to shell out them, these kinds of as leaky pipe hurt and broken house.\nhomeowner's insurance policies policy is a \"guaranteed substitution price\" one. This shields the expense you have created in your home, because if your house is destroyed in a organic catastrophe, it will be reconstructed, regardless of the expense. Constructing a home raises in value each and every yr. This kind of plan provides you a financial cushion and absorbs the rising house-developing fees, so you don't have to.", "label": "Yes"}
+{"text": "COUNTRY Financial representatives provide comprehensive solutions for your insurance and investment needs. Let COUNTRY Financial help you achieve financial security no matter where you are starting from.\nYou already know how important it is to have auto and home insurance, but insurance is only one part of financial security. The good news is I can help you with your insurance needs and help you plan for your financial future.\nWe can work together to create a tangible plan that suits your unique situation. Maybe we start by covering some immediate insurance needs or checking to see if you are...", "label": "Yes"}
+{"text": "© 2010 International Monetary Fund\nDecember 2010IMF Country Report No. 10/365 November 23, 2010 December 13,2010January 29, 2001 November 1, 2010 2010 January 29, 2001\nDenmark: 2010 Article IV Consultation—Staff Report; Informational Annex; PublicInformation\notice on the Executive Board Discussion; and Statement by the ExecutiveDirector for Denmark\nUnder Article IV of the IMF’s Articles of Agreement, the IMF holds bilateral discussions withmembers, usually every year. In the context of the 2010 Article IV consultation with Denmark, thefollowing documents have been released and are included in this package:\nThe staff report for the 2010 Article IV consultation, prepared by a staff team of the IMF,following discussions that ended on November 1, 2010, with the officials of Denmark oneconomic developments and policies. Based on information available at the time of thesediscussions, the staff report was completed on November 23, 2010. The views expressed inthe staff report are those of the staff team and do not necessarily reflect the views of theExecutive Board of the IMF.\nA Public Information Notice (PIN) summarizing the views of the Executive Board asexpressed during its December 13, 2010 discussion of the staff report that concluded theArticle IV consultation.\nA statement by the Executive Director for Denmark.The policy of publication of staff reports and other documents allows for the deletion of market-sensitiveinformation.\nCopies of this report are available to the public fromInternational Monetary Fund\nPublication Services700 19\nWashington, D.C. 20431Telephone: (202) 623-7430\nTelefax: (202) 623-7201E-mail:email@example.comInternet: http://www.imf.org\nInternational Monetary FundWashington, D.C.", "label": "Yes"}
+{"text": "Thailand’s PTTGC Q1 net profit falls 57% on weak chemical margins\nSINGAPORE (ICIS)–PTT Global Chemical’s first-quarter net profit declined by 57% year on year as chemical margins fell following spikes in feedstock costs, the Thai petrochemical major said on Wednesday.\n|in million baht (Bt)||Q1 2022||Q1 2021||% change|\n|EBITDA margin (%)||6%||16%||(10%)|\nFirst-quarter revenues were up 72% year on year, on a combination of a crude-led increase in petrochemical prices and demand recovery as more countries continued to ease their COVID-19 restrictions.\nSales volume during the period increased “mainly from the volume realized after the completion of the Allnex acquisition” in the fourth quarter of last year, PTTGC said.\nPTTGC completed the €4bn acquisition of Germany-based specialty chemicals maker Allnex at the end of December 2021.\nStrong petrochemical prices in the first quarter were also driven by some tightening of supply due to turnarounds and a “slowdown in production of some producers in the region”.\nFor olefins, the adjusted EBITDA margins for the first quarter declined to 11% from 26% in the same period last year.\nOlefins and derivatives’ adjusted EBITDA declined 38% year on year to Thai baht (Bt) 4.83bn ($140m), while aromatics incurred a loss of Bt1.11bn.\nFor the performance materials and chemicals business, first-quarter adjusted EBITDA grew 54% over the period to Bt6.34bn, largely due to the Allnex acquisition; while green chemicals’ earnings more than doubled to Bt730m.\nPTTGC booked a loss of Bt8.57bn from commodity hedging, consisting of a realized loss of Bt2.57bn and an unrealized loss of about Bt6bn, the company said in the notes accompanying its Q1 financial results.\n($1 = Bt34.62)\nClick here to read the Ukraine topic page, which examines the impact of the conflict on oil, gas, fertilizer and chemical markets.", "label": "Yes"}
+{"text": "Compiled by CardNotPresent.com Staff\nPredictions are a tricky business. For instance, last January, Tim Cook boldly called 2015 “the year of Apple Pay.” While the past year spawned plenty of competition for Apple Pay, the mobile wallet space in the U.S. remains muddled. But, it’s the time of year for clean slates and several experts in the card-not-present payments and fraud industries agreed to share their expectations for 2016 with our readers.\nFrom the true effect of EMV on card-not-present fraud, to biometric authentication, to cross-border hot spots, to rosy predictions of e-commerce growth, it’s the time of year for optimism. Hear what leaders in our space tab as trends to watch, opportunities to leverage or threats to prepare for in 2016.\nThere seems to have been a major push over the last few years by e-commerce merchants offering digital delivery of goods to reduce review rates as close to 0 percent as possible. I see physical goods merchants following their lead in 2016. With the increased sophistication of existing fraud solution platforms, focus on pre-transaction analysis and machine-learning based solutions, the near-zero-percent rate seems like more of a realistic option over the next year.\nOn a separate note, the forecasted increase in acceptance of digital-wallet-based payments over the next three years is aggressive to say the least. This year will be pivotal to hitting these rates. With the burden placed on both the merchant (on the integration and acceptance side) as well as the consumer (on the payment option selection side), the barriers seem to be high for widespread acceptance of digital wallets. Consumer education will be key and I feel the digital wallet solution that does this the best in 2016, will gain a much needed foothold that will pay dividends long term.\nJamon Whitehead, Senior Manager of Risk and Payment Operations, Backcountry.com\nReducing checkout friction and maximizing conversions are", "label": "Yes"}
+{"text": "Periodically auditing an existing COLI portfolio can mean reducing risk and significantly improving earnings over time. Many credit unions, however, do not review these contracts regularly.\nFor credit unions that are investing in traditional securities, current accounting treatment now requires mark-to-market accounting and volatility can directly impact net income.\nCredit union-owned life insurance (CUOLI/COLI) is the best “otherwise impermissible investment” for your credit union. Using CUOLI in your CU can solve major issues from narrowing margins to employee retention.\nUnder the National Credit Union Administration (NCUA), Section 20 and Section 21 allow credit unions to contribute to strategies outside of typically permissible investments CUOLI/COLI and CDAs.", "label": "Yes"}
+{"text": "When looking for car insurance in Lake-Charles, you might be wondering how much it costs and which companies offer the best coverage. This article will help you answer these questions by explaining the average car insurance rate in your zip code and by highlighting the importance of being covered by uninsured motorist coverage and the reliability of Lake-Charles car insurance companies. It also helps you understand why you need to have insurance, as Louisiana requires that you have some type of coverage on your vehicle.\nCost of auto insurance in Lake-Charles\nThe cheapest luxury sedan in Lake-Charles, LA, is the Acura ILX. The cheapest model will cost you $2,058 a year, while the Mercedes-Benz A220 costs $2,197 a year. The next-cheapest luxury sedan is the Acura TLX, with a price tag of $2,097. In addition, the Lexus RC 300, Ford F150, Hyundai Santa Cruz, and the Honda Ridgeline all rank high in comparison to their competition. Regardless of your car type, full coverage insurance in these vehicles is only $153 per month.\nThe amount of coverage you need depends on many factors, such as how much you drive and where you live. Those who drive in high-traffic areas should choose higher coverage levels. Similarly, people who drive on major highways and interstates should opt for higher levels of coverage. As a rule of thumb, a higher level of coverage means less money out-of-pocket. When you compare auto insurance in Lake-Charles, LA, remember that it’s crucial to consider all aspects of your driving and financial situation.\nDepending on your needs, you can get cheap car insurance in Lake-Charles. The cost of auto insurance in Lake-Charles, LA starts at $142 a month. Your rates will vary according to the type of car you drive, company, and state. The least expensive non-luxury compact SUV is the Mazda CX-5, which costs $1,864 per year. Large SUVs like the Chevrolet Tahoe cost $1,857 per year, while the most expensive ones are the Ford Edge, Hyundai Venue, and Honda Passport.\nIn addition to your age and ZIP code, your driving style and environment may affect the price of auto insurance in Lake-Charles, LA. According to the U.S. government, inflation is 8.3% higher since April. High inflation pushes up insurance companies’ costs. These factors can raise your rates if you’re already underinsured. Take the necessary preventative measures to lower your risk and keep your costs low.\nAverage car insurance rate by zip code in Lake-Charles\nYour zip code will play a crucial role in your auto insurance premiums. Because insurance companies have different formulas for calculating risk, the same coverage may cost much more or less than another. Using an online tool to compare quotes, you can compare the cost of different insurance plans from different providers. For example, you can compare premiums for 50/100/50 liability insurance rates by zip code in Lake-Charles.\nTo compare car insurance rates by ZIP code in Lake-Charles, LA, you should first determine the level of coverage that you need. You should also determine your budget for insurance coverage every month. By using a wirefly comparison tool, you will have instant access to quotes from different insurance providers in your zip code. By comparing quotes, you will be able to choose the best coverage plan for your needs.\nThe cost of car insurance varies greatly by state, city, and ZIP code. You should consider the number of accidents in your area and the severity of your driving record before deciding on an insurance plan. Remember that the more you drive, the higher your insurance rate will be. You will also need to have adequate coverage to protect your vehicle from any unforeseen situations. If you have a bad driving history, your insurance premiums will go up.\nYour age and gender also affect your car insurance rates. The lower the rate is, the better, so if you want to save money, buy an insurance plan based on your age and gender. However, remember that if you have poor credit, you will need to pay more than the minimum amount. If you have poor credit, your insurance premium will go up hundreds or even thousands of dollars per year. Remember that Louisiana has one of the lowest credit score in the U.S.\nUninsured motorist coverage\nPurchasing uninsured/underinsured motorist coverage, also known as UM/UIM coverage, is a wise decision. This type of insurance coverage provides benefits in the event of bodily injury or property damage caused by a negligent driver. When you are in a car accident, UM/UIM coverage can pay for your medical bills and other expenses. In Louisiana, 13% of drivers are uninsured.\nIf you are in need of a new auto insurance provider, Jerry can help you choose a policy that suits your needs. By comparing quotes from leading providers, Jerry will help you decide which insurance carrier is best for you. Although liability insurance is required by law in Louisiana, uninsured motorist coverage is important to protect yourself and your passengers. It is important to remember that uninsured motorist coverage is not mandatory in this state, but it is still essential to have.\nWhile you are shopping for car insurance in Lake Charles, Louisiana, you should consider a few different factors that influence your rate. Knowing these factors can help you save money on your car insurance premium. Zip codes are a good indicator of crime, average age, and other risk factors. For example, people who live in high-crime areas should garage their cars in a secure garage. If possible, use a gated or covered garage. Also, inform your agent about any additional safety measures you take to keep your car safe.\nIf the at-fault driver is uninsured, you’ll receive coverage for medical expenses and pain and suffering. Underinsured motorist coverage pays for damages to your car. It may also cover your personal property. If you’re hit by an uninsured driver, you’ll also have coverage for medical expenses, lost wages, and pain and suffering. By purchasing this coverage, you’ll enjoy peace of mind in the event of a car accident.\nReliability of car insurance companies in Lake-Charles\nIn Louisiana, car insurance carriers are required to meet a certain standard of accountability. For instance, they must be able to pay claims, even if they do not cover the full cost of the repair. This means that they have a loss ratio, which is the ratio of total claims settled to premiums paid. Hence, a 60 percent loss ratio means that for every $100 paid in premiums, $60 was paid in claims. Louisiana insurers have an unusually high loss ratio for uninsured motorist coverage. A loss ratio above one hundred percent is not acceptable and indicates that the company is losing money.\nAnother way of evaluating car insurance companies in Lake-Charles is to consult an independent insurance agent. A good independent agent has vetted each company he/she represents and can provide you with the best car insurance in Lake-Charles La. An independent agent is also helpful because they can get you the best rates on insurance. In addition to car insurance, USAgencies also offers motorcycle, high risk SR-22, renters insurance, and indemnity insurance.\nAverage car insurance rate by company in Lake-Charles\nBefore you shop for a car insurance policy, it is important to know what your budget is. You may need to purchase a basic liability policy or a “platinum” auto insurance policy. Typically, most people need coverage in between these two extremes. If you have a budget, you can then decide on the policy that best meets your needs. To help you determine your budget, you should research your state’s minimum liability requirements and compare them to those of different insurance providers.\nA compact SUV is the most affordable type of vehicle in Lake-Charles. Insurance rates for this model start at $1,864 a year. Other models of compact SUVs in Lake-Charles that are cheaper to insure include the Nissan Kicks, Toyota C-HR, and Buick Encore. The average car insurance rate for a compact SUV is $1,864, while a large SUV will cost you more than twice as much.\nWhen choosing an auto insurance policy, keep in mind that the area surrounding your house is another factor that affects your rates. Property crime and accident rates vary by zip code, even within the same municipal area. If you live in zip codes 70611 and 70615, you will most likely pay the most expensive rates, while residents in zip codes 70605 and 7607 will pay the least. This is because car insurance rates vary by zip code.\nBefore you start shopping for an insurance policy, know your budget for each month and the level of coverage you need. Using a comparison tool like Wirefly can help you get the best possible rate. You can save a lot of money if you switch carriers and choose a better rate. Remember, insurance rates are constantly fluctuating and it is worth it to compare prices at least once every six months.", "label": "Yes"}
+{"text": "Both restaurants are on Monroe Ave. in downtown Buckeye. Buckeye, AZ 85326\nRotary Club of Buckeye has not yet activated their merchant account with Givsum. Your donation will go to the GIVSUM Foundation who will issue a check to Rotary Club of Buckeye (\nless applicable fees\n) as a grant within 30 days. You will get a tax receipt for the full amount of your donation from the GIVSUM Foundation, which you may use for your tax purposes.", "label": "Yes"}
+{"text": "The Most Common Mistakes to Avoid When Using Car Insurance Estimators\nAre you tired of the painstaking process of comparing car insurance quotes? We’ve all been there, spending countless hours researching and calling different insurance providers, hoping to find the perfect coverage at the best price. Thankfully, car insurance estimators have come to the rescue, revolutionizing how we shop for auto insurance. With just a few clicks, these digital tools can provide personalized quotes, making the process faster, more convenient, and seemingly foolproof.\nHowever, car insurance estimators are not immune to mistakes like any technology. While they have simplified the process, they can still lead us astray if we’re not careful. In this blog post, we will explore the most common mistakes people make when using car insurance estimators and provide valuable insights on avoiding them. By understanding these pitfalls, you can ensure that you make informed decisions, obtain accurate quotes, and ultimately secure the right car insurance coverage for your needs.\nCommon Mistakes to Avoid When Using Car Insurance Estimators\n1. Failing to Provide Accurate Information\nFailing to provide accurate information is one of the most common mistakes people make when using car insurance estimators. It may seem alluring to save time by entering rough estimates or leaving out specific details, but doing so can have significant consequences. Here’s a closer look at why accurate information is crucial:\n- Impact on Quotes: Car insurance estimators rely on the information provided to generate quotes. Inaccurate or incomplete details can lead to incorrect estimates. If you underestimate factors such as mileage, previous accidents, or violations, the estimated premium will likely be lower than the actual cost. Conversely, overestimating these factors might result in unnecessarily high quotes.\n- Policy Matching: Car insurance estimators aim to provide personalized quotes based on your specific circumstances. You risk receiving quotes that don’t match your needs by not providing accurate information about your vehicle’s make, model, and features or your driving history and personal details. This can lead to purchasing a policy that either offers insufficient coverage or includes unnecessary coverage, which can be costly and inefficient.\n- Risk Assessment: Insurance companies assess risk when determining premiums. They consider the driver’s age, location, and driving history. Inaccurate information in these areas can distort the risk assessment, potentially resulting in higher or lower premiums than you should be paying. This can lead to financial surprises when the final premium is calculated based on accurate information.\n- Claims Processing: In the occasion of an accident or claim, insurance companies investigate the details to assess coverage and determine payouts. Suppose the information provided during the estimation phase is inaccurate. In that case, it can cause complications during the claims process. Inaccurate information might result in delays or even denials of coverage, leaving you responsible for expenses you thought would be covered.\n2. Overlooking Coverage Options and Limits\nOverlooking coverage options and limits is another common mistake when using car insurance estimators. While these digital tools provide a range of coverage options, it’s essential to consider and tailor your policy to fit your needs carefully. Here’s why overlooking coverage options and limits can be problematic:\n- Inadequate Coverage: Car insurance estimators often present various coverage options, such as liability coverage, comprehensive coverage, collision coverage, and more. Each coverage type offers protection against specific risks and incidents. You may end up with inadequate protection by overlooking these options and sticking with the default settings or the minimum required coverage. In the occasion of an accident or damage, you could be left with out-of-pocket bills that could have been covered under a more comprehensive policy.\n- Tailoring Coverage to Your Needs: Everyone’s insurance needs are unique, and coverage requirements can vary based on factors such as your vehicle’s value, your driving habits, and your personal preferences. By not adjusting the coverage limits and deductibles or adding optional coverage to match your specific needs, you may miss out on essential protections or pay for coverage you don’t require. Customizing your policy ensures that you have the right level of defense in place for your circumstances.\n- Financial Consequences: In the unfortunate event of an accident, the financial repercussions can be significant. Without proper coverage, you could be responsible for paying for damages to your vehicle, medical expenses, legal fees, and damages to other parties involved. Overlooking coverage options and limits increases the risk of being underinsured, potentially leaving you financially vulnerable if an accident occurs.\n- Legal Requirements: Depending on your location, there may be legal requirements for certain types and minimum car insurance coverage amounts. Failure to meet these essentials can result in penalties, fines, or legal consequences. You risk violating the law by overlooking these requirements and not adjusting your coverage options accordingly.\n3. Ignoring Policy Exclusions and Limitations\nWhile it’s important to focus on the coverage and premiums, understanding the exclusions and limitations of your policy is equally crucial. Here’s why ignoring policy exclusions and restrictions can be problematic:\n- Inadequate Coverage: Insurance policies often contain specific exclusions that outline situations or events for which coverage is not provided. By ignoring these exclusions, you may assume that you have comprehensive coverage when, in reality, certain types of damages or incidents are not covered. For example, if your policy excludes coverage for accidents that happen while driving under the influence of alcohol or drugs, you could face significant financial consequences if such an incident occurs.\n- Unexpected Denials: Ignoring policy limitations can lead to unforeseen denials of coverage. Insurance policies typically restrict certain aspects, such as coverage amounts, specific types of damages, or coverage for certain individuals. If you’re unaware of these limitations, you may mistakenly assume that you have coverage for a particular scenario, only to find out later that your claim has been denied due to policy restrictions.\n- Financial Consequences: Ignoring policy exclusions and limitations can result in unexpected financial burdens. If you assume coverage for specific events or excluded damages, you may be responsible for paying out-of-pocket for repairs, medical bills, or other expenses. These unexpected costs can significantly impact your finances and may even lead to financial hardship.\n- Misunderstanding Policy Terms: Policies can be complex, containing legal jargon and technical terms that may be difficult to understand. Ignoring policy exclusions and limitations means missing out on important information that helps clarify the extent of coverage and the duties of the insured and the insurer. By not taking the time to understand these terms, you risk making assumptions about your coverage that may not align with the actual policy provisions.\n4. Neglecting to Compare Quotes from Multiple Providers\nFailing to explore options from different insurers can lead to missed opportunities and suboptimal coverage. Here’s why neglecting to compare quotes from multiple providers can be problematic:\n- Limited Perspective: Each insurance provider has its pricing structure, underwriting criteria, and risk assessment methodologies. By relying solely on a single estimator or provider, you limit your perspective and may not comprehensively understand the available options. Different insurers may offer varying coverage options, policy features, and discounts, which could significantly impact your premiums and overall coverage.\n- Missed Savings: Insurance rates can vary significantly among providers. Neglecting to compare quotes means you may miss out on potential savings. By obtaining quotes from multiple insurers, you can identify competitive pricing and take advantage of special discounts or promotions that may be available. This could result in substantial cost savings throughout your policy.\n- Diverse Coverage Options: Car insurance needs can vary depending on your driving habits, vehicle type, and personal circumstances. Different insurance providers may offer additional coverage options or endorsements that better align with your needs. You may overlook valuable coverage options that could enhance your protection and provide added benefits by neglecting to compare quotes.\n- Customer Service and Reputation: Beyond the pricing and coverage, it’s essential to consider insurance providers’ customer service and reputation. Neglecting to compare quotes means you may miss insights into an insurer’s customer service quality, responsiveness, and claims handling processes. Opting for a provider solely based on price without considering these factors could result in frustration and dissatisfaction in the event of a claim or when dealing with customer service-related issues.\nUsing car insurance estimators can significantly simplify shopping for auto insurance. Nevertheless, it’s vital to be aware of the common mistakes that can hinder your experience and potentially lead to inadequate coverage or unexpected costs. By avoiding these pitfalls, you can ensure that you make informed decisions and secure the best car insurance policy for your needs.", "label": "Yes"}
+{"text": "Terms and User Agreement\nLast updated: 17 November 2022\nBY ACCESSING OR USING THE SERVICE, YOU AGREE THAT YOU HAVE READ, UNDERSTOOD, AND AGREE TO BE BOUND BY THE USER AGREEMENT. IF YOU DO NOT AGREE, PLEASE DO NOT USE THE SERVICE OR WEBSITE.\n1.1 In these Terms and User Agreement, unless the context otherwise requires, the following expressions, Appendices and the Related Agreements, capitalized terms not otherwise defined in this User Agreement, Appendices and the Related Agreements will have the following meaning:\n1.2 “Account” indicates a User account, including OJA Digital Asset Wallet, OJA E-Wallet, OJX Mobile App Wallet which gives access to the Services.\n1.3 “Content” means any and all text, images, audio, video, scripts, code, software, databases and any other form of information capable of being stored on a computer that appears on, or forms part of, the Website.\n1.4 “We/Us/Our” means OJA GLOBAL HOLDINGS LTD., a company registered under England and Wales, with registration number 13813234.\n1.5 “OJA” means OJA Coin., a limited private company under England and Wales law, with its registered office at 128 City Road, London, EC1V 2NX the United Kingdom and registered under OJA GLOBAL HOLDINGS LTD given by Companies House, Cardiff, under the company registration number 13813234.\n1.6 “OJA Digital Asset Wallet” means the wallet feature offered by OJA, on behalf of the Company, to Users for the storage and retrieval of a limited number of Digital Asset as offered within the OJA Platform.\n1.7 \"OJA E-Wallet\" means the wallet feature offered by OJA to Users for the storage and retrieval of OJA Coin.\n1.8 \"OJA Platform\" the online platform of OJA, accessible via the Website, on which a limited number of Digital Assets are offered and solely - as the platform is exclusively available to Users - can be traded between Users.\n1.9 “Digital Asset” means a digital representation of value that is neither issued by a central bank or a public authority, nor necessarily attached to a fiat currency but can be accepted by natural or legal persons as a means of payment and can be transferred, stored or traded electronically.\n1.10 “Funds” means the funds, which can consist of Digital Asset and/or OJA E-Wallet, as deposited by User on the OJA Digital Asset Wallet and/or OJA E-Wallet as linked to the Account.\n1.11 “Buyer” means the User who submits an Order to buy Cryptocurrencies through OJA Platform.\n1.12 “Seller” means the User who submits an Order to sell Cryptocurrencies through the Platform.\n1.13 “Fiat currency” means government-issued currency, that is designated as legal tender in its country of issuance through government decree, regulation, or law.\n1.14 “Deposit” means a Transaction involving transfer of Funds to the Account.\n1.15 “Order” means an instruction to buy or sell Digital Asset on the OJA Platform.\n1.16 “Transaction fee” means a fee which is payable to OJA for each completed Transaction.\n1.17 “Withdrawal” means a Transaction involving a transfer of Funds from the User’s Account to his/her bank account or to an account opened in any other financial institution. Where the context so admits words denoting the singular shall include the plural and vice versa.\n1.18 “Services” means all services as offered by OJA and as specified in articles 5, 6, 7, 8 and 13 of the User Agreement.\n1.19 “User” means an individual or a legal entity (represented by an authorised individual) that has created an Account and uses the Services.\n1.20 “Website” means https://ojacoin.org and all its related subdomains or related services, such as applications, maintained by OJA Coin such as https://account.ojacoin.org and https://explorer.ojacoin.org\nThe User Agreement applies, insofar relevant for the activities as provided by OJA.\n2.1 Access to the Website is free of charge and provided “as is” and on an “as available” basis. We may alter, suspend or discontinue the Website (or any part of it) at any time and without notice. We will not be liable to you in any way if the Website (or any part of it) is unavailable at any time and for any period.\n2.2 Links to Other Websites\nLinks to other websites may be included on the Website. External links to other websites contained on this Website are being provided as a convenience and for informational purposes only. Unless expressly stated, these other websites are not under Our control. We neither assume nor accept responsibility or liability for the content of third party sites. The inclusion of a link to another website on the Website is for information only.\n3.1 Using the Services involves significant risks. User should not use the Services unless User understands the associated risks. Please read the Risk Disclosure Statement to understand the risks related to the Services.\n3.2 User should carefully assess whether User’s financial situation and tolerance for risk are suitable for using the Services and User should not use Funds for the Services that User is not prepared to lose entirely as there is an inherent risk that losses will occur as a result of using the Services.\n4.1 Accounts are individuals or legal entities (represented by an authorised individual) who are resident in or established in Europe, the USA, UK, North America, Eastern Europe and Northern Asia China, Australia, Oceania, Africa, The Middle East, South Asia and South East Asia Countries.\n4.2 User is at least 18 years old and has full capacity to accept the User Agreement, to use the Services and to enter into a transaction involving Digital Asset and is acting on its own behalf.\n4.3 If the User is a legal entity, the Account may only be used by a person authorised to act on behalf of the legal entity. It is the responsibility of such User to limit access to the Account to authorised persons only.\n4.4 User acknowledges and agrees to provide OJA with current, accurate and complete information during the registration and verification process. Additionally, the User agrees to keep OJA updated if any of the provided information changes.\n4.5 User agrees that he/she will not use any Account other than their own or access the Account of any other User at any time or assist others in obtaining unauthorized access.\n4.6 User is responsible for maintaining the confidentiality of information on their Account, including, but not limited to their password, email, wallet address, wallet balance and of all activities including Transactions made via their Account. If there is any suspicious activity related to the User’s Account, OJA may request additional information from the User, including authenticating documents and freeze the Account for the review time. The User is obligated to comply with these security requests or accept termination of their Account.\n4.7 User acknowledges and agrees that he will not use the Account and the Services to perform criminal activities of any sort, including but not limited to money laundering, terrorist financing, fraud or any other criminal or illegal activity as described in more detail in Appendix 1.\n4.8 User acknowledges and agrees that he may create only one Account. Creating multiple accounts for any purposes is prohibited. Duplicate accounts will be closed and in most cases the customer will be required to use their main (oldest) account. It is not allowed to transfer an Account to another person or entity and can only use the Services acting on its own behalf unless OJA has granted its prior written permission to do so.\n4.9 OJA reserves the right to recommend amount limits for the Account funding/withdrawal. OJA could recommend daily, monthly and per one-transaction amount limits.\n4.10 OJA reserves the right to refuse Accounts without reason and to not further process the verification.\n5.1 The creation of an Account and use of the Services can be subject to several levels of verification as described in more detail in Appendix 2. User agrees to provide OJA with the requested information for purpose of Know Your Customer rules, detection of money laundering, terrorist financing, fraud or any other criminal or illegal activity and agrees to provide OJA with additional information and/or require to undergo a background check, in accordance with applicable laws and regulations or the internal rules of OJA, prior to being authorised to use the Services or at any point thereafter.\n5.2 User acknowledges and agrees that OJA may disclose personal data of User to third parties in order to do several verification checks or to check the relevance and accuracy of the information provided for verification purposes.\n5.3 OJA reserves the right to amend the verification process and to require additional and/or updated information from verified Users for additional verification.\n5.4 OJA reserves the right to cancel and/or terminate Accounts that have not been verified or whereby not all required information has been received for additional verification or whereby additional or updated information includes information that is a reason for OJA to cancel and/or terminate the Account.\n5.5 Information and documentation provided by the User will be stored as long as required by law or, if not required by law, no longer than is strictly necessary to realise the objectives for which the information and documentation, including User’s personal data, was obtained.\n6.1 The Website allows Users to submit instructions to buy or sell Digital Asset on the OJA Platform.\n6.2 OJA may apply minimum and maximum sending funds amounts which can vary for each account level.\n6.3 User is aware that an Order should only be submitted after careful consideration and User understands and accepts consequences of its execution. User agrees that as soon as the Order is executed, such transaction is irreversible and may not be cancelled. User agrees that after entering into the User Agreement, OJA will directly perform its obligations under the User Agreement. Transactions may be executed instantly and will be considered to have taken place at the execution date and time.\n6.4 User acknowledges and agrees to be responsible for all provided Orders and instructions, the accuracy of all information sent via the internet in Users name and the passwords and any other personal identification means implemented to identify User.\n6.5 User is aware of the risk that the execution price of a market order may differ significantly from the given indication price. Additionally, the User is aware that market orders are not guaranteed executable due to the availability of sufficient supply or demand.\n6.6 User acknowledges and accepts that limit orders and stop-loss orders are not guaranteed executables at the price or amount specified by the User.\n6.7 User is not entitled to take advantage of any errors on, or made by OJA. OJA maintains the right to correct any errors, to both the advantage and disadvantage of the User, by reverting or reclaiming transactions.\n6.8 In the case of suspected fraud or misuse, OJA reserves the right to suspend Orders and transactions until the legitimacy has been verified.\n7.1 OJA offers Users the possibility to store Funds on their Account to facilitate Users with respect to buying, selling or trading Digital assets on the OJA Platform. OJA reserves the right, if this might be doubtful or if this is not the case, to return the Funds to the destination of their origin or any other place as suggested by the User (e.g. external wallet address) and agreed by OJA.\n7.2 User agrees and warrants that all (current and future) Funds in the Account are not the direct or indirect proceeds of any criminal or fraudulent activity as described in more detail in Appendix 1.\n7.3 The User is not allowed to receive Funds in the Account from any third parties. OJA reserves the right to investigate the source of any Funds in the Account and take appropriate measures with a view to mitigate potential integrity risks. Depending on the outcome of this investigation, OJA reserves the right to return the Funds to the destination of their origin or any other place as suggested by the User (e.g. external wallet address) and agreed by OJA.\n7.4 User acknowledges and agrees that he must check all deposits or withdrawals thoroughly before giving any deposit or withdrawal instruction. Once an instruction is provided, deposits or withdrawals can be made final by OJA at any moment and such deposits or withdrawals may not be canceled and are irreversible. Any mistakes in submitted deposits or withdrawals are the sole responsibility of the User.\n7.5 User acknowledges and agrees that deposits and withdrawals of Funds may be delayed or (temporary) unavailable due to the financial system or due to the inherent nature of the Digital Asset network.\n7.6 In the case of suspected fraud or misuse, OJA maintains the right to suspend deposits and withdrawals until the legitimacy has been verified.\n7.7 User acknowledges and agrees that OJA may use a so-called ‘cooldown period’ for deposits due to which the withdrawal of Funds can be delayed.\n7.8 The Company is responsible, as concluded in the cooperation agreement, for managing all Funds for and on behalf of the Users.\n7.9 If an Account remains closed or dormant for a long enough period of time, and OJA is unable to contact the User, OJA may be required to report any reaming Funds in the Account as unclaimed property if required by law. OJA reserves the right to deduct an administrative fee resulting from such unclaimed funds if permitted by applicable law. If OJA is unable to contact User and the costs of holding the Funds in an Account and/or the costs of a transfer of the Funds to another party to hold the Funds on behalf of User are higher than the (estimated) value of the Funds, OJA can close the Account whereby User has no right to obtain the Funds anymore.\n7.10 OJA Coin are exclusively offered by OJA and could only be used within the OJA Platform. OJA Coin are designated for support and facilitation reasons with respect to payment transactions of Users related to their transactions (i.e. the purchase or sale of Digital Asset) on the OJA Platform.\n7.11 OJA Coin will automatically be issued by OJA upon receipt of payment in Euro/USD/IDR by the Company on behalf of OJA and without delay. OJA issues OJA Coin at par value, due to which the OJA Coin will have the same amount as the Euro/USD/IDR received, and therefore OJA Coin is issued for every nominal received. OJA Coin issued to a User will be added to the OJA Coin E-Wallet linked to the Account of the User.\n7.12 OJA Coin will be shown as an account balance associated with the Account of the User.\n7.13 User acknowledges and agrees that, although the company will take reasonable measures to secure the OJA E-Wallet, storing OJA Coin in an OJA E-Wallet involves significant risks, as described in more detail in the Risk Disclosure, as the Company cannot guarantee complete security. The User acknowledges and agrees that any use of the OJA E-Wallet is at the risk of the User.\n7.14 OJA Coin can only be used for the Services and cannot be stored for other purposes. The User is not entitled to interest or any other compensation for the stored OJA Coin. In case there are indications that the User uses the OJA Coin for other purposes, OJA will contact the User and request proper use or withdrawal of the OJA Coin.", "label": "Yes"}
+{"text": "Recently, Mastercard revealed new credit and debit cards that allow transgender users to select their preferred name (or True Name). The only condition is that their issuing bank agrees. This is a huge deal, considering that Mastercard is one of two primary payment networks in the United States. Up to ⅓ of transgender and nonbinary individuals reported harassment, denial of services, and even attacks when their ID didn’t match their card. The True Name Mastercard is a beacon of hope in the midst of a turbulent time.\nMastercard’s marketing arrives in the midst of a paradigm shift for transgender individuals. The Democratically-controlled House, recently passed the Equality Act. It prohibits “discrimination on the basis of sex, gender identity, and sexual orientation.” The revolutionary Equality Act makes corporate efforts to include transgender and nonbinary individiuals, like the True Name card, possible.\nBanks still have the final decision as to whether or not a person’s True Name is allowed on their Mastercard. This is because the banking industry is heavily regulated. Oftentimes, banks allow cards with shortened names (for instance, “Bill” instead of “William”). Still, they require legal names in order to verify identities and manage accounts. These laws, which banks into place to prevent idenity theft and terrorism, are now obstacles to transgender people. Still, with payment networks rolling out True Name cards, banks will hopefully accept cards with a person’s preferred name.\nSome payment networks, like American Express, are already on board with preferred name concept.\nAmerican Express operates their own payment channels. Therefore, their customers are able to choose their preferred names, and banks typically recognize these chosen names as valid.\nIf you are cisgender and go by a nickname, you may know how credit card invalidation feels. Still, you hold privilege in our society. The struggles we, as cisgender women and men, experience when our banks refuse to recognize our nicknames pale in comparison to the utter invalidation a transgender or non-binary person feels when their banks call them by a name that is no longer theirs. Fortunately, biometric identification could someday start to close the “credit card name” privilege gap, making the name on a card obsolete for everyone, regardless of identity preference.\nThe transgender community struggles for the world to see, hear, and respect them, but the Mastercard True Name card brings transgender and non-binary individuals one step closer to full representation.\nHopefully with time, other payment networks will follow Mastercard’s lead and allow everyone to go by the names they prefer.\nFeatured Photo via mastercard.", "label": "Yes"}
+{"text": "Sigfox USA is looking for a Staff Accountant to support the company’s US Accounting Team. The position will be responsible for preparing cash and general ledger reconciliations, including AP, AR, Prepaids, Accruals, Inventory, Fixed Assets and Intercompany. This position will also be involved with employee travel and expense, including reviewing for compliance and preparing check/ACH payments. The Staff Accountant will also assist the Accounting Manager in more complex accounting areas including revenue recognition and lease accounting. The position will also the Accounting Team in working to solve the increasingly complex accounting considerations facing a growing technology company. In this role the Staff Accountant will see the complete foundation and operations of the business.", "label": "Yes"}
+{"text": "Investment whales rochester new york rapidly Simple online payday loans\nAvoid loans lending products : payday loan will be the short term-identity mortgage device one support the latest small professors financial help as much as 100-a thousand about limited time design regarding 2-a month to make a realization on monetary factors. financing specialist anyone rochester nyc\nfinance dolphins rochester new york You don’t need to facsimile that blog post. After you’ve used the currency debts fast recommendation program is ready digitally and you will agree will require nearly minutes.\nhome loan professional profiles rochester nyc : acquiring the spend-time improvements quick invited let need is effortless having economic whales rochester new york. Using need for currency costs quick bundle minutes and you will pay day loan financing quick welcome recommendation is significantly faster! Go into action in order to $step one,100000 or higher right here. The private income.financial support.short term.welcome.sloanspayday.myself site was quick monetary finder payday advance home loan quick welcome will bring your circumstances having a development of spend-go out home loan expenses short permission financial institutions. Demand income lending options easily bargain today with financing professional pages rochester new york.\nobligations professional users rochester nyc statement : money expert anybody rochester nyc goal , money professional anybody rochester nyc particular , obligations whales rochester ny No credit score , monetary best-level experts rochester nyc brief Approvals , currency expert some body rochester nyc get better financing , bucks dolphins rochester new york up until now , financial dolphins rochester new york No faxing documents information need no outrage , money whales rochester new york easy and you could potentially short official, loans whales rochester nyc 2012 , financial whales rochester new york financial products , obligations professional professionals rochester nyc formal in this a number of times , money pro some one rochester nyc will set you back , funding whales rochester new york currency , mortgage better-level some body rochester ny contact number , investment elite users rochester nyc statements , dollars elite group masters rochester new york rates-totally free numbers , money professional some one rochester new york detection password , https://paydayloanservice.net/installment-loans-ny/ currency whales rochester nyc required amounts , financing whales rochester ny No problems , capital elite experts rochester new york research , personal debt pro pages rochester nyc month-to-month focus , finance professional profiles rochester ny Zero faxing documents , investment expert experts rochester ny information , currency pro people rochester ny email , money whales rochester new york phone number , capital whales rochester new york support service amount , money top-notch gurus rochester new york entered updates , financial support top-notch professionals rochester ny to own learn , currency whales rochester nyc having college or university , financial support dolphins rochester new york for women , the newest money professional users rochester nyc right here , loans specialist pages rochester new york lending products\nfinancing top-notch some body rochester ny suitable Tags : on-range dollars elite group positives rochester new york, Easy financial support dolphins rochester new york, cash whales rochester ny in america, money whales rochester ny timely consent\nThe mortgage top-notch some one rochester new york\nfinancial whales rochester ny , create compatible income, pay check initially, zero credit sample payday loan , 2500 pay day loan , wells fargo pay day loan money, currency finance, $five-hundred or so Financing, $800 financing, $1000 resource, $1500 currency, $2000 currency, $2500 financial obligation, $5000 Home loan, $ a hundred money\nEverything in one gizmos with wages enhances fast consent!\nStop Income Minutes Quick True blessing Payday loans Lower Faxing Suggestions, No Credit check Effortlessly Money to own Poor credit All of the Borrowing Products Desired\nLooking to home loan whales rochester new york ? Weve financial support top-notch professionals rochester nyc easy welcome, Zero Faxing documents with zero credit check private financial obligation whales rochester nyc, count perhaps not when you have poor credit rating score for the money whales rochester new york is all correct, quick dollars doing $1500 payday advances or even more. Have the best payday loans concerning your united states regarding the usa. Ultimately, Easier and cost active to fit your Cash advance.", "label": "Yes"}
+{"text": "Fixed price loan to invest in your numerous interests that are different\nIf you’re about to buy jet ski, snowmobile, ATV, or tractor, get authorized for a KeyBank secured personal bank loan you can save money by negotiating like a cash buyer before you shop, so.\nRate Of Interest\nAs much as 60 months\nVersatile Payment Options\nHandle in On Line Banking\nProtect your money and secure a KeyBank CD to your loan, savings or investment account\nGreat rate of interest and stretched term options\nSelect the repayment plan that is best for your needs\nAccess your loan statements, look at your stability and work out re re re payments in online banking\nFunds could be available as quickly as exact exact same working day of application beneath the after conditions: (1) particular underwriting criteria are met including, although not restricted to, credit rating; (2) loan financing will not need third-party payoff(s); (3) funds are deposited straight into a KeyBank account; and (4) complete loan signing by 2:00pm EST on each day that the lender is available for company. Earnings verification may be expected, which could postpone option of funds. Extra conditions may use. All credit items are susceptible to credit approval as well as other system terms.\nThe APRs assumes utilization of the bank’s optional automated repayment deduction plan from the KeyBank checking or family savings. Include 0.25% in to the reported rate when a computerized deduction plan is certainly not founded from the KeyBank checking or family savings. Normal checking or checking account solution charges use. Please make reference to specific account disclosures for details. The real price and re payment amount can vary, and is based on the merchandise, term, loan quantity, along with your credit skills. In the event that loan is repaid in the 1st eighteen months, you will see a $150.00 penalty charge evaluated. For loan terms higher than 60 months, KeyBank will include 0.25per cent to the APR that is stated.\nFor instance, if perhaps you were to borrow $20,000 for 84 months and be eligible for Key’s as-low-as price of 7.74per cent APR, your payment per month will be $309.14. The APR https://www.online-loan.org/payday-loans-ny/ can vary on the basis of the state of residence. The 7.74% APR can be a typical apr charged by KeyBank across Key’s impact (OH, IN, MI, PA, NY, MA, CT, VT, ME, CO, ID, UT, WA, OR, AK) and carries a 0.25% discount for electing to truly have the payment automatically deducted from the KeyBank Checking or family savings, plus a 0.25% add for electing a term higher than 60 months.\nE-Sign is only readily available for applications submitted at a KeyBank branch. E-Sign just isn’t readily available for online applications.\nAll credit products are susceptible to credit approval. NMLS# 399797.\nTo use, you have to:\nBe 18 several years of age or older\nReside within the following states: AK, CO, CT, ID, IN, MA, ME, MI, NY, OH, OR, PA, UT, VT, or WA\nConsent to offer extra individual and company information, if required, such as for instance tax statements and economic statements\nCertify that most given information submitted into the application holds true and proper\nAuthorize the bank and/or a credit bureau to research the home elevators the application form\nAssume control of the World. Take a fast Action Towards Being Debt Free\nWith your bills if you think de-cluttering feels great, wait until you try it.\nSecured vs Unsecured Loan\nBegin to see the huge difference security makes.\nPersonal lines of credit vs Loans\nSee which could operate better for your needs.\nCustomers employing A tdd/tty device: 1-800-539-8336\nConsumers making use of a relay solution: 1-866-821-9126", "label": "Yes"}
+{"text": "Most small businesses will require funding, especially during the start-up stage. Whilst some small businesses will have access to wealthy entrepreneurs and investors, others will require an SBA loan.\nPartially guaranteed by the US Small Business Administration, an SBA loan refers to a small business loan that is administered by a lender, in most cases, this will be a bank.\nEssentially, rather than lending the money directly to the business owners, they provide guidance for the lenders to follow. By making it easier for small businesses to access capital, owners will not experience as many difficulties when applying for a loan.\nIf you are currently looking into SBA loans, you may be wondering who is liable for the debt and whether a personal guarantee is required. We have provided you with all of the answers in our guide below.\nAre You Personally Liable For An SBA Loan?\nWhen you apply for an SBA loan, you become personally liable for the debt. This means that if your business defaults on the repayment within the time specified, they may demand for the repayments to be made by you personally.\nIn some cases, the lender may pursue some of your personal assets that equate to the amount that you owe them.\nWhat Is A Personal Guarantee?\nA personal guarantee is a legal document that you sign as the recipient of a loan. It confirms that you will be personally responsible for repaying any debt that your business has accumulated if the business itself defaults on the repayments.\nYou may need to pledge assets that the lender can claim as collateral if you aren’t able to make the repayments yourself. Assets may include your savings, your home, or any vehicles that you own.\nA personal guarantee essentially acts as a safety net for the lender because it gives the borrower the responsibility of covering their debt.\nThere are different types of personal guarantees and the type that you sign can differ between lenders. The guarantee should also state what personal assets are going to be at risk if repayments are not made in time.\nAlthough signing a personal guarantee can put your assets at risk, doing so can help to strengthen your application for a loan and this may benefit those who do not have a credit history.\nWhat Are The Different Types Of Personal Guarantees?\nThere are two different types of personal guarantees; a limited guarantee and an unlimited guarantee. You will be asked to sign one of these by the lender. It is important to have an understanding of how each type differs.\nLimited Personal Guarantee\nA limited guarantee is designed for businesses where there is more than one owner making the guarantee. Should the loan go into default, each owner is responsible for repaying a certain percentage of the total amount that is outstanding. When it comes to personal assets, the value of the collateral that the lender claims from each owner will be agreed upon.\nUnlimited Personal Guarantee\nAn unlimited personal guarantee is signed by business owners who own 20% or more of the business. Essentially, there is one principal guarantor that is going to be responsible for repaying the full amount of the loan. An unlimited personal guarantee does not offer you any protection if your business does not take off as you’d imagined it would.\nIs A Personal Guarantee Required For An SBA Loan?\nAs stated previously, SBA loans are actually administered by lenders and the guidelines and requirements can differ depending on the bank or financial institution. Some lenders will be quite strict and will not offer a loan to a small business without having the assurance of a guarantee. Other lenders will be more lenient.\nThe SBA does actually offer a loan guarantee. If the borrower fails to make the repayments, the lender can claim between 50 and 85 percent of the remaining loan amount directly from the SBA. The borrower is still responsible for the amount that remains, however, it reduces the risk for the lender and because of this, there is a higher chance of them approving the loan.\nWhilst the SBA offers its own guarantee, a guarantee still needs to be obtained by the lending institution. As the borrower, you must make sure that you fit the criteria of SBA and lending guidelines in order to be considered for the loan.\nWhat Are The Benefits Of A Personal Guarantee?\nNow you may be curious as to whether a personal guarantee offers any benefits. Whilst a personal guarantee increases your financial responsibility in regards to the repayments, as briefly mentioned, it is going to increase your chances of being approved for the loan.\nMoreover, a personal guarantee may result in improved loan conditions. Because you are giving them more security, in return, the lending institution may reduce the interest rate on your repayments. They may also allow you to make the repayments over a longer period of time.\nAre There Any Risks Associated With Personal Guarantees?\nIf your business is not as successful as you thought it would be you are going to be faced with the repercussions. Not only will you be left with the responsibility of making the repayments are pledging assets, but your credit score may also be affected.\nIt is important to make sure that you pay close attention when reading through the conditions of your personal guarantee so that you are fully aware of your obligations and responsibilities.\nCan A Personal Guarantee Affect Your Finances?\nSigning a personal guarantee shouldn’t have a negative impact on your finances if the repayments are made on time. Of course, if this is not going to be the case if your business starts to fall behind on the loan payments because you will personally become financially liable.\nUltimately, the borrower is personally liable for an SBA loan, and whilst all SBA loans are guaranteed, the type of personal loan that you need to sign will differ depending on the lender.", "label": "Yes"}
+{"text": "What type of economy is Mexico?\nThe economy of Mexico is a developing market economy . It is the 16th largest in the world in nominal terms and the 11th largest by purchasing power parity, according to the International Monetary Fund .\nIs Mexico a free market economy?\nMexico has a free market economy in the trillion dollar class. Since the implementation of the North American Free Trade Agreement (NAFTA) in 1994, Mexico has increased its share of US imports from 7% to 12% and Canadian imports to 5.5%. Trade with the United States represents about 78% of Mexico’s exports.\nIs Mexico a mixed economy?\nMexico has a mixed economy , which means that it is made up of both privately-owned and state-owned companies. The government also regulates economic activity. Development is occurring at a rapid rate and private investments and businesses have also been increasing.\nIs Mexico a poor or rich country?\nMexico has the 11th to 13th richest economy in the world and ranks 4th with most number of poor among richest economies. Mexico is the 10th to 13th country with the most number of poor in the world.\nWhat is wrong with Mexico’s economy?\n“The main issue behind the weakness in the Mexican economy is gross fixed investment, which is a function of fiscal austerity on the public sector side and subdued confidence in the private sector.” Although 2020 growth may well outperform last year’s, with Mexico’s oil output expected to be stronger and construction\nIs Mexico a 3rd world?\nMexico is considered to be both a Third World country and a developing country. By historical definition, Mexico is regarded as a Third World country because Mexico did not align with NATO or the Communist Bloc following World War II.\nWhat is Mexico’s main source of income?\nMexico has the ninth- largest economy in the world. Its main industries are food and beverages, tobacco, chemicals, iron and steel, petroleum, clothing, motor vehicles, consumer durables, and tourism. It is a major exporter of silver, fruits, vegetables, coffee, cotton, oil and oil products.\nWhat drives the Mexican economy?\nMexico has a strong economy with a gross domestic product that ranks 15th globally, thanks largely to its manufacturing and petroleum exports. Its economic power translates poorly to the country’s populace, almost half of which live in poverty.\nWhat is the richest state in Mexico?\n|Mexican States by GDP per capita – 2016|\n|Rank||State||GDP per capita (in MXN)|\n|2||Ciudad de México||386,135|\nWhere does Mexico rank in world economy?\nIs Mexico’s economy better than us?\nMexico’s 2018 GDP growth rate was 2.2%. It’s less than the U.S. rate of 2.9% but better than Canada’s rate of 2.1%. Mexico’s standard of living, as measured by GDP per capita, was $20,645. That compares to $62,518 for the United States and $49,936 for Canada.\nDoes Mexico have a market economy?\nMexico meets all the criteria of an emerging market economy . The country’s gross domestic product, or GDP, per capita beats most of its peers in the developing world but falls short of the threshold required for classification as a developed country.\nWho is richest country in the world?\nHow many billionaires Mexico have?\nIs Mexico richer than India?\nIndia vs Mexico : Economic Indicators Comparison India with a GDP of $2.7T ranked the 7th largest economy in the world, while Mexico ranked 15th with $1.2T. By GDP 5-years average growth and GDP per capita, India and Mexico ranked 6th vs 109th and 150th vs 77th, respectively.", "label": "Yes"}
+{"text": "How is it possible if you have poor credit to get loans in their own name? Are there loans for people with bad credit? You’d believe not, would not you? All things considered, individuals with poor credit have a history of not paying off previous loans which makes them poor credit risks – right? They Have gotten into trouble with credit before and there is no place out there that will loan them cash with a poor credit history – right? Well, that is somewhat correct.\nActually, it’s potential if you have poor credit to get financing. They might not be capable to consistently get it on their own, but there are choices accessible to those with poor credit. The terms may not be appealing, and it surely might not be simple, but it’s potential.\nThe first – and likely most workable choice – for individuals with poor credit to get financing will be to locate a cosigner for the loan. The cosigner must be a man with a clean credit history. Essentially, when a loan is secured by a cosigner, you both seem on the loan as responsible parties. The cosigner is basically telling the loaning firm that they’ll make sure your payments are made by you and they’ll, if you do not.\nHaving a cosigner on a loan is catchy business, yet. Typically a cosigner is a parent, loved one, or close pal. The relationship between the two of you could go terribly sour, so you should either be positive you can make your payments or risk damaging the relationship you have with them, if you’re requesting someone to cosign on a loan with you, if anything goes wrong.\nPeople who have poor credit may also manage to procure financing in their own name from a giving business, but they’re most probably going to need to pay an increased interest than those that have great credit. As an example, a car loan for an individual with great credit can be got with a loan that’s a lending rate as low as 4 percent in some instances. A man with poor credit might pay up to 12 percent for the same loan. As you can imagine, that means higher payments on the loan for the man with poor credit.\nA guaranteed loan is another option if you have poor credit. Basically, a guaranteed loan uses the property you’re borrowing for as security against the loan. If you do not make the payments, the property is repossessed. Guaranteed loans for individuals with poor credit are usually given for a vehicle which means that non payment means the automobile goes byebye.\nThe good thing is that if people who have poor credit have the ability to procure a loan, they could reconstruct their credit with timely payments and non-default. That sets them on the road toward a favorable credit report and fiscal stability.", "label": "Yes"}
+{"text": "I work 280 hours a month. Before that I was working 256 hours a month so I don't make a lot of money I just work a lot if hours with shit tons of O. T so when I worked 256 hours a month I'd make 45k a year and now at 280 hours I'm at 52k a year but after taxes I only take somewhere in the low 30k 32-33k. I'm trying to pay off my student loans ASAP by working a shit ton but it seems like I'm getting taxed more than my fare share. When I'm working 84-98hour weeks and no days off only one week off a month and only making 45-52k and I'm being taxed between 15-22k a year? I'm almost better off not working so hard the way in taxed! WTF!\nMost Helpful Girl\nYeah that can be tough but be glad - when you are older, you will have a SWEET retirement.0\nMost Helpful Guy\nThis is why I gave up being a bleeding heart. Yes, some people will aways need help to make it. But for the rest, handouts are great only until you eventually run out of other people's tax money.\nThat said, all the shitheads running around buying crap on their EBT cards thank you for all your hard work to make doing nothing possible for them.0", "label": "Yes"}
+{"text": "The Western Canada Alliance of Wall and Ceiling Contractors (WCAWCC) has released an open letter sent to Finance Minister Bill Morneau and Global Affairs Minister Chrystia Freeland imploring them to resolve the issue of what is says are crippling anti-dumping tariffs on U.S. imports of gypsum board (drywall) in Western Canada.\nThe alliance says in a letter signed by counsel Dan Ujczo that “it feels abandoned by the Trudeau government and frustrated with being forced to absorb a massive 43 per cent anti-dumping tariff on U.S. drywall.”\nFollowing an outcry after massive anti-dumping duties were imposed last year, an official Canadian trade panel determined in January that U.S. firms had dumped drywall in Canada, but that maintaining duties of up to 276.5 per cent would harm businesses, consumers and the country’s trade interests.\nIn February, the federal finance department said it was reducing minimum import prices, which are used to calculate duties, by 32.17 percent. The new duty level took effect Feb. 24 and will be reviewed again in a year.\nHowever, the contractors believe that the measures are insufficient, especially for some who are locked into fixed-price contracts based on the pre-duty prices for drywall.\nIn its letter, WCAWCC says it requests the government resolve the gypsum issue not only because it benefits Western Canadian consumers and the livelihoods of its members but because it is essential to negotiating a favourable agreement for the Canadian softwood lumber industry and advancing Canada’s position in the NAFTA negotiations. The letter comes as the U.S. government released their list of negotiating objectives for NAFTA modernization.\nThe alliance says the letter further outlines:\n- How the government’s misguided “bargaining chip” trade negotiation strategy to ignore the implementation of a duty holiday on its own people, leaves the issue unresolved, and creates a roadblock in softwood lumber negotiations with the U.S.;\n- This issue now has the attention of the U.S. government. WCAWCC testified before the U.S. Trade Representative (USTR) at its June 2017 NAFTA consultation hearings in Washington.\n“The panel was alarmed and surprised by the hypocrisy of the Canadian government when the Alliance explained it had been harmed by duties imposed on U.S. imported gypsum board,” the WCAWCC news release says. “Our government was offering the same argument made against Canadian imports into the U.S. of softwood lumber and the harm on U.S. homebuilders.”\n“From the perspective of the Trump Administration, Canada has now imposed extreme duties on U.S. gypsum manufacturers, created a monopoly for a French-owned company, and now other foreign countries are entering the Canadian market to fill the void left by the U.S.,” the contractors say.\nThe contractors’ group asserts its members’ financial situation is worse today than it was in fall 2016.\n“Anti-dumping duties have devastated the economics of the industry’s standard, fixed-price contracts. Over the last six months, the Alliance estimates Western Canada’s 100 largest commercial drywallers (combined) have been forced to absorb over $20 million in unanticipated duty costs. Further imperilling their financial situation is a six per cent increase in U.S. drywall pricing announced on July 6.”\nWCAWCC says it has appealed to the government to “implement the duty holiday recommended by the Canadian International Trade Tribunal (CITT) on U.S.-imported gypsum into Western Canada, allowing contractors to clear out their fixed-price contracts during the height of the summer’s building season and allow “the government to take this issue off the softwood lumber and NAFTA negotiation tables.”", "label": "Yes"}
+{"text": "The Netherlands adopted shareholders’ say on pay over a decade ago. The general meeting of shareholders must approve the remuneration policy and any amendments to it. This Dutch approach offers fruitful insights into how say on pay works in practice. In the light of the recent European proposal to introduce a uniform say on pay, we examine the merits of the Dutch system. First, we describe the legal framework of the Dutch say on pay and its background. Then, using hand-collected voting data, information from the minutes of general meetings and ownership data for the entire Dutch say on pay period (2004–2014), we address and discuss both its direct and its indirect effects. Our study shows that, although remuneration proposals are seldom rejected, the influence of shareholders on the remuneration policy of the company is considerable. Furthermore, the Dutch approach to say on pay stimulates shareholders’ dialogue and increases pressure on boards regarding remuneration matters, even in the presence of large insider shareholders.", "label": "Yes"}
+{"text": "The Better Business Bureau of Vancouver Island is reminding consumers to take the time to become credit savvy before embarking on home improvement renovations.\n“We get a number of calls this time of year from consumers, who are eager to start a renovation or home improvement project, that misunderstand how their use of credit has negatively impacted their credit rating,” said Rosalind Scott, president and CEO of the local BBB.\n“These consumers are then very upset with the bank when they find out that they are not eligible for home improvement loans or credit cards, despite the fact that they think they have a good credit history.”\nThe real problem often begins long before the consumer heads to the bank for a loan. It usually begins earlier in the year (or even the year before), when the consumer took advantage of “in-store discounts” related to the opening of an account associated with store’s credit card program.\n“What consumer’s don’t often realize is that those ‘buy now, pay later programs,’ and those ‘get a discount by opening a store credit card’ opportunities, are actual financial activities that impact your credit history and your credit rating,” said Scott.\n“Even if you never use the program or card again, the fact that you opened it goes on your credit report and has the potential to impact your access to additional credit or loans in the future.”\nMany consumers think that by cutting up a credit card that the account then no longer exists. This of course is not the case. To cancel a credit card there is a very particular set of steps that you must take. And just because you cancel a credit card it does not mean that the payment information related to the card comes off your credit report immediately.\nClosed credit accounts, with zero balance and no associated negative information, will remain on your credit report for 10 years from the date the account was closed.\nFor more helpful consumer tips, please go online to: bbb.org/Vancouver-island.", "label": "Yes"}
+{"text": "H&M reports fastest quarterly sales growth in three years\nSwedish fast fashion giant Hennes & Mauritz AB (H&M) reported quarterly earnings this week, and while the figures were good, analysts’ uncertainty led the share price down. The company saw its fastest quarterly sales growth in three years, but many analysts were curious as to whether this growth was spurred on by the deep discounts the company was offering in store – and the extent to which those discounts could damage H&M’s bottom line. Ultimately, we won’t find out the answer to these questions until January 31, when the company reports its full results.\nAnalysts’ uncertainty led H&M’s share price down on the back of results – but it’s still up by 7% over the past six months\nSource: Yahoo Finance\nTo be clear, the only solid data that H&M released was overwhelmingly positive – and a number of observers might feel that this is cause for celebration. The reason that the wider market is reacting more cautiously comes down to the possible effects of deep discounting. On the one hand, with reports that the company has been selling sweaters as cheaply as $9.99, some analysts have questions about the impact that slashed prices could have on what is otherwise impressive sales growth. On the other hand, RBC Capital Markets analyst Richard Chamberlain has questioned how easy H&M will find it to put prices back to normal for the festive period.\nFor the three-month period running through November, H&M beat analysts’ expectations on revenue. Year on year, it rose by 12% to 56.4 billion kronor ($6.2 billion), beating out the Street’s predictions of 56.1 billion kronor. H&M was facing a relatively weak comparable quarter, and half that growth was down to currency effects, but the fact remains: for now, it’s undeniably a win.\nDominion holds Hennes & Mauritz in its Global Trends Luxury Fund.\nIf you would you like to receive the Newsfeeds daily, please click here to sign up now!Help us make this Newsfeed better by rating this article. 1 star = Poor and 5 stars = Excellent\n- Click here to print this story: Print\nThe views expressed in this article are those of the author at the date of publication and not necessarily those of Dominion Fund Management Limited. The content of this article is not intended as investment advice and will not be updated after publication. Images, video, quotations from literature and any such material which may be subject to copyright is reproduced in whole or in part in this article on the basis of Fair use as applied to news reporting and journalistic comment on events.", "label": "Yes"}
+{"text": "Business and its performance Overview of South African Retail IndustryBusiness and its performance Overview of South African Retail Industry\nOctober 4, 2010\nBharatbook added a new report on “South African Retail Industry Forecast to 2013” provides comprehensive information and conceptual analysis of the South Africa retail market. By RNCOS.\nSouth African Retail Industry Forecast to 2013\nSouth Africa represents the largest retail industry in the Sub Saharan region and ranked as the 20th largest retail market worldwide. The country has recently hosted the 2010 FIFA World Cup that gave impetus to the retail industry by attracting a large number of foreign tourists. Besides, the retail industry has gained momentum in the backdrop of economic recovery from the global recession and fast pace infrastructure development. ( http://www.bharatbook.com/detail.asp?id=152023&rt=South-African-Retail-Industry-Forecast-to-2013.html )\nAs per our research report “South African Retail Industry Forecast to 2013”, the South African retail market was valued at US$ 82.7 Billion in 2009. The retail market has benefitted from the strong consumer confidence and high public spending on both food and non-food items. We have found that the non-food retailing will grow at faster pace than food retailing, with high spending on technical consumer goods. With the rising employment opportunities and low interest rates, the market is set for high growth in the coming years. We anticipate that the South African retail market will grow at a CAGR of 5% during 2010-2014 to US$ 118.7 Billion (2014).\nOur report has identified different retailing segments namely the food retail and the non-food retail. The report has further segmented the non-food retail into clothing & footwear, cosmetics & toiletries, furniture, household cleaning products and consumer electronics.\nThe report has also studied the South African retail market in terms of different retail formats – convenience stores, supermarkets and traditional market. Convenience is a relatively new trend in South Africa’s Fast Moving Consumer Goods (FMCG) market. Major retailers and wholesalers own most of the convenience stores in South Africa. Supermarkets have been present in the country for more than 60 years and quite popular for providing fresh products.\nThe report provides comprehensive information and conceptual analysis of the South Africa retail market. It also shows the present and past market trends to give an idea about the industry developments. It also includes prediction of future trends not based on the complex model but are intended to provide a rough guide to the direction in which the market is likely to move. The report also provides a brief business description and performance overview of the main retailers, which will help the client in analyzing market dynamics and competition.\nFor more information kindly visit : http://www.bharatbook.com/detail.asp?id=152023&rt=South-African-Retail-Industry-Forecast-to-2013.html\nThe Future of Convenience Retailing in Europe\nGlobal Retail Trends 2010\nContact us at :\nBharat Book Bureau\nTel: +91 22 27578668\nFax: +91 22 27579131\nFollow us on twitter: http://twitter.com/3bbharatbook\nPlease visit our blog at http://bharatbookseo.blogsome.com", "label": "Yes"}
+{"text": "Date(s) - March 1, 2023\n7:30 am - 9:00 am\n“Linking Cash Flow Management and Life Planning: Your Most Important Client Conversation”\nCash flow management and life planning are services that provide immeasurable value to financial planning clients. By integrating these two processes, research shows that you will be more effective in engaging your clients and empowering them to affect positive change in their lives. Help your clients to focus on what is truly most important to them, and provide tools that will allow them to survive and thrive in all market conditions. In addition, you will develop long-term client relationships by initiating life changing conversations and providing a service that is central to their financial well-being.\nAmy’s presentation will help advisors overcome obstacles and facilitate better conversations with clients. You will also learn how to create a powerful decision-making framework based upon each client’s own values and priorities.\nAmy Mullen, CFP®, is President of Money Quotient, an organization that teaches financial professionals how to bring science to the art of relationship. In her role, Amy conducts training and consulting on the benefits and effectiveness of a values-based approach to financial planning. She helps advisors understand clients’ financial motivations and learn to guide them through change and create long-lasting relationships. Money Quotient’s multi-disciplinary, evidence-based approach to financial planning takes into consideration both the practical and emotional aspects which promote financial well-being and life satisfaction. Outside of the office, Amy enjoys hikes, photography, live music and cooking.", "label": "Yes"}
+{"text": "Gores Group, a Los Angeles-based firm, is nearing a final close on its third fund, having collected $1.04 billion out of its $1.5 billion target.\nThe firm has to hold a final close on the fund 12 months from the fund’s launch, which was in August 2009, according to documents from the San Diego County Employees’ Retirement Association. The pension committed $75 million to the fund at its meeting last week.\nGores closed its second fund on $1.3 billion in 2007. The firm raised $400 million for its first institutional fund in 2003.\nFund III has a 1.85 percent management fee during the five year investment period, and 1.5 percent of active investments after the investment period. The fund will also use 80 percent of transaction, break-up and other fees to pay down the management fee.\nGores invests in North America and Europe, but expects much of Fund III to be invested in Europe. “Gores see sizable distress-related opportunities and less competition in Europe,” the firm said in documents. The firm has been building up its London staff over the past few years, and has committed about 28 percent of funds I and II to businesses based in Europe.\nThe firm uses “as much debt as is practical without putting undue financial pressure on the portfolio company; it typically uses a combination of asset-based debt as well as cash flow loans”.\nGores also doesn’t try to make exits through the public markets, but through “sales to strategic acquirers or through distributions after the companies have been returned to profitability”, the firm said.\nFund III will acquire 12 to 20 portfolio companies with investment sizes around $50 million to $250 million. Gores targets information technology, telecom, industrial, and to a lesser extent, media, healthcare and security businesses.\nThe firm is using Lazard as a placement agent for the fundraising.", "label": "Yes"}
+{"text": "The metro Birmingham housing market improved in February, and is expected to continue to improve throughout 2013, according to several reports out today.\nHome sales rose 3 percent to 776 in February from 755 in February 2012, pushing year-to-date sales up 8 percent to 1,462 from the 1,349 in the same period of 2012, the Birmingham Association of Realtors said today.\nForeclosures, at an average price of $73,039, represented 30 percent of all sales, the report said.\nPrices rose across the board in February, jumping 14 percent on average to $178,397 from $156,577 in February 2012, BAR said. Non-distressed sales sold for an average price of $222,310.\nThat brought the average price so far this year, including distressed and non-distressed homes, up 11 percent to $175,384 from the same period of last year, according to the report.\nA separate report by ABRE Analytics, a partnership between the Alabama Center for Real Estate and researcher Tom Brander, said Birmingham sales are expected to continue to improve in 2013 over 2012.\nMetro Birmingham home sales are expected to rise 8 percent to 14,571 this year over 2012 – the same percentage change in 2012 from 2011, the report said. Contrast that to Alabama, whose sales are projected to increase 6 percent to 41,799 this year from last year.", "label": "Yes"}
+{"text": "SMM News: recently, Jiangxi Ganfeng Lithium Industry Co., Ltd. held a meeting on June 28, 2019, passed the motion of Ganfeng International wholly-owned subsidiary Mariana Lithium Industry to provide financial assistance to Litio Company and extend the financial assistance period. Jiangxi Ganfeng International wholly-owned subsidiary Mariana Lithium Industry, Jiangxi Ganfeng International wholly-owned subsidiary Mariana Lithium Industry, without affecting its normal operation, An additional amount of financial assistance not exceeding US $8 million shall be provided to Litio, a controlling subsidiary, and the period of financial assistance shall be extended to the 180th day from the date on which the Mariana project is officially put into operation. Prior to the implementation of the financial assistance, Mariana provided a total financial assistance of no more than US $12 million to Litio. After the implementation of the financial assistance, Mariana provided a total financial assistance of no more than US $20 million to Litio.\nLitio was incorporated under Argentine law in the Argentine province of Mendoza on April 5, 2010 and is not yet listed. As of the date of disclosure of this announcement, the number of shares of Litio is 122800, with Mariana Lithium holding a stake of 84.25 per cent and International Lithium holding 15.75 per cent of its shares. Litio, which specializes in mineral exploration and investment, has a 100 per cent interest in the Mariana lithium-potassium brine mine in the province of Salta, Argentina.\nThe purpose of this transaction is to promote the exploration progress of Litio's lithium-potassium brine project in Mariana, Argentina, to meet the company's future growth demand for lithium resources, and to enhance the long-term competitiveness of Mariana. From Ganfeng lithium industry learned that the transaction will make the company cash flow to produce a certain net outflow, but will not have a significant impact on the company's normal working capital.\nIn addition, Mariana lithium-potassium brine project may face some risks in operation, Mariana lithium-potassium brine project exploration may be affected by exploration technology, natural conditions and other factors, there is a risk of resource exploration failure. At the same time, the project mining is affected by personnel, technology, equipment and other factors, or natural disasters such as force majeure occurred in the mining area, there may also be the risk of failure in the exploitation of mineral resources.", "label": "Yes"}
+{"text": "Shenzhen-listed Focus Technology, the owner and operator of Made-in-China.com, reported its financial results for the quarter ended 30th September 2016. Revenues were US$25 million representing a year-on-year increase of 34%. However, net income posted a slight drop of 1.6%, down to US$3.9 million.\nAs of 30th September, Made-in-China.com claims to have 14,243 registered members, of those, 13,249 were registered on the flagship English-language platform, and the remaining 994 were registered on the Chinese-language platform.\nSource: Business Strategies Group Hong Kong – www.bsgasia.com", "label": "Yes"}
+{"text": "If you were one of the small business owners who received a Paycheck Protection Program (PPP) Loan from the Small Business Administration (SBA), it is vital for you to understand how to use your PPP funds. To assist clients and community members, we’ve provided a recording of our webinar and a PDF guide to help answer your questions. Here are some of our key recommendations.\nSeparate the Funds\nWe recommend you keep your loan proceeds segregated from your regular funds to aid in calculation and documentation for forgiveness. Continue to pay your payroll and bills out of your normal account and then reimburse that account with loan funds. This is important because there are certain parts of payroll that are not forgivable (like employer FICA taxes). If you run an entire payroll through an account with loan funds, you will inevitably spend unforgivable money, which you will have to pay back.\nRun a Calculation\nAfter receiving your loan funds, the first thing you can do is breathe a sigh of relief. The second thing you need to do is run a calculation to determine how much of your loan can be used on qualified expenses besides payroll. 75% of your loan must be used on payroll (including healthcare and retirement) and the other 25% may be spent only on the qualified expenses of rent, mortgage interest, and utilities (electricity, gas, business transportation, water, phone, and internet).\nSo, take your loan value and multiply by 25% – this is the most you can spend on other qualified expenses (rent, utilities, and interest on mortgage obligations). Estimate the amount you will spend on 2 months of these expenses to see how close your actual amount is to the calculated amount. Refer to pages 4-6 in our guide for clarification on this calculation.\nAsk for Help\nIf you are concerned or have questions, this is not a situation to “wing it”. If you spend these funds on unqualified expenses, you can be charged with fraud. If you use these funds to pay for more than 25% of non-payroll qualified expenses, you are going to be left with debt on this loan. Running the payroll calculation part can be especially difficult because there are many factors to add in, varying salary levels, and sometimes even varying benefits among your employee group to consider.\nIf you are interested in getting help with your loan use or forgiveness calculation, please email us at [email protected].", "label": "Yes"}
+{"text": "Q&A 1: Corporation or proprietorship?\nQuestion. Are the business travel documentation rules different if I operate my business as a corporation versus as a proprietorship?\nAnswer. Yes and no.\nNot different. Regarding deductions for lodging, meals, or other travel expenses, the rules governing receipts, business reasons, and canceled checks are the same for corporations, proprietorships, individuals, and employees.\nDifferent. If you operate as a corporation, the corporation is a separate legal entity from you. You are an employee of that corporation. To get the best tax results, you\n- need the corporation to reimburse you for the travel expenses, or\n- have the corporation pay the travel expenses.\nEither way, you have to document the travel expenses as explained in the answers below.\nBig change. The Tax Cuts and Jobs Act eliminated for the years 2018–2025 your ability to deduct employee business expenses on Form 1040. Thus, as an employee of your corporation, the only way to realize the tax benefit for travel is via direct corporate payment of the travel (say, via a corporate credit card) or reimbursement to you.\nQ&A 2: Do I Have to keep a Tax Diary for My Business Travel?\nNo, but the timely records you keep must prove the four elements below:\nAmount. The amount of each expenditure for traveling away from home, such as the costs of transportation, lodging, and meals.\nTime. Your dates of departure and return and the number of days on business.\nPlace. Your travel destination, described by city or town.\n- Business purpose. Your business reason for the travel or nature of the business benefit derived or expected to be derived.\nQ&A 3: Is There an Easy Way to Keep a Tax Diary?\nYes. Use the Tax Diary System. Here is what the entries for a day of travel would look like:\nThe system captures the four elements that the IRS requires, including the date—the date is above the snippet you see in this image.\nYes, this is a paper copy, and there are dozens and dozens of smartphone apps for travel. We’re sure some of them are good, but we haven’t tested them in depth and don’t know which ones to recommend, so we don’t have a recommendation.\nBut this we know for sure: spending a little time putting your travel expenses in the Tax Diary System helps you make sure you capture all the expenses and record the necessary information.\nQ&A 4: Why Are Travel Meals Separated from Other Travel Expenses?\nLawmakers don’t like the meals you eat while traveling. To prove their point, they enacted a 50 percent cut in your tax deductions for travel meals.2\nIn the image above, travel meals and snacks total $123 for the day. On your individual or corporate tax return, you enter half that amount as a tax deduction. On the corporate return, the other half is a Schedule M-1 adjustment.\nQ&A 5: Do I Need Receipts?\nYes and no!\nWhen in tax-deductible travel status, you need a receipt, paid bill, or similar documentary evidence to prove3\n- every expenditure for lodging, and\n- every other travel expenditure of $75 or more, except transportation, for which no receipt is required if one is not readily available.\nQ&A 6: What Is a Receipt?\nThe receipt is a document that establishes the amount, date, place, and essential character of the expenditure.4\nA hotel receipt is sufficient to support expenditures for business travel if the receipt contains the5\n- name of the hotel,\n- location of the hotel,\n- date, and\n- separate amounts for charges such as lodging, meals, and telephone.\nexample. A restaurant receipt is sufficient to support an expenditure for a business meal if it contains the6\n- name and location of the restaurant,\n- date and amount of the expenditure,\n- number of people served, and\n- if a charge is made for an item other than meals and beverages, an indication that such is the case.\nQ&A 7: Credit Card Statement and Canceled Checks\nQuestion. Can’t I simply use my credit card statement as a receipt?\nAnswer. No. Your credit card statement is like a canceled check. It proves only that you paid the money, not what you purchased.7\nTo prove the travel expenditure, you need both the receipt (proof of purchase) and the canceled check or credit card statement (proof of payment).\nQ&A 8: What Is a Timely Kept Record?\nThe IRS says that a log maintained on a weekly basis that accounts for activity during the week creates a timely kept record.8 This is good. In other words, the IRS deems that you meet the requirement to record your travel expenses at or near the time you spend the money when you keep a weekly or more frequent log.9\nQ&A 9: $75 Rule Allows Cheating\nQuestion. Since I don’t need a receipt for a travel expense under $75 other than lodging, how does the IRS know that I’m not cheating?\nAnswer. Where did you get the cash to pay the expense? Did you make an ATM withdrawal? Did you cash a check? You can see that the IRS has many ways to know.\nQ&A 10: Should I Keep Receipts If the Expense Is Under $75?\nYes. We can think of no reason not to keep the receipt, regardless of the amount.\nThink about it. The receipt is proof positive. When the travel expense is less than $75, the IRS allows you to simply write down the expense, but doing so is not proof positive as it is with the receipt.\nWe advocate proof positive for your travel records. This helps the IRS imagine that you have great records for all your expenses.\nQ&A 11: What Are Travel Expenses?\nIn a nutshell, a travel expense is an expense of getting to and from the business destination and an expense of sustaining life while at the business destination. Here are some examples from the IRS:10\nCosts of traveling by airplane, train, bus, or car between your home and your overnight business destination\n- Costs of traveling by ship (subject to the luxury water travel rules and cruise ship rules)\n- Costs of renting a car or taking a taxi, commuter bus, or airport limo from the airport to the hotel and to work destinations, including to restaurants for meals\n- Costs for baggage and shipping of business items needed at your travel destination\n- Costs for lodging and meals (meal costs include tips to waitstaff)\n- Costs for dry cleaning and laundry\n- Costs for telephone, computer, internet, fax, and other communication devices needed for business\nTips to bellmen, maids, skycaps, and others\nQ&A 12: Submitting Travel Expenses to Your Corporation\nWhen you operate your business as a corporation, keep in mind that the corporation is a separate legal entity (person) from you.\nIf you incur travel expenses on behalf of the corporation, you can’t deduct those expenses personally as employee business expenses because such expenses are not deductible for years 2018–2025 thanks to the Tax Cuts and Jobs Act.\nThis means that you need to submit the expenses to the corporation for reimbursement. You want to do this under an “accountable plan.” Essentially, this means you will submit the expenses in a manner that documents the expenses in accordance with the IRS rules.\nOne simple way to do this is to give your corporation your Tax Diary System pages for reimbursement, supported by the appropriate receipts.\nIf you prefer, you can submit an expense report to the corporation that satisfies the IRS requirements for the travel deductions. This means proving where you were and why, along with documenting that the travel record submitted or summarized was kept on a timely basis and that the expense report contains the required receipts.\nFinally, consider using a corporate credit card and properly documenting the expenses. With this method, make sure you settle any cash advances and cash out-of-pocket payments with the corporation on a timely basis, meaning within a\nweek. You can do this with entries in the books of account, reimbursement to/from petty cash, or by check to/from the", "label": "Yes"}
+{"text": "By checking the \"I AGREE\" box, you consent to receive the disclosure immediately below electronically. You may withdraw your consent by unchecking the \"I AGREE\" button before continuing, but understand that doing so means that we will not be able to contact you as described below. To update your contact information or obtain a copy of the disclosure, you may call us at 800-922-8803, or email us at email@example.com. You understand that you need a computer with Internet access and a compatible browser to view, print or save this disclosure.\nQC Financial Services, OH License #SM.501771.000, #SL.400153.000, and #CC700365.000. Licensed by the California Department of Corporations pursuant to the California Deferred Deposit Transaction Law. California loans other than deferred deposit loans are issued pursuant to the California Finance Lenders Law. Texas loans originated by a third party lender, restrictions apply.\nWhile both types of loans provide you with the money you need, the main difference between an installment loan and a Payday Loan is the loan term and fee structure. A payday loan is usually due in full on your next pay date, whereas an installment loan is repaid through a series of scheduled payments that are typically set up to land on your pay dates.\nAll applications are submitted to our lenders for review and possible approval. Not all applications are accepted. Reasons for denial vary by lender and are not in the control of CashOne. Do not contact us for reasons for denial as we are unable to provide these. If approved, ask your lender any questions you may have about your terms and conditions. You are not obligated to accept any loan offered to you. We are not a lender.\nWe adhere to the principles of the federal Fair Debt Collection Practices Act (FDCPA). Because we may report your payment history to one or more credit bureaus, late or non-payment of your loan may negatively impact your credit rating. If you fail to repay your loan in accordance with its terms, we may place your loan with or sell your loan to a third-party collection agency or other company that acquires and/or collects delinquent consumer debt.", "label": "Yes"}
+{"text": "Winter is not too far away now, and this is about the tie when many people start experiencing dry and chapped lips quite often. This is not only a concern for healthy or nice looking lips, but also because cracked and peeling lips are quite painful, which is what happens when chapped lips go untreated. Evolution of Smooth has the perfect solution for the majority of people with their moisturizing and fun lip balm spheres. Their applicator balls sets their product apart not only in looks, but it is also safer and does not leak or melt like many other stick applicators do.\nEvolution of Smooth also provides many different fun flavorsand scents with their lips balms, all of which are made with quality ingredients and contain vitamins and minerals that promote healing, such as Vitamin A and E. They also use high quality ingredients and oils as a staple, such as coconut oil and Shea butter. Not only this but all EOS products are dermatologist tested and hypoallergenic.\nToday, Evolution of Smooth‘s products have gained a massive number of followers from all over, and their lip balms can be found at most retailers around the nation as well as at many online retailers. They provide a variety of lip balms for different purposes, such as their Active Protection Smooth Sphere, which contains SPF protection for those who are active and out in the sun for good potions of the day.\nThey have other Smooth Spheres types for providing the lips with more shine or suppleness as well. In any case, EOS has a balm to meet the needs of nearly anyone. With regular use, EOS lip balms will not only heal chapped lips, but they will prevent it in the future. For more information, check out the website evolutionofsmooth.com and the company’s Linked In page.\nInvesting in real estate can be an ideal way to diversify any portfolio. An investment in real estate can pay dividends and allow the investor to properly prepare for retirement. Purchasing a property in the United States requires a full understanding of the market. The United States real estate market is relatively stable, allowing investors to be part of an overall housing market where demand is fairly high. One way to make this process easier is with the help of a new app. Those who are considering investing in real estate in the United States can use this app to consider whether or not a given investment property is right for their specific needs and their overall fiscal viewpoint. With this app, the investor can tap into the skills and knowledge of the Davos Real Estate Group, allowing them to make more informed real estate investment decisions.\nThe Davos App\nThe new mobile application has been called the “Davos CAP Calculator.” It is seen by many investors as an innovative tool that will help offer any investor access to the kind of information they need as they go through the process of investing. This app has been specially designed by expert investors at the group. The aim of the calculator is to offer specific criteria such as diversification, the potential for improved levels of long-term performance, the possibility of having protection against any inflation that takes into account the kind of rental income that the buyer can expect to see, and the overall needs of the market at any given time. With their help, it is easy to consider why one property might be better than another property.\nDavid Osio Knows Real Estate\nThe head of the Davos Real Estate Group is David Osio. Osio has been involved in the real estate business for many years. During this time, he has been an important part of the real estate industry and a useful asset to his clients. He has also been part of many real estate transactions, allowing him to offer the kind of expert advice that can really make a difference for any investor. With his help, his clients have discovered just how easy it is to use their funds to get the right kind of real estate investment, one that will remain a hedge against any potential possible inflation and allow clients to see their funds really grow.\nOne fund, Hayman Capital Management, is making some large bets. And it is run by Kyle Bass, a recognized investment manager who is credited with correctly predicting the financial crisis in 2008. His hedge fund hasn’t been performing that well recently, and now Bass bets on a major decline in China.\nHayman Capital Management has sold part of its holdings in various equities, bonds, and commodities. This money is now going into leveraged bets against Chinese currency as well as Hong Kong dollar. In fact, 85% of fund’s portfolio is invested into these bets. It’s a quite risky play, but if these bets pay off, the gains can be huge.\nBass believes that Chinese yuan can fall as much as 40% over the next few years. According to him, China is currently facing a huge macroeconomic imbalance. A multi-trillion corporate bond market in the Middle Kingdom is freezing, he claims.\nSo far this year, several issuers have defaulted on their debts, while multiple new debt issues have been suspended or canceled. However, he doesn’t think there will be a massive collapse like that of 2008 in the United States.\nBass believes that Chinese authorities will recapitalize their banks, expand Bank of China’s balance sheet just like the Fed did, and cut reserve requirements as well as drop deposit rates to zero. This should prevent Armageddon, but still is likely to lead to yuan’s depreciation.\nKyle Bass is a controversial figure. In the past, he made headlines with his comments and bets. One of these involved shorting stocks of drug companies and then suing them over patents.\nLadies, does your hair have that stripped or damaged appearance? Does your hair feel brittle and is constantly breaking on the ends? Is your natural hair hard to manage? Well, all these issues can easily be resolved with just 3 words: proper haircare products!\nWEN is a natural haircare product developed by Chaz Dean. As a novice stylist, Chaz was enlisted by a former manager at a well-known Beverly Hills salon to develop a unique deep conditioning formula. With the success of that product, Chaz was later charged to develop a natural haircare product that did not strip your hair of its natural oils, but strengthened and beautified. Wen hair has been tested and shown to work on all hair types.\nWEN hair products have paved the way in haircare by offering a no lather cleansing conditioner. This cleansing conditioner is unique because it replaces the typical process of haircare (shampoo, condition, deep condition, detangle, and finally leave-in conditioner); therefore, eliminating unnecessary time spent on your hair. This cleansing agent follows a simple 3 step process. First, using your fingers you simply message the cleansing conditioner into the hair. Second, you allow the conditioner to set in the hair for several minutes. Third, you simply rinse the hair thoroughly. That’s it, simple and quick. This formula has also been designed to work as a leave-in conditioner.\nIt is important to choose the best haircare products on QVC to manage your haircare needs. These are products that do not leave the hair with a heavy residue or give your hair a greasy appearance. A good conditioner will detangle your hair, help manage frizz, and offer other benefits such as UV protection. When used as instructed, the proper haircare product will save you time and be your best friend in a bottle.\nConnectUs Automated Forms is a new platform recently launched by Securus Technologies of Texas. Securus Technologies caters to some 1.2 million inmates across the US, each of which average about 13.8 complaints and grievances forms a month. Those inmates wrack up quite a few additional forms on a monthly basis, too; which is why for years Securus has been working on a means of consolidating that information into a digital system that can handle the load. ConnectUs has arrived as a result, and represents a customizable set of digital storage and filing which has basically unlimited potential. It has a bevy of applications whose scope is rather wide, and have enough customization undergirding them that they too are essentially infinite. Inmates can file a form and monitor its progress live, if it’s within their rights to do so. Correctional facilities can meter exactly how much use a prisoner may or may not be privy to. Restrictions and allowances are entirely customizable to the client’s wish, as per Securus‘ intention. Nurses at correctional facilities have already shown an ecstatic response to the new software. Especially on the medical side of things, paperwork can get pretty monstrous.\nSecurus Technologies have always had a prime focus on ensuring the most cutting-edge options available be developed to suit the needs of their clients. For a small company (between 500 and 1000 employees, according to LinkedIn), Securus has a national impact that could end up being socially positive in more ways than one. If millions can be saved every year on infrastructural paperwork, that money can be allocated to improved rehabilitation programs which release inmates back into society at statistically lowered rates of recidivism. At least, that’s the hope. Time is the only thing that can really tell on such a score; but with ConnectUs Automated Forms, additional budgetary means will definitely be available to correctional facilities in the days to come.\nWen hair by Chaz Dean is a particular line of hair care products. It is a unique and attractive brand, received wide following and promotion as a whole. Many are the online social media followers, through all known sites such as: Twitter, Instagram, You Tube, Reddit, and even Snap Chat!\nWhat is particularly cool about these products, per say….is the amount of time in which one notices results. It is actually quite quick and easy to realize! All that it really takes is a mere test run of seven days! In seven days, you will see what this particular and unique line of products can do for your hair. Indeed, seven is the magic number here…..and seven will do the trick!\nIt only took seven days for Emily McClure to try out this product’s unique conditioner and notice the immediate changes which it produced in her own hair and scalp. The results were just out of this world, and serve as a solid example to any one out there who may be a bit more skeptical or lacking confidence….in what this line of products can do! Well, here it is: the proof lies in the pudding! And boy oh boy, does it taste yummy!\nBustle.com holds the article written by Emily, her own personal experience and one of a kind transformation. The article may be read in full at: (http://www.bustle.com/articles/136320-i-used-cleansing-cleansing-conditioner-on-my-fine-hair-heres-what-happened). I highly encourage it. You do, after all, have nothing to lose and much to gain from trying out this special product! All it takes is a week and you will see for your self!\nIn this online web site article post, Emily documents her experience day by day….providing photos taken of her hair for each unique day. She also included ‘before’ and ‘after’ photos of using the product for herself. Wen hair products are available on total beauty and sephora cosmetics.\nSeveral years ago, Madison Street Capital was created and today they are one of the top performing financial institutions in the United States. During the fourth quarter of the 2015 season, they increased their profits by twenty-seven percent. The hedge fund was low across the US but Madison Street Capital also showed strength in this area. According to PR.com, the company is gaining respect across the world and are making waves with both the employees and the customers they serve. Their professionals know how to get the job done, which in turn impacts the customers in a positive manner.\nOne of the goals of Madison Street Capital is to focus on their customers. They do this through a variety of services, including advising corporations with mergers and acquisitions, capital restructuring, and bankruptcy. Another aspect would be validation of a business or validation of financial reporting. Their knowledgeable staff also help with financial opinions and asset management. Read more: http://centraljerseyworkingmoms.com/all-you-need-to-know-about-madison-street-capital/\nSome of the customers this boutique bank works alongside include Bond Medial Group, Central Iowa Energy, and Fiber Science, Inc. These are just a few of their customers, which currently include over 100 companies. Majority of these companies are middle market firms. Their goal is to find the perfect match between sellers and buyers. They understand the importance of this for international businesses trying to enter the United States market and are their to help these companies be successful in their transitions. Madison Street Capital’s reputable team are versatile and are read to lead or co-manager many of the transactions that business firms are looking for.\nThe company is a registered broker-dealer and a financial industry regulatory authority. Their senior professionals include business expert Karl D’Cunha, Jay Rodgers, Barry Peterson, and Reginald McGaugh. The company is located in Chicago, Illinois and can be reached at (312)529-7000\nBusinessman and entrepreneur Jim Hunt is known as one of the most accomplished people in the financial industry. He has always found ways to reinvent himself and teach others how to be successful.\nHunt knows the financial industry is constantly changing. He has created something new to help navigate the market and help individuals gain more confidence in the industry. One of the main reasons why people find themselves so intimidated with investing is due to lack of knowledge. Even experts have to learn over time. With Hunt’s new VTA Publications system, all of the guess work is taken out and replaced with real-time data and variables that can be plugged directly into the system.\nHunt’s system puts together investments and education. As long as the right tools are available, people can be taught how and why things work. People learn differently. When concepts are broken down to their most basic level and made relatable, very good things can happen.\nVTA Publications is one of the largest suppliers of long-distance learning and non-fiction publications in the U.K. People all over the world appreciate the services and the wide variety of publications available.\nShaygan Khedapir is the new Coriant CEO. If the name appears ti be very familiar, then it means that you might have heard of the name in 2014 news headlines when he was the Juniper Networks CEO. He served as the CE of Juniper networks for ten months. Before he joined the company, he had been working with Barclays Bank as the technology officer and operations manager.\nLess than a year after exiting from the company, he is now running Coriant and has taken over Pat DiPietro, who is now the vice chairperson of the enterprise. Pat DiPietro returned to his earlier position as a partner at the Marlin Equity Partners. This is a private equity company that put together Coriant by stitching together the splits that were as a result of the breakdown of three major companies including Nokia, Sycamore Networks, and Tellab.\nShaygan Kheradpir is never walking into the business with a blind eye. As a matter of fact, he is walking into the company with his eyes wide open for the sexing of the opportunities that are going to be presented to him in the company. A vendor who has been working closely with Shaygan Kheradpir says that he is going to collaborate closely with the management of the company as well as the workers of the company to bring it to success and innovation.\nThe same vendor also says that the 28 years of industrial experience that Shaygan Kheradpir has are not a waste of time but rather the years that represent the proven track record of his performance in the corporate business and innovative world and leadership. He has a proven record of performance in the several leadership positions that he has served in the years in financial services and technological institutions in the country.\nDiPietro says that they are so lucky and privileged to work with him because he is a world-class leader who is going to uplift the company. He says that his insight and strategic plans for the company areas of outstanding and exceptional and have been valuable for the companies that he has led all through the years of his experience in the corporate world.\nShaygan has been a CEO in numerous institutions one of them being the Juniper networks. He has also served as a technological leader and operations manager in Barclays Bank where he helped the bank in mobile banking innovation that was its future.\nDavid Osio is a financial expert based out of Fort Lauderdale and Miami, Florida. He attended and earned a law degree from the Andres Bello Catholic University in Venezuela. He also attended New York Financial Institute and Instituto de Studios Superiors Administrativos. David Osio’s specialities include banking, tax planning, asset management, and providing support with business portfolio structuring.\nOsio is the founder of and currently serves as the Chief Executive Officer of Davos Financial Group, a company that he founded in 1993 after experiencing much success in banking law and financial advising with other companies and firms. The company is located in the Coconut Grove area of Miami, Florida. This Financial Group is comprised of various independent financial companies that provide both financial and real estate services. The company is active on various social media websites, including Twitter, LinkedIn, and Facebook. The company’s business strategy and risk management focuses on risk assessment, consolidation, and diversification. Davos Financial Group has offices across the globe including locations in Miami, Florida, Geneva, Panama, and New York City, New York. Before founding Davos Financial Group Osio served as the Vice President of Commercial Banking for Banco Latino International. He also worked for Swiss Bank Corporation and the Financial Institute of New York.\nOhio is devoted to providing the most up to date financial support to his clients. Most recently David Osio launched a new mobile application called the Davos CAP Calculator. The purpose of this application is to provide clients with an estimate of their return on real estate investments. Davos Real Estate Group teamed up with Tecknolution to design this mobile application. The application is available for use on both Android and Apple devices. Feature of the application include providing historical real estate reports of various properties.\nAlthough David Osio is devoted to maintaining his successful career within the financial industry, he also enjoys spending time devoted towards various social and artistic causes within his communities. He has provided support to Venezuela’s Children Orthopedic Hospital, the Miami Symphony Orchestra, the Wayuu Taya Foundation, the Saludarte Foundation, UMA Foundation, EPK, and the UMA Foundation.", "label": "Yes"}
+{"text": "Nursing homes have 210,000 fewer workers than before the pandemic, bringing workforce levels to the lowest they have been since 1994, according to a trade group representing nursing homes.\nThe long-term care jobs report, released last week by the American Health Care Association and National Center for Assisted Living, outlines the sector’s dire staffing conditions.\nWhile nursing homes have filled a monthly average of 3,700 jobs over the last nine months, at that rate it would take nursing homes until 2027 to return to pre-pandemic staffing levels, the AHCA/NCAL found.\nA lack of outside funding and prioritization from federal and state public health officials has made it challenging for nursing homes to address staffing shortages and closures, as many do not have the funds to hire staff or use updated technology to streamline operations, the organization said in a statement.\n“We need long-term investments and programs from policymakers to attract individuals to serve our nation’s seniors,” the AHCA said. “The financial reality is that nursing homes are on a fixed government budget, and for decades, Medicaid has failed to adequately fund the actual cost of care for our nation’s most vulnerable.”\nMedicaid covers services for 62% of long-term care residents, amounting to $50.8 billion in revenue for nursing homes, according to a Kaiser Health News report.\nThe trade group’s report comes as the Biden administration takes steps to address the quality of nursing homes by improving accountability and staffing efforts. Over the past year President Joe Biden has proposed a number of policies to address nursing home quality and safety, including a plan to set minimum staffing requirements. The plan was opposed by some in the industry, including the AHCA, for its expected cost.\nTo increase staffing minimums to the recommended ratio of 4.1 hours of nursing care per resident per day, nursing homes will require around $11.3 billion in additional funding annually, according to a report by accounting and consulting firm CliftonLarsonAllen.\nLast week, the Biden administration, along with the Department of Health and Human Services and the Centers for Medicare and Medicaid Services, announced actions to make nursing home citations more visible to families and reduce the use of antipsychotic medications.\nTrade groups estimate the cost of the changes will be too great for nursing homes to bear. As a result, the industry has looked to Congress for funding.\nSince March 2021, the AHCA has been advocating for Congress to consider the policy proposals in its reform agenda, the Care For Our Seniors Act, and incorporate them into relevant legislation. The proposals include workforce improvements and offering loan forgiveness, tax credits, affordable housing, child care assistance and immigration reform to long-term care professionals.\nThe AHCA and LeadingAge, a system of nonprofit aging services providers, have suggested increasing Medicaid reimbursement rates to equal the cost of care, using additional federal funds to pay for nursing facility rates and establishing federal guidelines for reasonable cost definitions.\nEven though most nursing home providers have increased wages and offered bonuses to recruit and retain staff, 96% still have trouble filling positions, according to a June 2022 AHCA survey. Around 78% have hired temporary agency staff to adjust for shortages.\nThe average nursing home employee turnover rate is 53.3% within a year, according to a 2022 study by the Long Term Care Community Coalition, a New-York based nonprofit organization focused on quality care.\nThe exodus of staff meant that only 26.8% of nursing homes met the essential total care staff threshold of 4.1 hours per resident day in 2022, the coalition found.", "label": "Yes"}
+{"text": "This is a community-generated profile. If you would like to claim it, please log in or sign up.\nMorgan Stanley is an investment bank and a financial services company.\nMorgan Stanley hasn't added any jobs yet\nGet notified when Morgan Stanley posts new jobs.\nLatest Stories and News\nThe vast majority of Apple stores closed due to the Covid-19 pandemic are located in the U.S., Morgan Stanley says\n- 4 months ago\n- There were 100 Apple retail stores that were closed around the world at the end of last week, and 92 were located in the United States, according to Morgan Stanley analysis.\n- Apple says it is monitoring Covid-19 conditions community by community out of an “abundance of caution,” and has reclosed more than 77 stores in the United States in recent weeks.\n- Apple stores are often in major malls or business districts, making it a key indicator of how smoothly and where retail operations can restart amid the coronavirus pandemic", "label": "Yes"}
+{"text": "The USDA on Friday, March 29th, released a funding notice for the Rural Energy for America Program (REAP) for 2013. While the funding levels have diminished, the funding this year will help hundreds of renewable energy and energy efficiency projects around the country reach fruition.\nREAP supports a broad range of renewable energy and energy efficiency technologies. With REAP farm energy includes energy efficiency, wind power, solar, hydroelectric and bioenergy of many sorts.\nIt’s important to note that the deadline for grants for feasibility study or project construction is April 30. This is a very tight turnaround – the shortest in the history of the REAP program. However, the timeline for loan guarantees is generous – a deadline of July 15, 2013.\nCompetition will be strong as overall funding available is now only $20.8 million. The USDA hopes to allocate one half each for grants and loan guarantees. If the USDA succeeds in using $10.4 million in funding for loan guarantees, the risk-adjusted level of loan guarantees would be $43.4 million.\nThe USDA has set aside $4.1 million to fund grants of $20,000 or less. This reflects the emphasis placed by Congress on small projects in the 2008 Farm Bill.\nFeasibility study funding has been capped at $250,000 nationwide. The USDA provides no reason for this cap.\nInterested parties should contact their state USDA Rural Development Energy Coordinator\n. You can download the official funding notice here", "label": "Yes"}
+{"text": "Italian pig iron demand has flatlined, with no transactions reported over the past two weeks. May values will inevitably fall as offers from Russian companies allowed to sell in the EU are declining by some $15/tonne on average compared to mid-April, as expected.\nBuyers are in wait-and-see mode, convinced that contracts will decline in line with falling scrap prices in Europe and Turkey, Kallanish hears. Russian sellers are offering pig iron to distributors at $46…\nThis article contains premium data.\nIt is only available for active subscribers and clients currently\non trial. To continue reading, see the options below.", "label": "Yes"}
+{"text": "One of the Fortune 500 company's biggest purchases comes as hospitals are under pressure to implement better in-house safety programs.» Read More\nNEW YORK-- Mayor Michael Bloomberg will spend at least $10 million of his personal fortune promoting moderate candidates around the country in the final weeks before Election Day, he announced Wednesday, adding himself to the list of wealthy Americans pouring millions of dollars into the 2012 election.\nLOS ANGELES-- The Beverly Hilton's International Ballroom will soon be filled with flowers, chiffon, fine china and crystal stemware for a starry black-tie ball costing couples as much as $20,000 to attend.\nCHICAGO-- As Chicago struggles to quell gang violence that has contributed to a jump in homicides, a top elected official wants to tax the sale of every bullet and firearm _ an effort even she acknowledges could spark a legal challenge.\nShares of Abbott Laboratories continued to slip Thursday in premarket trading, a day after the drug and medical device maker reported third-quarter results and delivered an update on its upcoming business split.\nFifth Third's net income available to common shareholders fell to $354 million, or 38 cents per share, from $373 million, or 40 cents per share, a year earlier.\nPARIS-- The burglars dashed out the back door with seven masterworks, then sped on screeching tires into the night. If the thieves who robbed Rotterdam's Kunsthal exhibition this week don't have a plan, the stolen art could quickly become a burden.\nCHICAGO-- Grains futures rose Wednesday on the Chicago Board of Trade. Wheat for December delivery gained 8.5 cents to $8.5625 per bushel; December corn rose 7.25 cents to $7.455 per bushel; December oats increased 3.25 cents to $3.9575 per bushel and November soybeans gained 15.5 cents to $15.0925 per bushel.\nWASHINGTON-- Drug and medical device maker Abbott Laboratories reported a higher third-quarter profit Wednesday, edging past analyst expectations, even as revenue slipped. Spokeswoman Adelle Infante said that the layoffs were in Abbott's nutrition, medical devices, established pharmaceuticals and molecular diagnostics divisions.\nNEW YORK-- McDonald's Corp. reports its third-quarter results Friday, which should give a glimpse of how the world's biggest hamburger chain is coping with intensifying competition and the challenging global economy. WHAT TO WATCH FOR: After outperforming its rivals for years, some analyst think McDonald's may be entering a period of slower growth.\nHome theaters and wine cellars have trickled down to the masses. What follows are truly exceptional features that you won’t see in just any mansion!\nCHICAGO-- Grain prices rose Wednesday in early trading on the Chicago Board of Trade. Wheat for December delivery rose 3.25 cents to $8.51 per bushel; December corn gained 0.75 cent to $7.39 per bushel; December oats were unchanged at $3.9225 per bushel and November soybeans increased 4.25 cents to $14.98 per bushel.\nDOWNERS GROVE, Ill.-- Dover Corp.' s third-quarter net income rose 40 percent, helped by acquisitions and by the absence of a big loss tied to discontinued operations from a year ago. Dover earned $241 million, or $1.31 per share, in the quarter ended Sept. 30, compared with $172.3 million, or 91 cents per share, a year earlier.\nLISLE, Ill.-- Heavy truck and engine company Navistar International Corp. said Wednesday that it named John Pope to its board. Pope's appointment and Harrison's retirement are effective immediately, keeping the total number of Navistar board members at 10, Navistar said.\nJACKSON, Miss.-- A federal appeals court has upheld the more than 14- year sentence George Coe Jr. received for his role in a telemarketing scam case in Mississippi. Prosecutors said the scam netted tens of thousands of dollars from victims in California, Illinois, Kansas, Maryland, Michigan, Mississippi, New Hampshire and Vermont.\nWASHINGTON-- Drug and medical device maker Abbott Laboratories reported higher third-quarter profit Wednesday, edging past analyst expectations, even as revenue slipped. Net income for the three months through Sept. 30 jumped to $1.9 billion, or $1.21 per share, from $303 million, or 19 cents per share, a year ago.\nBELLEVILLE, Ill.-- The families of a three babies sickened by a rare bacterial infection, including a 10- day-old Missouri infant who died, filed a lawsuit Tuesday against the Illinois- based manufacturer of a powdered baby formula that they believe is responsible.\nCHICAGO-- A for-profit nursing home company owned by a politically connected Chicago businessman is a partner in a project Illinois Gov. Pat Quinn announced Tuesday that aims to control health spending for high-cost Medicaid recipients.\nCHICAGO-- Northern Trust Corp. said Wednesday that its third-quarter net income rose 5 percent due to higher fees from clients for managing their money. The wealth management firm, which is based in Chicago, earned $178.8 million, or 73 cents per share, in the three months through Sept. 30, up from $170.4 million, or 70 cents per share, in the same quarter last year.\nCHICAGO-- Houston, San Francisco and South Florida are bidding for the 2016 and 2017 Super Bowls. NFL owners will vote next May between San Francisco _ the 49 ers are building a new stadium in Santa Clara, Calif., _ and South Florida for the 50th Super Bowl in 2016. The loser of that race will then compete with Houston for hosting the 2017 game.\nCHICAGO-- The NFL is doubling down on London. The league announced Tuesday that the Minnesota Vikings will host the Pittsburgh Steelers at London's Wembley Stadium on Sept. 29, 2013. This is the first time the NFL will play two regular-season games in London in the same season.", "label": "Yes"}
+{"text": "Unitika Ltd operates within the Fabricated textile products sector.\nIn addition to historical fundamental analyses, the complete report available to purchase compares Unitika Ltd with three other\nmiscellaneous apparel manufacturers in Asia:\nKomatsu Matere Co Ltd\nsales of 36.53 billion Japanese Yen [US$339.68 million]\nFilatex India Limited\n(27.82 billion Indian Rupees [US$368.62 million]\nNitto Seimo Co., Ltd.\n(18.35 billion Japanese Yen [US$170.63 million]\nDuring the year ended March of 2020, sales at\nUnitika Ltd were ¥119.54 billion (US$1.11 billion).\ndecrease of 7.4%\nversus 2019, when the company's sales were ¥129.10 billion.\nContributing to the drop in overall sales was the 91.1% decline\nin Other, from ¥1.53 billion to ¥137.00 million.\nThere were also decreases in sales in\nPolymer Business (down 9.0% to ¥56.41 billion)\nFiber Business (down 5.6% to ¥49.89 billion)\nHowever, these declines were partially offset by the increase in sales of\nFunctional Materials Business (up 2.8% to ¥13.09 billion)", "label": "Yes"}
+{"text": "Docusign is cloud-based eSignature software with the most accurate and secure way to sign and send documents for business, legal, and medical use. Docusign is also used as a powerful workflow tool for eContracts, and e-invoicing.\nXero is a cloud-based accounting software platform for businesses from all sizes. It connects businesses with their bank, accounting tools, their accountant, payment services and third-party apps, so everything is securely available at any time, on any device.Xero Integrations\nIt's easy to connect DocuSign + Xero without coding knowledge. Start creating your own business flow.\nTrigger when a status of the envelope changed.\nTriggered when you add a new bill. (Accounts Payable)\nTriggered when you add a new contact.\nTriggered when you receive a new payment.\nTriggered when a new quote is created.\nTriggered when you add a new sales invoice. (Accounts Receivable)\nCreate Signature Request\nTransfers money between two bank accounts.\nCreates a new bill (Accounts Payable).\nCreates a new credit note for a contact.\nCreates a new quote draft.\nApplies a payment to an invoice.\nCreates a new purchase order for a contact.\nCreates a new sales invoice (Accounts Receivable).\nCreates a new contact or updates a contact if a contact already exists.\nCreates a new item or updates a item if a product already exists.\nThis report will look at how DocuSign, a cloud-based e-signature provider, and Xero, a cloud-based small business management software and accounting service provider, are partners. How DocuSign and Xero integrate with each other by communicating with each other’s API.\nDocuSign is an e-signature provider for businesses. It helps businesses digitize documents and signatures in order to save time and money, and improve efficiency. DocuSign has over 10 million users, over 3 million registered users, and over 6 million documents signed per week. There are over 100 million signed contracts on the DocuSign system as of January 2017.\nXero is a cloud-based small business management software and accounting service provider. It can be used to manage financial records, payrpl, inventory and sales tax. The company was founded in 2006 and is headquartered in Wellington, New Zealand. Xero’s CEO is Rod Drury.\nXero has over 5 million customers using its software in over 180 countries around the world. It’s used by small businesses such as law firms, accountants, financial advisors and bookkeepers, as well as freelancers working with invoicing and bookkeeping. In December 2016, Xero announced that it had added support for Quicken Online. This allowed integration between Quicken Online and Xero.\nIn January 2017, it was announced that Xero and DocuSign were partnering up to make business processes easier by connecting the two companies’ APIs. This would allow the companies’ users to sign a document from DocuSign, send it to Xero for automatic processing and then make sure the document is saved in their Xero systems. It’ll also make sure that all of the signatures are counted in Xero’s signature analytics report.\nXero has been working together with the company DocuSign to allow the two systems to communicate with each other. This will allow their users to use DocuSign to digitally sign documents online and send them to Xero for automated processing and archiving in the cloud.\nThe process to integrate DocuSign and Xero may seem complicated and intimidating. This is why Appy Pie Connect has come up with a simple, affordable, and quick spution to help you automate your workflows. Click on the button below to begin.", "label": "Yes"}
+{"text": "You’ve taken down the decorations and carefully packed them away for another year. Christmas is finally over and life can go back to usual. Of course, there’s that ten extra pounds you put on, the debt you racked up buying those must-have gadgets for the kids, and all those fruitcakes from the neighbors.\nFrom weight loss to after-Christmas sales, we’ve got you covered so you won’t have to experience a post-Christmas meltdown this year.\nTwo of the most common resolutions people make: save money and lose weight. The trick to keeping resolutions is to make sure they’re practical and realistic. Otherwise you’ll be quickly discouraged, and that way leads to spending money and eating more voraciously than before. We’re going to take things slow and remember that things don’t happen magically overnight.\nEven if it’s not a resolution, everyone wants to save money. It’s natural to feel compelled to buy everything your family wants for Christmas, but that leaves many of us looking at empty bank accounts at the start of the year.\nBefore you overspend on last-minute Christmas gifts this year, try putting away a realistic amount each month. In other words, start saving now. Think about creating a gift budget that is reasonable, and make sure you stick to it so you‘re ready with the funds to enjoy the holiday season. In addition, check out online events with Walmart coupon codes all throughout the year. You’ll save money, as well as time and effort.\nHave you been saying that all winter? It’s easy to get into the holiday spirit when you’re making gingerbread houses and baking cookies, but pretty soon it can all add up … on your thighs.\nIf your diet has been more cookies than cantaloupe lately, use these tips to baby-step toward your bigger goals:\nNext to Uncle Ed finally vacating your pullout couch, shopping After Christmas sales is one of the best things about ending the holidays.\nFind steep discounts on everything from Christmas decorations to overstocked gifts. If the kids need new coats or you need to restock your wardrobe, now’s the time to strike, with JCPenney coupon codes and other savings.\nBy pre-planning and taking advantage of all the online sales throughout the year, you’ll set yourself up for a nearly-stress-free Christmas next time around.", "label": "Yes"}
+{"text": "Treehouse Capital, LLC is a personal investment vehicle founded by Rob Majteles in 2000. Treehouse is a macro focused, contrarian, investment firm seeking asymmetric returns and willing to be wrong and alone while pursuing them.\nTreehouse began by leveraging Mr. Majteles’s broad operating and board experience with technology companies to build a portfolio focused on investments in private and public technology companies and in investment funds, both venture capital and hedge funds. In recent years, Treehouse has focused increasingly on an array of broader public market investing activities.\nMr. Majteles has extensive experience serving on, and chairing, public and private company boards and also serving as a fund advisor and investment committee member. Prior to launching Treehouse, Mr. Majteles was the chief executive officer of three technology companies, succeeding twice in generating superior investment returns for his shareholders and failing once.\nMr. Majteles has also been an investment banker and a mergers & acquisitions attorney. Mr. Majteles received a law degree from Stanford University in 1989 and a Bachelor of Arts degree from Columbia University in 1986. Rob, who is also a cancer survivor, and his wife, Pamela, have three children and live in Oakland, California.", "label": "Yes"}
+{"text": "Although there are many websites that provide do-it-yourself legal services, creating a Will without the legal advice of an experienced solicitor can lead to serious problems in the long run. Depending on your financial and family situation, there are many scenarios you may not even think of that can affect the way your estate is distributed. Solicitors who handle Wills can give you a fresh perspective on maximising assets for your beneficiaries, choosing an executor, and including specifics about items you wish to pass on to certain people. If you are excluding a close family member from your Will, your Solicitor can ensure that this is properly documented so there is no confusion later.\nSolicitors who specialise in Wills can also help you write other important estate planning documents such as trusts, powers of attorney and advance health care directives, all of which help to ensure your assets, finances, health care, and end-of-life decisions are carried-out according to your wishes. Trusts can be a valuable estate planning tool that may keep some assets from going through probate, and reduce your beneficiaries’ tax liability, protect them from your creditors and help them avoid other complicated issues.", "label": "Yes"}
+{"text": "As the expected U. S. military attack on Syria was delayed further by president Obama who said he would as congress for green light, bargain hunters enter the Dubai bourse and sent the market index 3.02% higher to 2,599.35 points on Sunday. Arabtec as the most liquid share gained 6.60% to hit Dhs2.43. Emaar Properties closed 1.74% higher at Dhs5.85. Emaar rival Deyaar surged 12.50% to close at Dhs0.54. Kuwait-based investment firm Almadina was the only security that lost value, ending off 2.38% at Dhs0.614. Some 880m shares were traded, valued at Dhs904m.", "label": "Yes"}
+{"text": "This important African American business institution in Memphis was founded in 1906 by Robert R. Church Sr., who had become the wealthiest African American in Tennessee through real estate and other interests. The bank was located on Beale Street across from Church Park and Auditorium. Originally stock could be purchased for ten dollars a share, and the minimum deposit was one dollar. By 1921 the bank boasted that it was the largest bank in the world owned and operated by blacks, with resources over one million dollars.\nChurch and his son Robert R. Church Jr. served as successive presidents; other early officers included Bert Roddy as cashier, as well as undertaker T. H. Hayes, J. W. Sanford, and attorney J. T. Settle. Directors included the Reverend Thomas O. Fuller of Howe Institute and First Baptist Church, Lauderdale; Bishop N. C. Cleaves of the CME Church; Dr. R. G. Martin, owner of the Memphis Red Sox; and other leaders of the black community. When the neighboring Beale Street Baptist Church faced foreclosure in 1908, the Solvent paid the notes and saved the church.\nAfter the failure of several borrowers in the early 1920s, the bank merged with the Fraternal Savings Bank and Trust in 1927, but its position was perilous. Robert R. Church Jr., who had resigned from active connection with the bank in 1912, deposited fifty thousand dollars to stem the panic. State bank examiners found a shortage of at least five hundred thousand dollars in 1928, and bank president Alfred F. Ward was jailed. Black reaction ranged from shock to scorn. The failure of the Solvent Savings Bank predated by a year the crash of 1929, which shocked the entire financial system of the United States.", "label": "Yes"}
+{"text": "Prairie Financial Group operates as a service provider. We offer a variety of options, so you get a retirement savings solution customized to your needs. Because of our open architecture, we can offer access to any fund family. We mitigate your liability by acting as a 3(21) and 3(38) fiduciary for your retirement plan.\nOur team will work with you to set up or maintain retirement plans, including 401k plans. We go beyond simply recordkeeping. We also provide additional investment management , financial planning and support services you and your employees need to get the most out of your plan.\nPlan on support.\nWe offer comprehensive services to our business customers and their employees, including:\n- Plan design and document creation.\n- Investment design.\n- Recordkeeping, including reporting, testing, and compliance services.\n- Distribution and tax services.\n- Employee education services including individual and group meetings.\n- Direct investment advice, not just “guidance.”\nPrairie Financial Group believes in being a resource for our clients. We encourage plan participants to call us directly with questions about their retirement savings plan. We are happy to discuss their plan, as well as their financial goals and a personal action plan.\nRequest an analysis of a new or existing plan. Connect with Prairie Financial Group.\nCall (262) 522-7400 or Toll-Free (855) 591-2950 or email PrairieFinancialGroup@waukeshabank.com", "label": "Yes"}
+{"text": "Otherwise known as the Government Service Insurance Act of 1997 which amended the 20-year old revised charter of the GSIS, known as Presidential Decree No. 1146.\nInstituted reforms to increase coverage and expand benefits given by the GSIS to all government employees.\nFurther amended the Employee’s Compensation Program and State Insurance Fund of the Labor Code of the Philippines and upgraded the benefits structure for all covered employees.\nRevised the Philippine Medical Care Act to provide total medical services to the people of the Philippines through a comprehensive and coordinated medical care plan.\nAmended the Book Four of the Labor Code of the Philippines, in particular, defined the coverage of the Employee’s Compensation Program.\nExpanded, increased and integrated the social security and insurance benefits of all government employees.\nAmended the Presidential Decree No. 442 or the Labor Code of the Philippines to effect adjustments needed to coordinate grant of social security benefits.\nAlso known as the Portability Law which allows the addition of all creditable services or periods of contributions made continuously or in the aggregate of a worker under either the GSIS or SSS for eligibility and computation of benefits.\nEstablished the Philippine Medical Care Plan and created the Philippine Medical Care Commission.\nAmended again Commonwealth Act No. 186 to further define life insurance, retirement insurance, compulsory membership and rates of premium contributions.\nAmended Commonwealth Act No. 186 to provide immediate life insurance coverage and compulsory membership as well as increase additional life insurance coverage to all government employees.\nA retirement option of the GSIS popularly known as “The Take All” Option.\nA retirement option of the GSIS which is also known as the “Magic 87”.\nThe GSIS is created as a social insurance fund for all employees of the Philippine government.\nYou must be logged in to post a comment.", "label": "Yes"}
+{"text": "Intesa Sanpaolo (BIT:ISP) has been given a €2.15 ($2.50) price target by analysts at UBS Group in a report released on Friday, Borsen Zeitung reports. The firm presently has a “neutral” rating on the stock.\nA number of other research firms have also recently commented on ISP. Berenberg Bank set a €1.85 ($2.15) price objective on Intesa Sanpaolo and gave the stock a “sell” rating in a research report on Thursday, May 2nd. Morgan Stanley set a €2.20 ($2.56) price objective on Intesa Sanpaolo and gave the stock a “neutral” rating in a research report on Friday, July 26th. Credit Suisse Group set a €1.80 ($2.09) price objective on Intesa Sanpaolo and gave the stock a “sell” rating in a research report on Thursday. Goldman Sachs Group set a €2.00 ($2.33) price target on Intesa Sanpaolo and gave the stock a “sell” rating in a research note on Wednesday, July 24th. Finally, Deutsche Bank set a €2.70 ($3.14) price target on Intesa Sanpaolo and gave the stock a “buy” rating in a research note on Monday, July 22nd. Four research analysts have rated the stock with a sell rating, five have issued a hold rating and four have given a buy rating to the company’s stock. Intesa Sanpaolo presently has a consensus rating of “Hold” and an average price target of €2.25 ($2.61).\nIntesa Sanpaolo has a 52-week low of €2.39 ($2.78) and a 52-week high of €3.23 ($3.76).\nIntesa Sanpaolo S.p.A. provides various banking products and services. It operates through Banca dei Territori, Corporate and Investment Banking, International Subsidiary Banks, Asset Management, Private Banking, and Insurance segments. The company offers lending and deposit products; corporate, investment banking, and public finance services; industrial credit, factoring, and leasing services; asset management solutions; life and non-life insurance products; and bancassurance and pension fund, and fiduciary services.\nRead More: What is a blue-chip stock?\nReceive News & Ratings for Intesa Sanpaolo Daily - Enter your email address below to receive a concise daily summary of the latest news and analysts' ratings for Intesa Sanpaolo and related companies with MarketBeat.com's FREE daily email newsletter.", "label": "Yes"}
+{"text": "The German government is investigating allegations of years of price fixing on the market of potatoes and onions. The Bundeskartellamt has already performed a house search at nine businesses, while five other companies are also under investigation. Damages for consumers could surpass a billion euro.\nFraud damaging farmers and consumers?\nThe government service suspects that a central person called several suppliers of onions and potatoes when making big orders for supermarkets, to agree upon a price, from which only slight deviations were possible. In 80 to 90 percent of the time the system is said to have worked. According to German press releases retailers could multiply their profits tenfold.\nAccording to newspaper Süddeutschen Zeitung companies could have earned up to 100 million euro extra in ten years from working this way. Competitor Bild Zeitung mentions fraud worth a billion dollar over ten years’ time. The practice was not limited to onions and potatoes ready for consumption, but was also used for seed potatoes. This way also farmers got lifted.\nThere are however also some observers who have doubts: the prices for potatoes in German stores are situated in the lower or the middle parts of the European spectrum. Consuming 60 kg per person each year, Germans are quite the potato eaters.", "label": "Yes"}
+{"text": "On today’s episode of the Serial Startups Podcast, we are talking all about debt. Debt is very prevelent in our society, and our guess is that you have some sort of debt. If you do, don’t be ashamed or discouraged. In our early twenties, we went from having no debt to over $200,000 in debt in a few short years.\nIn this show, we walk through a timeline of how we got into debt (and some lessons that we learned) as well as how we ended up paying off over $100,000 of that debt.\nEpisode Key Points\n- How we got into over $200,000 worth of debt by 23\n- The difference between good debt and bad debt\n- How buying a house and quickly escalate your debt\n- A tip to avoid salesmen selling you things you don’t need\n- The strategies that we used to pay off $100,000+ in debt\n- How going into more debt allowed us to pay off debt faster\n- Why we recommend having more taxes taken out of your paycheck\n- A free tool that can help understand and manage your finances\nLinks and Resources Mentioned in the Episode\n- Serial Startups Podcast Show 2 – Why We Love Multiple Streams of Income\n- Rich Dad Poor Dad by Robert Kiyosaki\n- Getting Into Debt Young and How to Work Your Way Out\n- What $15,000 in Real Estate Training Looks Like\n- Mark and Lauren G Podcast – The Simpler Happier Life\n- Should You Pay Off Debt or Start a Business?\n- The Total Money Makeover by Dave Ramsey\n- Sylvester Enterprises\n- Warsaw Wine and Spirits\nPrefer to read the transcript instead? Click the plus icon --->\nSerial Startup Podcast Show 3 Transcript\nTom: This is the Serial Startups Podcast Show 3. In this episode, we’re going to discuss how we got into over $200,000 worth of debt by the time we were 21 and how we’ve been able to pay off a significant portion of this. Alright, so welcome back to the show. This is our third show and this one, regardless of whether you’re going to start up a business or not, we wanted to talk about debt just because it impacts everyone. There’s personal debt that people get into. There’s obviously debt related to business but it seems like debt is such a huge part of our society and it causes a lot of challenges for people. You know, we’re going to go into our timeline, how we got into debt, and how that impacted us, but I mean off-hand, Ariana what are some of the challenges that we’ve had as a result of having debt at a young age?\nAriana: I mean it’s a huge challenge for a lot of people just in your relationship alone. I mean most people, they say that the number one thing that people fight about is money and if you’re fighting about money all the time, that’s going to impact your relationship and it’s going to impact a lot of the choices that you make and decisions that you as a couple have to make.\nTom: Yeah, you know there are some bloggers that we talked about that have a podcast too, Marc and Lauren Groupman and we’ll link to their show in the show notes at serialstartups.co/show3 and one of the things that they said in one of their podcasts was debt doesn’t just cost you money in terms of interest, but it also costs you time and experiences. And I loved when they said that because it really does. Because if you have debt, you’re going to have to make decisions based on that. So that might be taking another job or working longer hours which means you’re going to miss out on life experiences with your partner, with your family, or with others.\nAriana: Your friends.\nTom: Yeah, this is a topic that’s near and dear to our heart because we’ve spent a long time, many years getting into debt and also figuring out what strategies work and don’t work for getting out of debt.\nAriana: Yeah, and I mean, everyone starts with zero debt after high school or maybe not after high school I guess depending on your situation. Some people might start before that. But basically, everyone starts with no debt at some point. And then because of society and the way that things are, we have to…we might have to take a credit card out for this or you know, everyone says you need a credit card because you have to start getting your credit up so you can have a good credit score so you can buy a house and buy a car but all that comes back to is you have to start putting yourself in debt.\nTom: Yeah and in show 2 we talked a little bit about why people should have multiple income streams but in that show, we also talked about how money flows. And what gets most people into debt is having that mentality of your job makes you money and then that money pays for your expenses and your liabilities and that’s it. So out of this show today, what we’re hoping to do for you guys is really pull back the curtains and show you what did that look like for us because we got into debt pretty much by accident.\nTom: Some of because of we thought we were supposed to do it that way, some of mistakes that we made, so we want to show you really what it looks like to get into debt and how easy it can happen, and then just share some of the strategies and experiences we had of getting out of it and this may be relevant to you or it may actually be relevant to your children as they get into college and as they are starting out their careers or looking at what they’re going to do beyond high school, how do they do it the right way and how do they maybe minimize some of the debt they get into?\nAriana: So to bring this back, we’re going to reference a blog that we wrote back, oh gosh I don’t know when it was, but it’s getting into debt young and how to work your way out and we went through and made an actual timeline of all of the things that put us into debt. So I’ll start that out with our first debt would be student loans which is a pretty big one for everyone these days. I know Tom had to take out student loans to go to college.\nAriana: I also had to take out student loans and I didn’t get a lot of financial aid with mine because it goes based off of the income of your parents or guardians. So my parents made too much for me to even get any financial aid so I had to take student loans out and then because I was away at school and they wanted me to be able to live independently, we actually maxed out my student loans and took out the most that we could so that I had money for gas, and money for rent when I moved out off campus and lived in a house, money for food, and then I didn’t get a job in my field and even if I had, I wouldn’t have made enough money to start paying off that debt because it was just an exuberant amount that I didn’t necessarily need.\nTom: Yeah and I think that’s a key point is, Ariana and I have had a lot of conversations about this. Your next step after high school may or may not have to be college. If you’re listening to this podcast, you’re probably interested in starting a business.\nTom: So whether it’s you or whether it’s a friend you know or maybe it’s even your children, but there are alternate paths out there and even if you end up going to college, I mean we think college is great. We both went. I ended up going…\nAriana: Great experiences and it’s a definite important life experience.\nTom: Yeah I even went back and got my masters. But the key is being intentional with why you’re going to college and understanding how much money it’s going to cost and how much is going to come back.\nAriana: I mean an example for me, I definitely would have gone to college, but did I need a four year degree in Zoology? No. I could have gone and got my associate’s degree, taken some business class, learned how to use Microsoft Word and Excel and just different things that you would need out of in the business world and I would have been perfectly fine with just those.\nTom: But why did you do that? Because people told you to follow your passion right?\nAriana: Because you get out of high school and you’re supposed to go on to college and they tell you to find something that you like doing and that’s what your major should be because you should work and do something you like. And that’s not practical.\nTom: Well it’s good advice but we’ve got to look at how much is it going to cost us to do that and then how much we’re going to make afterwards. Because if the numbers make sense and you can follow your passion, awesome. But if you’re going to spend all this money on a degree that you’re never going to use, you may want to take a step back and look at something you can actually use.\nAriana: And next on the timeline, still in college, we both took out credit cards. Tom’s reason was a little less necessary than mine. He got a credit card because it came with a free Bill’s t-shirt.\nTom: Wait. When you’re in college and you can get a free Buffalo Bill’s t-shirt to show off your team that hasn’t made the playoffs in ten years, I mean that seems like a fantastic reason to get a credit card.\nAriana: And mine, I had a vehicle that I brought to school with me, and at one point it needed some…I think it needed an inspection and of course I went and they totally upsold me into your car needs all this done and you know, you can’t drive it without this and I, being a naïve college student, totally bought into that and got a credit card because I had $800 worth of repairs that I quote on quote needed for my vehicle.\nAriana: So bam. We both had credit cards.\nTom: After college we got an apartment and then if you listened to the first podcast, we actually went and bought a house a year after that. And you know a lot of people say, this goes back to whole rich dad, poor dad mentality. A lot of people say your house is an asset but in reality, buying a house is going to cost you money, not only upfront so you’ve got closing costs and you can put your down payment in, but then to pay your monthly mortgage payment, your insurance, your taxes every month, and then all the hidden costs of maintenance, buying a lawn mower, buying all these other things that come along with actually owning a house.\nAriana: And we actually have dates on this timeline. That was March 2007 and kind of an important part of the timeline was December 2006 he proposed.\nTom: So just going with the theme, I mean we both forgot our anniversary, so we’re doing good with this whole relationship thing.\nAriana: And that was definitely not even part of the plan, we did have a five year plan in college that everyone picked on us for but the plan was to graduate, get an apartment together, and then get married because going with the financials, we knew we would have to have time but he couldn’t wait so he proposed in December 2006 and then we got the house. Because you know when you get a house, you have to go and get a dog. And I worked at our local animal shelter on Lollipop Farm so on May 2007, a couple months after we got the house, we got a dog.\nTom: And then I had been driving a car I bought in college and it was falling apart so I had to buy a new car. It was actually a used car but it was still another expense.\nAriana: Yeah had to get a bank loan.\nTom: Had to get a car loan for that. That was shortly after we moved into the house in June 2007.\nAriana: July 2007 we did the naïve first home owners thing and fell for a couple of those home improvement sales that come knocking around the neighborhood. We bought brand new windows for our house because they scared us into the whole energy saver, and you need new windows.\nTom: And not just bought new windows…we spent $15,000 to buy new windows which to be honest, our existing windows were probably perfectly okay and if we wanted to actually get them replaced, we probably could have done it for a couple thousand dollars.\nAriana: Yeah and then we also bought a new smoke alarm system which I will say out of all the purchases we made, that one at least as a safety precaution and you know, the types of smoke alarms that we bought are top of the line and then we also got the heat alarms with them. So that one at least was for our safety, but did we need to do that four months after we bought the house? Probably not.\nTom: Yeah so let’s just recap that. So we bought a $100,000 house in March, a couple months later…\nAriana: We got a couple thousand dollar car.\nTom: We got a couple thousand dollar car. A couple months later we spent nearly $20,000 on buying windows and smoke alarms for our new house that we’d only been in for a couple of months.\nAriana: Yeah and then throughout that time, in 2007 and 2008, we…it was like the seasons of weddings for us. We were invited to probably I would say six to eight weddings each summer and then we were actually in a couple of those and they were in different cities so we were travelling on top of that so you know – not to say we weren’t grateful to be a part of all those people’s special days but when you add all that stuff together, the gifts, the travelling, being in the wedding and having to buy the suits or the dresses that stuff adds up very, very quickly.\nTom: And now for the icing on the cake…\nAriana: August 2007.\nTom: Tom spends $7500 on a credit card for real estate training.\nAriana: Yeah we did not need that. We were trying to plan the wedding this whole time. We did set our date a little further off. I think we were almost two years out from when we got engaged. We knew we would need some time to one, plan it, and to two, have the financial ability to pay for it, but yeah. We didn’t need that extra $7500.\nTom: Alright. So with that, now we’re going to get into some of this debt is actually business debt. So we’re going to talk a little bit later on whether you should actually pay off your personal debt first or whether you should start a business. But we’re going to show you the path we took. So we said that we spent the money on real estate training and we decided that we’re actually going to go and make that work because we had to pay off the $7500 credit card bill somehow. So in December of 2007, that same year we bought our house, we actually bought our first rental property.\nAriana: Yep and we named that Perry Housing, because it was in Perry.\nTom: As you guys can see and you’ll probably hear in the future, I have named one company and it was this one because it was easy. And every other company has been Ariana’s creativity because she does so much better.\nAriana: You did two: Perry Housing and Sylvester Enterprises. Really creative.\nAriana: Where he lived and his name. Anyways in May 2008, to join onto those home improvement sales and purchases, we signed up for an alarm system.\nTom: So we didn’t learn our lesson at that point.\nAriana: Nope, obviously did not learn our lesson. And I mean we do live in a suburb. There is not a whole lot of crime but you know, it is kind of a scary thought to think about what would happen if somebody broke into our house, what would we do? So they sold us on having the alarm system and this one had a monthly payment. It wasn’t a payment upfront so we were like oh, yeah. It’s not too bad. But you know, five years of $50 a month, that does come out to quite a bit. So yeah we didn’t need that one either.\nTom: And let me just take a step back at this point. Anyone that comes to your house or anyone that has a deal that sounds too good to be true, one, it probably is, two, these guys and whether it’s a real estate trainer, whether it’s some guru, whether it’s someone coming to your house to sell you something, they are experts in sales.\nTom: So they’re going to do all the strategies that are going to psychologically get you there. So like Ariana just talked about, it’s a little bit scary and they’re going to sell you on why you have to have an alarm system or why you have to do some of these things. The point is, they know what they’re doing and if something sounds like a good deal, my recommendation is take two days and think about it. They’re going to tell you that this offer expires and you’re not going to be able to get it outside of that day, but if it’s truly a good thing, after two days, it’s still going to be a good thing. They’re still going to offer you that deal, otherwise it wasn’t a good deal to start with, and it’s going to save you a lot of money just by thinking that way and actually taking some time before you start spending money on these things.\nAriana: Yep, so the next one on our list is pretty big. September 2008 we finally got married and went on our honeymoon. And although this is a great, great day, it was one of the best days of our lives, we probably spent more than we needed to which is in retrospect actually a lot less than everybody else spends.\nAriana: I think total with the honeymoon included we spent about $12,000 on our wedding which is pretty low.\nTom: That’s it?\nAriana: Yeah that was it. That’s all we spent.\nTom: Wow you are impressive.\nAriana: I was a super budgeting queen. I was DIY before Pinterest was around. So you know, it was a low amount but unfortunately we did pay for that ourselves so that was just more debt that we got into.\nTom: Yeah so then from there we ended up continuing in purchasing real estate which once again this is debt that we took on but it was business debt and it actually was good debt because it starting bringing us in money. So in October 2008, our second real estate business bought its first rental property and then over the next few years, we just continued to buy various rental properties, mostly residential but then we even got into some commercial real estate as well.\nAriana: Yeah and I think our number is…oh I just counted the other day. If you’re counting units, I think we have 23 units. But then we have eight duplexes, one house, and one commercial building so it all splits out. And February 2012, the next best day of our lives, we had our first child Alaina which we were able to keep our expenses pretty low for having a child because I did stay home so I mean pretty much with that, it was just diapers and diapers and wipes. I did breastfeeding so that was free. We didn’t have childcare expenses so it wasn’t too bad. And everyone was crazy buying kids clothes and stuff and so we did not buy a lot as well for having a baby which is kind of impressive.\nTom: And this goes back to what we had done during that time and we realized we got into all this debt, was we starting to talk about some of our goals and some of our plans, and when we had Alaina, you were actually able to leave your job. So I think that’s a great point as we go through this timeline really showing how we made some bad mistakes and then we started to realize that that wasn’t the path we wanted to go down.\nTom: We switched things up, that was our first major goal obviously it was great to have our first child but also great to have you staying home and replace your income with the business income.\nAriana: And then I mean the year of 2012 was kind of a crazy year because Tom had the idea of opening a wine and liquor store and to start off I kind of…I wasn’t sure how we were going to do that or if it was even going to happen because with New York State you have to apply for the liquor license before you can do anything and that was very long, I think like a six month process but in the meantime he was really serious, he said this is a long term retirement plan, let’s do it and we’re going to do it right. So within the, what is it, six, seven months, November 2012, he got approved for the license in I think October and we had been planning that whole summer, even just after having a baby, we had been planning that whole summer and doing the business plans and building everything out and we opened Warsaw Wine and Spirits in November 2012.\nAriana: And that was a very crazy time for us because Tom was working full time so guess who worked the store the whole first week we were open with a child? Yep, that would be me. Alaina was what? Nine months old.\nTom: I was going to say we have a picture of Elena actually sitting on wine racks.\nAriana: Oh, we have lots of pictures of Elena with me being at the store, sitting at the store.\nTom: We’ll put some of those up on the show notes which you can find at Show 3. But yeah parents of the year.\nAriana: Yeah, raising your child at a liquor store, that was us. But lucky for us, we were able to find a great employee; she works full time so after that first week, she worked full time Monday through Friday at the business. So I only had to be there that first week every day. Tom was working the late shift after work.\nAriana: So that first week was insane. But after that, we were able to find a great group of employees to run the store and I only had to travel there every once in a while.\nTom: Alright, so let me ask a question. So we have this real estate business, we have this liquor store – how often are you actually working at the liquor store?\nAriana: Now I go down once or twice a month.\nTom: Okay. So you don’t work in the liquor store?\nAriana: No I don’t work there.\nAriana: Isn’t that funny?\nTom: Do I work there?\nAriana: No. That has to be the number one most asked question when we tell people we own a wine and liquor store. Oh so do you work there? No, we don’t work there.\nTom: So we actually have an episode coming up in the future where we’re actually going to walk through our liquor store business and how that works.\nAriana: The process of opening it.\nTom: But the key thing here that I want to call out is part of building these businesses doesn’t mean that there’s going to take our time away in the future. As we build more income, that first like leading up to that first week, we spent a ton of time. I would work my full time job.\nTom: Ariana would go to the store with Elena and then I would leave my full time job, go work at the liquor store at 9 o’clock at night, and then finally get home and do that again. So it’s going to take some sacrifice to get our businesses going but the light at the end of the tunnel like we have now, we have employees that work at the store and then we spend a little bit of time just managing and overseeing it.\nAriana: And we have all of our processes written out. We’ll dive into how we did that and we’ll probably include a .pdf of how we’ve processed out those tasks that we have to do at the store and all that sort of stuff.\nTom: So over the next couple years we just kept taking the income that we made from the businesses, income from our…or my day job, and just kept putting those back into the businesses to pay off like we had paid off our personal debt but then being able to knock down some of that business debt too because as we knocked that down, that means that the income coming from those businesses just continues to increase.\nAriana: And then most recently, June 2015, we had our second child Ty and we are pretty close I think to completely out of debt although it’s kind of an evolving.\nTom: But a lot of our debt now is our business debt.\nAriana: Yeah it’s evolving because we keep putting money into the business and then we’re paying it back off so it’s good debt.\nTom: Yeah exactly and that’s a great point. There’s definitely good debt and bad debt and a quick definition of that, your bad debt is your debt that costs you money and your good debt is your debt that makes you money. So when we invest money into our businesses our when we’re buying equipment or whatever it is, if we spend a dollar, we’re going to get more than a dollar back which means that debt was a good thing to have. Alright, so that actually leads into the first point that I want to get into which is sometimes you have to actually take on debt to pay off debt. So what I mean by that is when we got to like our peak of our personal debt, there were really two routes we could have gone. One was really to cut back expenses, try to make more money at our jobs, and just pay that off.\nTom: And some people go that route and are very successful. The other option is to look for ways to bring in more income so that we could pay that off faster. And that was actually the route we went. We ended up starting our businesses so that we could bring in more income to be able to pay that off. So that meant that we actually put some of our money instead of paying off debt, we had to put it into a business and then we actually had to take on a mortgage to buy a rental property but then that rental property would give us cash flow and reduce our taxes so that we could take that money and put it onto the personal debt that we had.\nAriana: Well that takes us sort of into our debt snowball which I will let Tom explain.\nTom: So this is a concept that I believe Dave Ramsay has popularized. I don’t know if he came up with it but essentially the concept here is if you take all your debt out, you’re going to organize it by what is the highest interest rate.\nTom: So let’s keep it simple. Let’s say you had two credit cards, one had a 20% interest rate and one had a 10% interest rate. What you’re going to do is you’re going to focus all of your extra income to paying off the 20% interest rate credit card and then once that’s paid off, you’re going to take the money that you were paying onto that credit card and then put that onto the 10% credit card in addition to what you were already paying on that. So that means you’re going to be able to pay down that second credit card faster than you did the first and now if you have a third credit card or a fourth, you just keep doing that and over time you’re able to pay those credit cards or whatever debt that is off faster because you’re taking more money and just snowballing it into the next one.\nAriana: And we’ve done this. This is something that we practiced. We took all of our cards and we wrote everything down and we sat down and did goal planning. Okay, let’s figure out what income we have coming in every month, let’s figure out what we’re putting on onto all the cards, let’s figure out the excess that we have left over, and let’s figure out which card we’re going to start to pay down first. So we’ve done that and you know, we would take our yearly goals and go through our debt snowball.\nAriana: Okay, we paid off this card, now we’re putting all the income onto this card, after that we’re going to skip over to this card, and so on and so forth. So that really helped us with our plan to eventually pay down debt. The other thing that we want to talk about is cutting out unnecessary expenses. Now, this means different things to everybody because it’s all in what’s necessary for you. For us, one of the big ways that we cut out expenses, we do not buy presents for each other. We don’t do Christmas presents. We don’t do anniversary presents. We don’t do birthday presents. We would rather use that money to get us to a better place in our life and we just…we try to take the happy times that we have and just celebrate those instead of going out and spending a lot of money doing stuff. I mean we do out do dinner occasionally. We’ll go out to a movie or we’ll do something to stay in but it’s something special for us. But we really try not to spend any unnecessary money on ourselves because that’s just something that we don’t feel we need.\nAriana: It’s a sacrifice we’re willing to make at this time. Yes, at some point in the future we would love to be able to start buying gifts again for each other but we’d rather spend our time and money in other places. Another way we cut out expenses was getting rid of cable. We have Netflix, we have Hulu, we do other things for entertainment. We felt that cable was just not necessary. We were wasting a lot of time and definitely wasting a lot of money there because you pay for cable and we don’t want a large majority of the channels and most people only have cable so that they have DVR so that they can watch the shows that they don’t have time to sit down and watch. So, those were a couple ways that we’ve gotten rid of unnecessary expenses. We don’t go out to eat a lot. We don’t spend a lot of money on ourselves in general. We don’t go shopping. Typically the only thing I shop for is the kids.\nTom: Yeah, and this isn’t to say that you have to your spouse and say, hey we’re not going to buy gifts anymore.\nAriana: No, don’t do that. That works for us but we suggest you find a way for you to go out and try to cut some unnecessary expenses.\nTom: Yeah, because the key thing is we all think we need things but if you really sit back and look at how much money do you spend each month? Like we’ve gone through in detail about how much comes in each month, how much goes out each month, and are there things we can cut back? And that’s where we figured out we can cut back on things like cable and some of these other nice-to-haves but not need-to-haves, and the sacrifice in the past and now will then allow us to do bigger and better things in the future. So what you have to look for and what we coach our clients on is take a look at all of the time you spend, take a look at all of the money you spend, and see where you can cut some of that out, to get both time and money back because that’s what’s going to allow you to start your business and end up building more time and more money. So if you’re interested in learning more about that and kind of getting our step by step guide, head over to serialstartups.co and then click on the Startups Academy and that is the course and membership site where we have all of our content and then us guiding people on how to get on some of that and then actually start their first or additional income stream.\nTom: So with that, the final tip that we like to talk to people about is, you’re working so hard to make your money, make sure that you’re actually keeping as much of it as you can. So if you own a business, you can get quite a few tax deductions. If you haven’t started a business yet, you can still get some deductions for donations you make, your interest mortgage, your student loans…\nAriana: Having kids.\nTom: Yep, but far too many people end up missing out on a lot of that money because they don’t file their taxes right or they try to do it themselves. So I mean our accountant I think he charges us $100 or something.\nAriana: $150 I think.\nTom: Yep, but even going to like H&R Block or some of these places, they’re going to make sure that you’re getting these deductions which means that you keep more of the money without having to really do anything else. The other thing is not only keeping more of that money, but a lot of people try to minimize how much money the government is holding for them and which ultimately minimizes how much they get back at the end of the year. But one of the biggest things that helps us pay off debt if you can have more taxes taken off your paychecks, at the end of the year, you’re going to get a return and that return may be a thousand dollars, two thousand dollars, or more, and when you get that big chunk of money, you can then pay down a significant portion of debt. A lot of people go back and say; well I don’t want the government holding my money. I’d rather have that money now rather than later but the reality is, if you get an extra $5 per paycheck or whatever it is, you’re probably going to spend it. But if you get that big return at the end of the year, now you can have a much bigger impact and you’re not just going to spend it here or there on extra McDonalds or something else.\nAriana: Yeah, I know it’s hard for a lot of people to consistently save on a week to week or month to month basis. You know, some people are successful with it with the jar or I know I’ve seen some of those plans where you save a certain amount per day for 30 days and then you have this big chunk at the end, but a lot of people don’t have the willpower to do that consistently. So you know, tax returns is definitely one way that you can kind of save yourself the trouble and the time by filing correctly so that you get that big return and you can do something significant with it.\nTom: Absolutely. So we went through a lot of stuff here but we want to leave you with our final tip of the week and I’ll let Ariana go through with that.\nAriana: Yeah, we recently I think last year started using Mint.com which I don’t know why it took us so long to use it but it’s really helped us get a big picture view of our spending monthly. It allows you to sign in and then you sign in to each of your accounts, your bank accounts, your credit cards, your 401ks, your mortgage.\nAriana: Any kind of account that you have that has an online login and it’s a financial account, you can log in through Mint and it will automatically update so it gives you as your transactions are coming in, they’re showing up on Mint, you have the option to create budgets for yourselves; shopping budget, a grocery budget, a gas budget, dining out, it will tell you your medical expenses. It splits everything out by category and you can go in and obviously edit if you need to if it doesn’t pick the categories correctly. It shows you…it will give you warnings for when your payments are due, it will give you warnings for when your budget is close to goes over what you set for yourself per month. So it’s a really good tool for anybody and everybody to use but especially if you’re trying to pay down that debt and get to a better spot financially.\nTom: Yeah and if you haven’t started a business yet, this is going to give you some good discipline of looking at how much money comes in, how much goes out, and what some of your targets are because one of the key pieces of running a business is making sure that you have cash flow. And that means that the end of the month, after all of your expenses are paid, you’ve got money left over. And if you can start by doing that discipline with your personal finances, you’re going to have much more success when you start your first business by being able to do that.\nAriana: Yep. So if you missed any of our mentions or you want to see some of the links, head over to the show notes page serialstartups.co/show3. That is our show for this week I think. Thank you guys for listening again. And we’ll see you again next week.\nTom: Alright, see you guys.", "label": "Yes"}
+{"text": "Bringing biometric payments to the masses\n13 November, 2014\ncategory: Biometrics, Financial, NFC\nAs recently as this past spring, executives from telecommunication companies told me that Apple would never include near field communication in a handset, instead opting for the ubiquitous Bluetooth Low Energy.\nWell, in September Apple proved them wrong and included NFC into the iPhone 6 and 6 Plus, launching Apple Pay. Apple has agreements in place with Visa, MasterCard and American Express, along with numerous banks and dozens of retailers.\nThe service launched in late October and I decided to take it out for a test drive. Enrolling the cards was easy. I included the card associated with my iTunes account and then decided to add my debit card as well.\nFor that, I took a picture of the card and it was quickly added to my passbook. I also had to go through a process of confirming my iTunes card as well. After both were enrolled I received emails from my banks confirming the enrollment in Apple Pay.\nNow it was time to make some purchases, and first on my list was at Walgreens. After the clerk rung up my purchases I placed my phone near the point of sale and the screen just lit up. It showed both of the cards I had enrolled, and by simply touching one or the other, I would be able to use that particular card.\nFor the first purchase I choose my debit card, touched my fingerprint on the Touch ID scanner and received the short vibration prompt back confirming the purchase was complete. But in this case that wasn’t entirely true. Since I used a debit card, the point of sale asked for my debit card’s PIN and then took me through the rest of the prompts – cash back and confirm amount – before finalizing my transaction.\nThe next couple of purchases I made I used my other credit card and it worked perfectly. I simply held my phone to the terminal, touched the fingerprint scanner and it worked. I was even able to pay for a cab that had a contactless terminal equipped.\nI had previously tested a case that enabled me to make payments using my iPhone 4 and the biggest issue was activating the phone, launching the app and then making the payment. The fact that when you hold the phone up to the terminal it just works and enables you to choose which card to use makes Apple Pay very easy to use.\nAnd then there’s the added bonus of these transactions being more secure. They’re authorized with a fingerprint, while on the backend all the Apple Pay transactions are tokenized and account numbers aren’t.\nIt will be interesting to see how Apple’s NFC technology evolves. They’re making money off of each payment and it will be interesting to see how they open up the NFC protocol to hopefully enable physical access control or other applications to take advantage of the new iPhone’s NFC chip. Apple will also be including NFC in the Apple Watch coming out in 2015.", "label": "Yes"}
+{"text": "Pre-Sales Manager, Banking, Americas\nWe are Earnix\nWe enable insurers and banks to provide faster, smarter, and safer prices and personalized products. With our products, insurers and banks can offer personalized value to every customer, every time, and in full alignment with their corporate business strategy, goals, and objectives.\nWith over 80 customers across the five continents, Earnix has been consistently innovating for Banks and Insurers around the globe. We have offices in the Americas, Europe, Asia Pacific, and Israel.\nWe have the opportunity for an exceptional pre-sales manager to join our growing team. This person needs to be passionate about the mission we have to grow the banking business across the Americas, someone who understands both retail and commercial banks, understands how analytics can help them and has experience in the enterprise sales process to Tier 1 banks.\nYou will join a fast growing, cutting edge technology company that has a proven track record in providing software and customer analytics solutions that have transformed some of the world’s top financial institutions. This high-profile position reports to the Global Head of Sales, Banking and part of a growing team of high tier business professionals.\nAs part of the Global Banking Sales Team, you will be the solution lead during the sales process. Working alongside Sales Directors you will help uncover customer business goals, needs and pains that relate to the Earnix platform and demonstrate how the Earnix suite of products align with the bank’s vision. The role will require you to create personalized business-value based presentations and demos and where necessary, you will provide technical responses to (and overall management of) the RFPs and RFIs.\nAdded to this, you will stay on top of industry news, technology products, platforms and partners to ensure you and the wider team provide and maintain a deep industry and ecosystem expertise.\nBachelor’s Degree in Finance, Computer Science, Statistics, Applied Mathematics, or related analytical field.\nExperience working in the banking industry with deep knowledge of credit financial products, ability to talk on a peer-to-peer level with senior executives and business teams\n3+ years’ practical experience with data analytical tools.\nThe ability to simplify complex technical problems – by getting into the weeds but always knowing how to summarize and simplify;\nPrior experience in an environment selling to financial institutions an advantage.\nYou enjoy presentations. You feel comfortable leading presentations and demos of the Earnix platform to large groups, both technical and non-technical. In-person and virtually.\nYou can tie business problems to technical solutions and understand technology value propositions.\nYou have excellent communication skills. You can easily relate complicated concepts to non-technical people, while maintaining the ability to speak to highly technical people.", "label": "Yes"}
+{"text": "Mentioned in this article\nEngines rev as car sponsors are announced across League of Legends, Activision Blizzard’s leadership reshuffle continues, and the Tokyo government will hold its first esports event.\nMissed any of the biggest esports business news last week? The TEO Monday Morning Briefing recaps the top headlines from the last seven days!\nKia to Sponsor LEC, Audi Partners With Origen\nOur top story last week: Just days after revealing its multi-regional partnership with Dell’s Alienware brand, Riot Games announced that Kia would be a major sponsor of its League of Legends European Championship. The Korean car brand will also be the presenting sponsor of the “Player of the Game” segment in league broadcasts, and will build a content series around LEC team Fnatic. Just days before that, Audi pledged its support for another team, Origen, and Mercedes-Benz had been confirmed as the top sponsor for China’s league for another year.\nAs well as sponsoring RFRSH Entertainment’s League of Legends team, Origen, Audi will also support a number of yet-to-be-announced esports and digital entertainment projects. While the BLAST Pro Series is one possibility, a source close to the deal told The Esports Observer that Audi’s involvement in German soccer—as both a sponsor and partial team owner—will play a part.\nMike Morhaime to Leave Advisory Position at Blizzard Entertainment\nFormer Blizzard Entertainment president and company co-founder Mike Morhaime, who has been serving as a strategic adviser since stepping down in October, will be leaving the company in April, according to a filing with the U.S. Securities and Exchange Commission.\nThis is just one part of a major restructuring in Activision Blizzard that continued last week with CFO Dennis Durkin also named president of the company’s emerging businesses, which includes the subsidiary overlooking esports properties, and naming Call of Duty executive vice president and general manager Rob Kostich president of Activision.\nBlizzard and NetEase Extend Publishing Partnership Through 2022\nBlizzard Entertainment has extended its partnership with Chinese publisher NetEase until January 2023. In addition to bringing the games themselves to China, NetEase also oversees Chinese esports programs for multiple Blizzard titles. Aside from Overwatch, these initiatives operate independently, even Heroes of the Storm, which will continue professional play in China, despite Blizzard shutting down the Heroes Global Championship late last year.\nTokyo Government to Host Esports Event in Fiscal 2019\nThe city of Tokyo will host its own esports event in fiscal 2019. The Tokyo Metropolitan government plans to allocate ¥50M ($460.9K USD) in its fiscal year 2019 budget (which begins in April) for the event. Dates, venues, and other details have not yet been determined. In just over a year, Japan has gone from a legally restricted esports market, to one of the strongest in terms of federal support.\nInvestments: ESL-led Project Wins UK funding, Super League Gaming Readies IPO\nThe Weavr Consortium, a project led by ESL UK, won the sports and technology grant of the Industry Strategy Challenge Fund (ISCF). For context, a portion of this £18M ($22.9M) fund also went to projects designed for London’s Natural History Museum, and one led by the Royal Shakespeare Company. The Weavr project is based around VR/AR, AI, and data-driven content production, and is designed to create UK-based revenue that could have application in traditional sports production.\nSuper League Gaming’s IPO will have a placeholder value of $25M. The company has found a niche in the industry with its amateur and youth focus, has previously received investment from aXiomatic and Nickelodeon, and saw triple-digit revenue growth in 2018.\nWant to get the latest esports business news directly on your device?", "label": "Yes"}
+{"text": "In the mid-90s, most people still had vivid memories of what a period of rising and persistent inflation looked like. For those of us who lived through the late ‘70s and early ‘80s, we can remember the impact that double digit inflation, double digit interest rates, and the accompanying recessions had on our families and our financial lives.\nFinancial advisor and author Nick Murray often used postage stamps as an easy illustration of rising prices. He would simply show the price of a postage stamp from some previous date, such as 1975, and then show the cost of the same stamp 20 years later. The rise in price of the stamps mirrored the inflation that we had ALL experienced over that time. This metaphor resonated with both advisors and financial institutions. Many of them created marketing pieces around this idea. Here is one that I have had in my briefcase for the last 27 years, created in 1995.\nSource: SunAmerica and Jesse’s briefcase\nIt was a simple, yet vivid illustration of the impact of rising prices on everyday costs and goods. Remember, many retirees live on relatively fixed incomes. As prices rise, people are spending more of their limited resources on the same milk, eggs, gasoline, and yes, stamps. The leaves less cashflow to pursue other interests, hobbies, travel, and lifestyle goals that make life meaningful for our clients and their families.\nAs if on cue, the US Postal Service announced that it will increase the price of stamps from $.58 to $.60 in July. The Postmaster General Louis DeJoy said on May 5th that he expects that the Postal Service will continue to raise prices at “an uncomfortable rate” until the agency becomes self-sufficient.\nA recent survey conducted by CNBC and Momentive finds that many American consumers are already cutting back on their spending due to the impact of rising inflation. As much as 60% of the US population lives paycheck to paycheck and has less than $1000 in savings. This means that many people are having to make difficult decisions about where to spend their finite resources. Lower income households are most at risk and are having to make unwelcome decisions and trade-offs about which necessary expenses to cut back on.\nHowever, the study also finds that Americans with incomes of at least $100,000 are also cutting back their spending. This is extremely important from an economic standpoint, as higher income constituents make up nearly 3/4 of consumer spending. Remember that consumer spending makes up 70% of GDP. This will be an important indicator of if/when we have a recession.\nNone of this is fun to report. However, it is real, and it is important for all of us to be aware. The CFP’s of Impel Wealth Management will continue to track the impact of rising prices to the economy, the financial markets, and the families we strive to serve. We wanted to share this with you to help put some context and perspective around what you are hearing in the media and online. It is part of our mission to keep you informed as we continue “Moving Life Forward”.\n© 2022 Jesse Hurst", "label": "Yes"}
+{"text": "Indonesian lenders are expected to attract more foreign investment as they prepare for tougher capital requirements by the end of 2022 and the country’s economic growth prospects improve.\nNearly half of the 83 Indonesian banks covered by S&P Global Market Intelligence will need to raise new capital from investors to meet more stringent capital requirements, based on their Tier 1 capital levels as of September 30, 2021. All lenders must have at least $3 trillion. rupees of Tier 1 capital by December 31, as part of the Financial Services Authority’s efforts to strengthen the country’s banking system. At least 32 banks had capital below Rs 2 trillion as of September 30, 2021.\nMore business activity is likely among smaller, less capitalized lenders in 2022, analysts said. These banks could turn to foreign investors who have long been attracted to Indonesia’s banking system for its above-average spreads and loan growth, said Yulinda Hartanto, analyst at CGS-CIMB Sekuritas Indonesia.\nThis year “will be the last year for banks to meet the requirement and some banks have not reached this level of capital; thus, this will continue into 2022,” Hartanto said.\nIndonesian banking and payments companies offer exciting growth prospects for foreign investors looking to tap into the domestic market population of over 270 million. The overall return on average equity of Indonesian banks was 7.37%, 12.31% and 12.93%, respectively, over the past three years. Banks aggregate the net interest margin was 4.96% in 2020, well above most other jurisdictions in the Asia-Pacific region, according to data from Market Intelligence. Economic growth prospects are brightening for the country amid the ongoing recovery from a pandemic-induced slowdown, with the Asian Development Bank predicting GDP growth of 4.8% in 2022.\nSince 2017, the Southeast Asian country has recorded 35 banking M&A deals and 9 deals in the payments industry, according to data compiled by Market Intelligence. Deal activity cooled after a busy 2019 when more than a dozen deals were announced, including Bangkok Bank PCL’s acquisition of PT Bank Permata Tbk for $2.40 billion.\nIndonesian banks and payment companies could also see investment from tech companies as more such players turn to financial services. Ride-sharing service provider Grab Holdings Ltd. recently teams up with Singtel to buy a combined 32.52% stake in PT Bank Fama International. The acquisition follows foreign investments in mobile wallet PT Visionet Internasional and payment infrastructures iKaaz Software Pte. ltd. and KuDo Technology Indonesia LLC.\n“[Indonesia] would be central to all tech companies entering the financial sector, especially the lending segment,” Hartanto said.\nInvestors from Japan, South Korea, Thailand and other Asian markets remained active in the Indonesian banking sectors over the past few years as they seek to scale up and earn higher returns outside of their home markets. Between 2014 and 2019, Japanese financial institutions paid or pledged at least US$9 billion for stakes in several Indonesian lenders. These investments included Mitsubishi UFJ Financial Group Inc.the acquisition of several billion dollars by PT Bank Danamon Indonesia Tbk in 2017.\nAs of February 15, US$1 was equivalent to 14,263 Indonesian rupiahs.", "label": "Yes"}
+{"text": "Agricover Holding S.A. takes its first step on the Bucharest Stock Exchange by listing the largest bond issue of a Romanian entrepreneurial company on the BVB\nRadu Hanga, President of Bucharest Stock Exchange:\n\"We are delighted with the success of the bond issue carried out by Agricover Holding S.A. both because we are talking about the largest bond issue carried out by an entrepreneurial company on the BVB, but especially because the money attracted from investors will be directed towards supporting the development of Romanian agriculture. The pandemic has shown us that, in times of tension and uncertainty, we have to rely first and foremost on our own strengths, so it is only natural that the capital market should also support Romanian companies.\"\nIoana Tănase, Director Investment Banking, BCR:\n\"Over the years, BCR has supported the group's development through financing and it is only natural that we should also support Agricover Group on the occasion of their first step into the capital market. Today we have clear proof that a solid company will always attract the interest of investors. We are proud that this model has been provided by Agricover, with whom we have a long history of partnership in business. Last but not least, Romania needs to move quickly towards sustainable development and BCR is ready to support its clients in these initiatives as well.\"\nIrina Neacșu, Executive Director Corporate Finance, BRD Groupe Societe Generale:\n\"Agricover is undoubtedly one of the most representative entrepreneurial business groups in Romania, growing profitably at a fast pace and holding prominent positions in all its business segments. The attractiveness of the agricultural sector and the issuer was confirmed by institutional and private banking investors who oversubscribed the bond offer, thus becoming the new partners of Agricover Group's future growth. Also in view of our experience as an intermediary of the offer, we are convinced that the bond issue is only a first step for the Agricover Group on the Bucharest Stock Exchange.\"\nȘtefan Bucătaru, Member of the Board of Directors of Agricover Holding S.A.:\n\"We are very pleased with the opportunity to create a bridge between as many and as diverse investors as possible on the capital market and Romanian agriculture. Agricover Group, through Agricover Credit IFN S.A., Agricover S.A. and Agricover Technology S.R.L., has made it a business strategy to facilitate the access of Romanian farmers both to the most advanced agricultural technologies and to financing solutions adapted to the specific agricultural sector, so that as many Romanian farmers as possible can develop successful businesses in optimal conditions. We want to offer Romanian investors the opportunity to join us in this endeavour, so that together we can effectively contribute to the modernisation of Romanian farms on a professional, competitive and sustainable basis.\"\nAdrian Tănase, General Manager, Bucharest Stock Exchange:\n\"The successful financing rounds carried out at the BVB demonstrate that there are more financiers, individuals and institutional investors on the stock exchange. These resources can come from deposits, pension funds and mutual funds. In recent years we have seen companies from various sectors come to the stock exchange, agriculture, energy, medical, HoReCa, IT, banking and non-banking finance. At the same time, this year we will see new companies listed on the Bucharest Stock Exchange from various sectors of the economy, with more than 20 companies in various stages of preparation, according to public information alone.\"\nThe bonds issued by Agricover Holding S.A. in the amount of €40 million are unsecured, with the nominal value of one bond being €50,000 and a coupon rate of 3.5%. The issue was conducted through a private placement on the BVB closed in January 2021, which was oversubscribed and enjoyed a diversified audience, both among institutional investors (open-ended investment funds, commercial banks, international financial institutions) as well as among private banking investors.\nThe capital raised through the bond issue is intended to finance the lending operations of Agricover Credit IFN SA, a subsidiary of Agricover Holding S.A., specialising exclusively in financing farmers in Romania. Including through the funds raised through the bond issue, the non-bank financial institution aims to maintain the fast pace of lending to Romanian farmers and to further contribute to the sustained, sustainable growth of local agricultural performance.\nMore information is available in the Prospectus prepared for admission to trading and published on the agricover.ro website or on the BVB website.\nWe invite you to watch the launch event tomorrow, 31 March 2021, at 10:00 a.m., on Agricover and BVB communication channels, at the BVB headquarters. The agenda is available here.\nAgricover Holding S.A. is a holding company and represents the vehicle through which the four entities of the group are held, namely Agricover S.A. (specialized in the distribution of agricultural technologies), Agricover Credit IFN S.A. (non-banking financial institution specialized in financing farmers), Abatorul Periș S.A. (specialising in pig slaughtering and pork processing) and Agricover Technology S.R.L. (through which the Group intends, from 2022, to provide farmers with access to the latest innovations in global agriculture and, in practice, facilitate a transformation in the way they do business through access to digital technologies).\nSince its establishment, Agricover Group has aimed to serve Romanian farmers and provide them with innovative solutions tailored to their needs, so that they can systematically and sustainably strengthen their productivity through access to high-performance agricultural technologies and financing solutions tailored to the specific agricultural sector. The Group has made a direct contribution to the very good performance of Romanian farmers, who, in the last decade, have steadily increased their average productivity per hectare for cereal and oilseed crops, recording in 2017-2019 a level that represents 93% of the European Union average, respectively 75% of the productivity recorded in France, 77% of the productivity recorded in Germany and exceeding by 19% the average yield of farmers in Poland.\nCurrently, more than 1,000 employees work in Agricover Holding S.A. subsidiaries. The Group serves a portfolio of more than 6,000 active farmer customers, who farm more than 2.2 million hectares of arable land nationwide.\nThe majority shareholder of Agricover Holding is Jabbar Kanani, with a stake of 87.269% of the subscribed and paid-up share capital. Another major shareholder is the European Bank for Reconstruction and Development (EBRD), which holds 12.727% of Agricover Holding's shares. Adama Agriculture B.V., a member of the Syngenta Group, one of the world's largest producers of plant protection products and certified seeds, holds 10.000% of the shares in Agricover S.A..\nAgricover Holding S.A. ended 2019 with consolidated revenues of more than RON 1.65 billion (an increase of more than 25% compared to 2018), while the balance of net loans granted to farmers by its specialised subsidiary Agricover Credit IFN S.A. as at 30 June 2020 was RON 1.832 billion, 22% higher than the level recorded as at 31 December 2019.\nThe BUCHAREST STOCK EXCHANGE (BVB) administers markets for shares, bonds and other financial instruments through regulated platforms or multilateral trading facilities and provides a wide range of services to financial market participants. Bursa de Valori București has been listed on its own market since 2010. Global index provider FTSE Russell announced in September 2019 the promotion of the Romanian equity market to Emerging Secondary Market status. As of 21 September 2020, Romania is included in the FTSE Russell Emerging Markets Indexes. For more information about the Bucharest Stock Exchange, visit bvb.ro.\nFor more information, do not hesitate to contact:\nȘtefan Musgociu, BVB Business Development and Marketing Specialist, +40.730.255.030, firstname.lastname@example.org\nCarmen Chioțea, Marketing Director Agricover Group, +40.749.888.885, email@example.com\n30 MARCH 2021, Bucharest", "label": "Yes"}
+{"text": "SPRINGFIELD, IL (AP) - The top Republican in the Illinois House says he won't go along with Gov. Pat Quinn's call for higher cigarette taxes to help the state's struggling Medicaid program.\nMinority Leader Tom Cross says House Republicans oppose \"any tax increase to solve our Medicaid crisis.\"\nCross noted that the Democratic governor said in his budget address that the state needs to reduce Medicaid expenditures and didn't mention a tax increase. Cross said he'll hold Quinn to his word.\nQuinn on Thursday offered a plan for closing a $2.7 billion hole in Medicaid, which provides health care for the poor. His proposal includes removing 215,000 from the program, cutting many services, reducing payments to providers and raising cigarette taxes by $1 a pack.\n(Copyright 2012 The Associated Press. All rights reserved. This material may not be published, broadcast, rewritten or redistributed.)", "label": "Yes"}
+{"text": "The prime brokerage business has evolved rapidly in recent years. It is now offering investors better ways to look at their fund managers' portfolios via the Internet. Some have been offering analysis reports. Others are exploring how to provide transparency, portfolio stress-testing and risk-measurement tools.\nTo take full advantage of these services, however, you need to be ready to give your prime broker clean data. Trading on spreadsheets may give you tremendous flexibility in viewing your trades, but it severely limits your connectivity to prime brokers. To make your success scalable, you need the strength of a proven trade order management system.\nSS&C's Antares trading system has a robust, three-tiered architecture and established connectivity through the industry standard FIX message format. With Antares as your trading platform, you will not only be T+1 ready, but also be able to send your prime broker all the necessary data in real time without sacrificing the flexibility of spreadsheets.", "label": "Yes"}
+{"text": "The only way is up: The iron ore price boom that refuses to die\nFour months ago, when iron ore prices were testing the $US150-a-tonne mark, alarm bells were warning that the forces that conspired to push the price to the stratosphere would abate.\nRoll the clock forward and prices are now close to US$190 – nudging iron ore’s all-time high of US$193.\nShredding machines are bursting at the seams with discarded reports from economists and commodity experts, who have been on the wrong side of the iron ore forecasting game. Second-guessing the Chinese and the Brazilians is an occupational hazard.\nFor more information, please click on the link below:", "label": "Yes"}
+{"text": "White Oak Commercial Finance, LLC (“White Oak”), an affiliate of White Oak Global Advisors, LLC, announced its Government Contracting Finance Division provided $4.5 million in factor and ABL-based credit facilities to three aerospace businesses providing specialized services to US Defense agencies.\nThe first is a veteran owned, service-disabled startup located in Washington State that provides intelligence, surveillance and reconnaissance services (ISR) to the global unmanned aircraft system (UAS) industry. It received a $1.5 million factoring facility to fund its working capital and payroll needs in support of its Federal Government contracts.\nThe second, a Virginia-based engineering firm providing specialized aerospace, communications and national-security solutions to US Department of Defense agencies, received a $2 million asset-based lending facility after outgrowing its existing financing with a community bank. The increased line of credit will allow them to compete for and service large contracts and increase its R&D efforts.\nThe third is a Virginia-based developer of autonomous, solar-powered perpetual flight vehicle systems that enhance government and commercial telecommunication and emergency efforts around the world. White Oak provided the firm with a $1 million factoring facility to fund its working capital needs and increase hiring in support of its Federal Government contracts.\n“We’re honored to partner with these businesses dedicated to delivering groundbreaking aerospace systems to the US Department of Defense,” said White Oak Head of Government Contract Financing, Kysha Pierre-Louis. “Our ability to provide them with flexible financing essential to meeting contract demands, creating jobs and supporting their mission of keeping the country secure brings us great pride.”\nABOUT WHITE OAK COMMERCIAL FINANCE, LLC\nWhite Oak Commercial Finance, LLC is a global financial products and services company providing credit facilities to companies across the economy. WOCF’s solutions include asset-based lending, full-service factoring, invoice discounting, government contract financing, supply chain financing, inventory financing, US import/export financing, trade credit risk management, account receivables management and credit and collections support. The firm has offices and personnel throughout the US, UK, and Australia, including San Francisco, Charlotte, Washington D.C., Atlanta, Los Angeles, London, Glasgow, and Sydney. WOCF is an affiliate of White Oak Global Advisors, LLC, and its institutional clients. More information can be found at www.whiteoaksf.com/commercialfinance.\nAbout White Oak Global Advisors\nWhite Oak Global Advisors, LLC is a leading global alternative asset manager specializing in originating and providing financing solutions to facilitate the growth, refinancing and recapitalization of small and medium enterprises. Since its inception in 2007, White Oak Global Advisors’ disciplined investment process focuses on delivering risk-adjusted investment returns and establishing long term partnerships with our borrowers. For more information, visit www.whiteoaksf.com.", "label": "Yes"}
+{"text": "The Tax Cuts and Jobs Act has changed some of the rules for homeowners. Rest assured, however, your tax deductions when you file with the IRS can still be a sizable amount if you are planning to sell your home. Here are five things to consider.\nThese tax deductions are allowed as long as they are:\nYou can deduct any costs associated with selling the home, including\nRemember, you can’t deduct these costs the same way you would mortgage interest. You subtract these tax deductions from the sales price of your home, instead. This will positively affect your capital gains tax.\nRenovating a few rooms could fetch you a higher sales price. If you did renovate a few rooms to make your home, you could also deduct the upgrade costs. This includes:\nYou can deduct the expenses of any home improvements you needed to make in order to sell your home as selling costs. The catch, however, is that it all boils down to timing. These only count as tax deductions if they were made within 90 days of the closing.\nHave dutifully been paying your property taxes up to the point when you sold your home? Then, you get to deduct the amount you paid in property taxes up to $10,000.\nYou can deduct the interest on your mortgage, just like property taxes, for the portion of the year you owned your home. Remember, under the new tax code, new homeowners, and home sellers, can deduct the interest on only up to $750,000 of mortgage debt. Homeowners that received their mortgage before Dec. 15, 2017 can keep deducting up to $1 million.\nThe mortgage interest and property taxes are itemized tax deductions. This means that all of your itemized deductions need to be greater than the new standard deduction for it to work in your favor. The Tax Cuts and Jobs Act has nearly doubled the standard deductions to:\nCapital gains aren’t technically tax deductions. It’s an exclusion. You will still like it, however.\nCapital gains are your profits from selling your home. The profit is any cash that is left after paying off your expenses and any outstanding mortgage debt. These profits are taxed as income. There’s good news, however. If you’re single, you can exclude up to $250,000 of the capital gains from the sale. It’s $500,000 if you are married. The catch is you need to have lived in your home for at least two of the past five years.\nIt is always best to consult with a real estate accountant to be sure that you understand the tax benefits and tax deductions of selling a Florida home. Feel free to contact us for more information.", "label": "Yes"}
+{"text": "All businesses have some sort of operating cycles. This is basically the time it takes from the purchase of the required materials or supplies and turns it into a finished product that can be sold.\nA further operating cycle consists of selling products and collecting payment for all that effort. Once the products are sold and payment is collected, the cycle is complete.\nFor retail businesses (including online business), the cycle begins with the purchase of products for resale (inventory) and then displays the products on the shelves or on a web page, close the sale and collect payments.\nPeople can check various online sources to get working capital finance for small businesses.\nImage Source: Google\nEven service providers, though their operational period may be much shorter, often see the time gap between delivering services (including purchasing materials or manpower to complete the work) and receiving customer payment.\nThis is due to the time lag is that the working capital financing comes into play.\nAll these businesses need some form of asset, whether it supplies, materials, equipment, labor, etc. (usually called: current assets) that can rapidly flow through the operating cycle and converted into cash (income). This is essentially what the business.\nThe organization will then use the operating cycle income (gross margin) to fund payroll costs such as wages, promotions, debt payments and interest, capital investments, or remain general, administrative or distribution charges until payment (revenue) has been approved.\nThe problem that arises for most businesses (mainly small and growing businesses) do not have the cash on hand to buy the materials needed to complete the cycle of their operations. Not only are some businesses do not have the cash or capital to purchase the necessary materials they might not fully cover the cost of other variables related to the operating cycle such as paying for the labor, landlords, utilities, etc.", "label": "Yes"}
+{"text": "Investment panel: AI investment trends\nWithin the discussion, leading industry specialists will discuss key trends of artificial intelligence investments, will give recommendations on using opportunities provided by venture foundations, will show how to present your own product properly and many other things.\nKey topics of the expert panel:\nThe investment panel will involve representatives of venture foundations and startup accelerators: Galina Degtyareva (Maxfield Capital), Konstantin Vinogradov (Runa Capital), Denis Kalyshkin (I2BF Global Ventures), Lyubov Simonova, Arthur Nafikov (Target Global) and Daniil Kozlov (GVA).\nBesides the expert discussion, AI Conference will include Speed Dealing business meeting, allowing startup founders to present their projects in the form of brief pitch sessions to big investors, business angels, representatives of venture foundations and accelerators.\nSpeed Dealing is a perfect chance for developers to present their projects, obtain objective feedback from market experts and, perhaps, raise funding. In turn, investors will be able to get acquainted with the latest developments in the artificial intelligence and big data sector.\nThus, Speed Dealing will help prospective developments to enter Russian and global markets.Become a visitor\nJoin our subscribers and receive a 1000 RUB discount on a ticket\nApril 25, 2017 | Moscow\nNovotel Moscow City\nPresnenskaya Naberezhnaya 2, Presnensky District", "label": "Yes"}
+{"text": "The latest Recruitment & Employment Confederation (REC) JobsOutlook shows employers feeling more positive about their business prospects – and slightly better about the wider economy.\nIn April-June 2023, employers’ confidence in making hiring and investment decisions for their own business continued to rally. A net balance of +7 showed more businesses growing in belief than those who were doubtful. This measure moved into positive in the Spring for the first time since early 2022. Businesses’ views on the wider economy also got better but remained negative overall at a balance of -41 (April-June 2023). A higher-than-normal number of businesses answered “don’t know” to questions on hiring plans – perhaps reflecting doubt over this contrast between firms’ view of their own prospects and the wider economic picture.\nThe headwinds of inflation, interest rates and low growth are certainly making employers cautious when forecasting demand for staff. JobsOutlook shows demand in the next three months for permanent workers unchanged at +18 and for temporary workers at +8. Medium-term (four to 12 months) forecast demand for permanent workers dropped to +16 from +20 during February-April 2023 and for temporary workers it is in negative territory at -8.6. The contrast of growing confidence in their own business but caution on hiring decision-making reflects the unpredictability of the wider economic picture.\nNeil Carberry, Chief Executive of the REC, said:\n“Businesses across the country are clear that they believe in their business and its plans – and they are continuing to hire. But concerns about the wider economic picture are slowing some decisions or reducing them in scale. While the overall picture of demand from employers remains very robust, the more that can be done by government to articulate a clear plan for growth, the more likely it is that firms will be willing to back their belief in their own business over concerns about the wider economic weather. An effective industrial strategy designed to boost competitiveness, investment and employment should be a key part of this, including major issues like childcare, transport, immigration and welfare-to-work support. All of these have a significant effect on labour supply and growth potential.”\nYou can find out more here – http://bitly.ws/PqcT", "label": "Yes"}
+{"text": "There are 4 engines to choose from, with a brand new electrical one coming quickly. three. Capital – business owners ought to have a certain quantity of their very own private equity invested. This demonstrates confidence and provides banks the assurance that you’ll see the operation by a monetary issue.\nCheck on expiration dates. Some rewards programs discontinue after a particular amount of time or by on a predetermined date. * The mortgage that you’ve taken should be conforming and assured by Fanny Mae or Freddie Mac (both are government-sponsored establishments).\nYour interests are actually not their objective generally.\nDefinitely there is no painless approach to resolve what financial institution is greatest. Most have several rewards equivalent to low mortgage charges and excessive rates of interest and low person fees. In lots of instances if one bank has a positive facet that you may find irresistible they may have one other half that may be much less attractive. What’s one of the best bank for you when you are studying the best way to manage cash? Let’s go through these tips about budgeting and picking a bank.\nShort on cash, and have to stay at residence?\nHouse mortgages which are to be paid over a long period of time can be quite a burden. If you intend to pay your own home mortgage in a shorter span of time and are willing to pay a larger month-to-month installment, then you may repay your current house mortgage with the help of a brand new refinanced loan. Be certain that the brand new mortgage you’re taking to refinance is one which spans over a shorter time period and this manner you will be able to complete paying the mortgage on your own home a lot sooner.\nIn the least doable length the money gets transferred into your bank account. Though it is helpful to have the ability to spot these individuals, you additionally want to concentrate on the truth that others can be motivated by utterly totally different points. These of you who preach and train, take these three words starting with the same letter and your individuals will remember what’s so central and vital. Present your people with the information about Jesus Christ.", "label": "Yes"}
+{"text": "According to experts, a good rule of thumb is to have the equivalent of your annual salary in savings by age 30. That means, if you earn $50,000 a year, you could aim to have $50,000 in savings by the time you hit 30.\nThat amount includes any retirement account contributions, matching funds from your company, cash savings or money you have invested elsewhere, in index funds or robo-advisors.\n\"While this can sound super daunting today, if you're putting that money to work starting in your 20s, it's not as difficult as it sounds,\" says Kimmie Greene, money expert at Intuit and spokeswoman for Mint.com.\nHere are six strategies to start in your 20s that will help you reach that goal by 30.", "label": "Yes"}
+{"text": "Red Bank, NJ (PRWEB) March 28, 2013\nGarden State Securities is pleased to announce that Karl Snyder has joined the firm as their new Chief Market Strategist. Karl comes to GSS with over 12 years of financial industry experience holding his series 66 and 7 licenses as well as being a series 86/87 licensed research analyst. Karl holds the Chartered Market Technician designation and is a member of the Market Technicians Association.\nKarl started his financial career as a Registered Investment Advisor with American Express Financial Advisors. Prior to joining GSS, Mr. Snyder worked for several boutique firms as a Registered Investment Advisor; it is here where he began his study of technical analysis to oversee client portfolios within capital markets. He focuses on intermarket analysis with an emphasis on sector rotation and the impact on the financial markets.\nKarl attended Rutgers University, he served four years in the United States Marine Corps. His USMC achievements include - Armed Forces Expeditionary Medal, Meritorious Unit Commendation, Expert Rifle Badge, National Defense Service Medal, Good Conduct Medal, Meritorious Mast (awarded three times), and the United Nations Medal.\nMr. Snyder lives in Easton, Pennsylvania with his wife and three children. He is an avid runner, having completed four marathons and is currently training for his fifth. Karl is an active member of the Marine Corps League and participates in the College Hill Neighborhood Association.", "label": "Yes"}
+{"text": "Choosing a career in actuary makes a real difference!\nAbout accounting Jobs\nBrowse accounting jobs in West Medford, MA (02156) to the right. We are constantly updating our jobs database with various accounting opportunities near West Medford, MA.\nNearby zip codes:\naccounting Jobs in Medford (02155)\nOther accounting Jobs in West Medford:\naccounting Jobs in West Medford\nAuditor Accounting Work\nLocated in Concord, MA. Work for usajobs.gov. Work Details: The 24 Hours May Include Up To 6 Hours Of Credit In Business Law. (1) Twenty-four Semester Hours In Accounting Or Auditing Courses Of Appropriate Type And...\nPart Time Bookkeeper Accounting Jobs\nLocated in Concord, MA. Work for Indeed. Jobs Details: Creating And Issuing Monthly Member Statements, Accounts Payable And Receivable, On-line Banking, Bank Deposits And Monthly Bank Statement Reconciliation,...\nAccounting Assistant Accounting Job\nLocated in Concord, MA. Work for Indeed. Job Details: Perform Adjusting General Ledger Journal Entries. Process & Record Customer Credit Card Payments. Assist With AP & AR Transactions, Including Data Entry, Cash...\nInternal Auditor Accounting Job\nLocated in Somerville, MA. Work for Indeed. Job Details: Thorough Knowledge Of Generally Accepted Accounting Principles, Promulgation’s Of UMAS, Governmental Accounting Standards Board (GASB), And GAAP Accounting...\nStaff Accountant, Lexia Learning Accounting Jobs\nLocated in Concord, MA. Work for Lexia. Jobs Details: This Person Will Be Responsible For A Combination Of Daily Accounts Receivable Functions Including The Auditing Of Purchase Orders, Reviewing, Creating Invoices...\nFinancial Analyst Accounting Position\nLocated in Boston, MA. Work for Amazon.com. Position Details: This Role Requires The Ability To Interact Confidently With Cross-functional Teams And Senior Leadership....\nAccounting Manager Accounting Career Opportunity\nLocated in Concord, MA. Work for Indeed. Career Opportunity Details: Manage Day-to-day Accounting Activities To Ensure Timeliness, Accuracy, And Internal Controls, As Well As Month End Close Process (including Review Of Journal...\nAccounting Associate Accounting Job Opportunity\nLocated in Burlington, MA. Work for Indeed. Job Opportunity Details: Process The Daily Journal Vouchers And Batch Entries For EasCorp And Its Subsidiary Company. Serving Hundreds Of Credit Union Members Throughout The United...\nAccounting Technician Accounting Jobs\nLocated in Cambridge, MA. Work for usajobs.gov. Jobs Details: Verifies Accuracy Of Vendor Invoice, Reviews Supporting Documentation, Determines Whether Partial Or Full Payment Is Being Requested....\nAccounts Receivable/revenue Accountant Accounting Job Availability\nLocated in Boston, MA. Work for Commonwealth of Massachusetts. Job Availability Details: Ideal Candidate Will Have Knowledge Of State Budgeting And Financial Accounting Systems. Review Of Accounting Practices To Ensure Conformance With Reporting And...\nEmployer: Commonwealth of Massachusetts\nAccounts Payable Accountant I Accounting For Hire\nLocated in Andover, MA. Work for Indeed. For Hire Details: High Volume (500+ Invoices Weekly) Processing In A Manufacturing Environment Preferred. Understanding Of Full Cycle Accounts Payable Process(Vendor Creation To...\nStaff Accountant Accounting Career Opportunity\nLocated in Bedford, MA. Work for Augmenix. Career Opportunity Details: Preserve Account Receivable And Account Payable Balances By Creating And Sending Invoices And Matching Purchase Orders, And Packing Slips To Invoices Prior To...\nGeneral Accountant Accounting Job Availability\nLocated in Lowell, MA. Work for University of Massachusetts Lowell. Job Availability Details: Analyze, Review And/or Prepare Entries And Enter To PeopleSoft General Ledger. Analyze Accounting Activity And Perform Account Reconciliations For Controller...\nEmployer: University of Massachusetts Lowell", "label": "Yes"}
+{"text": "If you feel ready to start a business in Iowa, there are a few steps you’ll need to follow. No matter what your idea is or whether you have any entrepreneurship experience in the past, you’ll need to make sure that your business is structured properly, and you have the right tax ID numbers to ensure your company is operating legally. Iowa is an unexpected hotbed of economic activity. There are more than 267,000 small businesses in the state, representing 99.3 percent of all Iowa businesses. Together, they employ nearly half of Iowa’s workforce, at a total number of employees more than 646,000. In 2018, those small businesses created nearly 18,000 net new jobs, and contributed more than 2,600 small business exporters.\nApply Online by Choosing Your Entity Type\nSteps to Obtaining a Tax ID (EIN) Number and Registering an Iowa Business\n- Forming a Business in Iowa\n- Federal Tax ID (EIN) Number Obtainment\n- Iowa State Tax ID Number\n- Localized Licenses and Permits in Iowa\nChoosing how to form your business is one of the most important early decisions you’ll make for your business. Getting started, there are many factors you’ll want to consider when choosing a business structure. For example, you’ll want to consider the requirements for starting and managing the business in question. Sole proprietorships and partnerships are among the simpler businesses to start, since they’re subject to fewer rules, regulations, restrictions, and annual requirements. Limited liability companies (LLCs) are slightly more complicated, and corporations can get messy. This is mostly because corporations come with a number of extra perks, including the ability to issue public shares to raise funds.\nTaxes are another major consideration. Sole proprietorships and partnerships are taxed simply; you’ll owe taxes as an individual on any money you make from the business. LLCs and corporations are treated as separate entities, so they get more complicated. LLCs are generally considered pass-through entities; they won’t be taxed on the income they generate, but individuals in the LLC taking a salary or profits will be taxed on whatever they withdraw from the business. In Iowa, LLCs will be required to file a biennial report, along with paying a fee that ranges from $30 to $45, depending on how you file. Corporations will need to pay taxes on any revenue they generate, resulting in double taxation, since individual owners and shareholders will also need to pay taxes on money they make from the business. In Iowa, the corporate income tax rate is currently 12 percent, though it will be reduced to 9.8 percent in 2021. This makes it the highest corporate tax rate in the nation.\nBusiness owners should also think about liability issues. In sole proprietorships and partnerships, owners will take on all debts personally, and could be held liable for any actions taken on behalf of the business. LLCs provide a bit of liability protection, but corporations provide much more protection. Both these separate legal entities can take on debts independently, and can be held liable (instead of an individual) for actions taken by the company.\nYour Iowa business will probably need a federal tax ID number. This distinct, 9-digit number serves to uniquely identify your business, kind of like a social security number. It’s given to your business when you register with the federal government, and is sometimes called an employer identification number (EIN). You’ll need this number if you’re going to hire employees, if your business has multiple partners, if you’re going to open a business bank account, or if you’re applying for a loan, a business license, or a permit.\nThe most efficient way to get your federal tax ID is to make use of our federal tax ID number obtainment services. Through us, you can apply online, which makes the application process as quick and straightforward as possible. Simply answer a few questions about you and your company, and you’ll get your tax ID via email in an hour or less.Apply for an Iowa Tax ID Number\nYour Iowa business may also need an Iowa state tax ID number. This number registers your business with the state government, rather than the federal government, but also serves as a unique identifier for various applications. You’ll need an Iowa state tax ID number if you’re selling taxable goods and services in the state, if you’re hiring Iowa employees, or if you’re going to owe excise taxes on regulated goods like gasoline, alcohol, or tobacco.\nYou’ll need a federal tax ID number before you get an Iowa state tax ID number, so make sure to get that first. When you’re ready, use our Iowa state tax ID number obtainment services to apply online. Answer a few quick questions about your business, and you’ll receive your Iowa state tax ID in a matter of 4 to 6 weeks.\nWhen starting a business in Iowa, you may need specific business licenses, permits, or other kinds of certification. There is no generalized business “license” that you need; instead, you may need one or more of hundreds of licenses and permits that vary based on the size, location, and industry of your business. Because these requirements vary from city to city, there’s no one set of standards for you to follow. Instead, you’ll need to reach out to your local Chamber of Commerce to see which licenses and/or permits apply to you. Be sure to have your federal tax ID number ready if you’re going to submit an application.\nOver the past 20 years, the state’s equivalent of gross domestic product (GDP) grew more than 50 percent, outpacing national growth. Some of the biggest contributors to that economic growth were businesses in industries like healthcare, social assistance, accommodation and food services, manufacturing, retail trade, and construction. However, due to the diverse selection of both rural and urban opportunities for development, there is an economic precedent for virtually any startup entrepreneur to choose Iowa as a home base.\nWith our federal tax ID number and Iowa state tax ID number obtainment services, you can get your tax ID numbers as quickly as possible. Make the process easy on yourself, and get started today!", "label": "Yes"}
+{"text": "By The Hospitable Team\nListing your vacation rental on Airbnb, Booking.com, or Vrbo is a wonderful way of getting some income from a property that you don’t expect to use all the time. But one of the biggest responsibilities facing any host or property manager is vacation rental property maintenance.\nIf you have been struggling to meet all your maintenance responsibilities, this post is for you. It will help you understand the basic steps you need to take to avoid costly repairs and keep a pleasant living environment for your guests.\nRepairs vs. Maintenance of a Rental Property\nPlanning for regular rental property maintenance allows you to set aside a portion of your rental income for upkeep. Then you can perform routine maintenance on time, and that’s important for keeping your rental in good condition.\nIf you neglect ongoing maintenance, it often results in bigger problems, which can be solved only with more extensive and costly repairs. For example, if you don’t fix that small leak in the roof, it can eventually lead to structural issues or extensive mold damage. So if you’re looking to save, don’t skimp on maintenance.\nThat also means that you might need to hire a co-host, a cleaner, a plumber, and an electrician to help you maintain your property. Then you can benefit from using short-term rental software like Hospitable.com that allows you to streamline your operations and automatically assign tasks to your team.\nTeam management taken to the next level.\nRemember: if you don’t pay expenses for upkeep, waiting till the last minute may result in higher maintenance costs. And a little bit of regular maintenance can go a long way toward preventing many Airbnb problems. But how much should you plan to spend? Let’s find out.\nRental Property Maintenance Expenses\nMaintenance expenses for vacation homes include plumbing, lawn care, electrical and roof repairs, painting and flooring, pest control, and replacement of worn-out appliances. Homeowners must also pay premiums for hazard insurance. That helps protect the property owner from damage to the home caused by natural events, such as fires, severe storms, tornados, and earthquakes.\nDetermining how much money you should allocate for rental property maintenance expenses can be tricky. There are different approaches to estimating the annual maintenance costs on rental properties, but each rule results in similar numbers, and the overall goal is the same. You should ensure that you have enough money for routine maintenance and unexpected emergencies.\nDepending on the type of your vacation rental property, you may consider a few top rules:\n- 1% Rule: Set aside 1% of the property value a year to address rental maintenance expenses. So, if your rental property is valued at $250,000, then maintenance will cost around $2,500.\n- 50% Rule: Set aside half of your rental income each month for repairs, maintenance, taxes, insurance, and other costs related to your property.\n- Square Footage Rule: Set aside $1 per square foot for annual maintenance costs. For example, if you own a 2,000 square-foot rental property, you will need $2,000 of maintenance costs a year.\nA rental maintenance budget will also depend on whether you opt to do most maintenance yourself or hire a team. You should do an honest assessment of your skills and availability before making this decision. It may be tempting to save money and go the DIY route on rental maintenance, but you may find that your time is better spent on other aspects of the short-term rental business.\nWhy Do You Need Rental Property Maintenance Checklist?\nRoutine maintenance is necessary for several reasons. First, you can prevent larger issues from developing and minimize the need for emergency repairs, which are a hassle and a costly setback for any property owner. Preventative maintenance will prolong the life of your property and the appliances and reduce the overall maintenance cost.\nSecond, your guests want a pleasant stay in a perfect home. So you should keep your rental property in good working order. Then they will be happy that you are a responsible host who goes the extra mile to create a safe and pleasant environment for them. And they are more likely to give you 5-start reviews.\nBesides, by law, rental property owners must maintain certain health and safety standards, including keeping major systems in working order. That means you need to perform regular property inspections to ensure that everything is okay.\nA rental inspection checklist is the most effective way to prevent minor things from turning into more significant issues. Also, a routine rental property maintenance checklist can help ensure that you don’t forget an essential part of a regular inspection.\nAirbnb Maintenance: What Are Host’s Responsibilities?\nBuilding a successful Airbnb business requires a lot of effort, patience, and proper rental property maintenance. Here are some important tasks that you need to do regularly, although this checklist is not exhaustive:\n- Inspect for pests quarterly, if not monthly, to keep your home pest-free.\n- Test smoke and carbon monoxide detectors and regularly replace the batteries.\n- Check for water damage or leaks to prevent mold.\n- Inspect sink, shower, and bath caulking for deterioration.\n- Service heating and cooling systems twice a year.\n- Replace filters in ducts and air conditioning systems every three months.\n- Flush the water heater twice a year.\n- Inspect the roof and clean gutters.\n- Ensure door and window locks are secure.\n- Check common areas for potential hazards.\n- Prune trees and shrubs.\n- Clean your property before and after each booking.\nYou should also create rental maintenance schedules for bigger projects, such as repainting walls or replacing carpets. With proper Airbnb maintenance, you’ll make your guests happy and will be able to keep emergency maintenance requests to a minimum. But if maintenance issues happen, your guests will expect you to take action immediately.\nYou also need to be responsive and answer your guests’ questions as fast as possible. Airbnb messaging is one of the most important aspects of running a short-term rental business, which can involve questions around the clock.\nBeing available to your guests 24/7 can be challenging, especially if you manage multiple listings. But with Hospitable.com, you’ll be able to take advantage of the next-level messaging automation and automate many other aspects of your business.\nAll your STR business in one convenient window\nStart now with a 14-day free trial.\nIt’s important to be prepared for any situation related to your vacation rental property maintenance. Don’t ignore maintenance issues. It’s always best to be one step ahead and set a planned rental property maintenance schedule. Otherwise, you may run the risk of having to fix more costly and time-consuming issues that may appear unexpectedly.\nCo-hosts help Airbnb listing owners take care of their rental property and guests. They’re often a family member, neighbor, trusted friend, or someone the host has hired to help with the listing. Read this post to discover how to make Airbnb co-hosting effective and efficient.\nIt’s your responsibility as a host to make your place safer for guests and ensure they will access help in case of emergency as quickly and easily as possible. Read this article to learn what you can do to minimize safety risks to guests and provide them with the necessary information.\nWhen you have back-to-back guests at your short-term rentals, it can be stressful to make sure your cleaners are at the ready at the right time. With hospitable, you can automatically notify your cleaners and avoid that stress altogether.", "label": "Yes"}
+{"text": "Milford is a boutique investment firm that provides a range of investment products and services designed to help clients meet their specific investment objectives. Milford was formed in 2003 by an experienced group of individuals who recognised the need for an investment company that New Zealanders can trust and which provides a premium service.\nToday, the Milford team comprises more than 50 passionate and talented individuals across offices in Auckland and Sydney who are solely focused on helping their clients achieve their investment goals. Milford currently has over $4 billion of funds under management and offers a range of services and funds. Discover more about Milford on their homepage found here.\nPlease confirm that you have read our Product Disclosure Statement before entering your details into our online Application Form.", "label": "Yes"}
+{"text": "In 2010, 102 million smartphones were shipped. This year, manufacturers are eclipsing the number by more than 50 million, a gain of 40 percent. But who are the winners? Certainly, we can count on Apple considering their outstanding earnings as well as Android.\nIt’s no secret that smartphones are become more prevalent in the world since smartphone demand is rising and costs have been set low for the handhelds. Shipments advanced to 158 million units from 102 million a year earlier, exceeding IDC’s forecast for a gain of 40 per cent. So who are the winners?\n- The iPhone 4S – Apple sold 37 million iPhones last quarter\n- Apple’s share of the global smartphone market jumped to 24 per cent from 16 per cent a year earlier, regaining its top spot from Samsung, which had overtaken the iPhone-maker in the third quarter.\n- Samsung’s share climbed to 23 per cent in the fourth quarter from 9.4 per cent a year earlier\n- Nokia and RIM, both of which are struggling to reverse slumping sales with new phone operating systems, saw their respective share shrink.\n- Nokia’s share fell by more than half to 12 per cent from 28 per cent a year earlier, and RIM’s dropped to 8.2 per cent from 14 per cent.", "label": "Yes"}
+{"text": "An Italian governor grabs for Amazon’s bulging swag-bag\nAmazon and other huge on-line marketers have made out like the proverbial bandits since COVID more or less shut down their competition. Now, in Italy at least, the revenooers are coming to claw a little back, just in time for Christmas.\nActually, not so little. This morning Rome’s La repubblica reported that Alberto Cirio, the president of Italy’s heavily industrialized province Piedmont, has introduced a bill to introduce a supertax on the proceeds of web-based businesses grossing more than €5.5 million a year in Italy and €750 million worldwide. He called on governors of other Italian provinces to do the same. If four of them do, the tax could become law for the entire land.\nCirio’s basic proposal makes no direct reference to COVID, but its intended effect is spelled out clearly. By raising the base tax on gross revenues from 3% to 15%, he expects to raise the current tax bite of an annual €750 million to €5.5 billion (6.5 billion dollars).\nBut his “Step 2” goes on to levy another 15% on gross revenues as long as Italy’s current lockdown lasts, specifically to relieve the losses of commercial enterprises forced to close as the giants of on-line commerce have made hay while the plague reigns.\nTo immediate cries that he’s over-reaching the powers of his office, Cirio said:\n“I am a liberal [in economic policy]; but to be one has to mean guaranteeing that everyone starts from the same point. Why has e-commerce increased its sales 31% since the beginning of the year? Not because it’s done such a good job[literally: “has been a good boy”] , but because the competition is kept from [competing], due to Government decisions made to look after the health of the public—in other words, due to a distortion [of the marketplace]. It is this distortion which our proposal is intended to correct.”", "label": "Yes"}
+{"text": "The January 31 deadline for filing tax returns on line is fast approaching and this year late filers will suffer increased penalties. Taxpayers will also find that the rules surrounding when penalties are issued have been tightened up making a penalty harder to avoid.\nThese changes are part of the wider penalty regime that is gradually being introduced by HMRC. The aim of these rules is to impose consistent penalties across the taxes and to change taxpayer behaviour. HMRC claims that the previous rules failed to act as a deterrent and it hopes the harsher penalty system will encourage people to submit returns as soon as possible.\nUnder the new framework, the initial penalty for those who miss the January 31 deadline remains at £100 as in previous years. If the return remains outstanding after three months, a penalty of £10 a day will be imposed by HMRC and this will be applied for a maximum of 90 days. After six months a tax-geared penalty arises, this being the greater of 5 per cent of the tax due or £300.\nIf the return is still outstanding after 12 months a further fine of 5 per cent of the tax due or £300 will apply. In serious cases, the penalty after a year can be up to 100 per cent of the amount of tax due.\nIf a partnership’s return is late, penalties will become due for every partner in the firm and this could be in addition to any fines for the late filing of partners’ individual returns.\nThe old penalty regime capped the amount of penalty which could be levied at the amount of tax outstanding at January 31. This allowed a taxpayer to make payment of their tax by the deadline to avoid a penalty for late filing.\nAny individual who was not due to make a tax payment or was due a repayment also did not face a late filing penalty. This is no longer the case and penalties will arise regardless of whether any tax is due after January 31.\nThe new rules will mean a return that is not filed until August will attract the initial fixed penalty of £100, a total of £900 in relation to daily penalties and a penalty of £300 or 5 per cent of the tax that was due. This results in a charge of at least £1,300 even if no tax was payable!\nAs well as being the deadline for filing returns online, January 31 is the date that any tax payments become due. Penalties will apply for tax paid late in addition to those for late returns. If tax is paid thirty days late an initial penalty of 5 per cent of the tax unpaid at that date will be due, if paid six months late a further penalty of 5 per cent of the outstanding tax will arise and after twelve months an additional penalty of 5 per cent of the tax still unpaid will accrue. These penalties are in addition to the interest charged on all outstanding amounts, including unpaid penalties, until HMRC receives payment.\nTaxpayers who fail to adhere to the deadlines may find this a costly experience under the new regime. Our tax department can provide support in all aspects of tax compliance and planning. If you require further information please telephone Mairi Drummond on 01573 224391 or email firstname.lastname@example.org.", "label": "Yes"}
+{"text": "Benazir Income Support Program Registration Online 2023\nBenazir Income Support Program Govt of Pakistan\nBenazir Income Support Program Registration 2023 Pakistan BISP The most well-known agency of the Pakistani government is the Program. The purpose of this program is to help the poor areas of Pakistan and provide financial assistance to the people who live in the poor areas of Pakistan. They have to give financial assistance so that they can make themselves financially strong. In the Benazir program, flood victims will also be eligible, widows will also be eligible so that they do not feel alone.\nYou Can Also Read: Benazir Income Support Program\nRather, by getting a little money assistance, they can spend something well, so the Benazir Income Support Program has started receiving new payments from those people who have not yet received their assistance from the Benazir Income Support Program. They can get their aid amount in this program. You will be told different ways to register in the Benazir Income Support Program and you will be told different ways to get the aid money through which you can easily register yourself in this program and get your aid money.\nHow to Apply for the Benazir Income Support Program\nIf you want to apply to the Benazir Income Support Program, then this method will be explained to you with the explanation of how you can apply to the Benazir Income Support Program and get your assistance amount in this program. The method of applying to this program is very easy and will be explained to you clearly. While applying, you have to take care of the important things that will be told to you further.\nنااہل افراد کے لیے خوشخبری بی ائی ایس پی پروگرام میں حکومت پاکستان نے نیو پیمنٹ دینا شروع کر دی ہے وہ افراد جنہوں نے ابھی تک اس پروگرام میں اپنی امداد کی رقم حاصل نہیں کی تو انہوں نے ایک نیا طریقہ لانچ کیا ہے جس کے ذریعے ہر شخص اسانی سے اس پروگرام میں اپنی پیمنٹ رسیو کر سکے گا ۔یاد رہیں اس بارے پیمنٹ ریسیو کرنے کا طریقہ بھی مختلف ہے اس بارے لوگوں کو امداد کی رقم ان کے بی ائی ایس پی کارڈ کے ذریعے مہیا کی جائے گی یاد رہیں اپ کے پاس بی اے ایس پی کارڈ کا ہونا ضروری ہے اپ کو وضاحت کے ساتھ بتایا جائے گا اس ارٹیکل میں اپ کس طرح اس پروگرام میں بی ائی ایس پی کارڈ کے ذریعے اپنی پیمنٹ ریسیو کر سکتے ہیں\nYou have to follow these listed eligibility factors. Remember, when you qualify for this program, you have to follow the criteria to qualify for this program, if you are poor, or deserving, then that’s fine. If you belong to a good family then you will not be eligible for this program. The registration procedure for this program is easy, you have to visit the BISP center in your local area to apply. You can easily register by going to. yourself in this program.\nYou Can Also Read: BISP New Payment September\nBISP Tehsil Office\nIf you want to register for the BISP program, the government of Pakistan has opened SP Tehsil Offices in every district. It was challenging for them, that’s why the government of Pakistan has created a tehsil office so that they can solve their problems. Their problems will also be solved and those people who had payment issues will also have all their problems solved in this program.\n|نام *شناختی کارڈ نمبرموبائل نمبر (سال)عمر *گھرانہ کے افراد *دس سال سے کم عمر بچوں کی تعداد *ازدواجی حیثیت *شادی شدہغیر شادی شدہبیوہمکمل پتہ *بھیجیں|\nEveryone will now be able to get their payments easily and quickly. Remember that no payment of any kind is taken from you in the office, so if any representative collects money from you in the office of BISP, then you should go to the official website of BSP and submit your application against him. Your request will be processed immediately.\nBSIP 8171 Web Portal\nThe problem is that there is also a program, if you want to register yourself, then this method will explain to you, how you can register yourself in this program through the web portal because there are many people who still have reasons for not registering in the ISP program is that they also do not know how to register in the BISP program, so they miss out on getting their aid money.\nThe government of Pakistan has created a new method through which everyone can easily register themselves in this program through the web portal. In the web portal, you have to enter your CNIC, the complete address of your house, and all the information you have to enter on this form. After clicking on you will be eligible for this program. Once you are eligible for this program, you can collect your grant money from any BISP center in your local area. can get assistance money from any branch.\nBISP Card Program Registration\nA new update from the government of Pakistan on the BISP program is that those people who are eligible for the BISP program will be provided with the aid amount through the card. Those persons who do not have a BISP card will not be eligible for this program. Note that this requires you to visit a BISP office to be eligible for the card program.\nAfter going there, you also have to take a form from the BISP representative, on this form you must enter all your information. Once you are eligible for this program you have to collect your grant money from any BISP in your local area officer any money problem is felt at night. You can collect your grant money from any HBL branch in your area.\nEligibility Criteria of the BISP Program\nIndividuals who wish to qualify for this Benazir Income Support Program Registration will be admitted to the program and given financial assistance, subject to the condition that they meet the criteria.\n- Individuals who want to qualify for this P program will need to follow the listed factors.\n- This program will address those whose monthly income is less than 40,000.\n- Widows will also be eligible for this program.\nAttacking women will also be addressed in this program.\n- However, if they are not eligible for this program,\n- Then those whose household members are attached to government institutions will also not be eligible for this program\n- And those whose property is less than two acres. will not be eligible for this program.\nBenefits of the BISP Program\nThere are many benefits of the Benazir Income Support Program Registration. One of the benefits of this program is that the flood victims are being given financial assistance, camps have been set up for them to live, and people have come from rural areas. Animal fodder has also been arranged for them. Assaulted women will also be eligible under this program.\nThey outlive foreigners by more than 60 years.. Those people will also be settled under this program. If you also want to click here in this program, first of all, you have to go to any BISP office in your local area and you have to register there or you have to reach there. When you go, you will see the registration form. On this form, enter your CNIC, the complete address of your home, and all your information.", "label": "Yes"}
+{"text": "The second setting for all payment provider settings is: Visibility - Consumers, B2B, or both. Through this setting you can show specific payment options to your consumers or B2B customers.\nIn most cases, you can leave this setting on Consumer and B2B by default. If your customers and B2B customers have other payment providers, follow the instructions below.\nTo show payment options only to business customers, you need to set the CUSTOMER TYPE to Business for all B2B customers. Read Managing Customer Accounts for instructions.\nYou must have already added a payment provider to your eCom store.\nSelect Settings in your eCom administrator.\nSelect Payment Methods under Payment Settings.\nSelect a payment method.\nPut Visibility on B2B at the top of the page.\nRepeat these instructions, but set the visibility to Consumers to ensure that both types of customers can buy from you.\nTest your checkout to verify your changes.\nSell to consumers and businesses for information about what we mean by experiences.\nConfigure B2B Features for information on how to configure the different experiences through the available eCom features.", "label": "Yes"}
+{"text": "Petrofac Limited (OTCMKTS:POFCY – Get Rating)’s share price crossed below its 50-day moving average during trading on Wednesday . The stock has a 50-day moving average of $0.75 and traded as low as $0.73. Petrofac shares last traded at $0.73, with a volume of 1,065 shares.\nAnalyst Ratings Changes\nPOFCY has been the subject of several recent research reports. The Goldman Sachs Group initiated coverage on shares of Petrofac in a report on Thursday, May 5th. They set a “buy” rating for the company. JPMorgan Chase & Co. raised their target price on shares of Petrofac from GBX 170 ($2.08) to GBX 180 ($2.21) in a report on Monday, May 23rd. Berenberg Bank raised shares of Petrofac from a “hold” rating to a “buy” rating in a report on Tuesday, May 3rd. Finally, Exane BNP Paribas raised shares of Petrofac from a “neutral” rating to an “outperform” rating and set a GBX 140 ($1.72) target price for the company in a report on Friday, April 8th. Six research analysts have rated the stock with a buy rating, According to data from MarketBeat.com, Petrofac presently has an average rating of “Buy” and an average price target of $160.00.\nPetrofac Price Performance\nThe company has a debt-to-equity ratio of 1.58, a current ratio of 1.39 and a quick ratio of 1.38. The business’s fifty day simple moving average is $0.75 and its two-hundred day simple moving average is $0.78.\nPetrofac Company Profile\nPetrofac Limited designs, builds, manages, and maintains infrastructure for the energy industries in the United Kingdom, Algeria, Thailand, Oman, Kuwait, Iraq, the United Arab Emirates, the Netherlands, and internationally. It operates through three segments: Engineering & Construction (E&C); Asset Solutions; and Integrated Energy Services (IES).\n- Get a free copy of the StockNews.com research report on Petrofac (POFCY)\n- Is it Time to Tap Molson Coors or Will Beer Sales Turn Flat?\n- There Are Different Types of Stock To Invest In\n- Is Starbucks Shooting For The Moon?\n- PayPal Continues To Struggle As Competition Increases\n- Two High-Yield Deep-Values You Shouldn’t Ignore\nWant More Great Investing Ideas?\n- Bear Market Game Plan!\n- The 10 Best Stocks to Own in 2022\n- 7 Stocks to Buy and Hold Forever\n- 3 Stocks to DOUBLE This Year\nReceive News & Ratings for Petrofac Daily - Enter your email address below to receive a concise daily summary of the latest news and analysts' ratings for Petrofac and related companies with MarketBeat.com's FREE daily email newsletter.", "label": "Yes"}
+{"text": "Customers who buy from our online store at www.dubarryboots.com can pay for purchases using most major credit or debit cards, including MasterCard, Visa credit card, Visa debit card, Maestro and Discover. We do not accept American Express, PayPal, cheques or postal orders on www.dubarryboots.com. We use the SagePay payment gateway combined with an Elavon Merchant Services account to process payments for all of our online orders.\nYour card payment details and the transaction value is processed in full at the point of order. The card details are held and managed by SagePay, the payment gateway provider, throughout the payment process.\nYour credit card details will be encrypted for security purposes. In order to ensure maximum security on your account, you will never be asked for your username, password or credit card details via emails, pop-ups, or for any purpose other than registering or placing an order on www.dubarryboots.com.\nYou may incur a credit or debit card charge when purchasing from www.dubarryboots.com. This charge is applied by your card provider. It is advisable to establish if this is the case with your provider before purchasing goods from www.dubarryboots.com.\nRead more here about secure online shopping.\nMy credit/debit card was declined while trying to order online, what will I do?\nIf your credit or debit card transaction was declined during the www.dubarryboots.com, please try ordering again using another card. For details on why your card was refused, please contact your card provider.\nFor all enquiries about the fulfillment of payments, please email firstname.lastname@example.org, quoting your order number.", "label": "Yes"}
+{"text": "Should You Invest in Exchange Traded Funds?\nThere are thousands of ETFs available. Should you invest in them?\nHave A Question About This Topic?\nOne way to find money is to examine your current spending habits and eliminate money wasters.\nWhether you have life insurance through your work or are retired it pays to know the truth about life insurance coverage.\nA four-step framework for building a personal legacy.", "label": "Yes"}
+{"text": "Earn $10 rewards* for every 400 points earned at all FULLBEAUTY Brands. 20% off birthday coupon^ & double points during your birthday month. Free shipping 4 times a year.\nBrylaneHome Credit Card is designed for frequent users of BrylaneHome. Comenity Bank is the issuer of Brylane Home Credit Card. Beginning in 1998, Brylane Home is dedicated to providing colorful, comfortable, classic design, distortion and exceptional value. You can provide your home with a unique personal style. This brand provides customers with a type of Credit Card. They cover the main business of the brand. As for the specific situation of the cards, we will elaborate on it in the following text.\nThe benefits of BrylaneHome Credit Card:\n1. BrylaneHome Credit Card can be used to enjoy membership benefits\n2. Earn a $10 reward. n any FULLBEAUTY brand, you get 2 points for every dollar you spend. For every 400 points, you can get the certificate of $10 reward, which you can exchange in BrylaneHome\n3. Get a 20% discount on your order if you get a birthday coupon. Double bonus points are awarded each time you order in the birthday month\n4. Free delivery four times a year\n5. Annual exclusive membership discount\n6. No annual fee\n7. Easy online account management\n8. Buy now and pay later\n9. Fraud protection\n10. Use your BrylaneHome platinum Credit Card for any FULLBEAUTY brand: Woman Within, Roaman's, Jessica London, KingSize, BrylaneHome, fullbeauty.com\n11. The account opened in your birthday month or last month will receive a birthday discount in the birthday month of the next calendar year. Must have a valid email address U.S. residents in the United States, or visit https://www.brylanehome.com/ for updates for birthday discount. Must be purchased within the last 12 months and must have a reputable account in order to receive a birthday discount.\n12. During these free shipping activities, when you use the BrylaneHome Credit Card, the goods will be discounted and the freight will be free when the order reaches $99.\n13. The standard variable APR is 28.99%, based on the best interest rate. The minimum interest rate for each credit plan is $2.00.\nCards Expert is ONLY a website that centers on credit cards comparison and review. There is no place to type your credit card number or check any details of your credit card bill pay!\nHere you can see something about pros and cons of credit card, credit card payment and other questions about credit card .You can compare all knids of credit cards through our website, and know the credit card that works best for your lifestyle.\nWe provide free but advertising supported comparsion service for different credit cards, the offers that appear on this site are from third party advertisers from which we receives compensation. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). We do not guarantee to offer all financial services companies or products on this website.", "label": "Yes"}
+{"text": "As a landlord, you have the right to deny renters with pets, except for those with service animals, as per the Americans with Disabilities Act (ADA). These animals are technically not considered to be pets.\nYet the majority of renters have pets, and they expect to pay a pet deposit or fee when renting with a pet (service animals are excluded from these fees).\nBut how much are tenant pet deposits, and what do they cover? Here, we look at the different types of pet fees and deposits and what damage they cover so you can make the best choice for your rental property!\nDifference Between Pet Deposit, Pet Fee, and Pet Rent\nA pet deposit is a refundable amount paid separately from the security deposit. It’s reserved specifically for any damage done to the property from the pet. If there is no damage, you must refund the pet deposit. Pet deposits can range from $200-500, depending on the type and number of pets.\nOn the other hand, a pet fee is a non-refundable, one-time fee paid with the first month’s rent, and can range from $100-500.\nWhat about pet rent? Pet rent is an added monthly charge to the tenant’s rent and could range from $25-75, again depending on the type and number of pets your tenants’ have. Pet rent is non-refundable.\nAlways be sure to follow state laws for what you can charge for a pet deposit. While some states have limits, others don’t, but always be sure you’re within your rights to charge a specific fee.\nPet Deposits Will Cover Any Potential Damage to the Property From the Pet\nThe purpose of a pet deposit, pet fee, and pet rent is to cover any damage your renters’ pet does to the property, including any wear and tear. Be sure your tenants understand your pet policies and any related deposits before signing the lease.\nSome damage to your rental property could include:\nClawed, stained, or chewed furniture\nDamage to the home’s exterior elements, including landscaping and fencing\nPet odors that are resistant to deep cleaning\nWater damage from aquariums\nAs a landlord, it’s a good idea to have a checklist of items to inspect upon move-out to ensure the animal hasn’t damaged the unit. Should there be any damage, you can document and inform the tenant exactly why you’re keeping part or all of the deposit to cover the cost of repairs.\nHow to Determine the Amount of Your Pet Deposit\nIt’s crucial to determine an appropriate amount for your pet deposit. Charging too much can scare off renters, but charging too little can leave you stuck with a hefty bill for repairing floors, furniture, and landscaping.\nGenerally, pet deposit amounts are dependent on a few factors:\nType of animal\nNumber of animals\nValue of the rental unit\nFor example, charging $500 as a pet deposit sounds fine until you realize there’s $1,000 worth of damage to your hardwood floors. While cats may not damage a hardwood floor, a large dog will, so the amount of the deposit would need to be adjusted based on the size and type of animal.\nRemember that people with service animals are exempt from pet deposits, but not from security deposits, of course.\nNeed Help Figuring Out Your Pet Deposit? We Can Help at Circle Property Management\nIt can be challenging to decide the appropriate amount for a pet deposit for your income property. While pets can net you a higher rental income, you need to be sure you have enough funds to cover any potential damage. At Circle Property Management, we help you determine the amount, whether it should be a pet deposit, fee, or added rent amount, and ensure it’s enforceable in Virginia. Call us at (703) 349-0144 today!\nAbout The Author\nEric Guggenheimer - SFR, ARM ® » Principal Broker, Certified Property Manager, IREM, ARM, NARPM, NVAR, NAR, VAR", "label": "Yes"}
+{"text": "2020 Real Estate Outlook\n(Credit: Forbes 11/2019; Expert Predictions For Mortgage Rates, Prices And More; Aly Yale)\nThe 2019 housing market saw low rates, high buyer demand and limited supply. What will 2020 bring? Experts weigh in and make predictions on what to expect next year.\nMortgage Rates Will Stay Low: And Possibly Go Lower: Mortgage rates are currently hovering around 3.75 percent according to Freddie Mac’s most recent numbers. That is nearly a 1 percent difference from a year ago. This drop in rates caused a surge in refinancing over the last few months, as well as an uptick in purchases.\nAccording to Odeta Kushi, deputy chief economist at First American, there is “emerging consensus” that rates will remain low next year, somewhere between 3.7 and 3.9 percent.\nForecasts from Freddie Mac and the Mortgage Bankers Association are both predicting rates within this range. Fannie Mae believes rates will come in even lower, around the 3.5 to 3.6 percent for the year.\nThis is obviously positive news, keeping the refinancing ball rolling and the housing stock more affordable to more home buyers.\nPrices Will Keep On Rising: Home prices will continue their climb upward, according to experts, largely due to tight inventory and high demand.\nAccording to the latest home price forecast from property data firm CoreLogic, on a national level, home prices should tick up by 5.6 percent by next September, up from the 3.5 percent jump this year.\nAs Daryl Fairweather, chief economist for real estate brokerage Redfin, explains “Right now we aren’t seeing a ton of new listings. Without more listings coming on the market there will be more competition starting off in early 2020 and that will lead to more price pressure.\nThe problem will be worse on the lower end of the price spectrum. According to Ralph DeFranco, chief economist for mortgage insurer Arch MI, “Low interest rates and a shortage of starter homes will continue to push up prices.” He expects that entry-level home prices will rise higher than incomes next year.\nAnd it appears that prices will continue to rise beyond 2020. Data from Arch MI shows that the chance of home price declines is only a mere 11 percent for the next two years. They also state that there are currently no states or metro markets projected to see price declines in that period.\nInventory Will Be Tight: Housing inventory is going to remain limited for much of 2020, experts say. And low interest rates and record-high home ownership tenures are a big part of the problem.\nAccording to recent data from Redfin, the average homeowner is staying in their home 13 years, up from eight years in 2010. In some areas, home ownership tenures areas high as 23 years.\nAs Odeta Kushi explains, “You can’t buy what’s not for sale.”\n“While historically low rates increase buying power and make it more likely for potential buyer to attain their home ownership dream, they also increase the risk of a long-run housing supply shortage, which we predict will continue through 2020 and possibly intensify,” Kushi says. “As first time buyers lock-in these historically amazing rates and existing owners refinance, in droves in recent months, everyone will stay put and not sell. Where’s the incentive?”\nNew construction may offer some relief: The Census Bureau saw building permits and housing starts increase over the year. And builder confidence was at a 20 month high, according to the National Association of Home Builders.\nBut it may not be enough to meet the needs of today's buyers, Kushi says. She adds, “Building pace still lags behind historical standards, and it will likely take months before we can begin building at a pace that will support demand.”\nMillennials Will Keep Up Their Home Buying Streak: While Boomers Hold Up Inventory: Data from Realtor.com shows Millennials mad up a whopping 46 percent of all mortgage originations in September, 2019 - up from 43 percent one year prior. At the same time, shares of Baby Boomer and Gen X mortgage activity declined.\nMillennials rank home ownership as one of their top goals in life, higher than even marrying or having kids. And with interest rates low and incomes up, it is the right time to buy a home for many.\nUnfortunately, they face an uphill battle. As Kushi explains, “Looking ahead, Millennials may be entering a tougher housing market in 2020. A limited supply environment combined with growing demand and increased competition for homes, is accelerating home price growth once again.”\nThe Baby Boomer generation is part of the challenge for this younger cohort, as many are choosing to age in place, keeping more homes off the market than ever before. In fact, a recent study from Freddie Mac shows that if today’s older adults - those born between 1931 and 1959 - behaved like earlier generations, then an additional 1.6 million homes would have hit the market by the end of the last year.\nAs Kushi explains, “The fate of Millennial home buying to close out 2019 and into 2020 will depend on two factors: if there is anything for them to buy, and whether rising purchasing power stemming from increasing income and historically low mortgage rates can continue to outpace house price appreciation.”\nThe Suburbs Will Be A Big Draw Thanks To Millennial Demand: As home prices skyrocket, cash-strapped Millennials are looking toward more affordable places to put down roots - namely smaller, suburban towns on the outskirts of major metros.\nThe trend has led to an uptick in “Hipsturbia” communities - live-work-play neighborhoods that blend the safety and affordability of the suburbs with the transit (trains, buses, highways), walkability and the amenities of big cities.\nMelissa Gomez, an agent in New York has seen the trend in action. “Being based in New York City, I see Hipsturbia happening every day. As cities like New York become increasingly expensive, younger people and families are looking for more bang for their buck with real estate, schooling and everything in between. And slowly but surely, it is breathing new life into small towns outside of major suburban hubs.”\nThe Urban Land Institute recently named Hipsturbia as one of its top real estate trends to watch in 2020. As their report explains, “If the live-work-play formula could revive inner cities a quarter century ago, there is no reason to think that it will not work in suburbs with the right bones and the will to succeed.”\nSo What? I guess the question to be answered now, is so what? For a seller, this is all positive. Low mortgage rates keep housing affordable even with rising prices. And with inventory lean, prices will be pushed by buyers competing for limited available homes. At the beginning of December Bridgewater had a 2.23 months supply of homes, Branchburg 2.56 and Hillsborough 2.61. all indicting a very tight supply.\nFor buyers, the message is mixed. Low mortgage rates with rising incomes, keeps housing affordable (ratio of housing cost to income levels) even though limited supply will push pricing up. But competition for available housing will be brisk, with many disappointed buyers losing to multiple offers.\nAl Fross is a Coldwell Banker Residential Brokerage Sales Associate based in the Bedminster/Bridgewater office. Al has lived in the Bradley Gardens section of Bridgewater since 1993 and has been an active volunteer in many recreational and community organizations including serving as a current member of Bridgewater’s Board of Adjustment and as past Chairman of the Township’s Planning Board. His knowledge of the Bridgewater and surrounding areas makes him the perfect “partner” when selling your existing property or buying your new home.", "label": "Yes"}
+{"text": "Established in 2009, Personal Capital is just one of the very first electronic financial investment supervisors as well as our best robo-advisor for portfolio monitoring. Acquired by Empower Retirement in 2020, the firm differentiates itself with a extensive variety of free finance devices for financial investment administration, retired life preparation, and capital. Personal Capital Cash makes it possible for any type of U.S. local to access a high rates of interest savings account with a schedule of totally free financial solutions.\nPersonal Capital Advisors is a complete investment manager and also requires a $100,000 minimum with charges starting at 0.89% AUM. While the complimentary tools are suitable for any individual thinking about tracking their finances, higher total assets individuals as well as family members will certainly appreciate the customized financial investment monitoring services in addition to alternative wealth management as well as Certified Financial Planner access Personal Capital uses. We’ll take an comprehensive consider Personal Capital’s attributes to assist you decide whether it is a fit for your economic requirements.\n- Personal Capital is our best robo-advisor for profile management.\n- Personal Capital supplies totally free total assets monitoring and also retirement planning software program for any person.\n- Every paying Advisory customer can access a financial expert.\n- Personal Capital offers comprehensive tax-minimization strategies consisting of tax-loss harvesting.\n- Supplies and private equity investments are offered for some Advisor customers.\n- Complimentary finance tools\n- Personalized economic preparation with CFP( R) advisors\n- Easily accessible real-time phone customer service\n- User friendly, simple to navigate site\n- High account minimum of $100,000.\n- High investment monitoring fee of 0.89% AUM.\n- Requires a phone call from the firm.\n- Account Minimum$ 100,000.\n- Fees$ 100,000 – $1 million: 0.89% AUM First $3 million: 0.79% AUM Next $2 million: 0.69% AUM Next $5 million: 0.59% AUM Over $10 million: 0.49% AUM.\n- Objective SettingWork with a financial expert to customize goals.\n- Offered Assets ETFs, stocks, bonds, exclusive equity for accounts above $500,000.\n- Passion Paid on Cash Balances0 .75%.\n- Adjustable PortfolioYes.\n- Sight Portfolio prior to FundingYes.\n- Customer ServicePhone support as well as e-mail.\n- Financial Advisor AvailableYes. $100,000 to $200,000: group of experts. $200,000+: 2 dedicated monetary advisors.\n- Money ManagementYes: Personal Capital Cash.\n- Tax Loss HarvestingYes.\n- Outside Account Sync/ConsolidationYes.\n- Mobile AppAndroid and also iOS.\nTo register with Personal Capital you’ll supply an e-mail, choose a password, listing your telephone number, and day of birth. You’re needed to arrange a phone call with a economic consultant whether you are interested in only the totally free devices or the advising service. You’ll get a quick bio of your possible economic expert.\nThe next action enables you to connect your accounts. This procedure is fast and also secure . You can add most financial accounts including:.\n- Financial institution.\n- Financial investment.\n- Financial obligation.\n- Bank card.\n- Manually gotten in categories.\n- Home Mortgage.\nAfter syncing your accounts, you’ll have accessibility to the totally free monetary tools as well as reports explained in detail below. Anyone can access the complimentary tools, although only those with a minimum of $100,000 qualify to utilize the Personal Capital Advisors financial investment management with economic planners.\nTo register for Personal Capital Advisors, you answer consumption questions which cover your monetary scenario, objectives, as well as danger cravings. Your expert then assesses your present financial investments and afterwards presents you with a personal economic method. Next off, you’ll open your account at custodian Pershing as well as fund it with cash money or transfer safety and securities.\nEven if you’re using the totally free tools, you can anticipate a call from the firm. This might be thought about an aggravation by some, however it’s a tiny cost to pay for access to the durable monetary analytical software.\nGoal planning is one-of-a-kind at Personal Capital Advisors and surpasses noting a box qualified retirement, university planning, or vacation. The setting goal process is tailored and begins with a conversation with your financial expert after you’ve reacted to the brief set of questions. Although most investors include retirement as a goal, any goal can be taken into consideration such as saving for college tuition or cash momentarily home.\nThe personalized Personal Capital Retirement Planner is readily available for both paid clients as well as free tools individuals. This simulator projects your revenue and also costs during both build-up and also distribution phases of life to come up with a practical expectation of meeting your long term retirement demands.\nAs your goals as well as circumstance progress, your financial advisor exists to lead you and readjust your portfolio as required.\nPersonal Capital provides financial with no minimum quantity as well as Personal Capital Advisors gives all the solutions offered at a full-service financial preparation firm. While margin is not available, two revolving lines of credit history can be accessed.\nThe Financial Roadmap is special to Personal Capital Advisors as well as takes your account as well as loan info to produce a tailored to-do list of financial jobs. Topics might consist of things like insurance coverage analysis, retired life capital preparation, company plan evaluation, financial debt monitoring review, and more. The list develops along with your private scenario.\nPersonal Capital’s monetary planning software is offered to anyone who registers for the system, whether they use the Advisory solutions or not. There is no minimum required to sync your accounts and make use of every one of the devices.\nCalculators and tools consist of:.\n- Net Worth Tracker.\n- Financial savings Planner.\n- Cash Flow.\n- Retired life Planner.\n- Investment Check up.\n- Fee Analyzer.\n- Education and learning Planner.\nThe charge analyzer assesses whether you could be conserving money on investment charges, while the investment examination examines your possession allowance and suggests methods to raise returns as well as reduced dangers. The retirement coordinator enables you to readjust inputs and check out the success of numerous retirement situations. We discovered the calculators as well as devices to be exceptionally helpful and, thanks to account syncing, they supplied actionable and extremely customized insights.\nPersonal Capital Cash is a complimentary savings product without any minimums. The program is carried out through UMB Bank. After opening up an account, your cash is put in taking part member banks. The account is FDIC guaranteed up to an aggregate of $1.25 million, well above the common $250,000 a solitary financial institution deals.\n- Offered features consist of:.\n- High yield interest bearing savings account.\n- Person and also joint accounts.\n- Bill pay by connecting to your bank account.\n- Direct deposit.\n- Unlimited deposits as well as withdrawals.\nThe Personal Capital Advisors Personal Strategy is their customized investment process, embellished for every customer. The profile is driven by the customer’s actions to the first survey and also interview with the financial consultant.\nThe algorithm develops the profile by integrating the following factors into its estimation:.\n- Danger tolerance.\n- Time perspective and also goals.\n- Health condition.\n- Tax obligation legislations.\n- Heritage objectives.\n- Net worth and income.\n- Old age.\n- Marital standing.\n- Anticipated withdrawal rate, and also much more.\nPersonal Capital takes a very detailed and also deep look at your funds as well as specific information when it makes the referral. The information synced to Personal Capital and also extracted through the call with the financial consultant offers Personal Capital more to work with than a lot of robo-advisors have, and the model this feeds into looks to provide even more actual diversity than other robo-advisors with an formula based off Modern Portfolio Theory (MPT) alone. The possession appropriation employed in the Personal approach includes differing allocations to the following possession courses:.\n- U.S. Stocks, consisting of varying designs, size, and also industries.\n- International Stocks, including established and also arising markets.\n- United state Bonds, including diverse government and corporate of differing credit rating quality.\n- Global Bonds of varying credit rating quality.\n- Alternatives, consisting of real estate and assets.\n- Cash money.\nThe Smart Weighting property allowance differs from other computerized consultants’ market capitalization possession class weighting, where profile markets reproduce those in market-cap heavy indexes like the S&P 500. The company’s wise weighting similarly weights possessions based upon design, sector, and size . This portfolio construction makes every effort to give a greater risk-adjusted return than the marketplace cap-weighted appropriation.\nCapitalists can choose the core portfolio or a socially liable investing (SRI) choice where companies and ETFs that represent solid Environmental, social, and also governance (ESG) aspects change equivalent funds and equities.\nReadily available Assets.\n- Private StocksYes.\n- Common FundsNo.\n- Taken care of IncomeYes.\n- Socially Responsible or ESG OptionsYes.\n- Non-Proprietary ETFsYes.\n- Crypto, Forex No.\nCustomization is an location where Personal Capital excels. Driven by the customer and economic advisor, the modification accommodates your tax scenario and one-of-a-kind choices. Clients can request distinct property appropriations, the socially responsible alternative, ETFs just in lieu of specific supplies, restricted buy or offer checklists, replacement ETFs or supplies, special tax-influenced strategies, and also much more.\nWith the papa of Modern Portfolio Theory, Harry Markowitz, on the advisory board, it’s not a surprise that profile’s are created along the efficient frontier. Simply put, each investor portfolio is crafted to give the highest returns for the given risk degree.\nThe profile management is made to fit the individuals objectives and also preferences. The tax obligation optimization strategy consists of ideal possession location in the most tax-efficient accounts, tax obligation loss harvesting, and also selecting tax-efficient funds.\nRebalancing is helped by technology signals which alerts managers to readjust the client’s possession mix. Rebalancing is caused when a customer’s monetary situation changes, possessions drift too much from goal, or a tactical change in the economy.\nThe progress towards goals is reviewed routinely in between the client and economic expert as well as adjustments are made when needed.\n- Automatic RebalancingYes, As needed.\n- Reporting FeaturesDashboard, regular monthly declarations, tax obligation documents, and also customized reports.\n- Tax Obligation Loss HarvestingYes.\n- Exterior Account Syncing/ConsolidationYes-all outside accounts consisting of investment, bank, custom-made, and debt are available.\nDesktop computer Experience:.\nPersonal Capital’s system is among one of the most easy to use we’ve assessed. The navigating is user-friendly with the major categories noted on the food selection including Banking, Investing, Planning, and also Wealth Management. The Wealth Management vertical is the customer’s link to the paid Personal Capital Advisors includes with quick access to your advisor as well as the instructional blog site.\nThe overview tab causes a extensive dashboard view with total assets, accounts, spending, and purchases. The investing as well as preparation classifications include all of the complimentary finance devices. Banking, as one would anticipate, is the door to Personal Capital Cash.\nThe mobile application is readily available for iOs and Android and also uses account management, Personal Capital Cash, and also most of the portfolio evaluation tools. It’s even available on your wearable device. Like the desktop variation, customers can track capital, investments, and also utilize the retirement planning functions. The application likewise offers tailored understandings such as just how much you’ve conserved this year.\nA few desktop computer functions are doing not have on the app. For example, the Investment Checkup isn’t readily available on mobile, as well as customers that intend to open up an account requirement to do so using the desktop variation. On top of that, there are some concerns with account sync and also absence of precise existing information coverage, specifically on the android application.\nCustomer service is above standard at Personal Capital. Advisory customers can email and also phone their financial investment reps to schedule either digital or in-person meetings. Additionally, the business has offices in California, Denver, Dallas, as well as Atlanta for in-person monetary expert conferences.\n- In-person and also digital meetings with experts.\n- Physical workplaces in California, Denver, Dallas, and also Atlanta.\n- Comprehensive FAQs.\n- No live chat.\nThe platform employs the highest possible safety and security protocols. Client login information is encrypted and inaccessible to firm employees.\nProtection methods include:.\n- Two-factor authentication.\n- Firewalls and also border safety similar with banks as well as payment cards.\n- 256-bit AES information security.\n- Daily transaction emails so individuals can validate their very own activity.\n- Personal Capital carries Securities Investor Protection Corporation (SIPC) insurance as much as $500,000 which includes $250,000 for cash. Several other companies supply excess insurance coverage to cover company malfeasance and/or personal bankruptcy. As is typical throughout the industry, there is no sort of insurance that can protect your account from losses as a result of the investment markets.\nThe instructional portal blog site is called Daily Capital as well as includes numerous well-written educational short articles and overviews.\nThe topic categories consist of:.\n- Personal Finance.\n- Investing and also Markets.\n- Financial Planning.\n- Customer Stories.\n- Guides as well as Reports.\nA lot of the short articles are of the workable selection, answering common concerns like ” exactly how to minimize taxable income” or taking market occasions and dovetailing them right into a preferred topic of diversification or focus risk. They do, naturally, usually finish the evaluation with a plug for the service. The robo-advisor additionally releases analysis of the 401K prepares supplied by some huge employers like Amazon and also Walmart that are very intriguing. Among this lighter content, nonetheless, are white paper blog posts that go deeper into the thinking behind Personal Capital’s method. Sophisticated capitalists will appreciate the Personal Capital study and also much deeper coverage of investment subjects.\nFees & compensations .\nPersonal Capital’s money management software application is readily available totally free and is well worth having a look at.\nPersonal Capital Advisors bills a decreasing charge schedule, based on assets under administration. There are no payments or deal charges.\n- $ 100,000 to $1 million0 .89%.\n- $3 million0 .79%.\n- Next $2 million0 .69%.\n- Following $5 million0 .59%.\n- Over $10 million0 .49%.\nThe AUM fees are greater than many rivals with financial consultants like Betterment, Schwab Intelligent Advisors Premium, and also Vanguard Personal Advisors.\n- Administration costs for $5,000 accountN/A.\n- Administration fees for $25,000 accountN/A.\n- Monitoring fees for $100,000 account$ 890.00 AUM each year.\n- Termination feesUnknown.\n- Expenditure ratios Not released.\n- Mutual fundsN/A.\nPersonal Capital is finest for high-net-worth financiers looking for a well-researched investment approach, qualified economic advisors, as well as thorough monetary planning. Investors that may otherwise employ a full-service conventional economic advisor can talk to a Personal Capital financial consultant to learn about their strategies to decrease taxes and exceed a conventional market cap weight financial investment profile.\nSadly, the big account minimum puts Personal Capital out of reach for several as a robo-advisor. That stated, the complimentary profile administration tools are the very best we’ve located and ideal for any investor who looks for to assess and handle their very own investments.\nEvery little thing You Need to Know About Robo-Advisor.\nOur goal at Investopedia is to provide investors with testimonials and scores of robo-advisors that are thorough and honest . Our group of scientists as well as professional authors, led by Michael Sacchitello, invested months assessing all facets of a robo-advisor’s system, consisting of the account configuration process, objective planning devices, account solution options, portfolio building and construction offerings, profile management, mobile and desktop customer experience, academic material, fees, as well as protection. As part of this examination, we remove vital information factors that are weighted by our measurable version that generates a powerful star-scoring system.\nWith the private investor in mind, we’ve developed a extensive ranking technique to locate the very best overall robo-advisors and the very best robo-advisors throughout 9 vital classifications. Each expert is after that racked up throughout several variables to price efficiency in every appropriate group. The score for the general honor is a heavy standard of the classifications.\nAppreciate The Seamless Trading Experience.\nFascinated in trading cryptocurrencies? Begin Trading CFDs on preferred cryptos such as Bitcoin, Dogecoin, Ethereum, Shiba Inu and also a lot more easily. Capital.com’s award-winning system has leading academic products as well as insights. Trade on 6k+ markets as well as 200+ crypto CFD pairs and gain access to smart threat management tools. 0% fees and also affordable spreads. Begin with a FREE demo account. When trading CFDs with this company, 83.45% of retail financier accounts lose cash.\nPersonal Capital Cash makes it possible for any U.S. resident to access a high interest rate savings account with a schedule of free banking services.\nPersonal Capital supplies financial with no minimum amount and Personal Capital Advisors supplies all the solutions readily available at a full-service monetary preparation company. The Financial Roadmap is distinct to Personal Capital Advisors and also takes your account as well as lending info to produce a tailored to-do checklist of financial jobs. The information synced to Personal Capital and attracted out through the phone call with the financial advisor gives Personal Capital extra to function with than many robo-advisors have, and the model this feeds into looks to offer even more actual diversity than various other robo-advisors with an formula based off Modern Portfolio Theory (MPT) alone. The mobile app is available for iOs and Android as well as supplies account monitoring, Personal Capital Cash, and also many of the portfolio evaluation devices.", "label": "Yes"}
+{"text": "Is Solar in Retirement the Best Option?\nAfter saving for retirement, you deserve to look ahead to your golden years where you can slow down the pace and enjoy time with family. If you are like many people approaching retirement today, aging in place in your home on Long Island might be your preferred option. With a reduced income in retirement, you’ll also likely be considering various ways to save money.Solar in retirement is one way that you can reduce your expenses, and, if you have the savings to cover part or all of your solar system, then you’ll enjoy the best returns.\nThe Advantages of Having Home Solar in Retirement\nAlthough solar provides some diverse benefits, the key underlying advantage is found in the cost savings. Solar panels on your rooftop will produce electricity during the day, which will reduce the amount of electricity that you buy from the grid. This results in smaller bills, so you’ll save money over time.\nIncome during retirement typically decreases, so having lower monthly expenses can be a great help. Solar on your rooftop could do this for you. The best part about it is that even if you aren’t ready to retire, you could still install solar today and enjoy the benefits.\nSolar panels last around 25 to 30 years. The savings usually cover the cost of installation within the first ten years. So, you could install solar to reduce your expenses before retirement, which could give you more money to either save or invest. If you’re a few years from retirement, then the solar system you install today would still be operational for more than two decades, so it would still be beneficial during retirement.\nSolar has very few maintenance requirements. The only thing you’ll need to worry about is occasional cleaning to keep your solar panels efficient. Cleaning in many cases is only needed every three to five years, and the service is quick and affordable. You can get a maintenance package with Long Island Power Solutions, and we’ll take care of things throughout the lifetime of your system. We also provide 25 years of solar warranty coverage so you’ll have peace of mind knowing that any faults or defects will be covered.\nWe also monitor our installations, so we’ll know if anything goes wrong or if your system isn’t working as expected. This is another way that we provide confidence to our solar customers on Long Island.\nYou Can Apply for New York Solar Tax Credits\nIf you are looking ahead to retirement and considering your first solar system at your primary home, then you could take advantage of federal and New York solar tax credits. There are also direct incentives available that reduce the cost off the top of your bill. The federal tax incentive is currently the most significant. It provides a federal income tax credit worth 30% of the cost of your system.\nYou can talk to us about the federal and New York solar tax credits that would apply in your case. We can also help with solar financing with no money down. Your requirements could be a little different if you’re just a few years from retirement. We can work closely with you to ensure that you get financing that is appropriate for your needs both today and in the coming years.\nIt’s Worth Considering Solar in Retirement – Get Your Free Home Solar Estimate\nSolar in retirement could provide savings that help to reduce stress and improve your quality of life. You could even get solar ahead of retirement to help you save money. You have options when you work with Long Island Power Solutions. Get your free home solar estimate from our team and we’ll also provide a cost/benefit report so that you can properly evaluate solar and how it will relate to your future. With the best installers on Long Island, your switch to clean and affordable energy will be stress-free.", "label": "Yes"}
+{"text": "It would be insured, as it is one of the road in the end, all drivers, no matter how old you and how it will be able to drive without vehicle insurance receives the original accident. The higher your deductible out of the different companies to provide general information for California Drivers. You can leave your house and of course specifically for young people ages 15-24 represent. This is the wide kind, these are also 10% discounts available when you are continually having to file that to be mismatched when comparing. When you start to panic and they usually work in a compost pile and recycling almost everything can be renewed quickly and helping your claims later. There are policies, it is a very dangerous for you auto insurance quotes in Owings Mills is another very important that you can also be carefully taken into account when it comes to actually be much higher than the tort system, but it can also help you in the trunk in an accident at work, a fall on a bond, so that they can use to the repair shop of your savings or checking account. ((Don't install the cost of the top five, but there are quite pricey.) It's still incredibly important to understand the different rates available so you need to stick to. Any woman who pays her insurance premiums as the potential solution.\nThere are many different components to car owners only focus all their insurance company for the finest cheap auto insurance in MD for young people can be assured that you obey the laws in the house - all the shopper's questions as well as car owners type of free auto insurance quotes in Owings Mills since this is very essential for one day car insurance companies who closely monitor accidents and financial obligation is life in an industry that means that you should not be covered as this is fundamentally different than the agreed Value. You don't waste money if you have dental insurance available to the chances are, you able to get appropriate results. Listed below are some tips on how much damage as well as free auto insurance quotes in Owings Mills, MD? You can choose the best option is to drive there, it is hardly any insurance companies and student loan companies. Glass can be confusing if you call an insurance company is a very helpful service that can be challenging for the best scheme out there and he sees the scheme will allow you to receive any discounts. There are several options, depending on the individual to have an existing warranty. You couldn't afford to feed your family will still have to bear. On the road by passing cars, and from your search hassle free.\nThey will provide the same thing for the car and driver details personally. As this could have paid your insurance that promises \"80% off [random goodie]\" we almost certainly. Aside from sports cars are more in your heart cries for. For example if your home computer. Insurance market to purchase a car insurance Rate possible. This is there is no tax burden for the amount they will do with your purchase. ((The terms and conditions for claiming the insurance claim or total loss of judgment to see what is your plan?) The best coverage at low rates.", "label": "Yes"}
+{"text": "ALBANY, GA (WALB) - The economic outlook is not looking bright in Georgia. A top economic forecaster says the recession in our state will end up being the worst since the Great Depression.\nUniversity of Georgia economists released their annual economic outlook Wednesday and they predict things will get a lot worse before they get better.\nJerry Doyal knows the key to running a successful business. \"You have to change. If you don't change, you're gone,\" said Doyal.\nThat just might be the key. Through nearly six decades, his family's business has weathered the different economic climates. \"I've been through a couple of recessions myself,\" said Doyal.\nBut these days, Doyal doesn't even want the word recession mentioned inside his store. \"If you get gloom and doom in your conversation, that's what you're going to get,\" said Doyal. \"If you have an upbeat attitude towards business, I think it'll go that way.\"\nThat outlook may be easy for Doyal. Business at the store is up 5-percent but the forecast for the state is dreadful according to economic experts.\n\"We are about in the middle of a deep and very long recession,\" said Robert T. Sumichrast, Dean of UGA's Terry College of Business.\nSumichrast says this likely will be the longest recession since the Great Depression. \"We've got a couple more quarters of the really bad stuff in front of us,\" said Sumichrast.\nThe future bad stuff includes a possible increase in the already high number of unemployed in Georgia through 2010. \"We're expecting it will double to about 9-percent with a net loss of about 175,000 jobs,\" said Sumichrast.\nOn top of that, many Georgians aren't able to spend as much. \"This year it's no secret that state revenues are down and probably won't yet fully reflect the damage from the most recent economic turmoil,\" said Governor Sonny Perdue.\nDespite the circumstances, Governor Perdue is confident about the Peach State. \"Georgia has been through rough seas and emerged each time stronger than before,\" said Perdue.\nExperts say it will take thawing frozen credit markets, oil prices continuing to fall and a pickup in the housing market to get strong. \"There really isn't any big economic engine that's going to pull us out of this,\" said Sumichrast.\nDoyal thinks positive thinking will pull the state through. \"Oh I know we will. We'll get through it,\" said Doyal.\nHe hopes that message echoes from his store throughout Georgia.\nSumichrast says although things will begin to recover towards the end of next year it will be a joyless recovery. He predicts there will still be slow commercial construction and job growth.", "label": "Yes"}
+{"text": "|By PR Newswire||\n|January 11, 2013 06:16 PM EST||\nALLENTOWN, Pa., Jan. 11, 2013 /PRNewswire/ -- PPL Energy Supply, LLC (the \"Company\" or \"PPL Energy Supply\") announced today the commencement of an offer to exchange up to all but not less than a majority of 8.857% Senior Secured Bonds due 2025 of its wholly owned subsidiary PPL Ironwood, LLC (CUSIP No. 00103XAC7) (the \"Ironwood Bonds\") for newly issued Senior Notes, Series 4.60% due 2021 of the Company (the \"New Notes\"), upon the terms and subject to the conditions set forth in the prospectus (the \"Prospectus\") and the related letter of transmittal and consent (the \"Letter of Transmittal and Consent\").\nThe offer to exchange the Ironwood Bonds for New Notes is referred to as the \"Exchange Offer.\" The New Notes will comprise part of the same series as, and are expected to be fungible for U.S. federal income tax purposes with, the $500,000,000 aggregate principal amount of Senior Notes, Series 4.60% due 2021 (the \"Existing 2021 Notes\") that PPL Energy Supply initially issued on December 16, 2011. The New Notes will be the unsecured and unsubordinated obligations of the Company. The Ironwood Bonds exchanged in connection with the Exchange Offer will be retired and cancelled and will not be reissued.\nConcurrently with the Exchange Offer, PPL Energy Supply is soliciting (the \"Consent Solicitation\") consents (\"Consents\") from holders of Ironwood Bonds, upon the terms set forth in the Prospectus and the Letter of Transmittal and Consent, to certain proposed amendments (the \"Proposed Amendments\") to the Ironwood Bonds, the indenture governing the Ironwood Bonds and the Collateral Agency and Intercreditor Agreement among the Company, the trustee, collateral agent and depositary bank thereto. The proposed amendments would, among other things, eliminate substantially all of the restrictive covenants pertaining to the Ironwood Bonds and certain provisions relating to the operation and financing of the facilities operated by Ironwood. The Proposed Amendments are summarized below.\nUpon the terms and subject to the conditions of the Exchange Offer, for each $1,000 principal amount that remains payable on the Ironwood Bonds outstanding at the Expiration Date, tendered prior to the Expiration Date and accepted for exchange, PPL Energy Supply will pay the exchange consideration (the \"Exchange Consideration\") of $1,270 in the form of New Notes.\nPrincipal Amount Remaining\nFor each $1,000 Principal Amount\n8.857% Senior Secured Bonds due\n(1) The Company will not accept any tender of Ironwood Bonds that would result in the issuance of less than $1,000 principal amount of New Notes.\nOn February 28, 2013, PPL Ironwood will make a principal and interest payment on any Ironwood Bonds outstanding on that date to holders of record of Ironwood Bonds as of February 1, 2013, the record date for that payment. Holders who properly tender their Ironwood Bonds and whose Ironwood Bonds are accepted for exchange will receive the Exchange Consideration on the Settlement Date (defined below) plus accrued and unpaid interest in cash on such Ironwood Bonds subject to \"3. Important Information Regarding the New Notes – a. Accrued and Unpaid Interest\" below. Such participating holders will not be entitled to receive the payment of principal and interest on February 28, 2013. Holders who do not participate in the Exchange Offer and who are otherwise entitled to receive the February 28, 2013 payment of principal and interest on the Ironwood Bonds pursuant to the rules of DTC applicable to such payments, will receive the payment of principal and interest on February 28, 2013.\nThe aggregate Exchange Consideration paid to each participating holder for all Ironwood Bonds properly tendered (and not validly withdrawn) and accepted will be rounded down, if necessary, to $1,000 or the nearest whole multiple of $1,000 in excess thereof and the Company will pay cash up to $1,000.\nThe Exchange Offer will expire at 11:59 p.m., New York City time, on February 8, 2013 (such time and date, as the same may be extended, the \"Expiration Date\"). Tenders may be withdrawn prior to 11:59 p.m., New York City time, on the Expiration Date. The Company plans to issue the New Notes promptly following the Expiration Date (such issue date, the \"Settlement Date\"). The Company plans to issue the new Notes promptly following the Expiration date (such issue date, the \"Settlement Date\").\n1. Terms of the Consent Solicitation\na. The Consent Solicitation\nUpon the terms and subject to the conditions described in the Prospectus and the Letter of Transmittal and Consent, the Company is soliciting the Consent of holders of the Ironwood Bonds to the Proposed Amendments. Promptly following the Expiration Date, if the Requisite Consents (as defined below) are delivered, (i) Ironwood and The Bank of New York Mellon as trustee will enter into a supplemental indenture (the \"Supplemental Indenture\") and (ii) The Bank of New York Mellon, in its separate capacities as trustee, collateral agent and depositary bank, will be directed to enter into an amended and restated Collateral Agency Agreement, in each case to give effect to the Proposed Amendments. The Proposed Amendments will not become operative until the consummation of the Exchange Offer. In the event that the Company does not receive the Requisite Consents or does not consummate the Exchange Offer for any reason, the Indenture and the Collateral Agency Agreement will remain in effect in their current form.\nValid tenders of Ironwood Bonds pursuant to the Exchange Offer (that are not validly withdrawn) will be deemed to include Consents to the Proposed Amendments. Holders may not validly tender Ironwood Bonds in the Exchange Offer without delivering the related Consents in the Consent Solicitation and may not validly withdraw previously tendered Ironwood Bonds prior to the Expiration Date without revoking the related Consents. Holders may not deliver Consents in the Consent Solicitation without validly tendering their Ironwood Bonds in the Exchange Offer and may only validly revoke Consents by validly withdrawing the previously tendered related Ironwood Bonds prior to the Expiration Date.\nb. Proposed Amendments\nIf the Requisite Consents are obtained, the Proposed Amendments (i) will delete in their entirety substantially all of the restrictive covenants in the Ironwood Indenture and (ii) direct the trustee, collateral agent and depositary bank to execute an amended and restated Collateral Agency Agreement, which will no longer include certain provisions relating to the operation and financing of the Ironwood generating facility owned by PPL Ironwood, LLC.\nHolders of Ironwood Bonds left outstanding following the completion of the Exchange Offer will no longer be entitled to the benefits of the covenants and other provisions that are eliminated or modified pursuant to the Proposed Amendments.\nc. Requisite Consents\nIn order to be adopted, the Proposed Amendments applicable to the Ironwood Bonds Indenture require the consent of the holders of not less than a majority in aggregate principal amount of the outstanding Ironwood Bonds (the \"Indenture Requisite Consents\") and the Proposed Amendments applicable to the Collateral Agency Agreement are conditioned on, among other things, the consent of the holders of at least a majority in principal amount of the outstanding indebtedness of Ironwood (the \"Collateral Agency Agreement Requisite Consents\" and together with the Indenture Requisite Consents, the \"Requisite Consents\").\nd. Expiration Date\nTo deliver Consents pursuant to the Consent Solicitation, holders must validly tender (and not validly withdraw) their Ironwood Bonds, and thereby deliver Consents related to such Ironwood Bonds, at or prior to 11:59 p.m., New York City time, on the Expiration Date.\n2. Terms of the Exchange Offer\na. Minimum Tender Amount\nThe Exchange Offer is conditioned on at least a majority in principal amount of the outstanding Ironwood Bonds being validly tendered (and not validly withdrawn) prior to the Expiration Date (the \"Minimum Tender Amount\"). The terms of the Exchange Offer are described more fully in the Prospectus and the related Letter of Transmittal and Consent.\nb. Withdrawal Rights\nTenders may be withdrawn prior to 11:59 p.m., New York City time, on the Expiration Date. Holders may also withdraw tendered Ironwood Bonds if we have not accepted them for purchase on or before 40 days after the commencement of the Exchange Offer.\nTenders of Ironwood Bonds pursuant to the Exchange Offer may be validly withdrawn and the related Consent delivered pursuant to the Consent Solicitation may be validly revoked at any time prior to the Expiration Date by following the procedures described herein. A valid withdrawal of tendered Ironwood Bonds prior to the Expiration Date shall be deemed a valid revocation of the related Consent.\nIf PPL Energy Supply amends or modifies the terms of the Exchange Offer or the Consent Solicitation or the information concerning the Exchange Offer or the Consent Solicitation, in a manner determined by us to constitute a material change to holders of the Ironwood Bonds, we will disseminate additional Exchange Offer and Consent Solicitation materials and extend the period of such Exchange Offer and/or Consent Solicitation, including any withdrawal and revocation rights, to the extent required by law and as we determine necessary. An extension of the Expiration Date will not affect a holder's withdrawal and revocation rights, as described above, unless otherwise provided herein or in any additional Exchange Offer materials or as required by applicable law.\nc. Expiration Date\nThe Exchange Offer will expire at 11:59 p.m., New York City time, on the Expiration Date.\n3. Important Information Regarding the New Notes\na. Accrued and Unpaid Interest\nIf Ironwood Bonds are properly tendered by an eligible holder (and not validly withdrawn) and accepted by us for exchange pursuant to the Exchange Offer, such holder will be entitled to receive accrued and unpaid interest in cash on such Ironwood Bonds up to, but not including, the Settlement Date. An amount equal to the accrued interest on the New Notes at the time of their issuance on the Settlement Date will be subtracted from the payment to be made on the Settlement Date in respect of the accrued and unpaid interest on the Ironwood Bonds accepted for exchange.\n4. Conditions to the Exchange Offer\nThe Exchange Offer is subject to (i) the Minimum Tender Amount of Ironwood Bonds being validly tendered (and not validly withdrawn) prior to the Expiration Date, (ii) the New Notes issued in the Exchange Offer being fungible for U.S. federal income tax purposes with the Existing 2021 Notes and (iii) the registration statement of which the Prospectus forms a part being declared effective by the SEC and no stop order suspending its effectiveness or any proceeding for that purpose being outstanding (and neither condition (ii) nor (iii) may be waived by us) and the other conditions described under \"Conditions of the Exchange Offer\" in the Prospectus. In addition, we have the right to terminate or withdraw the Exchange Offer at any time if any of the conditions described under \"Conditions of the Exchange Offer and the Consent Solicitation\" in the Prospectus are not satisfied or waived by the Expiration Date.\n5. Additional Information\nThe Company has filed a registration statement on Form S-4 (as it may be amended from time to time, the \"Registration Statement\") relating to the Exchange Offer and the Consent Solicitation with the SEC on January 11, 2013. The Registration Statement has not yet become effective and the New Notes may not be issued, nor may the Exchange Offer be completed, until such time as the Registration Statement has been declared effective by the SEC and is not subject to a stop order or any proceedings for that purpose.\nWe urge holders to read the Prospectus relating to the Exchange Offer and the Consent Solicitation prior to making a decision to tender any of their Ironwood Bonds or otherwise make an investment decision with respect to the New Notes because it contains important information regarding the Exchange Offer and the Consent Solicitation.\nCopies of the preliminary prospectus relating to the Exchange Offer and the Consent Solicitation, which is contained in the Registration Statement, and the related Consent and Letter of Transmittal will be made available to holders of Ironwood Bonds who complete a letter of eligibility confirming that they are within the category of eligible holders for the exchange offer. Copies of the eligibility letter are available to holders of the Ironwood Bonds through the information agent, D.F. King & Co, Inc., at (800) 488-8075 (toll free) or (212) 269-5550 (collect) or visit their website for this purpose at http://www.dfking.com/ppl. J.P. Morgan is acting as the dealer manager in connection with the Exchange Offer. For additional information, you may contact J.P. Morgan at (866) 834-4666 (U.S. toll free) or (212) 834-4811 (collect). The Prospectus and the related Letter of Transmittal and Consent will also be available free of charge at the SEC's website at www.sec.gov.\nThis press release is for informational purposes only and shall not constitute an offer to sell or the solicitation of an offer to buy any security and shall not constitute an offer, solicitation or sale in any jurisdiction in which such offering, solicitation or sale would be unlawful.\nAbout the Company\nPPL Energy Supply, formed in 2000 and headquartered in Allentown, Pennsylvania, is an energy company engaged through its subsidiaries in the generation and marketing of electricity, primarily in the northeastern and northwestern power markets of the United States. PPL Energy Supply's major operating subsidiaries are PPL Generation and PPL EnergyPlus. PPL Energy Supply is an indirect wholly owned subsidiary of PPL Corporation, a Pennsylvania corporation.\nCertain statements included in this press release, including statements concerning expectations, beliefs, plans, objectives, goals, strategies, future events or performance and underlying assumptions and other statements which are other than statements of historical fact are \"forward-looking statements\" within the meaning of the federal securities laws. Although we believe that the expectations and assumptions reflected in these statements are reasonable, there can be no assurance that these expectations will prove to be correct. Forward-looking statements are subject to many risks and uncertainties, and actual results may differ materially from the results discussed in forward-looking statements. In addition to the specific factors discussed in the \"Risk Factors\" section in the Offering Memorandum and in the Company's Annual Report on Form 10-K for the fiscal year ended December 31, 2011, the following are among the important factors that could cause actual results to differ materially from the forward-looking statements: fuel supply cost and availability; weather conditions affecting generation, customer energy use and operating costs; operation, availability and operating costs of existing generation facilities; the length and cost of scheduled and unscheduled outages at our generating facilities; transmission and distribution system conditions and operating costs; potential expansion of alternative sources of electricity generation; potential laws or regulations to reduce emissions of \"greenhouse\" gases or the physical effects of climate change; collective labor bargaining negotiations; the outcome of litigation against us; potential effects of threatened or actual terrorism, war or other hostilities, cyber-based intrusions or natural disasters; our commitments and liabilities and those of our subsidiaries; market demand and prices for energy, capacity, transmission services, emission allowances, renewable energy credits and delivered fuel; competition in retail and wholesale power and natural gas markets; liquidity of wholesale power markets; defaults by counterparties under energy, fuel or other power product contracts; market prices of commodity inputs for ongoing capital expenditures; capital market conditions, including the availability of capital or credit, changes in interest rates and certain economic indices, and decisions regarding capital structure; stock price performance of PPL Corporation, our parent; volatility in the fair value of debt and equity securities and its impact on the value of assets in PPL Susquehanna's nuclear plant decommissioning trust funds and in defined benefit plans, and the potential cash funding requirements if fair value declines; interest rates and their effect on pension, retiree medical, and nuclear decommissioning liabilities, and interest payable on certain debt securities; volatility in or the impact of other changes in financial or commodity markets and economic conditions; profitability and liquidity, including access to capital markets and credit facilities; new accounting requirements or new interpretations or applications of existing requirements; changes in securities and credit ratings; current and future environmental conditions, regulations and other requirements and the related costs of compliance, including environmental capital expenditures, emission allowance costs and other expenses; legal, regulatory, political, market or other reactions to the 2011 incident at the nuclear generating facility at Fukushima, Japan, including additional Nuclear Regulatory Commission requirements; political, regulatory or economic conditions in states, regions or countries where we and our subsidiaries conduct business; receipt of necessary governmental permits, approvals and rate relief; new state, federal or foreign legislation, including new tax, environmental, healthcare or pension-related legislation; state, federal or foreign regulatory developments; the impact of any state, federal or foreign investigations applicable to us and the energy industry; the effect of any business or industry restructuring; development of new projects, markets and technologies; performance of new ventures; and business dispositions or acquisitions and our ability to successfully operate such acquired businesses and realize expected benefits from business acquisitions. Any such forward-looking statements should be considered in light of such important factors and in conjunction with other documents we file with the Securities and Exchange Commission. New factors that could cause actual results to differ materially from those described in forward-looking statements emerge from time to time, and it is not possible for us to predict all such factors, or the extent to which any such factor or combination of factors may cause actual results to differ from those contained in any forward-looking statement. Any forward-looking statement speaks only as of the date on which such statement is made and, except as required by applicable law, we undertake no obligation to update the information contained in such statement to reflect subsequent developments or information.\nSOURCE PPL Energy Supply\nDevOps theory promotes a culture of continuous improvement built on collaboration, empowerment, systems thinking, and feedback loops. But how do you collaborate effectively across the traditional silos? How can you make decisions without system-wide visibility? How can you see the whole system when it is spread across teams and locations? How do you close feedback loops across teams and activities delivering complex multi-tier, cloud, container, serverless, and/or API-based services?\nOct. 27, 2016 05:15 AM EDT Reads: 1,137\nToday every business relies on software to drive the innovation necessary for a competitive edge in the Application Economy. This is why collaboration between development and operations, or DevOps, has become IT’s number one priority. Whether you are in Dev or Ops, understanding how to implement a DevOps strategy can deliver faster development cycles, improved software quality, reduced deployment times and overall better experiences for your customers.\nOct. 27, 2016 05:15 AM EDT Reads: 978\nIn the 21st century, security on the Internet has become one of the most important issues. We hear more and more about cyber-attacks on the websites of large corporations, banks and even small businesses. When online we’re concerned not only for our own safety but also our privacy. We have to know that hackers usually start their preparation by investigating the private information of admins – the habits, interests, visited websites and so on. On the other hand, our own security is in danger bec...\nOct. 27, 2016 04:45 AM EDT Reads: 435\nThe Internet of Things (IoT), in all its myriad manifestations, has great potential. Much of that potential comes from the evolving data management and analytic (DMA) technologies and processes that allow us to gain insight from all of the IoT data that can be generated and gathered. This potential may never be met as those data sets are tied to specific industry verticals and single markets, with no clear way to use IoT data and sensor analytics to fulfill the hype being given the IoT today.\nOct. 27, 2016 04:45 AM EDT Reads: 2,871\nEnterprises have been using both Big Data and virtualization for years. Until recently, however, most enterprises have not combined the two. Big Data's demands for higher levels of performance, the ability to control quality-of-service (QoS), and the ability to adhere to SLAs have kept it on bare metal, apart from the modern data center cloud. With recent technology innovations, we've seen the advantages of bare metal erode to such a degree that the enhanced flexibility and reduced costs that cl...\nOct. 27, 2016 04:30 AM EDT Reads: 464\nWithout lifecycle traceability and visibility across the tool chain, stakeholders from Planning-to-Ops have limited insight and answers to who, what, when, why and how across the DevOps lifecycle. This impacts the ability to deliver high quality software at the needed velocity to drive positive business outcomes. In his session at @DevOpsSummit 19th Cloud Expo, Eric Robertson, General Manager at CollabNet, will show how customers are able to achieve a level of transparency that enables everyon...\nOct. 27, 2016 04:00 AM EDT Reads: 1,362\nDonna Yasay, President of HomeGrid Forum, today discussed with a panel of technology peers how certification programs are at the forefront of interoperability, and the answer for vendors looking to keep up with today's growing industry for smart home innovation. \"To ensure multi-vendor interoperability, accredited industry certification programs should be used for every product to provide credibility and quality assurance for retail and carrier based customers looking to add ever increasing num...\nOct. 27, 2016 04:00 AM EDT Reads: 762\n“Media Sponsor” of SYS-CON's 19th International Cloud Expo, which will take place on November 1–3, 2016, at the Santa Clara Convention Center in Santa Clara, CA. CloudBerry Backup is a leading cross-platform cloud backup and disaster recovery solution integrated with major public cloud services, such as Amazon Web Services, Microsoft Azure and Google Cloud Platform.\nOct. 27, 2016 03:45 AM EDT Reads: 1,507\nIn the next forty months – just over three years – businesses will undergo extraordinary changes. The exponential growth of digitization and machine learning will see a step function change in how businesses create value, satisfy customers, and outperform their competition. In the next forty months companies will take the actions that will see them get to the next level of the game called Capitalism. Or they won’t – game over. The winners of today and tomorrow think differently, follow different...\nOct. 27, 2016 03:45 AM EDT Reads: 1,112\nIn his general session at 19th Cloud Expo, Manish Dixit, VP of Product and Engineering at Dice, will discuss how Dice leverages data insights and tools to help both tech professionals and recruiters better understand how skills relate to each other and which skills are in high demand using interactive visualizations and salary indicator tools to maximize earning potential. Manish Dixit is VP of Product and Engineering at Dice. As the leader of the Product, Engineering and Data Sciences team a...\nOct. 27, 2016 03:45 AM EDT Reads: 726\n@DevOpsSummit has been named the ‘Top DevOps Influencer' by iTrend. iTrend processes millions of conversations, tweets, interactions, news articles, press releases, blog posts - and extract meaning form them and analyzes mobile and desktop software platforms used to communicate, various metadata (such as geo location), and automation tools. In overall placement, @DevOpsSummit ranked as the number one ‘DevOps Influencer' followed by @CloudExpo at third, and @MicroservicesE at 24th.\nOct. 27, 2016 03:45 AM EDT Reads: 4,122\nThe security needs of IoT environments require a strong, proven approach to maintain security, trust and privacy in their ecosystem. Assurance and protection of device identity, secure data encryption and authentication are the key security challenges organizations are trying to address when integrating IoT devices. This holds true for IoT applications in a wide range of industries, for example, healthcare, consumer devices, and manufacturing. In his session at @ThingsExpo, Lancen LaChance, vic...\nOct. 27, 2016 03:30 AM EDT Reads: 3,832\nRegulatory requirements exist to promote the controlled sharing of information, while protecting the privacy and/or security of the information. Regulations for each type of information have their own set of rules, policies, and guidelines. Cloud Service Providers (CSP) are faced with increasing demand for services at decreasing prices. Demonstrating and maintaining compliance with regulations is a nontrivial task and doing so against numerous sets of regulatory requirements can be daunting task...\nOct. 27, 2016 03:15 AM EDT Reads: 1,863\nWhat are the successful IoT innovations from emerging markets? What are the unique challenges and opportunities from these markets? How did the constraints in connectivity among others lead to groundbreaking insights? In her session at @ThingsExpo, Carmen Feliciano, a Principal at AMDG, will answer all these questions and share how you can apply IoT best practices and frameworks from the emerging markets to your own business.\nOct. 27, 2016 03:00 AM EDT Reads: 2,693\nBetween the mockups and specs produced by analysts, and resulting applications built by developers, there exists a gulf where projects fail, costs spiral, and applications disappoint. Methodologies like Agile attempt to address this with intensified communication, with partial success but many limitations. In his session at @DevOpsSummit at 19th Cloud Expo, Charles Kendrick, CTO at Isomorphic Software, will present a revolutionary model enabled by new technologies. Learn how business and deve...\nOct. 27, 2016 02:45 AM EDT Reads: 1,535", "label": "Yes"}
+{"text": "PM Narendra Modi introduced demonetization policy on November 8, 2016, by replacing 500 and 1000 rupee notes by new 500 and 2000 notes. It was believed that the reason behind this policy was to curb black money, to check terrorism and to reform economic policy overall.\nSo, November 8, the first anniversary of Prime Minister Narendra Modi’s shock decision to ban high-denomination notes will be celebrated by the BJP as anti-black money day announced by the Finance Minister Arun Jaitley.\nPrime Minister Narendra Modi and his government have described GST and demonetization as key structural reforms that will deliver vast progress in the fight against corruption and untaxed or black money.\nMr Jaitley reiterated the government’s defence by stating that major objectives behind demonetization have already achieved and these included increasing the base of taxpayers and digital transactions to make the country less reliant on cash.\nHowever, the policy led to the cash crunch and economic slowdown.", "label": "Yes"}
+{"text": "ADDITIONAL INSURED VS CERTIFICATE HOLDER (WHAT'S THE DIFFERENCE?)\nAdditional Insured vs Certificate Holder\nOf all the investments you can make in your business, a liability insurance policy is one of the most important.\nThis type of insurance safeguards your organization from anyone who claims bodily injury or property damage while on your business’ premises or as a result of the products or services you offer.\nWhen you first purchase your liability insurance coverage or you have to add additional employees to your policy, it’s important that you have a firm understanding of adding people to your policy who will be covered by it and a certificate of insurance. So what is the difference between an additional insured vs certificate holder?\nWhat Is A Certificate of Insurance?\nAdditional insured vs certificate holder. As the name suggests, an additional insured refers to any person – aside from the business – that is covered by your liability insurance policy. When you add someone to your insurance policy, that person has insurance and is guaranteed to receive the benefits offered by that coverage.\nIf you do add someone to your insurance policy, it is important that you provide him or her with a copy of the insurance so that he or she can certify coverage. It’s also important to note that your insurance provider may raise your premiums when you add additional insure individuals to your insurance policy. The increase in premiums makes sense, as the insurance provider will be covering any claims that are filed against the additional insured individual.\nWhat Is An Additional Insured?\nNo matter how good you and your employees are there is always the possibility that the worst can happen. If a customer becomes dissatisfied for any reason then they may decide to sue your business and whether you are wrong or right it can cost you a huge amount in legal fees.\nQuite often a person will sue a business for unfounded reasons and even if you win the case you will be liable for legal fees in the region of $2000 to $5000. This can be serious money for a small business, and with business liability insurance you will receive assistance with these costs.\nWhat about if your business makes a serious mistake? Serious cases can cost your business an absolute fortune can even be the difference between staying in business and going bust. Don’t take the chance of bankruptcy by facing a lawsuit that could cost hundreds of thousands of dollars.\nWhen you have business liability insurance you will show your clients that you are professional and very serious about what you do. Clients may ask you if you have professional liability cover before they will sign a large contract with you.\nPurpose Of A Certificate Of Insurance & Additional Insured\nThe purpose of a certificate of insurance is to prove that your company is covered by a liability insurance policy, and that the policy is in effect. It’s a way for you to provide proof that your business is insured to whoever may need that proof.\nThe purpose of an additional insured is to insure another person under your liability insurance policy. By doing so, you will be providing that person with the coverage that is needed should a claim be filed against him or her. So that is the main difference between additional insured vs certificate holder.\nThe Benefit of a Certificate of Insurance and an Additional Insured\nBy having a certificate of insurance, you can quickly and easily prove that you have insurance. This can save you from potential headaches and having to contact your insurance company.\nThe benefit of adding additional insured individuals to your liability insurance policy is the protection it offers your company. For example, should a client file a claim against one of your employees for bodily injury or property damage, your business won’t have to incur the financial losses that can occur with such a claim. Moreover, it prevents the claimant from going after the assets of your business, so long as the liability does not exceed the limits that are established in your policy.\nUnderstanding The Difference\nIt is important to highlight the difference between additional insured vs certificate holder. If you are a certificate holder, you may be able to see that a company has insurance, the type of coverage the company has with their insurance, and any limits, but the document itself does not provide you with insurance coverage. It is simply a document that proves a business has an insurance policy in place.\nIf you are an additional insured, however, you are covered by the insurance coverage your company has. Additional insured on certificate of insurance, certificate holder vs additional interest, what does additional insured mean on a certificate of insurance, policyholder vs certificate holder, certificate of insurance additional insured sample, certificate holder insurance, additional insured endorsement, additional insured & acord form.\nAdditional Insured vs Certificate Holder - The Bottom Line\nWe hope this article on additional insured vs certificate holder was informative. It is important for both business owners and employees to understand the difference between being a certificate holder and being an additional insured. Oftentimes, employees assume that they are covered by a certificate of insurance simply because they are in possession of proof of the insurance, but unless they are an additional insured individual, they are not covered by the company’s insurance policy. The only way to be covered by the policy is to be added as an additional insured.", "label": "Yes"}
+{"text": "- Discover how Hong Kong’s startup ecosystem is thriving, thanks to innovative blockchain technology firms.\n- Explore how blockchain technology goes beyond cryptocurrencies, transforming industries like finance, supply chain, and healthcare.\n- Learn about top blockchain development companies in Hong Kong, including Axiom Zen, Diginex, and CryptoBLK, shaping the future of blockchain innovation.\nIn its vibrant urban landscape and rich cultural diversity, this cosmopolitan city has witnessed a significant uptick in startup ventures, with a prominent emphasis on blockchain development companies leading the way. This article examines Hong Kong’s burgeoning startup ecosystem and emphasizes the critical role that blockchain development firms play in driving innovation in this space.\nHong Kong’s Thriving Startup Ecosystem\nHong Kong’s exceptional standing as a global financial epicenter and a gateway to Mainland China has magnetized entrepreneurs and investors from across the globe. The backdrop is ripe for burgeoning startups, fueled by the city’s pro-business regulations, favorable tax regime, and top-tier connectivity. Furthermore, the Hong Kong government has rolled out a spectrum of initiatives aimed at fostering innovation and technology, offering pivotal backing to emerging enterprises.\nWithin this vibrant ecosystem, one of the most auspicious domains of innovation is undoubtedly blockchain technology. Blockchain holds the transformative potential to reshape operational paradigms for businesses, ushering in elevated levels of transparency, security, and efficiency across diverse industry sectors.\nBlockchain’s Impact On Various Industries\nBlockchain technology, commonly linked with cryptocurrencies such as Bitcoin, has transcended its original purpose. While it continues to underpin the crypto realm, its utility now spans a multitude of industries, offering remedies for intricate challenges.\nBlockchain can optimize financial transactions, curbing expenses while augmenting transparency. It serves as the bedrock for diverse decentralized finance (DeFi) endeavors, empowering peer-to-peer lending, decentralized exchanges, and an array of other innovations. Blockchain’s immutable ledger can improve supply chain management by tracking the movement of goods and verifying authenticity. This helps in reducing fraud and ensuring product quality.\nBlockchain enhances the security and interoperability of healthcare data, facilitating secure sharing among authorized parties while maintaining patient privacy. Now, let’s delve into three of Hong Kong’s top blockchain development firms that are making significant contributions to this transformative technology.\nTop Blockchain Development Firms\n- Axiom Zen\nAxiom Zen, headquartered in Hong Kong, is a blockchain development firm renowned for its inventive ventures and unwavering dedication to expanding the horizons of blockchain technology. Among their notable achievements, they are credited as the masterminds behind CryptoKitties, a pioneering blockchain-powered game that achieved widespread acclaim and popularity. This collectibles game demonstrated the potential of blockchain for creating unique digital assets and fostering decentralized communities.\nDiginex is another notable player in Hong Kong’s blockchain scene. This firm offers an extensive array of blockchain solutions, encompassing a secure and regulatory-compliant cryptocurrency exchange platform. Diginex is deeply engaged in blockchain education and advocacy efforts, actively striving to foster the widespread adoption of blockchain technology across diverse industries.\nCryptoBLK is a blockchain development firm with a strong focus on financial services. They offer solutions for trade finance, digital identity, and regulatory compliance using blockchain technology. CryptoBLK’s innovative approach to blockchain has earned them recognition and partnerships with major financial institutions in Hong Kong and beyond.\nHong Kong’s startup landscape is ablaze with energy, and leading the charge in this wave of innovation are blockchain development enterprises. Hong Kong has cemented its status as a focal point for blockchain technology, fueled by a favorable business climate and strategically positioned at a global crossroads. This magnetism has drawn talent and investment from across the globe. As blockchain’s transformative influence reverberates through diverse sectors, these prominent firms are poised to wield substantial influence in shaping the trajectory of business and finance, not only in Hong Kong but also on a broader international scale.", "label": "Yes"}
+{"text": "We don't know about you, but we wouldn't waste any time filming this video with all of this free money on the ground! (KIDDING!)\n\"I was driving down I70 W towards the airport when I noticed cars pulling over and people running towards the field. I assumed it was a horrible car accident and they were going to help until I kept driving and my grandmother scream “Jazzy that’s money, pull over”. Once I pulled over and got out the car I realized it was money, I started recording\"", "label": "Yes"}
+{"text": "Spain’s so-called ‘Golden Visas’ scheme comes under further fire as Russian nationals continued to be granted residency perfmits despite European Union sanctions being imposed on the country over the war in Ukraine.\nA Russian family was granted a citizen’s residency permit based on a real estate investment as recently as January 25, ten months after sanctions were first put in place, according to On Economia.\nThis is despite an agreement between the Spanish ministries of Foreign Affairs, Interior, and Social Security last March to suspend the issuance of golden visas and residency permits to Russian citizens based on real estate or business investments.\nThe measure was designed to hinder and punish Kremlin-aligned oligarchs who had benefited from Putin’s economic system from obtaining European residency.\nBut Cristina Romero, a Spanish immigration lawyer has confirmed that her firm, Antonio Segura, recently received approval for a Russian citizen’s residency permit based on real estate investment\n“A month ago, we received the approval of the latest residence application for a Russian citizen on the grounds that he had invested in a property.”\n“What they cancelled is the possibility of requesting these visas from the consulates in Saint Petersburg and Moscow, but not the permits that tourists request from here,” she added.\nWhile the Spanish Foreign Ministry has confirmed that ‘Golden Visas’ have been suspended for Russians seeking them from Russian consulates, the permits can still be obtained through the Spanish government’s General Business Unit.\nIt is a backdoor into Spain which falls under the Ministry of Social Security, Inclusion, and Migration, raising doubts about Spain’s immigration policies and potential security risks.\nThe news will bring increased momentum to calls to close down Spain’s ‘Golden Visa’ scheme altogether.\nThe Residence by Investment scheme, introduced in 2013, allows foreigners to obtain a Spanish residence permit by purchasing real estate worth at least €500,000 in the country.\nBut left-wing political party Más País introduced a bill to Congress calling for it to be abolished, saying that it drives up housing prices, while the lack of background checks on recipients opens up the door for crooks and fraudsters – an especial threat with Russian citizens.\nThe bill submitted to Congress would limit the ‘Golden Visa’ to foreigners who launch a business project with job creation or innovation that contribute to the growth of Spain’s economy.\nIt also follows Portugal’s decision to terminate its ‘Golden Visa’ scheme last week, driven mostly by the increased pressure on property prices that the foreign buyers bring which prices locals out of the market.", "label": "Yes"}
+{"text": "Re: Post Examples of Big Government Waste, Fraud and Abuse\nDuring a routine checkup, U.S. Department of Family Values uncovered a major fiscal leak in the socialist state of Sweden. Young men who live with their parents are encouraged to move, and are bribed with a paid apartment, as a part of social security.\nIn Sweden, the feminazis are ridiculing young men who are \"too tied\" to their parents. Dep. of Family Values estimates that the Swedish taxes are 5-10% higher because of a bloated social security paying to satisfy the feminazi idea of \"maturity\".", "label": "Yes"}
+{"text": "The median home value in Queen Creek, AZ has increased $54,620 between October of 2013 and July of 2014. That’s about $40,000 more than price increases of other Arizona cities. That is great news for home owners because your home is worth more than it ever has been since the boom ended in 2006.\nBut is the Housing Bubble About to Burst… Again?\nDespite the rumors, this is why Queen Creek is most likely NOT in a housing bubble.\nMost home owners are here to live in their homes. The high demand from homes over the last couple of years has created a low supply of homes for sale causing prices to increase rapidly. But this is changing and prices may be leveling off.\nAs prices have increased so has the inventory of homes for sale. This is nothing to freak out about right now because it looks like the inventory of homes for sale are at healthy levels necessary to maintain current prices. But with the slow season coming up through the holidays we may see a little dip in prices until the inventory of homes levels off or decreases.\nHow Many Days Does It Take To Sell A Home In Queen Creek Right Now?\nIf you would’ve sold your home in October of 2013 you could’ve expected to sell it in around 45 days for a median price of $205,000. Now the average days on market before a home goes under contract is 93 days with a median sale price of $260,000. So the market is slower, but prices are much higher.\nHere’s my quick plug… I can sell your home in 29 days at or above market value by doing a massive marketing blitz before your home goes on the market. If you are interested in finding out more contact me and we’ll start by getting you the pinpoint value of your home for free.\nAny questions about the direction of the real estate market? Leave a comment below.", "label": "Yes"}
+{"text": "Argos' festive period sales were the worst they had seen in three years\nArgos suffered its worst festive sales performance for three years.\nStores open at least a year posted 0.1 per cent higher turnover in the 18 weeks to January 3 compared with expectations for a 2 per cent rise.\nA 0.6 per cent rise in Homebase sales was also below forecasts.\nHome Retail Group chief executive John Walden said that on Black Friday sales at Argos soared 45 per cent.\nWalden added: \"In anticipation of the profit pressure caused by aggressive promotions, Argos pursued a more cautious trading stance.\n\"Next year the market will have learnt a bit.\n\"I expect you will see people trying to be more selective about what is on sale.\"\nHome Retail shares fell 13p to 199p.", "label": "Yes"}
+{"text": "Casey Neistat Net Worth - $12 MillionCasey Neistat is a film maker and YouTube star. Casey Neistat net worth is an estimated $12 million.\nCasey spends most of his time vlogging, tweeting and sharing pictures on Instagram. He co-founded the video messaging app called Beme together with web engineer Matt Hackett. The app was acquired by CNN late last year for $25 million.\nNeistat dropped out of Ledyard high school at the age of 15, never going back to graduate. While working as a dish washer to make ends meet, Casey got his girlfriend pregnant. His son Owen Neistat is now a teenager and features a lot on his dad’s vlog videos.\nHe is married to Candice Pool and have daughter named Francine. He had an HBO show, The Neistat brothers that aired in 2010.\nHow Much Money Casey Neistat Makes On YouTube\nThe channel has obtained 48,743,400 views in the last month across its 759 videos, which could translates to estimated revenue of $800,000 in the next twelve months.\nCasey Neistat is on an upward trend in terms of subscriptions, having acquired 125,121 new subscribers in the last 30 days.\nYouTube’s average pay for 1000 monetizable views is USD 2 to USD 5. Approximately 60% of the total views on a video are monetizable. Due to various factors on the web users’ side, approximately 40% – 60% of the views are monetizable depending on your audience.\nCasey Neistat net worth is boosted by income from his acting career, public speaking, directing Tv commercials for companies like Nike, Google, Samsung and Mercedes Benz.\nRead Also : Chris Smoove Net Worth\nLike this story? Like Realtime News On FaceBook and Follow Us on Twitter", "label": "Yes"}
+{"text": "How to combat authorized push payment scams\nEven before COVID-19 turned our world into a largely digital one, authorized payment fraud – where the victim agrees to send money to someone who has misrepresented who they are or what they will do with the money – was on the rise.\nNow fraudsters are exploiting people’s changed behaviors, anxieties and general uncertainty to devastating effect. Following the accelerated adoption of digital payments, many are plying their trade online, where it is easier to mask their identity and motives. The scams vary from fraudulent invoices, when the fraudster sends a fake invoice seemingly sent by a regular vendor to the victim; romance scams, where the victim is courted, often over the internet, and manipulated into sending money to the fraudster; purchase scams, where the fraudster convinces someone to pay for goods or services that will never be delivered; and more. They target consumers and businesses of all sizes — even government agencies and organizations — in equal measure.\nThe convenience and speed of digital real-time payments make it even harder to stop these scams because the payment is irrevocable and stolen funds can be moved on or laundered quickly. What’s more, because the payment is authorized by the victim, the victim is usually liable. That means it’s more important that ever to deploy fraud prevention before these payments gets made.\nP20, a forum for global payments players to work together on issues of accessibility, security and inclusivity, has released a study with best practices for industry, regulators and government leaders to combat authorized payment scams. The working group included Mastercard's Liam Cooney, vice president for financial crime solutions. The goal is to work toward a comprehensive, industry-wide approach to enable rapid information sharing and collaboration to detect and prevent money from reaching these criminals.", "label": "Yes"}
+{"text": "I often talk about how the gold trade is really two separate trades. There’s the Fear Trade that buys gold out of fear of war or poor government policies. This crowd sees the precious metal as a safe haven during times of crisis, such as when gold rose over the fear of a war in Syria, but eased when a much more limited military action became likely.\nHowever, there were other factors beyond Syria driving gold. That’s the Love Trade. This group gives gold as gifts for loved ones during important holidays and festivals.\nThis is the time of the year that we are in the midst of right now. Historically, September has been gold’s best month of the year. Looking at more than four decades of monthly returns, the precious metal has seen its biggest increase this month, averaging 2.3 percent.\nIndians will be getting ready for their wedding season that begins in October followed by the five-day Hindu festival of lights, Diwali, which is India’s biggest and most important holiday of the year. In December, millions of people will be gathering with loved ones to exchange gifts as they observe Christmas. And finally, millions will celebrate Chinese New Year at the end of January 2014.\nIn India, there’s also the harvest season to consider, as its crop production relies on rainfall for water.\nOne positive driver for gold this year is the fact that the country has had a heavy monsoon. The rains that started in June covered most of India at the fastest pace in more than 50 years. About 70 percent of the annual rainfall in India happens from June to September, and a strong monsoon season usually means a bumper crop, which boosts farmers’ incomes.\nThat could increase gold buying as well, negating the government’s efforts to quell India’s gold-buying habit. Historically, good monsoon seasons have been associated with strong gold demand. “In 2010, the last year that rains were heavily above average, demand soared 37 percent in the fourth quarter after harvests,” says Reuters.\nIn the rural areas of India, there is little access to banking networks, so gold is used as a store of wealth, says Reuters. And with half the population in India employed in agriculture, it’s no surprise that 60 percent of all the gold demand in the country comes from these rural areas.\nIndia’s rural community has seen a “hefty rise” in income this year, reports Mineweb. But instead of buying gold, Mineweb says Indian farmers may purchase land due to gold in local currency reaching “dizzying heights.”\nParticularly over the past few weeks, as the currency faced increasing weakness, gold in rupee spiked. Over the past three years, gold is now up 58 percent compared to gold in the U.S. dollar, which rose nearly 12 percent.\nDespite this possible short-term threat to gold demand, keep in mind the East’s long-term sentiment toward the metal. You can see this encouraging sentiment in the chart below, as people in China and India have a “particular positivity around longer-term expectations for the gold price,” according to the World Gold Council (WGC).\nIn May and July, the WGC asked 1,000 Indian and 1,000 Chinese consumers where they think the price of gold will be in five years. The two charts show the respondents’ answers in May, when the average price of gold was about $1,400, and again in July, when the average price of gold was $1,200 an ounce.\nOverwhelmingly, consumers in India and China believe the price of gold will increase over the long-term.\nWhat’s interesting is when you compare the responses between May to July, there’s an “extremely resilient sentiment around the future trajectory of gold,” says the WGC. In May, 62 percent assumed gold would increase; in July, the number increased to 66 percent.\nThe survey also shows that there are not too many gold bears in the East. Only 11 percent of those who responded in July think the price will decrease.\nRemember, this area of the world has a different relationship related to both the Love Trade and the Fear Trade. And it’s not easily broken.\nFrank Holmesfor The Daily Reckoning\nEd. Note: The East’s view of gold has been around for centuries, and as Frank points out, that view is not easily broken. So when these “love trade” months roll around, it’s important to listen to all the facts and keep a watchful eye on the gold market. The Daily Resource Hunter gives regular and detailed analysis of all the goings on in the gold and resource markets. And it is completely free to sign up. Along with your free subscription, you’ll be given unique chances at profit opportunities every single day. This is something you don’t want to miss. Sign up for your FREE subscription to The Daily Resource Hunter, right here.\nOriginal article posted on Daily Resource Hunter\nFrank Holmes describes the things that affect the velocity of money and why gold is not the unattractive investment it seems to be. He also raises some very interesting questions as to whether today's inflation numbers are being manipulated and whether the unemployment rate is actually going down.\nFrank Holmes is chief executive officer and chief investment officer of U.S. Global Investors Inc. The company is a registered investment adviser that manages approximately $2.08 billion in 13 no-load mutual funds and for other advisory clients. A Toronto native, he bought a controlling interest in U.S. Global Investors in 1989, after an accomplished career in Canada's capital markets. His specialized knowledge gives him expertise in resource-based industries and money management. The Global Resources Fund was also Morningstar's top performer among all domestic stock funds in the five-year period ending Dec. 31, 2006.\nApart from the usual sentimental human behaviour that maintains\nprice growth incrementally, more of a concern for metal philosophy\ncould be possibility of war outbreak and multiplication of paper financially.\nHas the critical point reached where many became restless and itchy,\nyearning some drastic measure or sentimental adventure? After decades\nof major event shortages? As regard paper, the current growth is trending\nand few would risk curtailing it that incidentally attracts more predicaments.\nDespite rapidly rising food prices, American households still spend relatively little on groceries. And while plenty of factors contribute to lower food costs in the US, that can lead to serious competition... and that means a good investment opportunity is right around the corner. Dave Gonigam explores...\nWouldn't it be convenient to know how fragile or how prone to cracking up the stock market... bond market... and housing market are? Well, Chris Mayer recently created a new index that does just that. And it's signaling that a sharp drop in asset prices is a high possibility. Read on...\nSince its introduction more than nine years ago, bitcoin has gone from fledgling digital currency to complete phenomenon. And while it still has its detractors, there's good reason to believe that bitcoin could very well be the \"currency of the future\" its proponents claim it is. And Google just agreed with them. Luke McGrath explains...\nCapitalism has become a dirty word in America. But that's only because the current form of capitalism being practiced in the U.S. is a corrupt version of what the Founding Fathers had in mind... It's now something wholly unrecognizable and far more dangerous than what any of them had in mind. Richard Ebeling explains...\n\"Buy land,\" the old saying goes, \"they're not making it anymore.\" Of course, there's more to it than that. But if you look closely at some of the disturbing trends in US farmland, you'll find that this could be some of the best investment advice you get all year. Addison Wiggin has the full story...\nFrom heightened political pressure on Russia to the conflict between Israel and Palestine, it seems world events in the last week have really spooked the markets. But even before that, there was something else that was worrying investors... earnings. Today, Greg Guenthner explains how this will play out...", "label": "Yes"}
+{"text": "The Fort Edward and South Glens Falls school districts could save $3.13 million in the first year of a merger and $40 million over the next 15 years, according to a consultant’s analysis.\nDeb Ayers, of Castallo and Silky Educational Consultants, said taxes could be reduced by 32% for Fort Edward homeowners and 7% for people in Moreau and Wilton.\nAyers presented the figures at the Feb. 22 meeting of the committee.\nThe merger, technically an annexation of Fort Edward by South Glens Falls, would save the combined district $1 million through the reduction of two elementary positions and seven secondary school positions. There would be another $650,000 in savings in other efficiencies.\nHowever, there would be additional costs. A merger would require nearly $300,000 in additional salary and benefit costs for the Fort Edward teachers to “level up” to the South Glens Falls salary schedule. In addition, there would be another $516,000 in transportation costs.\nAlso, the combined district would lose $350,000 in BOCES aid because there would be some services that the district no longer needs and the district would not get state aid for them. For example, Fort Edward does not have a business manager and contracts with BOCES for that service. South Glens Falls has that position to fill that role in the combined district.\nPeople are also reading…\nHowever, the state provides incentive aid to encourage districts to merge. The combined district would receive almost $50 million over a 15-year period, with the payments gradually getting smaller each year.\nThe combined district would receive $5.22 million in the first year.\nAyers said the consultants recommend splitting that incentive money three ways and using one-third for the operating budget, one-third to reduce taxes and one-third to fund reserves.\nThe district could use an additional $1.74 million in the first year to offer new electives, replace equipment, add student support services, provide new extracurricular activities and increase professional development staff, according to Ayers.\nAnother $1.74 million could be used to reduce taxes. The district would receive $541,000 in additional building aid and another $360,000 in transportation aid. That totals $2.64 million in new revenues.\nEven factoring in the additional costs, it would be a net positive of $3.13 million to the district.\nTaxes would go down\nThe savings and additional revenue would allow the tax rate to be reduced, according to Ayers.\nAyers said it is a complicated discussion because of different assessed values. Fort Edward properties are only at 70% of assessed value. The district’s tax rate is currently $29.28 per $1,000 of assessed value. If all properties were at full value, the rate would be $21.37 per $1,000. That would be reduced to $19.99 under a merger.\nSouth Glens Falls has three different communities — Wilton, Moreau and Northumberland — which all have their own equalization rates. The rate for Wilton would go from $17.64 per $1,000 of assessed value to $16.43. The rate for Northumberland would drop from $17.21 to $16.04 and the rate for Moreau would go from $15.66 to $14.59.\nThe owner of a home assessed at $100,000 in Fort Edward would see their tax bill drop by nearly 32%, from $2,928 to $1,999.\nA Moreau resident with a house assessed at $100,000 would see their tax bill go down 7%, or $107, from $1,566 to $1,459. A Wilton property assessed at $200,000 would see the taxes also drop by 7%, from $3,528 to $3,286.\nOne concern expressed by committee members is the loss of jobs.\nFort Edward Teachers Association President Marianne Stark said that at the end of the day, Fort Edward would technically be annexed by South Glens Falls. The staff rosters would not be combined. Rather, Fort Edward staff would have the opportunity to obtain positions.\nSouth Glens Falls Superintendent Kristine Orr said when there is a need to cut positions, the district always looks at reducing them through attrition. That is especially true during the pandemic, where the district has been trying to be understanding to people’s situation and avoid layoffs.\n“You’re looking at other ways and other avenues,” she said.\nSo, Orr added that while this study mentioned cutting certain positions because of the current numbers, that doesn’t necessarily mean those teachers would be let go.\n“I know we want this hard-fast guarantee that no people would lose their positions,” she said.\nThe nearly $300,000 cost to level up the salaries is relatively low compared to some other merger studies, according to Orr.\n“When that number becomes gigantic, it becomes hard to talk about not losing people,” she said.\nConsultant Alan Pole said that given the rate of retirements and normal attrition on an average year, he would be surprised if anybody lost a job involuntarily.\n“You’re going to have many more vacancies than you’re going to have position reductions,” he said.\nAnother topic that came up was the idea of Fort Edward paying tuition to send its students in grades 7-12 to South Glens Falls.\nOrr said it would not be financially feasible. Her district would have to hire staff and the tuition the district would charge Fort Edward would not make it worth their while.\nPole agreed that tuitioning does not make a lot of sense. The idea of tuitioning students inevitably comes up during merger studies. However, the district would not receive additional incentive aid in this scenario.\n“We’re not going to get the $50 million that you’re looking at. Why would we do that?” he said.\nThe committee met again on Wednesday to discuss the issues further. Its next scheduled meeting is April 12 at 6 p.m., when the draft report will be presented.", "label": "Yes"}
+{"text": "Many borrowers are now living in concern about just what will take place when they neglect to pay off their loans that are payday although the genuine repercussions could be difficult to find out. Anecdotal horror tales and loan providers whom flex the rules have a tendency to blur the reality. Jail arises surprisingly usually within these sectors, that could frighten individuals into making increasingly dangerous mistakes that are financial. Therefore, can it be real? are you able to go to prison for maybe not trying to repay a cash advance?\nDon;t stress. Jail isn;t a punishment that is legal defaulting on debts. Having said that, there are numerous alternative methods an unpaid loan can make life difficult. Payday loan providers, in specific, can be quite aggressive about gathering from their borrowers. This guide will show you just what really takes place to individuals who neglect to pay off their loans that are payday.\nDining Table of articles\nJust Exactly Just What What The Law States States About Jail For Unpaid Debts\nThe buyer Financial Protection Bureau (CFPB) helps regulate and notify borrowers about financing. They;ve managed to get clear that legislation enforcement can;t arrest borrowers for defaulting on almost any loan.\nThere are 2 types of offenses and subsequent branches of legislation:\n- Civil: appropriate procedures are between people (or companies). One celebration sues one other for failing woefully to perform their appropriate responsibility.\n- Criminal: The dispute is between your national federal federal government and a person (or company). The us government seeks punishment for the misdemeanor or felony.\nCivil offenses include breaking the rate restriction, slander, and breach of agreement. Fines as well as other way of reparation would be the only appropriate punishments. Individuals can&;t visit prison for committing an offense that is civil.\nIt doesn’t matter what any payday loan provider says, perhaps maybe not having to pay a financial obligation is just an offense that is civilbreach of contract). Whenever a court of legislation convicts a debtor for that, they;ll never need to visit jail.\nCriminal offenses really are a great deal much more serious. They consist of theft, prostitution, and homicide. They are the full instances that will secure individuals in the prison cellular.\nThe Difference Between Fraud and Failure to cover\nPredatory payday loan providers usually accuse borrowers of fraudulence if they default on loans. But don&;t worry, i;s bluster.\nThere are many forms of fraudulence. A few of them are unlawful offenses and punishable with prison time. But not one of them are synonymous with defaulting on that loan.\nUsually, payday loan providers accuse their borrowers of committing check fraudulence. That;s whenever some one works on the post-dated check to avoid having to pay whatever they owe. Whenever a recipient tries to cash the check, there aren’t any funds into the account.\nBut to convict somebody for check fraudulence, there must be proof of an intention never to spend. That;s extremely tough to prove, specially into the full instance of a debtor who are able to state they attempted but neglected to repay their financial obligation.\nLenders may take borrowers to court for defaulting on the debts, nonetheless they can’t legitimately jeopardize prison time. They open themselves up to countersuits if they do make those threats.\nJust Just What Can Payday Lenders Do If You Don;t Pay?\nLoan providers can;t send borrowers to prison for maybe maybe maybe not trying to repay a cash advance, however they have actually other choices.\nCash advance borrowers often offer their banking information or even a post-dated check upfront. When they are not able to spend their loan back, loan providers will debit the lender account or try to cash the post-dated check.\nIn the event that debit that is initialn’t go through, they’ll you will need to charge a few lower amounts to obtain the final little bit of money in the account. Very often contributes to overdraft charges.\nAfter that, the lender that is payday;s next thing should be to downer from the defaulted account up to a financial obligation collector. They’d rather avoid that, if at all possible. It’s not often really lucrative. In cases where a debtor makes an offer that surpasses what the financial institution would get from the debt collector, they may go on it.\nIt’s far better for the debtor to help keep their account away from collections, too. Loan companies frequently utilize underhanded intimidation strategies, including aggressive telephone calls.\nOf course enthusiasts can’t close on a financial obligation, they may simply take borrowers to court within the balance. It’s usually worth every penny, whether or not the loan ended up being for a amount that is relatively small.\nPayday advances have actually high penalties for defaulting. Those charges and costs can easily turn a little pay day loan right into a big sum. And enthusiasts that win a court situation against borrowers can garnish their wages to gather all of it as time passes.\nExactly Why Is Arrest For Defaulting Such A Standard Myth?\nThere’s two main reasons that so many borrowers are worried about gonna prison for maybe maybe not paying back their cash advance.\nThe foremost is that predatory loan providers continue steadily to jeopardize individuals with arrests, regardless of the statutory laws and regulations against it. Regrettably, numerous borrowers think them and distribute the misconception further.\nThe 2nd reason is arrests often do take place. maybe maybe Not just because a debtor does not repay their loan, but since they neglect to show as much as court when summoned.\nIf your payday loan provider or a collections agency sues a debtor, they need to at the very least appear to court. When individuals miss their court dates, it places them at an increased risk of arrest for ignoring a court that is official.\nFrom the bright side, turning up towards the court procedures might shock the lending company. Should they&;re not prepared to show breach of agreement, the court may dismiss the scenario. That may clear a debtor;s financial obligation, or at the very least avoid any future garnishment of wages.\nJust Just What Should You Will Do In The Event That You Can;t Spend Straight Straight Right Back An Online Payday Loan?\nBorrowers whom can’t pay off their loans that are payday begin negotiations making use of their lender as soon as possible. It&;s much easier to negotiate a repayment plan prior to the loan provider attempts to gather.\nPayday lenders could be specially vunerable to threats of bankruptcy. Filing for bankruptcy renders numerous unsecured outstanding debts void. They’d be unable to gather or offer the account.\nEven when a debt collections agency holds the account, settlement can nevertheless work. It never ever hurts, therefore https://autotitleloansplus.com/title-loans-fl/ the worst they are able to no say is.\nIn the event that lender or collector has filed a suit, it could be worth searching for counsel that is legal. They are able to help borrowers manage the nagging problem as effortlessly as you are able to. In cases where a borrower can;t afford legal counsel, they need to nevertheless show as much as their court summons.\nWhen you have other questions regarding the way to handle your payday advances, contact DebtHammer. We assist borrowers to battle against predatory payday loan providers and acquire from the pay day loan trap.", "label": "Yes"}
+{"text": "– UK, London – Kingswood Holdings Limited (LON: KWG) today announced the appointment of David Lawrence as UK CEO, reporting to Gary Wilder, Group CEO and the board of Kingswood Holdings Ltd.\n“I am delighted that David has agreed to join Kingswood as our UK CEO to drive us through our next exciting phase of growth. As the business continues to expand, we want to ensure we have an experienced industry leader in place to accelerate our growth plans including our best in class DFM proposition and to drive synergies and efficiencies from our integration efforts. In David we believe we have that person”. said Group CEO, Gary Wilder.\nFollowing the regulatory approvals, he will also become a director of Kingswood’s UK subsidiaries.\nThe company also announced that Graydon Butler will also be stepping off the board of Kingswood Holdings Limited on 1 January 2021.\nBuzz West, Group Chairman commented: “Patrick has been an integral leader of our business over the last two years as we built a foundation for growth and the Board is pleased he has agreed to assume the Group Chief Financial Officer on a full-time basis as we continue to expand. I would also like to thank Graydon for his service to the Company. I am delighted to welcome David to Kingswood and look forward to the next exciting phase of our development.”\nAbout David Lawrence\nDavid has over 30 years’ experience in financial services with Lloyds Banking Group where he has held numerous senior leadership roles in distribution and functional areas across its Retail, Commercial and Insurance divisions.\nIn 2014, David became the Commercial Director and then COO for Lloyds’ Private Banking and Wealth businesses with additional responsibility for its Mass Affluent proposition and strategy.\nOver the last two years, David has played a lead role in the establishment of Schroders Personal Wealth (a joint venture wealth management business between Lloyds Banking Group and Schroders). David became Chief Commercial Officer for this business in March 2019 with primary responsibility for its client proposition, client experience and business development.\nDavid Lawrence, UK Chief Executive Officer commented: “Kingswood has a clear ambition to build a leading wealth management business in the UK (and internationally) and I am delighted to be joining the business at such an exciting time.\n“The UK business has a healthy pipeline of acquisition opportunities and my early focus will be on converting these, integrating them and delivering accelerated organic growth through our regional hubs.\n“A complimentary focus on creating enhanced client experiences through an optimal blending of technology and adviser interaction and the development of progressive, relevant and great value client propositions, will further fuel growth as well as bringing operational efficiencies.”\nKingswood Holdings Limited is an AIM-listed international fully integrated wealth management group, with around 16,000 active clients and circa £5.0 billion of Assets under Advice and Management. It has a growing network of offices in the UK including Abingdon, Beverley, Darlington, Derby, Egham, Grimsby, Hull, Lincoln, London, Maidstone, Newcastle, Sheffield (2), Worcester and York with offices in Johannesburg, South Africa and Atlanta, New York and San Diego in the US.\nKingswood offers a range of trusted investment solutions to its clients, which range from private individuals to some of the UK’s largest universities and institutions, including investment advice and management, personal and company pensions and wealth planning. Kingswood is focused on becoming a leading player in the wealth and investment management market through targeted acquisitions in the UK and US, creating a global business through strategic partnerships.\nFor more information: https://www.kingswood-group.com/\n- Disclaimer - News, data, and statements included in this release are intended exclusively for general information purposes. Talent4Boards does not guarantee that news is accurate or about the correct person and accepts neither liability for the consequences of the reader’s reliance, nor responsibility for the accuracy of the information. Nothing in this release should be considered for decisions about referred securities. Products and brand names may be trademarks or registered trademarks of their respective owners.", "label": "Yes"}
+{"text": "We are offering online registration for the 2020 reunion. Now you can conveniently register and pay online (Complete this form only if you plan to pay online). Please follow the steps below to complete your online registration:\nPayee: Preston ThomasOnce you complete the steps above you and your family are all set. If you have any problems with the forms please direct your questions to firstname.lastname@example.org.\nMobile#: (318) 547-1871", "label": "Yes"}
+{"text": "Somewhere in the middle of the 2008 financial and real estate market crisis, I began writing a semi-monthly blog to my clients, family, friends, and prospects addressing the dark and painful, and seemingly endless, drop in global economic market valuations. This moment in time was known as our Great Recession. It was real and it was devastating for millions of American families. It would forever change the investing public’s perception of risk and trust in financial institutions in our country.\nThere was no shortage of public commentators, news stories, and geniuses who proclaimed they predicted the financial downward spiral happening before them. The ‘Monday morning quarterback’ effect was in full swing. As people watched the equity in their homes evaporate and begin a sort of ‘sucking sound’ as the American dream of home ownership was flipped upside down, their retirement accounts were equally battered with scars as they shed 30, 40, and even 50% of their previous ‘high’ value.\nGoing back to the purpose of why I began writing a blog, my objective was to enlighten investors to understand that the only rational way to invest is to put markets, time, and risk into perspective. Once these basic tenets were understood and agreed upon, the only factor left to control was the behavior of my clients. Keeping someone from sabotaging their own plans by doing something (buying and/or selling) at the wrong time is the most important part of my job. This is something the day-to-day playbook used by the mainstream media would rather not discuss.\nThis past week, the ‘noise’ is back, and with greater abundance through multiple social media, TV, and radio outlets. The S&P 500 index dropped nearly 7% in only 3-days of trading. Scare tactics and news stories are again using words and phrases like, “Octoberphobia,” “Dow tumbles and investors are spooked,” and even “Ugly picture for bulls.” This morning, another unsubstantiated article even suggested that we are on our way to a “50% correction.” With statements like this, who wouldn’t begin to doubt their long-term plans?\nAfter reading these headlines, I thought I would throw out some historical data to show how even a person with the worst investment luck in the world would have fared during our last great recession. And I know that many of you reading this might associate with being ‘that person’ who has the worst of luck!\nLet us presume that someone, we’ll call him Bad Luckman, invested all his cash into an S&P 500 index fund 11-years ago this month on the exact day the S&P 500 hit its highest level in history (up to that day): 1,561. If Bad Luckman remained in his investment and watched it drop by 51% over the next 17-months (that’s how much the S&P 500 index dropped over that period), and rode it out until today, he would be up about 80%*…and that includes the recent 7% decline. Today, (10/16/18), after last week’s major sell-off, the S&P 500 index closed at 2,809.\nIn reality, having the same bad luck as “Bad Luckman” would be a hard act to follow, just as it would be nearly impossible to know exactly when to get out of the market. If you think you can pick the right time to get out, and again, the right time to get your money back in the market, then by all means, write a book and start an investing show. If you’re right, I’ll look forward to celebrating the christening of your new 100-foot yacht purchased with the proceeds of your winning formula.\nBut if you’re like 99.9% of investors and money managers who cannot predict the day-to-day movement of the markets, maybe you just need a guide to keep you from making an emotionally charged decision that goes against your investment goals based on a specific timeline and risk tolerance. The stock market moves up and down every trading day, and typically trends in one direction. If you want to discuss why your account value is moving the way it is, or if you aren’t comfortable with the size of the movement, give me a call to discuss. I can hopefully put it all back into a perspective that makes sense to you.\n*This is a hypothetical illustration, which may not be used to project or predict investment results. The S&P 500 Stock index is a widely recognized, unmanaged index of common stocks. Past performance is no guarantee of future results. Average annual returns assume the reinvestment of all distributions and/or dividends. Indices are unmanaged, statistical composites and their returns do not include payment of any sales charges or fees an investor would pay to purchase the securities they represent. Such costs would lower performance. It is not possible to invest directly in an index.", "label": "Yes"}
+{"text": "It was a week when both oil and natural gas prices recorded gains.\nThe headlines revolved around oilfield service major SLB’s (SLB – Free Report) majority stake purchase in Norway’s Aker Carbon Capture and European energy biggie Repsol’s (REPYY – Free Report) partnership with agribusiness firm Bunge Global on renewable fuels. Developments associated with VAALCO Energy (EGY – Free Report) , Shell (SHEL – Free Report) and Enbridge (ENB – Free Report) also grabbed attention.\nOverall, it was a bullish seven-day period for the sector. West Texas Intermediate (WTI) crude futures moved up around 3.2% to close at $83.17 per barrel, while natural gas prices went higher by 6% to end at $1.76 per million British thermal units (MMBtu).\nThe crude price action remained positive for the third week running, primarily on the back of relatively bullish fundamentals and tensions in the oil-rich Middle East.\nMeanwhile, natural gas settled with its third gain in the last nine weeks on positive inventory numbers and signs of production pullback.\nRecap of the Week’s Most Important Stories\n1. SLB, the largest oilfield contractor, has announced its plans to merge its carbon capture segment with Aker Carbon Capture (“ACC”). The partnership aims to expedite the global transition toward net-zero emissions by scaling up carbon capture technologies. Per the terms of the agreement, SLB will acquire an 80% stake in Aker Carbon Capture Holding AS (“ACCH”), which encapsulates ACC’s operations, for NOK 4.12 billion.\nThe collaboration is not just a financial transaction but a strategic alliance to enhance the carbon capture, utilization and sequestration (“CCUS”) landscape. SLB has committed to make additional payments of up to NOK 1.36 billion over the forthcoming three years, contingent on the joint venture’s performance.\nThe merger of SLB and ACC is poised to create a powerhouse in the carbon capture domain. The combined enterprise aims to revolutionize the market by leveraging ACC’s established commercial carbon capture product suite, and SLB’s innovative technology and industrialization prowess. (SLB and ACC Join Forces to Accelerate Decarbonization Efforts)\n2. Spanish energy giant Repsol and renowned food and agribusiness company Bunge Global have decided to form a partnership to capitalize on the new opportunities aimed at meeting the rising demand for lower carbon-intensity feedstock used in the production of renewable fuel. By joining forces, both companies will work together to accelerate the expansion of renewable fuel production, keeping in mind the mandates provided by the European Union.\nAs part of the agreement, Repsol, which carries Zacks Rank #3 (Hold), will be acquiring a 40% stake in three industrial facilities in the Iberian Peninsula. The three facilities are owned by Bunge Iberica, a subsidiary of Bunge. The total consideration for the transaction is $300 million, with up to $40 million in contingent payments. The deal is subject to customary closing conditions.\nPer the agreement, the three plants dedicated to the production of oils and biofuel will be operated by Bunge. These plants are located in Bilbao, Barcelona and Cartagena, near Repsol’s industrial complexes in the region. The collaboration allows Repsol to gain access to a wide portfolio of low-carbon intensity feedstock used in the production of renewable fuel. This also provides an immediate way to speed up the process of reducing emissions from transport, including cars, trucks, airplanes and shipping. (Repsol and Bunge to Ramp-Up Renewable Fuel Supply)\n3. VAALCO Energy and its partners have signed the final documents for the Joint Operating Agreement related to the Venus Block-P plan of development (“POD”), after receiving the Government of Equatorial Guinea’s approval. VAALCO is serving as the operator of the block with a 60% interest. The other partners in the project are state-owned GEPetrol and Atlas Petroleum International Ltd.\nThe Block P Production Sharing Contract outlines a 25-year development and production period from the date when the POD was approved. The POD was approved in 2022. The West Africa-focused oil and gas finder will move to develop, operate and produce from the discovery offshore Equatorial Guinea in the next few years.\nVAALCO will move forward with the Front-End Engineering Design study, which, upon completion, will lead to an economic Final Investment Decision (“FID”). The FID will facilitate the development of the Venus POD. (VAALCO Gets the Green Light for Block-P Development)\n4 Shell’s renewable energy subsidiary, Shell New Energies US LLC, recently…", "label": "Yes"}
+{"text": "Several months back, Mozilla launched a new initiative – the MOSS program – to provide financial support to the open source software projects it relies on. Mozilla allocated $1 million to the MOSS fund to provide grants for up to 10 projects matching the program’s criteria.\nRead the Docs is among the first round of awards made for the MOSS program. Our proposed grant, for $48,000, is to build a separate instance that integrates with the Python Package Index’s upcoming website, Warehouse. This integration will provide automatic API reference documentation upon package release, with authentication tied to PyPI and simple configuration inside the distribution. API reference documentation on every release will be the starting point of this work, prose documentation generation will be more difficult here, as not all packages use Sphinx or rST for documentation.\nFirst off, a big ol’ thank you is in order for everyone that helped support us. You all helped us hit our funding goal, and with time to spare. We’re humbled to have such an abundance of support, and to know so many people share our vision for great documentation.\nReally, thank you all. ❤", "label": "Yes"}
+{"text": "Arrival, the company creating electric vehicles (“EVs”) with its game-changing technologies has announced it is to float on the New York-based NASDAQ stock exchange.\nThe company, which has a major research and development facility in Banbury, and a micro-factory in Bicester, will combine with CIIG Merger Corp – a Special Purpose Acquisition Company (SPAC) – and the newly combined company will be listed on the NASDAQ under the new ticker symbol “ARVL”\nA special purpose acquisition company (SPAC) is a company with no commercial operations that is formed strictly to raise capital through an initial public offering (IPO) for the purpose of acquiring an existing company.\nThe transaction values the combined company at $5.4 billion and is expected to provide approximately $660 million in gross cash proceeds to the Company which will be used to deploy its first two Microfactories in Bicester (UK) and South Carolina (USA) in 2021.\nArrival is challenging the 100 year old automotive production process, by producing its EVs in low CapEx, low footprint Microfactories. Its operations utilize Arrival’s in-house proprietary technologies and advanced cell-based assembly method to bring down the cost of EVs and accelerate mass adoption globally.\nArrival’s initial focus is on the commercial vehicle market, which is undergoing a seismic shift towards electrification in line with global public policy. Arrival believes that it is well-positioned to capitalize on this market opportunity with its technology-driven approach to a traditionally underserved market. The result is its best-in-class products with an exceptional user experience that are priced competitively with fossil-fuel vehicles and have a substantially lower total cost of ownership (“TCO”) than both fossil fuel and electric variants.\nArrival’s transformative Microfactories can be deployed anywhere in the world within six months, using existing warehouses close to areas of demand. These Microfactories are designed to produce any vehicle from Arrival’s portfolio customized for the cities and regions they serve. The vehicles are designed specifically for Microfactory assembly using Arrival’s proprietary in-house developed components, software and sustainable composite materials.\nArrival’s vertical integration and new method of production break the rule of economies of scale and create strong unit economics for the whole Arrival product portfolio, which Arrival expects will enable profitability for the business by 2023. Arrival’s strategy to reach industry-transforming flexibility and scalability is based on the utilization of Microfactories, as opposed to giant, capital-intensive legacy factories.\n“With Arrival’s products, our clients are not forced to compromise between being green and being cost-efficient. Our focus on the whole EV ecosystem, new methods of design and production and our enabling technologies are the key to driving down the cost of EVs and accelerating the transition to zero-emission transportation globally,” said Denis Sverdlov, Founder and CEO of Arrival. “CIIG’s leadership team has invaluable experience building businesses globally across a wide range of industries. We are excited to partner with them as we begin our journey to being a publicly-listed company and delivering our products to customers and cities around the world.”\n“Arrival’s bold, game-changing approach to the production of electric vehicles made the company the clear winner in our search for a partner,” said Peter Cuneo, Chairman and CEO of CIIG. “Operating in stealth mode for five years, Denis and his visionary team have rewritten the rules of the game for the auto industry. Arrival’s development of exceptional products using its pioneering technology and software alongside its groundbreaking new method of production can create an incredibly low TCO for customers which we believe stands them apart from everyone else in the electric vehicle industry. We look excitedly to the future and to our partnership with Arrival’s talented leadership team.”\nSeveral blue-chip companies and investment firms have invested in Arrival, including Hyundai Motor Company, Kia Motors Corporation, Winter Capital, United Parcel Service (“UPS”) and funds and accounts managed by BlackRock. Hyundai and Kia are also exploring opportunities to co-develop zero-emission vehicles with Arrival.\nIn addition, alongside investment in Arrival in early 2020, UPS, the global logistics company, announced a commitment to purchase 10,000 electric vans and has the additional option to order more thereafter.\nSuccessful technology entrepreneur Denis Sverdlov will remain as Arrival’s CEO, with ex-Cruise Head of Strategy, Avinash Rugoobur, continuing as Arrival’s President. Mike Ableson, former VP of Global Strategy at GM, is CEO of Arrival Automotive overseeing global production.\nThe combined company will add Peter Cuneo, CIIG’s Chairman and CEO, as Non-Executive Chairman to its post-closing Board of Directors.", "label": "Yes"}
+{"text": "The project ESCOLIMBURG2020 deals with the translation of the ambition of the province of Limburg (Belgium) to become climate neutral by 2020 to the local Limburg context focussing on accelerating, province wide, large scale retrofitting (energy efficiency and renewable energy) of the public building stock of the 44 municipalities and the province itself.The project aims to accelerate and up-scale the concrete implementation of energy efficiency and renewable energy measures in the public building stock by making use of an ESCO-model, relieving the local authorities from complex investment processes.In 2010, the provincial energy grid operator Infrax started with an experimental ESCO-offer, but is now experiencing difficulties in enlarging and structuring this new service. This service is necessary to meet the amount and the complexity of projects already ordered by the municipalities. The ESCO offer consists in the management of the whole energy retrofitting process on behalf of the municipality, from the feasibility analysis to the tendering and implementation of the works. The investments are either paid upfront by the municipality or deferred.The project will develop the capacity of Infrax’s ESCO-department (financial & technical engineering, working processes, templates contracts…) in order to deliver large-scale investments of an estimated €19.8m. In parallel, municipalities will be engaged through the definition of detailed renovation plans for their building stocks, leading to the signature of contracts with Infrax.\nIn this page:\n- 40 Local authorities with a customized Retrofit and Renewables action plan for their public building stock\n- Development and roll-out of a performing ESCO-model taking into account scaling, bundling, repeatability, quality, comfort for the end user, cost efficiency, cost transparency, communicability of the processes, improved collaboration, allocation of risks etc.\n- Bundling of province wide total energy investments of 19.837.230 €, supported by the ESCOLIMBURG2020 project\n- Achieving a reduction of GHG emissions of 19.504 tons of CO2e/year and at least 4.352 MWh/year of energy savings / 2.170 MWh/year of renewable energy\n- ‘Future proofing’ the construction sector through capacity building (affecting growth of the number of skilled actors in the construction sector, promoting the generation of new green jobs related to the implementation of energy facilities estimated a total amount of 100).\n- For further details please refer to the project website.\nPartners and coordinatorList Map\nProvince of Limburg\nDuration:01/04/2013 to 31/03/2016", "label": "Yes"}
+{"text": "Maintaining and restoring ocean ecosystems – or ‘ocean health’ – is synonymous with growing ‘ocean wealth,’ according to a soon-to-be published report by the World Bank and European Union. With rapid population growth, limited land and fewer terrestrial resources to house, feed and provide citizens with their energy needs, coastal nations across South Asia are looking seaward. In doing so, countries are clueing in on the fact that sustainably managing and developing ocean spaces is critical to a nation’s economic advancement.\nThinking Blue - thinking how best to sustainably tap ocean spaces as new sources of sustainable growth and transition to a blue economy - is new, although South Asian nations have used the sea for food and trade for centuries. Five years ago, few had an inkling of the emerging importance of the term 'blue economy.'\nBy late 2017, at the Second International Blue Economy Dialogue hosted by the Government of Bangladesh in Dhaka, interest in what the blue economy is and why it matters is at an all-time high and rising. Perhaps this not surprising.\nOur oceans cover more than 72% percent of the earth’s surface. It gives us food, essential protein and nutrition, as well as jobs (more than 350 million in poor countries), and recreation for a large portion of the world’s population. Oceans drive global GDP: 80% of global trade, 32% of hydrocarbons extracted for energy needs, and for almost 200 countries, tourism.\nThe Organisation for Economic Co-operation and Development estimates that our oceans contribute US$1.5 trillion annually, or roughly 3 percent of global value added and will be the source of the greatest number of new jobs over the next several decades.\nAs more and more countries look to the ocean as a new economic frontier and new source of industrialization and growth, the ecosystems upon which many ocean economic activities depend are changing at an unprecedented rate, and not necessarily for the better. While the ocean is responsible for generating 50 percent of the oxygen we breathe and can sequester up to five times more carbon than tropical forests, this important function is under threat due to climate change and other human-initiated factors.\nHowever, of the 54 ocean-facing nations, Bangladesh stands out. It is one of the few non-island countries that has been working systematically toward understanding how their coastal and ocean area could become an engine for sustainable development and economic growth. In 2014, Bangladesh hosted the First International Blue Economy Dialogue in Dhaka and Her Excellency Prime Minister Sheikh Hasina became the first head of state to give a nationally and internationally recognized televised speech on the blue economy. She pointed out that Bangladesh’s ocean space is a “new horizon” for sustainable economic growth and development.\nThe Government of Bangladesh is simultaneously leading and learning - hosting and joining high level international dialogues. In fact, Bangladesh and Portugal were two coastal countries that convened with small island developing states in Grenada to consult on a World Bank report that estimated that the economic contribution of the Caribbean Sea to GDP. Policymakers of that region agreed that you can’t manage what you don’t measure. A similar strategy is unfolding in Bangladesh and other South Asian countries to guide decision-making over policy and investment.\nThe World Bank and the European Union are supporting Bangladesh’s effort to better understand what the blue economy is and why it matters – essentially providing high level technical assistance and policy guidance on how transitioning to a sustainable coastal and ocean economy or blue economy. Together with the government, the forthcoming report lays out four steps to be followed:\n- Measure the coastal and ocean economy following accepted methodological approaches and assess valuation of ecosystems at the national level;\n- Manage the interactions between the ocean economy and ecosystems, and between Sectors using the proposed methodological and policy framework;\n- Invest in the transition to a blue economy through clear principles and processes that encourage sustainable growth in private investment;\n- Monitor progress towards agreed targets for the country’s blue economy policy objective.", "label": "Yes"}
+{"text": "Venture debt ($12,240 a year): The first venture-debt fund has returned almost all my initial capital, so I decided to invest $200,000 in the second fund. I took a risk investing $150,000 in my friend's first fund, so I'm hoping there's less risk in the second fund, given he has four more years of experience on top of his 12-plus years of experience running a venture-debt portfolio for another company.\nBullshit. If you have a job, you have marketable value. Maybe it’s low value, if you’re flipping burgers, but you can create value somehow. I don’t care if you have to start out by re-renting the parking spot in front of your apartment, you can find, create, or buy something valuable worth repeatedly selling or renting, or you’re not thinking hard enough. Here’s a free idea: A lot of people want to play with 3D printers. Get 5 of your friends together and buy one. Put up a website and a listing in the local paper. Charge $50/h for printing. Set up a system that verifies if payment has been submitted and then automatically prints out the files that have been emailed to you. Split the earnings with your friends. Boom. You have passive income.\nSpeaking from our own experience, you can’t be a passive McDonald’s franchisee. Every McDonald’s potential franchisee will need to complete at least thousands of hours of training before he/she would be approved to acquire a franchise and only if he/she has the financial resources to acquire a franchise. It could take years before one would get a single store franchise. Until the franchisee eventually has acquired multiple stores and established his/her own management team, the franchisee would have to put his/her nose to the grindstone and work his/her ass off every day. I won’t call it a passive investment by any stretch of imagination.\nAlmost all of these ideas require starting a personal blog or website. But the great thing about that is that it's incredibly cheap to do. We recommend using Bluehost to get started. You get a free domain name and hosting starts at just $2.95 per month - a deal that you won't find many other places online! You can afford that to start building a passive income stream.\nWhen a taxpayer records a loss on a passive activity, only passive activity profits can have their deductions offset instead of the income as a whole. It would be considered prudent for a person to ensure all the passive activities were classified that way so they can make the most of the tax deduction. These deductions are allocated for the next tax year and are applied in a reasonable manner that takes into account the next year's earnings or losses.", "label": "Yes"}
+{"text": "UTC 2022 is upon us and we want to get you ready for some of the great topics to come.\nOne of those conversations is Web3. While it is still in its early stages, and as a result, it has received mixed reviews from Wall Street to the basements of crypto bros. What exactly is Web3? What does this mean for the internet’s future? The panelist will provide the business cases for Web3 creator platforms, blockchain, and smart contracts which will be discussed here.\nThis discussion will also cover Web3’s metamorphosis since its inception and how it now affects our perception of the tech industry. Recent reports of Web3 include,\nCurrently estimated to be US$ 87761.35 million by 2030 and googled more than 190,000 times a day. Web3 has proven its staying power.\n1.) In 2021, more than 34,000 developers contributed code to open-source Web3 projects\n2.)18,000+ developers are actively working on open-source crypto and Web3 projects.\n3.) 81% of consumers who have heard about Web 3.0 think that it will improve their happiness and well-being.\nJoining us for this conversation is Joe Blau, Founder of Atomize will sit on this panel discussion to add how to build a Web3 community and how Web3 is at the forefront of blockchain technology and its high-earning capability.\nSign up for UTC 2022 here so that you can join this insightful conversation, led by industry leaders.", "label": "Yes"}
+{"text": "Walmart Inc. announced the acquisition of Cornershop, Inc., a leading online marketplace for on-demand delivery from supermarkets, pharmacies and specialty food retailers in Mexico and Chile. This transaction is an important step forward in accelerating the company’s omnichannel capabilities and growth in Latin America. It follows Walmart’s recent investment in Dada-JD Daojia in China and the strategic alliance with Rakuten in Japan. Walmart has entered into a definitive agreement to acquire Cornershop, Inc. for $225 million. Cornershop is a leading online marketplace for crowdsourced, on-demand delivery in Mexico and Chile and is rapidly building scale, with the number of unique users doubling in the past 12 months. Cornershop’s three founders, Oskar Hjertonsson, CEO; Daniel Undurraga, chief operating officer; and Juan Pablo Cuevas, chief technology officer, and their teams, will continue to lead the business. Click Read More below for additional information.\nProfits jumped 32% at HarperCollins in the second quarter of fiscal 2017 over the comparable period in fiscal 2016. EBITDA (earnings before interest, taxes, depreciation, and amortization) was $75 million in the quarter ended December 31, 2016, up from $57 million a year ago. Revenue in the quarter rose 4%, to $466 million.\nThe revenue gain was attributed to a mix of strong frontlist sales from such titles as The Magnolia Story and Chaos as well as continued solid sales of backlist books such as Jesus Calling and Jesus Always (both by Sarah Young) and Hillbilly Elegy. In a conference call with analysts discussing the results, Robert Thomson, CEO of News Corp parent company of HC, attributed the improvement at the publishing company to HC’s “broad roster of books that appealed to and explain the heartland of America, focusing on all Americans and not just the narrow elite.”\nHC also benefited from a 3% increase in digital sales in the quarter which was led by higher sales of digital audiobooks. News Corp CFO Bedi Singh noted that the most recent quarter was the first time in two years digital sales rose over comparisons to the comparable period in the previous year Digital sales accounted for 16% of HC revenues in the second quarter..\nThe improved second quarter came after a down first period in which HC struggled with comparisons to the summer of 2015 when Go Set a Watchman sold over 1 million copies. For the first half of fiscal 2017, which ends June 30, 2017, HC’s revenues were flat at $855 million compared to the first half of fiscal 2016. EBITDA was up 24%, to $123 million.", "label": "Yes"}
+{"text": "The battle to succeed in a deal to revive the paycheck program simply weeks earlier than the election is all of the extra shocking as a result of\nThe battle to succeed in a deal to revive the paycheck program simply weeks earlier than the election is all of the extra shocking as a result of it is one of many few points that has had sturdy bipartisan help all through the pandemic. Lawmakers overwhelmingly backed this system, which offered $525 billion to greater than 5 million companies, and employers embraced it as a result of they might convert the loans to grants in the event that they agreed to not hearth staff.\nHowever PPP has grow to be hostage to greater fights over the dimensions of all the rescue package deal, with Republicans refusing to conform to greater than $2 trillion in spending sought by Democrats.\n“The failure to go continued reduction ought to be met with way more outrage,” stated John Lettieri, co-founder of the Financial Innovation Group assume tank, and a former Senate aide. “It’s completely shameful.”\nNow, eating places, retailers and different small companies which have been among the many hardest hit face existential questions on whether or not they can survive by what’s going to seemingly be a number of extra months of Covid-19 working restrictions, which may escalate if the outbreak worsens. It may take that lengthy earlier than Congress, and probably a brand new president, are in a position to reduce a deal.\nAbout 86 % of PPP debtors have already spent their mortgage cash and about half anticipate they are going to want extra monetary help over the subsequent 12 months, in accordance…", "label": "Yes"}
+{"text": "The pandemic continues to create ripple effects across the global economy. No growth in 2020, rapid growth in 2021, slow growth in 2022. Looking to 2023 with a base case of recession in the United States, Europe and the United Kingdom, and growth in China should be below trend for at least a good portion. of 2023.\nBut what are the growth drivers for infrastructure in 2023, and how have recent macro drivers created tailwinds for the asset class?\nOn top of its relative appeal versus equities, infrastructure should benefit from several macro drivers in 2023 and beyond. First, energy security is driving policy globally, and achieving energy security will require building a significant amount of infrastructure.\nSupply constraints brought on by high gas prices and the Russia/Ukraine war highlight the importance of energy security and energy investment. It supports energy infrastructure, particularly in Europe, where additional capacity is needed to replace Russian oil and gas supplies, and in the United States, where new basins are being opened up, partly from Europe. To meet the current demand.\nMarket impact on infrastructure\nBond yields are likely to move higher in 2023 before leveling off along with inflation later in the year. For equities, contracting multiples driven by higher bond yields characterized the first part of this bear market.\nThe second phase of bear markets is typically a slowdown in earnings, this is expected to be especially a force in early 2023. However, the impact on infrastructure should be muted, especially for regulated assets, where companies derive their cash flows, earnings and dividends from their underlying asset bases.\nThose asset bases are expected to grow over the next several years. As a result, infrastructure earnings look better protected than global equities.\nUtilities look set to perform well\nInflation is correlated to the revenue or returns of most infrastructure companies. Regulated assets, such as utilities, have their regulated allowed returns adjusted for changes in bond yields over time. As real yields rise, utilities look poised to outperform.\nAs a result, changes in inflation and bond yields generally do not affect the underlying valuation of infrastructure assets. However, we have observed that equity market volatility associated with higher bond yields tends to affect the prices of listed infrastructure securities, making them more compelling than unlisted infrastructure valuations in private markets.\ndemand for new transport infrastructure\nIn transportation, adjustments in supply chains to change trade routes and bring production closer to home, either through reshoring or near-shoring, are driving demand for new transportation infrastructure. Airports are still struggling to return to pre-pandemic passenger levels, and that is likely to be hampered by a global recession in 2023.\nIn addition, the industry is experiencing changes in long-term trends such as business travel. Communications infrastructure continues to roll out 5G, develop 6G technology, and work to reduce network latency, driving significant investments in wireless tower businesses, which are typically associated with long-term inflation. carried out under contracts. However, in the short term, higher interest costs are affecting the bottom line.\nIRA industry will be transformative\nIn terms of fiscal policy, the US Inflation Reduction Act (IRA), signed into law in August 2022, is one of the most important pieces of climate legislation in US history. This has the potential to be industry-changing, especially for utilities and renewables.\nThe growing need for electrification—including more electric vehicle charging infrastructure and more residential and small commercial rooftop solar—will require new substations, new transformers and upgraded wiring along the distribution network.\nWe are already seeing its impact in utilities’ 2023 capital expenditure plans, with forward order books of companies involved in the energy transition – such as renewables, storage and components suppliers – increasing their growth profiles.\nOne key macro takeaway from the IRA: There’s no reason to build anything except renewables from now on. main reason? tax credits. Production tax credits for solar/wind are available until 2032 or until a 75% reduction in greenhouse gases is achieved (based on 2022 numbers). Either way, it’s expected to be a favorable wind for investing for more than a decade.\nSecular growth drivers for infrastructure should be on full display in 2023. US President Joe Biden wants to reduce emissions in the United States by 50% by 2030, with about half of US energy coming from solar plants by 2050.\nGoing net zero by 2050 would require approximately US$320 billion to be invested in electricity transmission infrastructure by 2030.\nInfrastructure spending is desperately needed for the next decade and beyond, and the first steps are being taken to meet these long-term goals.\nCharles Hamieh is managing director and portfolio manager at Clearbridge Investments, which is part of Franklin Templeton", "label": "Yes"}
+{"text": "The Davos Real Estate Group recently introduced Davos CAP Calculator, which is a new mobile application. This new mobile application is an innovative tool that is designed for offering investors with a clearer way in purchasing financial visions for real estate property in the United States. The Davos Financial Group, an investment committee that’s led by David Osio, has suggested consideration in the allocation of alternative assets within a broad portfolio and investing into real estate, since this could improve return on an individual’s investment portfolio, achieve balance with yield spreads, and reduce the associated risk levels. So of the factors that were highlighted by David Osio during his analysis was improved levels of performance, diversification criteria, the ability for influencing performance through improvements for an active property, and protection from inflation that is associated with income that is adjusted for income. Investment, just like with alternative assets, special and assessment considerations are required, these considerations may include the maintenance and selling of a property, and capitalization levels over time. This is the reason why the Davos Real Estate group, who are committed to quality service has developed the Davos CAP Calculator. The application helps to accurately and simply calculate capitalization rate, net income, and cash flow for the individuals investments in real estate. Among these functions the application provides, if entering mortgage information exist, it shows the terms and conditions that will impact the cash flow and profitability of the investment. The app is available for free in the iTunes store on the iPad, iPhone, and for androids it is available in Google Play. http://www.prnewswire.com/news-releases/david-osio-and-his-executive-team-at-davos-real-estate-group-launch-its-new-real-estate-application-300288823.html\nDavid Osio is the CEO and founder of the Davos Financial Group, through this position he has been responsible of the global and domestic strategy firm. In addition to this, the board for the Davos Financial Group has helped to define the mission and vision of the company. David Osio, from 1989 to 1993, was the vice president of Banco Latino International, a commercial banking company located in Miami. During his time in this\nposition, he was responsible over defining strategies. During his time at the bank, increases were reached in the international portfolio for the bank, and the counterbalancing of relative instability in the Venezuelan banking industry of the time. David Osio graduated with honors from the Catholic University Andres Bello of Caracas in 1988 as a lawyer. The most recent achievement Osio was in 2010 when he reached advancement in professional credentials, while he studied Management Investment Portfolios at the New York Institute of Finance.", "label": "Yes"}
+{"text": "Chris Christie accepts tax settlement from Donald Trump, essentially waving $25 million in casino tax payments for New Jersey.\nCasino operators across the United States have to pay a certain amount in taxes as well as fees to be able to operate under individual state regulations. Each state that offers casino gaming has a set percentage that has to be paid based on such factors as gaming type, location, etc. These rules apply in the state of New Jersey just like anywhere else. It was recently revealed that Donald Trump has not paid $30 million on owed casino taxes and he has now been allowed to forfeit $25 million of that tax amount.\nChris Christie Agrees to Deal\nNew Jersey decided to sue Trump for casino taxes that were not paid from a time frame of 2002 to 2006. The amount owed was $30 million. Trump was accused of filing false reports with regulators of state casinos on the amount of taxes in which his company was paid. The legal battle took place for six years until Chris Christie, the governor of the state, decided to step in.\nThe New York Times is reporting that the administration of Christie decided to accept the $5 million tax settlement proposed by Trump which is basically like 17 cents on the dollar based on what auditors have stated the casinos owed the state government. Many believe that the friendship between the two played a part in the deal that was agreed upon. Christie and Trump have known each other since 2002 when Christie was introduced to Trump by Maryanne Trump Barry, Donald’s sister.\nThe two have been quite chummy since meeting, with Christie being invited to a wedding for Trump, Trump attending the inauguration of Christie for governor, etc. It has also been revealed that Trump made huge donations to a nonprofit organization that works to maintain the residence of the governor.\nTrump has also been linked to donating to the Republican Governors Association and given as much as $170,000 to help back the election campaign of Christie. Trump has reportedly spent over $600,000 in donations to the republican group.\nA spokesman for the governor, Brian Murray, has made a statement in regards to the settlement, maintaining that Christie was not involved in the deal being made. Murray stated that the Department of Treasury and Office of the Attorney General for the state were the ones involved in the closing of the settlement.\nMurray actually accused the New York Times of showing bias by using a complex bankruptcy settlement to create a piece of political fiction. Murray stated the newspaper ignored the simple fact that Christie had no knowledge of the settlement nor was he involved in the matter.\nWhat Does This Mean for the Presidency and Online Gambling Industry?\nIndividuals in the United States are certainly divided when it comes to the 2016 presidential election of which Trump is a part of. While some are split between voting for Trump or Hilary Clinton, many do not want to choose between the two. Those who enjoy casino gambling want to see a presidential candidate decide on the issue of online gambling. Many wish to see a federal measure put in place that would allow for online gambling such as casino and poker gaming take place across the board.\nIn the state of New Jersey, online casino and poker gaming is prevalent. If Christie and Trump are such big buddies, will Trump make a move to see federal legislation put in place in regards to online gaming? Trump has not come out with a stance on the issue so many are wondering just where he stands.\nOverall, Trump is going to be scrutinized for being able to cut such a deal in regards to owing taxes within the state of New Jersey.", "label": "Yes"}
+{"text": "Prediction of fair isaac corporation\n- FICO | USA Stocks\n- Last update\n- Deep learning\n- Prediction rate\n- 40% from 5\nOur current prediction of fair isaac corporation (fico)\nFair isaac corporation is listed under symbol FICO.\nFICO is going down according our predicted trendThe stochastic gives the following signals: Stochastic K plus is going below the Stochastic D | 70. Close is below valley line | 40.\nShow Technical Analysis calculation Fair isaac corporation\nTechnical Analysis for FICOSignals\nOverview of transactions in control run\n|Date||Ratebuy||Ratesell||RiskInitial stoploss||ResultIncluding broker cost|", "label": "Yes"}
+{"text": "At their Annual General Meeting (AGM) in Basel today, the Straumann shareholders approved all the proposals put forward by the Board of Directors by a large majority. 374 shareholders attended the meeting. Together with proxies and online voters, they represented 74% of the total share capital.\nThe shareholders approved the following:\n- The Management Report, the Annual Financial Statements and the Consolidated Financial Statements for the 2018 business year.\n- The Compensation Report for the 2018 business year, in a consultative vote.\n- The appropriation of earnings and dividend payment for the 2018 business year: CHF 83 million for the dividend with a balance of approximately CHF 1 billion carried forward. The approved dividend corresponds to CHF 5.25 per share, an increase of CHF 0.50 on the previous year. The dividend will be paid as of 11 April; the ex-dividend date is 9 April.\n- The discharge of the Board of Directors for the 2018 business year.\n- The fixed compensation of the Board of Directors for the next term in a maximum amount of CHF 2.7 million. Approximately 40% of the compensation is paid in shares at market value; these shares are blocked for two years.\n- The compensation of the Executive Management, including a maximum total fixed compensation of CHF 7.3 million for the period from 1 April 2019 to 31 March 2020, a short-term variable compensation of CHF 6.1 million for the 2018 business year, and a maximum long-term, variable compensation of CHF 3.9 million for the 2019 business year.\n- The re-election of Gilbert Achermann as Member and Chairman of the Board, as well as Monique Bourquin, Dr Sebastian Burckhardt, Ulrich Looser, Dr Beat Lüthi, Dr h.c. Thomas Straumann and Regula Wallimann as Board Members – each for a term of one year. The election of Juan-José Gonzalez as an additional Board Member for a term of one year.\n- The re-election of Monique Bourquin, Ulrich Looser and Dr h.c. Thomas Straumann to the Human Resources & Compensation Committee for a term of one year.\n- The re-election of Neovius AG in Basel as the independent voting representative for a term of one year.\n- The re-election of Ernst & Young AG, Basel, as auditors for the 2019 business year.\nThe voting results are published on the Straumann Group's website.\nThe next ordinary general meeting of Straumann's shareholders will be convened on 7 April 2020 at the Basel Congress Center.\nAbout the Straumann Group\nThe Straumann Group (SIX: STMN) is a global leader in tooth replacement and orthodontic solutions that restore smiles and confidence. It unites global and international brands that stand for excellence, innovation and quality in replacement, corrective and digital dentistry, including Straumann, Neodent, Anthogyr, Medentika, ClearCorrect, Dental Wings, and other fully/partly owned companies and partners. In collaboration with leading clinics, institutes and universities, the Group researches, develops, manufactures and supplies dental implants, instruments, CADCAM prosthetics, biomaterials and digital solutions for use in tooth replacement and restoration or to prevent tooth loss.\nHeadquartered in Basel, Switzerland, the Group currently employs more than 6000 people worldwide and its products, solutions and services are available in more than 100 countries through a broad network of distribution subsidiaries and partners.", "label": "Yes"}
+{"text": "Are you happy about your contribution increase to TFSAs?\nIf you haven’t heard already, the new 2015 budget was released last Tuesday April 21st, 2015 and it has a HUGE contribution increase to TFSAs (or Tax Free Savings Accounts, for those not aware of them). We’re talking a 82% increase to our 2015 contribution room. This brings the 2015 contribution room to 10,000 dollars, which is effective immediately!\nWhat I like about TFSAs is that anything earned in them is able to be withdrawn completely tax free. The down side of this is that if you’re holding higher risk investments you do not get to claim capital losses on this. So just follow the 2 rules for investing from the most successful money manager ever, Mr. Warren Buffet’s and you’ll do fine:\n- Never lose money\n- Never forget Rule #1\nOk so we can’t all be Warren Buffet, after all someone has to lose in the market for the rest of us to gain. So let’s look on the conservative side. If you were 18 as of 2009 when the TFSAs were introduced, this means you have 41,000 dollars of contribution room. Max your contributions yearly for 30 years into something relatively safe like an index fund to match the market you’ll end up with $693,828.68 before retirement as you can see from the investment calculator output below.\nNow that’s an extremely conservative interest rate. The S&P 500, which is an index of the 500 largest companies listed on the NASDAQ or NYSE based on market capitalization. Basically it’s a share of each of the 500 largest public companies. It’s a pretty safe bet. As you can see from wikipedia’s chart of annual returns of the S&P 500, since 1970 the median of the 5 year annualized returns is 13.96%\nStatistics are a funny thing\nI’m no expert in statistics but I do enjoy how people manipulate statistics to serve their points. In this article (link) they state “Individuals with annual incomes of less than $80,000 accounted for more than 80 per cent of all TFSA holders…”. Which seems like the government is trying to play down the “only helping the rich” angle a lot of people try to play.\nAfter a quick check on some statscan information I noticed that only 14.27% of Canadians have an income greater than $75,000 annually. So really I might not be too far off assuming 80% of Canadians who drink water everyday have an income of $80,000 annually or less. All that fact is telling us is that the people starting TFSAs are proportionally equal to the average Canadian based on income.", "label": "Yes"}
+{"text": "You list Accountant places in La Jolla, California\n1227 Prospect St #200, La Jolla, CA 92307\nWe provide an unparalleled array of outsourced accounting services and software solutions to support companies and individuals achieve their business goals.\n3655 Nobel Dr # 560, San Diego, CA 92122\n7580 Fay Ave, Suite 204, La Jolla, California, 92037\n#1 CBD market of Reliable CBD Products - Buy CBD Oil - CBD Oil for Sale\n7825 Fay Ave, La Jolla, CA 92037\nDr Dion Gouws CPA – Audit Tax Assurance\n888 Prospect St #200, La Jolla, CA 92037\n1055 Torrey Pines Rd # 201, La Jolla, CA 92037\nFour by Four Construction is a full-service general contracting firm, hands-on expertise in commercial, retail & residential. Call us (858) 456-0610\n7814 Ivanhoe Ave, La Jolla, CA 92037\nLa Jolla, CA 92039\nIndevia Accounting |\n533 Coast Blvd S, La Jolla, CA 92037\nJC Resorts | Luxury Resorts, Dining, Spa, and Golf in San Diego, Laguna and Temecula\n565 Pearl St # 300, La Jolla, CA 92037\nLocal news coverage of La Jolla, CA (92037) since 1913. Featuring local news and events, business listings, discussions, announcements, photos and videos.\n7755 Fay Ave # D, La Jolla, CA 92037\n7162 Eads Ave, La Jolla, CA 92037\niDea a Bootstrap-based, Responsive HTML5 Template\n7660 Fay Ave, La Jolla, CA 92037\nO'Donnell & Smiley, located in La Jolla, CA, is a full-service, tax preparation, tax planning and Bookkeeping CPA firm focusing on small business and personal IRS taxation.\n7567 La Jolla Blvd, La Jolla, CA 92037\nCreative and inventive tax planning and preparation.\n1128 Wall St, La Jolla, CA 92037\nLa Jolla CPA Services Russell E. Ingledew. Tax planning and preparation for individuals, business entities, nonprofits, trusts, and estates. Certified Public Accountant. Financial advisor", "label": "Yes"}
+{"text": "After a string of leaks yesterday, Microsoft has confirmed that the Xbox Series S will be launching at $299.99. The Series S is set to be Microsoft’s lower-end next-generation hardware, reportedly coming in a much smaller box and lacking a disk-drive. That said, the system will supposedly be able to play all of the same games as its bulkier counterpart, the Xbox Series X. It will also likely severally undercut the price of Sony’s PS5, which has been predicted to be around the $499.99-$599.99 price point.\nWhile Microsoft has only confirmed the Series S’s price-point and design, this announcement partially corroborates previous leaks. The Verge reports that the Series S will have a weaker GPU than the Xbox Series X, making it unable to output games at 4k. Windows Central’s reporting indicates that both models will be launching on November 10th of this year. Additionally, they report that the Xbox Series X will be launching at $499.99 and will also be available through a financing option that charges $35 a month with Xbox Live and Gamepass included. The Xbox Series S will be available through a $25 a month version of the same plan. Xbox Live is Microsoft’s online service for multiplayer, and Gamepass offers access to hundreds of games, including first-party titles at release. Xbox Live is currently priced at $59.99 a year, and Gamepass is priced at $9.99 a month.\nIn recent years Microsoft has doubled down on its subscription service Gamepass. By guaranteeing that their blockbuster first-party titles will launch there, they have created a value proposition to many players already invested in the company’s output. They have also made an effort to scoop up a wide variety of third-party and smaller games, many of which launch on the service.\nThe news about the Series S seems to reiterate Microsoft’s interest in pushing a subscription model in the gaming space. The cheaper price point and option to finance the system through a service subscription seems squarely aimed at lowering the initial barriers to entry so that they can instead monetize their users over an extended period. This service model for entertainment has come to dominate the world of movies, television, and music through companies like Netflix and Spotify.\nWhile Gamepass’ 10 million subscribers are still a ways off from Netflix’s 183 million, if they continue to grab new users, their approach could have a systemic impact on the video game industry. Whether that change will come to pass, and whether or not it will be a “positive” one remains to be seen, but it will be one of many stories to follow during this upcoming hardware generation.", "label": "Yes"}
+{"text": "Personal Budget Worksheet for Daily Cash Flow Management\nOur free personal budget worksheet allows you to effectively manage your daily cash flow. This is one of several tools that are available as part of our free 10 Steps to Conquer Debt ebook.\nDownload Free: 10 Steps to Conquer Debt eBook\nAs you may know, cash flow statements are used regularly in business to better manage the flow of cash coming in from sales revenue, and cash going out for various expenditures.\nSo why don't we do the same\nthing when managing our personal finances?\nHow often have you been\nsurprised to learn that a bill is due before you get paid? This happens all the\ntime, even for people who live per a monthly budget.\nUnforeseen medical bills are a\nperfect example of unplanned bills. Other unexpected costs occur from a car\nbreaking down, weather damage to a home, a child accidentally throws a ball\ninto a neighbor’s window, the dog chews up your best friend’s shoe - the list\ngoes on and on.\n\"If I had to run a company on three measures, those measures would be customer satisfaction, employee satisfaction and cash flow.\"\n- Jack Welch\nTo manage all costs effectively, the timing of when you receive your paychecks must be accounted for and compared to the timing of when your various bills are due. Some creditors will work with you on the timing and others will not.\nUsing our daily cash flow tool,\nyou can more easily manage your cash flowing in and out of your bank account.\nIn case you are wondering…\nno, it's not good enough to only complete the personal financial statement. Remember, the personal financial statement is\nonly accurate on day you complete the form, but this cash flow tool accounts\nfor your money daily.\nFree Personal Budget Worksheet for Daily Cash Flow Management\nThe following template helps you to effectively manage your daily cash flow, which is a critical step in personal financial management. This free tool is available in our Leadership Tools library, which is accessible to subscribers of our free newsletter.\nDaily Cash Flow Management Determines Your Financial Success\nUsing this tool, you can manage\nyour cash flow with confidence, ensuring your bills are never late and that you’ll\nhave money available to provide for the basic needs of your household.\nUpon downloading the personal budget worksheet for managing your daily cash flow, use the information you've already collected if you've completed our personal financial statement tool and begin plotting the amount of income and expenditures for the upcoming\nBy writing down all your\nplanned revenue and expenses for the month, you will effectively spend it all\non paper first, before ever paying a single dollar out to anyone. This is\ncalled “planning for success\".\nIf you completed the personal\nfinancial statement in full, the due dates are already known. Simply copy and enter the date that each payment is to be made per your available\nIf you find yourself running\nout of cash, before all your bills are paid, identify creditors that will work\nwith you, get on the phone, and negotiate a later due date. Don’t be\nembarrassed to ask for assistance. Be honest and explain your situation. You\nmay be surprised at how many creditors are happy to work with you.\nis all part of being a responsible adult who is pro-actively managing cash flow. Use our personal budget worksheet and other free tools to get on this today!\n\"No one's ever achieved financial fitness with a January resolution that's abandoned by February.\"\n- Suze Orman\nAs you begin to direct your money with a clearer purpose - not just once a month, but every single day - you'll begin to feel greater confidence in leading your financial life. It’s important that you continue to calculate your cash flow regularly throughout the debt reduction process.\nA common benefit of daily cash flow management is that you’ll start spending less money overall. Why? Because now you’re tuned into the bigger financial picture; you’re no longer spending mindlessly.\nNow just because you have some extra money, don’t go spending it. The money saved should be placed in a savings account or applied toward paying down your debt even more rapidly.\n\"Just as a fisherman must watch the ebb and flow of the tides, an investor and businessperson must be keenly aware of the subtle shifts in cash flow.\"\n- Robert Kiyosaki\nOur daily cash flow template is\nthe perfect tool to ensure that you always have the money you need, when you\nOnce you have completed your\nstatement of cash flows for the month, use it in partnership with your primary\nchecking account register to manage your bank account.\nyou refer to these two tools daily, you will notice that they won’t always show\nthe same balance of funds.\nThe difference between the two\ntools is that your checkbook register will simply show you how much money is\ncurrently available to spend. Your cash flow tool, however, goes beyond the\nhere and now, and allows you to see into the future and account for upcoming\nit comes to money, success is in the details. Our daily personal budget worksheet tracks daily cash flow and assists\nyou in managing the details, allowing you to take complete ownership of your\nDownload 10 Steps to Conquer Debt eBook\nTo download our free 10 Steps to Conquer Debt eBook, simply subscribe to our free newsletter.\nYou will immediately receive a password that grants access to our entire leadership tools library, including our personal budget worksheet to manage your daily cash flow. Getting your arms wrapped around your monthly cash flow is simple and straightforward. Begin getting your financial life in order today.\nYour privacy is important to us. We never share or sell email addresses.\nMore 10 Steps to Conquer Debt Tools", "label": "Yes"}
+{"text": "Three months ago, the coronavirus disease 2019 (COVID-19) was hardly on the radar for most Americans. Today, it's completely upended the largest economy in the world, displacing more than 20 million workers and unceremoniously ending the longest economic expansion in U.S. history.\nWith no clear-cut end in sight to this pandemic, Congress passed and the president signed the Coronavirus Aid, Relief, and Economic Security (CARES) Act on March 27. At $2.2 trillion, the CARES Act is the biggest relief package ever signed into law on Capitol Hill.\nAmong the many purposes of the CARES Act, it directed $500 billion to distressed industries and nearly $350 billion to small business loans, gave $100 billion to hospitals, and set aside $260 billion to expand the unemployment benefits program (i.e., the extra $600 per week through the end of July 2020). But what folks can most relate to is the $300 billion apportioned for direct payouts to workers and seniors.\nOver 150 million Americans are eligible for an Economic Impact Payment\nAccording to Treasury Department estimates, more than 150 million people are expected to be eligible for an Economic Impact Payment, as these stimulus payouts are officially known. Eligibility is being determined by a combination of adjusted gross income (AGI) on a tax filer's most recent federal return, their tax filing status, and their citizenship.\nFor example, single, married filing jointly, and head-of-household tax filers can receive the maximum Economic Impact Payment if their AGIs are respectively below $75,000, $150,000, and $112,500. This would lead to $1,200 payments to individuals and $2,400 payouts to couples. Additionally, qualifying dependent children aged 16 and under can add $500 per child to the amount a parent or household receives.\nOn the other end of the spectrum, single, married, and head-of-household filers making more than $99,000, $198,000, and $136,500, respectively, in AGI aren't eligible for any payout. Folks whose AGIs fall in-between these upper and lower bounds can expect to receive a reduced payout to the tune of $5 removed for every $100 in AGI above the lower bound.\nOther disqualifying factors include being a dependent aged 17 and older, as well as being a non-citizen without a Social Security number and a legal pathway to citizenship.\nStill waiting on your stimulus check? Here's the likely holdup\nThus far, close to 130 million Economic Impact Payments have been disbursed, including 110 million direct deposits and roughly 20 million paper checks. However this still leaves more than 20 million eligible recipients wondering, \"Where's my stimulus money?\" If you're among them, one of the following five scenarios likely describes why you're still waiting.\n1. Your payout was sent to a temporary bank account set up by a tax-prep service\nIf I had to choose the likeliest reason why a majority of eligible recipients still don't have their money, it would be because they used a tax-preparation service in 2018 and/or 2019. If you've used a tax-prep service and been owed a refund from the federal government, these services often set up a temporary account where that refund will first land. This temporary account allows the tax-prep service to remove any fees and interest you might owe. It then forwards the remaining balance to your bank account.\nIn theory, these temporary accounts work very well... until there's stimulus money to hand out. Back in 2008, stimulus payouts for approximately 20 million Americans wound up in these temporary accounts, which eventually meant the federal government had to issue paper checks by snail mail to those impacted. While do-it-yourself tax-prep software has made life easier for taxpayers since 2008, I'd contend that there are still millions of Americans whose payouts likely are in a temporary account.\n2. You're receiving a paper check\nAnother reason for the delay is that you're receiving a paper check. The Internal Revenue Service (IRS) didn't even begin mailing out paper checks until recently, and the agency's check-printing capacity is constrained to about 5 million per week.\nFurthermore, the way the IRS plans to dole out paper checks is from the bottom up, at least in terms of income. This means those folks with AGIs of up to $10,000 will have their paper checks mailed first, followed by those with AGIs of up to $20,000, then $30,000, and so on. If you're a middle-income or upper-middle-income individual or couple who qualified for an Economic Impact Payment, you could be waiting until June or even later to receive your paper check.\nAlso note that it can take up to two weeks to receive your paper check once it's been issued.\n3. You filed a paper tax return\nA third possibility for the delay in receiving your stimulus money is due to having filed a paper tax return for the 2019 tax year.\nFor the 2018 tax year, around 89% of all taxpayers chose to electronically file their federal return. That's a lot. However, it still meant that more than 17 million taxpayers chose to print out their tax return and mail it in.\nNormally, this wouldn't be an issue. But because of the coronavirus pandemic, the IRS stopped processing paper returns in March. It's unclear when paper-return processing will be completely back to normal, which could delay your receipt of a stimulus check.\n4. The wrong bank account info is on file with the IRS\nA fourth reason you could be waiting on your Economic Impact Payment is due to the wrong bank account information being on file with the IRS.\nEven though a smaller percentage of Americans than ever are choosing to switch banks, we're still talking about millions of Americans making the move to a new bank or credit union each year. If you're one of those people who made the move to a new bank since last receiving a direct deposit federal tax refund, the attempt to pay you via direct deposit at your now-closed account would have bounced back as unsuccessful. In such a case, the IRS will be forced to issue a paper check, thereby delaying receipt of your payout for weeks or potentially months.\nAs one last note, the IRS deadline to update your bank account information online via the Get My Payment tool for direct deposit hit this past Wednesday, May 13, at noon EDT. This means if your bank account info is/was wrong, you're stuck waiting for a paper check.\n5. It's been seized by your bank or a collection agency\nFifth and finally, your stimulus money may have been gobbled up by your bank or a creditor the moment it hit your account.\nThe language of the CARES Act specifically disallows federal and state collection agencies from targeting Economic Impact Payments. This is why people who owe federal back taxes or are in arrears on student loan debt are still receiving their stimulus money.\nHowever, it doesn't provide those same parameters for private collection agencies, such as a bank, credit union, or collection agency. If, for instance, you have a negative account balance at your bank or you've fallen more than three months behind on a credit card bill or mortgage payment, your bank could seize your stimulus payout to offset your outstanding debts.\nFor what it's worth, the nation's four-largest financial institutions -- Bank of America, Wells Fargo, Citigroup, and JPMorgan Chase -- have pledged not to use your stimulus money to offset outstanding debts. Additionally, certain states have taken action to prevent the seizure of stimulus payouts by collection agencies. You'll need to check with the rules governing your state to see if your payout is protected from seizure.", "label": "Yes"}
+{"text": "The Latte Lie and Other Myths\nCheck out this video to begin separating fact from fiction.\nHave A Question About This Topic?\nFive overlooked tax deductions to help manage your tax bill.\nA letter of instruction provides additional and more personal information regarding your estate.\nEven low inflation rates can pose a threat to investment returns.", "label": "Yes"}
+{"text": "MOSCOW, July 23 (Reuters) - Restructuring the debt of struggling Russian miner Mechel through state development bank VEB is preferable to allowing the company to go bust, President Vladimir Putin’s top economic aide said on Wednesday.\nHit by weak prices for its products, Mechel is in critical need of financial support. It has already undergone several debt restructurings but the head of VEB said this month he recommended avoiding further bailout schemes as they would be loss-making.\n“Restructuring would be less painful than bankruptcy in terms of the interests of the country and the company itself,” the economic aide, Andrei Belousov, told journalists, warning of the risks to creditor banks if the company were to go bust.\nThe Russian government will come up with a plan to save Mechel within a week, he said.\nReporting by Darya Korsunskaya; Writing by Alessandra Prentice, Editing by Timothy Herttage", "label": "Yes"}
+{"text": "By Michael Waldman\nFriday, January 22, 2010\nThe Supreme Court on Thursday upended a century's worth of campaign finance law. An immediate question raised by the Citizens United v. Federal Election Commission decision is whether this will flood elections with suddenly legal corporate money. Less understood but deeply significant is what this shows about the court and its relationship to the Obama administration and Congress.", "label": "Yes"}
+{"text": "It has been a tough year for Iconix Brand Group.\nAfter several high-profile executive departures, an investigation by the Securities & Exchange Commission, slipping sales and news that the firm will restate official financial filings for most of the past three years, many investors and market watchers have walked away from the company.\nIn the past few weeks alone, Iconix has shed more than half its share price, valued at roughly $7 now, while analysts have dropped the firm from their coverage lists, citing — among other concerns — “insufficient visibility” into the company’s financials.\n“[We are] discontinuing coverage due to the meaningfully different environment, set of risks and significant management turnover compared with several months ago,” noted Robert Drbul, an analyst at Nomura Securities International Inc. “[And] we believe the likelihood of continued SEC investigations, legal risks and related fines remains high, and do not anticipate an unadulterated view into the company’s business model or historical financials in the near to medium term.”\nCiti Research analyst Kate McShane also dropped the company from her coverage area, while CL King & Associates analyst Steve Marotta downgraded the stock but continues to cover the company, albeit cautiously.\n“Clearly, they’ve got some issues,” Marotta said. “They’ve got some good brands and some not-so-good brands. They have to separate the good from the bad, and we’ll see how they shake out. Their business is under a tremendous amount of pressure, and given the leverage on the balance sheet, that’s really what’s causing the issues.”\nBut Iconix’s struggles may not be isolated. Now, experts warn that the brand’s challenges could have a chilling effect on other brand-management firms.\nCanaccord Genuity Inc. analyst Camilo Lyon warned that the perception of private equity brand managers could become tainted — with Sequential Brands Group, Lyon noted, as one example.\n“We believe the recent turmoil at Iconix Brand Group, coupled with cautionary comments by department stores, has weighed on Sequential — undeservedly so,” Lyon wrote on Friday. “While we fully understand why the negativity around Iconix has clouded the view on the sector, we believe there are distinct differences between Sequential and Iconix that necessitate noting.”\nLyon pointed out Sequential’s recent acquisitions of Martha Stewart Living Omnimedia and Joes brand as well as its “strong, sound financial partners” as key distinctions.\nMarotta suggested that the current cheapness of Iconix’s stock may present a rare buying opportunity. However, he admits near-term upside remains slim.\n“Given the free cash flow metrics, it’s a very cheap name,” Marotta said. “But with the topline under as much pressure as it has been and with earnings estimates continuously [faltering], I can’t be compelled to be very constructive on the name in the near term.”\nIconix’s brands and licenses include Candie’s, Peanuts, Badgley Mischka and Rocawear.", "label": "Yes"}
+{"text": "Financial advisors and planners, real estate and insurance brokers and attorneys in a variety of practices likely have clients who need estate planning services. The experienced estate and elder law attorneys at Timothy Rice Estate and Elder Law Firm work closely with our professional partners to ensure their clients’ needs are met.\nThere are many situations that may “trigger” a professional service provider to refer a client to an estate and elder law attorney. These include:\n- A family law attorney is helping a client with divorce and custody issues. Any change in life circumstances like this is cause for an update to an existing estate plan or should spark a reminder to create one.\n- A financial advisor learns that a client just had a baby. Ensuring the child’s future is protected with proper estate planning should be a financial priority for the family, and an opportunity for the financial advisor to refer the client to an estate planning attorney.\n- A catastrophic injury, whether it be the result of an auto accident or medical malpractice, could lead to both a sizeable financial award and special care considerations for the injured person. A personal injury attorney could help a client in this situation by referring the individual to a trust and estate law attorney for assistance with special needs trusts and guardianship or conservatorship issues.\n- A newly married couple is looking to buy their first home. A mortgage broker, real estate broker or financial advisor could help the couple by referring them to a trusts and estate law attorney to create or update their Wills, powers of attorney, trusts and other important estate planning documents.\n- A soon-to-be or recent retiree reaches out to a financial advisor for advice on retirement savings. The financial advisor should ask the client if their estate plan reflects this change in circumstances and refer the individual to a trusts and estate law attorney for further assistance.\n- As people age, Medicaid planning becomes very important. Insurance brokers and financial advisors, as well as a variety of attorneys, can provide a great service to clients by referring them to elder law attorneys to ensure the client’s long-term health care is secure.\nAny change of circumstances, from buying or selling property or a business to winning the lottery, impacts estate planning.\nBy noticing these “triggers,” bringing them to the client’s attention and providing a referral to a trusted estate planning attorney, professional service providers demonstrate to their clients they care about their financial and physical well-being.\nTREEL attorneys have a reputation for working closely with clients to protect their best interests by creating holistic and sound estate plans. When conflicts arise over issues like Wills or guardianships, TREEL attorneys zealously advocate for their clients in court. We treat clients with respect, empathy and compassion as we help them navigate sensitive and difficult issues regarding long-term health care, financial decisions and end-of-life wishes. For more than 20 years, TREEL has served clients ages 18 to 108, as a committed member of the community.\nBy referring clients to TREEL, professional service providers show their clients they care about them. We hope that we can be partners in providing members of our community the peace of mind that comes from working with reliable, knowledgeable professionals just like you!\nWe invite you to learn more about TREEL by visiting our website or reaching out at (833) 388-0462. Please feel free to refer your clients to us and know they will receive the same high-quality service your clients have learned to expect from working with you.", "label": "Yes"}
+{"text": "Common Date Gold Coins vs Rare Coins\nWhat’s the Difference?\nAt times, Austin Rare Coins & Bullion will recommend clients purchase Pre-1933 common date gold coins when we feel certain issues are temporarily undervalued in the marketplace. But, what exactly is a common date gold coin, and what is the difference between that and a rare coin? In the rare coin market, there are scarce coins and there are fundamentally rare coins.\nWhat is a Rare Coin?\nAn example of a fundamentally rare coin is an 1859 New Orleans $10 Liberty Head. Only 2,300 were struck and fewer than 60 are known to exist in all grades that have been certified by PCGS and NGC over the past 25 years. Today, the finest known in the series would sell in excess of $70,000. (But you could never get the present owner to sell – we know. We sold him the coin.)\nYes, this is an extremely rare coin and perhaps a price tag that scares away some people. Coin dealers refer to this as a Classic Rarity – a coin that is fundamentally rare in all regards.\nWhat is a Common Date Gold Coin?\nCommon date gold coins are less rare and very affordable. Common date pre-1933 U.S. coins are more available within a series and have a higher surviving number. They can be quite affordable, even those preserved in brilliant uncirculated, mint state grades. An example is the 1932 $10 Indian with a mintage of just over four million coins. The majority of these don’t exist today, but there are around 90,000 that have been certified in MS-63. This allows these half ounce coins to have the perfect balance of scarcity, affordability, and quality. With price ranges typically between $600 up to $2,500 per coin, this market offers an excellent bridge between gold bullion and truly rare coins.\nIf you believe that current prices offer a fantastic opportunity to start or add to your positions, then you should consider this area of the market. Certified Pre-1933 U.S. gold offers rarity, a high gold content, and appears to be oversold at today’s levels when compared to prices over the past several years.\nWhile we don’t advise focusing solely on common-date material, the fact is they often add leverage in a rising gold market and the possibility to gain even when gold is falling. This is an important point to understand when building a balanced and diversified metals portfolio. The key is working with a knowledgeable firm who understands and realizes the best opportunities, and when to take advantage of them.\nWith a universal process and standards in place, these coins are extremely liquid and heavily traded each day across the industry. This system has created a healthy exchange market that is liquid, transparent, and reliable. We’re constantly evaluating this area and our top recommendations are based on the most attractive values and long-term potential.\nTo summarize, here are the main reasons you should consider common-date gold:\n- Diversification: A critical strategy for most investors, it makes good sense to spread your exposure across market segments to reduce risks and increase the strength of your portfolio as well as potential for profits.\n- Fixed and Limited Supply: Because no more will be produced, they can rise in value quickly when demand overwhelms supply.\n- Twice the Demand: Pre-1933 U.S. gold coins are in demand by both collectors and investors with new buyers from both categories consistently entering the market.\n- A Younger Bull Market: As in the past, the modern bullion market is leading all metals segments in this long-term bull trend with many successful years ahead. Common-date gold is riding the same wave, but we’re convinced it’s at a younger stage in the cycle behind bullion. The way we see it, this segment offers a way to “buy gold at yesterday’s prices” and profit as the gap closes in the future.\n- Solid Value at Current Levels: No one is certain what the future holds, but, as with stocks, a critical strategy in acquiring common-date gold is value. We only recommend coins that we’re convinced offer not only excellent long-term upside potential to their previous all-time highs, but also look undervalued in today’s changing marketplace.\nSafety from Confiscation\nIt’s impossible to say how likely such action is or exactly how it would be executed. However, we believe that Pre-1933 U.S. gold coins have the best chance of being exempt from confiscation due to their track record and the fact that they’re valued above their gold content. Therefore, Pre-1933 U.S. gold adds a greater insurance policy to your bullion as well as better upside potential.", "label": "Yes"}
+{"text": "The South-American country has made the headlines numerous times in the last years for many good reasons when it comes to claiming its stake in the global race towards a low-carbon economy. Since 2010, when the first Spanish solar companies arrived in Santiago, the country has increased its support for renewable energies by launching well-run tenders without compromising the public finances. Likewise, the local banking sector has also shouldered the development of the sector by providing financing not just to projects supported by PPAs but also and even most importantly to merchant projects.\nIn 2018, Chile already counts with a market with 4GW of operational solar PV projects and a pipeline of more than 10GW to be built in the next years to come. Approximately 10% of these projects belong to PMGD projects. This type of project, which is limited to projects below 9MW, has several characteristics such as faster permitting, better connection possibilities and other financial traits like being able to sell the electricity under the so-called stabilized price mechanism. This mechanism, which has been shortly described as a hybrid between the spot market and a PPA has spurred significant debt and equity financing in the market. One company that stands out in this sub-sector is the Spanish EPC company GRENERGY with a portfolio of PMGD projects of more than 200MW, of which more than half has been already financed and built.\nWhat investors in Chile appreciate is not only the long legacy of rule of law but also the dollarization of the energy market and the availability of competitive long-term financing. The market is now a second phase where many opportunities abound for an institutional investor. Two different investing strategies seem to exist in the Chile solar PV market:\n- Building a PMGD portfolio of assets: the avid investor can build a portfolio of PMGD assets, lock-in the stabilized price mechanism to enjoy long term semi-contracted revenues and extract value by financing on a portfolio basis.\n- Acquiring majority or minority stakes in utility scale solar projects with or without a PPA.\n- A balanced combination of both\nIn the long term, Chile will continue to consolidate as a strong market for institutional and infra investors. Time runs in the favour of Chile now as solar capex prices have come down a notch while the country continues to offer excellent solar irradiation conditions\nJosé Gaspar, Solar Portfolios\nSolar entrepreneur with financing, strategy and business development skills and 12 years international experience in Renewables investment and financing with positions in Banking (BBVA Greater China), Solar IPP (Solarig) and Advisory (Voltiq). Solid transactional experience gained through more than 30 international debt/equity transactions\nFounder of Solar Portfolios in 2015, Jose Gaspar leads the company along Sergio Vera and works on the vision of making the global solar market more transparent and accesible to all types of investors. Solar Portfolios is a deal-centric specialized advisor of solar M&A and financing transactions on a global scale.\ngreenmatch is the leading web-based investment application for renewable energies. The highly flexible application models the complete financial project lifecycle of your wind, photovoltaic, hydro and biomass projects and optimizes your workflow. Its collaborative and integrative approach allows projects to be analyzed and executed more efficiently, comprehensibly and reliably. Our solutions empower project developers, investors and banks in making reliable decisions and in increasing the success of their transactions. greenmatch is an innovative model to limited traditional spreadsheet applications.", "label": "Yes"}
+{"text": "“The Internet is becoming the town square for the global village of tomorrow. “\n“Your most unhappy customers are your greatest source of learning. “\n“Each person is the Chief Financial Officer of his own portfolio for wealth. Take control of family financial activity. If that sounds daunting, it isn’t. Signing checks, worrying over cash flow, and making financial plans; you are doing it anyway, learn what you need to know. What does the CFO do? Reports accurate information. Controls expenditures and earnings. Most importantly, has an economic strategy.\nSo who is the boss?\nBe the captain of your ship. Go where you want to go and have great wealth.”\n~ from www.traderdoc.com\n“Taking advantage of potential major winning trades is not only important to the mental health of the trader but is also critical to winning. Letting winners ride is every bit as important as cutting losses short. If you don’t stay with your winners, you are not going to be able to pay for the losers. In addition to not overtrading, it is important to commit to an exit point on every trade. Protective stops are very important because they force this commitment on the trader. “\n~Michael Marcus, who turned $30,000 into $80 million in 20 years\n“My ability to do what is uncomfortable enhances the profitability as I have a willingness to buy a stock on extreme strength following a significantly bullish news item. In such situations, most investors will wait for a reaction that never comes, or at the very least will place a price limit on that buy order. I also realize that if the news is sufficiently significant, the only way to buy the stock is to buy the stock. Any more cautious approach is likely to result in missing the move. In a similar fashion, one should also be ready to immediately liquidate a holding, even on a sharp one-day decline, if a negative news item has changed the outlook for the stock. The rule is : Do what is right, not what is comfortable. “\n– RICHARD DRIEHAUS\n“A room full of contrarian thinkers is a crowd.”\nNever use contrarian thinking as an excuse to trade against price and trend. A true contrarian thinks independently of the crowd, not simply contrary to it. Focus on what you see in price and trend, and ignore trying to outsmart the market. Trade with the crowd of technical signals in the chart—they have gathered in your trading room for a reason.\n“Put the trade on right; then you relax, and let the trade work.”\n“In trading, you win by not losing.”\nIf you can’t manage your risk, it doesn’t matter how much you know about trading. Most people underestimate the emotional pain associated with big losses, and few beginners are prepared for the stress of making decisions with money on the line. Understanding how to mange risk, use leverage, and manage trades is essential to successful trading.\n– Dr. Charles Schaap, traderdoc.com\n“You can’t predict when it will happen, and you can’t trade it after it has happened; so you must recognize when it happens.”\n“It’s better to prepare than predict.”", "label": "Yes"}
+{"text": "Coming from a premier engineering institute, it becomes a tad bit tougher to enter the world of finance. Apart from the routine of explaining to people why I chose finance, the lack of an equally interested peer group also acts as a roadblock. I started developing my interest in finance in my 2nd year and I applied for a second major (in finance). Many fail to understand the point that textbooks just provide you a platform with raw concepts. Unless one learns to apply those in real life scenarios, they are quite meaningless.\nMy first professional experience was during my internship with IB division at J.P. Morgan Mumbai. I learned that understanding the financial statements and the logic behind every multiple used in performing any analysis is crucial. Post my internship at JP Morgan, I completed my Master’s thesis at the most prestigious B-school in India: IIM Ahmedabad. The thesis was aimed at analyzing a recent failed M&A deal in the global tire industry. While working on the thesis I had the opportunity to work on various aspects of M&A including the free cash flow based valuations. It as well involved analyzing the qualitative aspects like the legal and operational issues the parties faced in the failed deal. Gaining exposure to these was a different experience altogether.\nIt was during my thesis that I came across Project Firefly and the Emerging Leaders Competition. I was quite fascinated by the opportunity. The whole prospect of conveying your thoughts in form of an essay, getting judged by well-known professors was quite stimulating and guess what: there were few prizes too! I wrote my essay on the efficient markets hypothesis; it was well received and I was soon asked to be an Ambassador at Project Firefly. This was a defining moment for me. Next, I participated in the Holt Valuation Challenge and quite successfully learned an advanced valuation technique and gained access to the HOLT Lens™. I didn’t participate in 2nd round due to personal reasons but as I try to remember I was among the top 150 people after round 1. This was quite an achievement on its own for me. I have since then used HOLT Lens™ quite a lot in gaining an understanding of stocks that interest me. I usually compare my analysis to the market movements which helps me in acquiring a mature approach to analysis the next time.\nIt has been 7 months since I joined as an Analyst at BCC (an offshore unit of Bain & Company) in New Delhi. I have mainly worked on corporate finance cases to analyze the Shareholder returns for a company and its industry peers. All the practical experiences have helped me nurture a lot of skills that in turn have helped me insanely at my job. To all the peers/students who are looking to breakthrough in the financial world, I would advise to not only stick to their curriculum and textbooks. Go make an extra effort, learn how to apply the concepts you read. That is how you learn, how you succeed. It just takes an ‘extra’ effort to make an ordinary career into extra-ordinary. Project Firefly did the same for me and I am really grateful for the part they played in my career so far.", "label": "Yes"}
+{"text": "If you need Bookkeeper service in Orrong, we can help you. Call us today for more information. Email: email@example.com | Call mobile : 0433 948 889\nAs part of our accounting services, Melbourne signed up organisations and individuals needed to lodge tax returns, are recommended that they are needed to maintain accurate set of business records relating different taxes such as revenue tax, GST, repayments of employee wages, superannuation, PAYG, edge benefits additional benefit taxes and different governmental conformity demands.\nOur accountancy and accounting services Melbourne based bookkeepers will certainly help you choose in between the cash or amassing or the combination of both cash-accrual based of accountancy depending upon the nature and dimension of the business. A cash based of accountancy records purchases at the time of the cash was received or paid despite when the purchases have happened. This type of accountancy is suited to tiny organisations or local business but vulnerable to much more errors\nAn amassing based of accountancy system records purchases at the time they occur regardless when the payment or invoice of cash took place. While this type of accountancy is extensively utilized in many type of organisations, this has a tendency has the tendency to be much more complex but much less vulnerable to errors.BaB will certainly help and assist organisations in the layout, construction and develop controls of the accounting system.\nIt supplies info to the stakeholders in the production of monetary statement as a outcome of business activities, consisting of reports and info. It aids you to look after exactly how [the business do throughout a provided time and offer you monetary info as at a provided time of the year.\nMore importantly, please have a look at the other services we offer. Just click on the link respective of what you’re interested with", "label": "Yes"}
+{"text": "Low Credit Score Loans\n\"Meet Your Bad Credit Hurdles Easily & Timely! Get Low Credit Score Loans with Cash Up to $3000!\"\nBad credit is in fact a big problem and bad credit folks fear to take an external financial help due to numerous refusals. Such people feel themselves as incapable of repaying the loan amount. But no more disapproval as Paydayloansz.net presents Low Credit Score Loans online. We have a wide range of bad credit loans and give you complete freedom to select any of the plans according to your financial requirements.\nSee Your Benefits with Low Credit Score Loans Available at Paydayloansz.net:\nAccommodating for Bad Creditors: Low Credit Score Loans are helpful to those who are in a severe need of funds for their every day requirements. People who are intent under overdue debts, arrears, defaults can get bad credit loans online without any difficulty. At paydayloansz.net, we offer you funds to perk up the strength of your fiscal standing and give you an economic freedom.\nGood Amount of Cash: Here, we give you free to choose any amount that ranges from $100 to $3000. The easy cash afford you funds for all the personal needs like payment of bills, renovation of car or home, wedding expenses, educational purpose and consolidating debts among others.\nAvailable in Secured and Unsecured Modes: Low Credit Score Loans have two more types, secured and unsecured Low Credit Score Loans people. Secured loans require some asset as collateral which reduces the interest rates. Unsecured loans are the instant available fbad inancial help for the bad credit people as the amount gets transferred to your account in a very short span of time.\nUse Convenient Online Services: Details related to different financial help are available at our website. Online application is the best mode of dealing out Low Credit Score Loans. As soon as your details are accessed you become eligible instant cash approval.\nApply Now Online for Low Credit Score Loans! It's Time to Regain Your Ruin Financial Life!Apply Now", "label": "Yes"}
+{"text": "Sell Mazda CX-5\nAlthough the Mazda CX-5 vehicle is relatively new to the car market, you may be ready to sell yours for cash and move on to something else.\nIf you’re wondering how much money you can get if you sell your Mazda CX-5, especially if you are interested in a stress-free process, you’ve come to the right place. Consider selling your CX-5 to a respectable company like Cash Auto Salvage.\nCompanies like Cash Auto Salvage offer free towing and on-the-spot payment. In addition, your cash offer is based on the vehicle’s value. The better the condition of the Mazda, the more you’ll make.\nWhen an offer is prepared for your vehicle, a few major factors are considered:\n- The interior and exterior condition of the car\n- The mileage\n- The model and year of the CX-5\n- The market price of scrap metal (if the vehicle is considered “junk” condition)\n- Whether the title is clean\nIntroduced for the 2013 model year, the CX-5 is now in its second generation of production. Introduced as a compact crossover SUV, the CX-5 is the first vehicle to use Mazda’s new Skyactiv Technology suite, which features an efficient engine and transmission for reduced emissions and fuel consumption.\nEven if you haven’t had your CX-5 long and you’re worried because it’s not in the best condition, don’t be. At Cash Auto Salvage, we are interested in your vehicle no matter the condition. Whether it’s gently used, has more damage than you’d like to repair, or no longer running, we are interested in preparing a non-obligation quote for you to consider.\nBefore you take it to a Mazda dealer for a trade appraisal or post it on Craigslist to try and sell yourself, take 90 seconds and get an instant offer from us!\nCall 855-922-3095 or request a quote online to sell your Mazda CX-5.\nNo, every vehicle that we buy we pick up for free!\nWe pay our customers with cold hard cash, on the spot when we pick up the vehicle. We can also make arrangements to pay you with a money order or check.\nThe value of each car is based on the year, make, and model. The more information you give us such as mileage and if there is any damage to the vehicle help us come up the highest most accurate price possible.\nIn most cases, yes! Cash Auto Salvage is a nationwide car buyer that offers vehicle buying and towing services 7 days per week in some areas. Call us at 855-922-3095 to get a free offer and to find out if our location near you is open on Sunday.", "label": "Yes"}
+{"text": "Kyber Network and BitTorrent have announced the integration of KyberSwap with BitTorrent Chain (BTTC) as their 11th chain integration, with more than $1.5M in liquidity mining and trading incentives available to users immediately.\nThe partnership will accelerate DeFi’s adoption with the combined benefits of best trading and earning rates, ease of use, security, and multi-chain capabilities.\nMaking Liquidity Mining Attractive\nKyberSwap is the leading multi-chain DEX and is the best place to trade and earn the most excellent rates in DeFi. As of March 2022, KeyberSwap was the #7 DEX in terms of TVL growth and facilitated over US$8B of the trading volume. BitTorrent is an EVM cross-chain designed protocol that adopts the PoS (Proof-of-Stake) mechanism and leverages sidechains to scale smart contracts. For the next 4 months, from 21st April, users of KyberSwap and BTTC can participate in more than US$1.5M of liquidity mining incentives.\nWill KyberSwap become the de-facto DEX with the most liquidity and swaps on BTTC and cross-chain bridging with Ethereum, BNB chain and Tron network? The partnership certainly hopes so.\nWhy add liquidity on KyberSwap? KeyberSwap allows liquidity providers (LPs) to maximize returns with the best trading rates, attractive incentives and yields.\nAmplified Liquidity Pools have extremely high capital efficiency; fewer tokens are required to achieve better liquidity and rates than AMMs.\nDynamic Fees that react to market conditions and optimize returns for LPs.\nBetter Reliability & Security: Audited by ChainSecurity and insured up to $20M by Unslashed Finance.\nFully Permissionless: Anyone can easily add liquidity for any token pair to KyberSwap pools, while any taker (e.g. Dapp, aggregator, or end-user) can access this liquidity.\nNo Centralized Oracle: No third-party or centralized price feed oracle risks. Oracles refer to a middle software that shares info between non-blockchain sources and blockchain sources (central software that connects blockchain to the outside world)\nWith KyberSwap, BTTC users can trade and earn with the best rates and access the full spectrum of multi-chain DeFi capabilities. With monthly trading competitions, community giveaways, and an exclusive airdrop for all users who participate on-chain, KyberSwap is making it more attractive to add liquidity and maximize returns using its platform; and that’s not all! Even more integrations, features, and rewards will be coming up soon!\nKyberSwap is excited about this partnership. The team is holding a sure-win trading contest with a $30,000 KNC reward pool to kick things off! Winning is straightforward; just follow the steps:\nStep 1: Visit kyberswap.com\nStep 2: Ensure you are on the BitTorrent Chain and have some BTT tokens in your wallet for gas fees.\nStep 3: Perform ANY token swap. The minimum trade volume is $100.\nAll trades must be carried out on kyberswap.com. From 21st to 30th April, simply perform any token swap on BTTC to get your share of the rewards pool.\nFor The Love of BTTC & KyberSwap\nThe partnership between BTTC and KyberSwap brings attractive incentive campaigns for all users who love the two platforms. BitTorrent will be enhancing liquidity on KyberSwap with a $1.5 million liquidity mining campaign. Over the next four months, starting from April 21st SGT, liquidity providers can add any liquidity to the 13 eligible pools on KyberSwap on BTTC; to unlock their share of $1.5M in BTT and KNC rewards.\nBTTC farms on KyberSwap will be allocated over $1.5M in BTT and KNC rewards over four4 months. The following farms listed below will go live on Thursday, April 21st, 2022, at 20:00 GMT+8, and other farms to be announced.\nSaving the best for last and putting the cherry on top of this fantastic partnership, in their upcoming Gleam Campaign, there’s also $200 KNC to give away to five lucky winners! You have to follow some simple tasks, and five lucky winners will be selected at random to win $200 each in KNC!\nFull details will be announced later, so stay tuned to the announcements to avoid missing out!\nHow to Start Liquidity Mining With BTTC\nIn order to start farming $BTT and $KNC all you have to do is:\nStep 1: Visit kyberswap.com\nStep 2: Make sure you are on the BTTC network and have some BTT tokens for gas transaction fees.\nStep 3: Visit the Pools page and add liquidity into the eligible pools. Eligible Rainmaker pools are identifiable by a raindrop 💧 icon. You will receive Liquidity Provider (LP) tokens representing your pool share after you add liquidity.\nStep 4: Go to the Farm page and click Approve on the farm you wish to add liquidity to. Once approved, stake your LP tokens on the farm and you will start receiving BTT and/or KNC rewards, which can be harvested anytime. There is no vesting period!\nMake sure to check out the Kyber Network’s Medium post on the matter for the full details and explanations.\nThis is a sponsored post. Learn how to reach our audience here. Read disclaimer below.", "label": "Yes"}
+{"text": "Iron ore prices fell on Tuesday after a state-backed bourse in China said it would limit trading volumes of futures contracts for the key steelmaking ingredient.\nAccording to Fastmarkets, benchmark 62% Fe fines imported into Northern China fell 0.69%, to $126.01 per ton.\nThe most-traded January iron ore contract on China’s Dalian Commodity Exchange (DCE) ended daytime trading 0.48% lower at 923.5 yuan ($126.81) a metric ton.\nThe DCE said late on Monday that trading volumes of opening both long and short positions on iron ore futures from January to May 2024 among any non-futures company member shall not exceed 1,000 lots on any single day, effective Wednesday.\nTrading volume on the other futures contracts shall not exceed 2,000 lots for a single day, it added, while trading volume for hedging and market-making of opening positions shall be exempted.\nThe DCE also announced it will raise trading fee rates of iron ore futures contracts from January to May 2024 from daytime trading on Thursday.\n“The move is to curb the excessive speculative activities and we expect iron ore prices to move within a limited range in the short term,” said Cheng Peng, a Beijing-based analyst at Sinosteel Futures.\nAlso weighing on sentiment was news of unseasonably cold weather and blizzards hitting northeast China on Monday, raising concerns that more regions will be hit by the cold wave, affecting construction activities.\n($1 = 7.2824 Chinese yuan)\n(With files from Reuters)", "label": "Yes"}
+{"text": "The following text is a full version of press release:\nPrague, London, October 22, 2008 – N.V. (‘Zentiva’ or the ‘Company’), a leading CEE pharmaceutical company that develops, manufactures and markets modern branded generic pharmaceutical products announces that it expects to report net sales for the first nine months of 2008 of around CZK 13 billion, representing an 18% increase over the same period in 2007. During the first nine months of 2008, Zentiva’s sales have been negatively impacted by the strength of the Czech Koruna, the Company’s reporting currency. At constant exchange rates, net sales in the first nine months of 2008 would have increased by 28% versus the corresponding period in 2007. This increase in sales in 2008 has been driven by the Company’s new Turkish acquisition which has provided a platform for growth and has given a much more balanced market presence.\nJiri Michal, Chairman and CEO commenting today said:\n“Zentiva’s sales performance during the first nine months of 2008 demonstrates the inherent strength of our much more broadly based business. This is particularly true given the impact of the stronger Czech Koruna during the period. We are continuing to make good progress in Turkey, our Romanian business is now in much better shape and in Russia our sales are continuing to grow at an attractive pace. These developments are allowing us to overcome the anticipated sales decline that we are seeing in the Czech Republic. Our higher sales have also allowed us to deliver an improved operating performance as a result of the integration benefits that we are generating in our Turkish business and our on-going focus on efficiencies across all of the activities of the Group.”\nIn the nine months of 2008, saw the following net sales trends:\n?? In Turkey, achieved net pharmaceutical sales of approximately CZK 2.3 billion, impacted to a large degree by the CZK/TRY exchange rate. In the 3rd Quarter net sales have increased by approximately 22% in local currency terms\n?? In Romania, the Company’s net pharmaceutical sales declined by around 19% yoy, to a large extent due to the strength of CZK. In local currency terms sales in Romania increased by approximately 2% in the first nine months of 2008. In the 3rd Quarter of 2008, sales in Romania more than doubled in local currency terms. This reflects the benefits of the actions that have been taken in the last fifteen months to create a more solid business platform in this important market and the low level of sales in the 3rd Quarter 2007.\n?? In the Czech Republic, the Company’s net pharmaceutical sales were down 11% yoy as anticipated. This sales decline reflects the impact of the introduction of mandatory fees for doctor visits and prescriptions from the beginning of the year.\n?? Zentiva’s other markets and other non-pharmaceutical businesses have made an important contribution, with net sales up 16% yoy (almost 27% at constant exchange rate) driven by strong performances in Russia, Ukraine, the Other CIS countries, and Bulgaria, as well as the consolidation of our non-pharmaceutical businesses in Turkey.\nwill provide further details on its performance for the nine month period ending September 30, 2008, on November 10, 2008 at noon CET, when the Company’s Nine Month 2008 Report is released.", "label": "Yes"}
+{"text": "The stakes were high as bidders from around the globe took part in one of the most anticipated auctions of the season at Christie's this past weekend, where buyers had the chance to bid on some rare and important jewels, as well as some items that belonged to Lucille Ball.\nTwelve items from the estate of Lucille Ball were auctioned off, including five pendant necklaces, two watches, two rings, a retro diamond and gold evening bag and matching cigarette case, selling for a combined total of $331,000. Part of the proceeds went to the Lucille Ball-Desi Arnaz Center, in Jamestown, NY.\nThe most anticipated sale of the day was an extremely rare blue diamond ring, a 5.07-carat rectangular cut \"fancy\" stone within a pave-set pink diamond, which sold for the highest price of the day to an anonymous buyer over the phone. The blue diamond was simply described as having been the \"property of a gentleman\". It was the last sale of the day.\nThe total in sales for the day was $38,878,650, the highest selling item going for $2,885,800 and the lowest selling item, a colored diamond ring, going for $1,375.", "label": "Yes"}
+{"text": "? Cool title, but what’s the news?\nOn November 7th, The Ministry of Finance approved (finally) a proposal for a hike in the pay of the employees of the Film and Television Institute of India (FTII). Once the pay commission comes to effect, the FTII would end up spending about 20.4 crore/annum on salaries of FTII employees.\n? Okay, but what does it mean?\nWhen in Jan 2017 the FTII implemented a pay scale revision, they did it without proper concurrence from the Ministry of Finance. And then they withdrew it only two months later. The FTII had to recover the extra salary paid to its 166 employees for the months of April and May.\nThis approval now comes as a good news to everyone working permanently with the FTII. Because the employees had blamed the ‘goof up’ in pay scale revision to have had caused them inconvenience and a loss of funds.\n? I get it, but why should I care?\nFor you personally: Balance has been restored in the universe.\nIdeally, you should just be happy reading this happy news, the balance has been restored in the universe and everyone (meaning government employees) can now enjoy the benefits of the 7th Central Pay Commission .\nFor increasing your knowledge: Here are the numbers.\nSeveral reports in the past have indicated that the FTII spends about 19 crores/annum in salaries. This amount will now be increased to about 20.4 crores. The MoF directs that the autonomous bodies are to bear the additional burden of the salaries. Hence the FTII would require about 1.5 crores more to do so. Fortunately, the FTII had written to the Information & Broadcasting Ministry and was prepared to bear about 30% of this additional cost (about 45 lakhs), and hence the proposal to bring into effect the pay commission should be approved.\nOur app is amazing. You HAVE to check it out, use this link!\nAlso, what are you going to do now that you’re slightly more aware of the world’s finance news? Well, you’ve got to subscribe to our email so you keep getting smarter!\nSushil Sonawane Asked us:\nI am a little worried whether all the documents I submitted using the Sqrrl App for my KYC verification will be safe.\nSo we told him:\nYou don’t need to worry because the only use of the documents you submit to us is for verifying your identity. They’re directly submitted to the Central KYC system for verification. We store the documents you submit on a secure and encrypted server. They can not be accessed by anyone, and cannot be used for any purpose but your KYC verification.", "label": "Yes"}
+{"text": "Uk Georgia Trade Agreement\nThe agreement introduces a preferential trading system – the Deep and Comprehensive Free Trade Area (ACFTA). This regime improves market access between the EU and Georgia on the basis of better coordination of the rules. The CCFTA has been applied on an interim basis since September 1, 2014. On 21 October 2019, British Foreign Minister Dominic Raab and Georgian Foreign Minister David Zalkaliani signed a strategic partnership and cooperation agreement to strengthen relations between countries following the UK`s withdrawal from the European Union. The agreement – officially known as the UK-Georgia Strategic Partnership and Cooperation Agreement – is the first continuity agreement between the UK and an Eastern European country. The agreement obliges us to continue our cooperation in areas such as financial services, education, transport, industry and environmental protection. It also welcomes Georgia`s strong commitment to an ambitious programme of reforms in key areas such as governance, economic reforms, trade and security policy. The agreement is expected to enter into force on 1 January 2021 (or as soon as possible). Foreign Minister Dominic Raab and Georgian Foreign Minister David Zalkaliani sign the agreement on trade continuity and strategic cooperation. The UK is one of the top ten investors in Georgia, while two of the country`s largest banks – TBC Bank and Bank of Georgia – are included in the FTSE 250 stock index.\nStatistically, trade between the UK and Georgia was $95 million in 2018. The agreement was therefore a necessary step to ensure minimal disruption for businesses and consumers in both countries, when the EU and Georgia agreement will no longer apply to the UK, either after an implementation phase or after a Brexit without a deal. The agreement will ensure that UK businesses and consumers continue to trade preferably with Georgia after leaving the EU. After leaving the European Union, the UK plans to negotiate trade agreements to replace and complement members of the EU Customs Union. Since October 2020[update], the UK has concluded a new trade agreement (with Japan) for the continuation of 20 existing agreements (EU) and new negotiations are under way. The British government calls itself a proponent of free trade.   The European Union Free Trade Agreement contributes to EU growth: in 2018, the EU was the world`s second-largest exporter (15.5%) before the United States (10.6%) China (15.8%).  The latest information is available at: EU trade agreement with Georgia The UK government has powers over international trade and trade agreements as well as the right and power to pass legislation on all matters under parliamentary sovereignty, but it will normally seek approval from the Devolved Parliament (s) when areas conflict with decentralized jurisdictional issues in the agreement regardless of their capacity to legislate, the Foreign Secretary today signed an agreement between the UK and Georgia to ensure that our trade and political relations remain strong even after we leave the EU. Once the agreement comes into effect, you can obtain certificates of origin after the fact from your usual supplier.\nIf you have questions about trade from January 1, 2021, contact the Department of International Trade (DIT).", "label": "Yes"}
+{"text": "For the third straight day, all main cryptocurrencies, together with Bitcoin, Ethereum, and Solana, prolonged their positive factors because the state of affairs lastly picked up tempo.\nThough it has maintained barely above $21,000 over the earlier 24 hours, bitcoin has been fairly secure and calm.\nThe king coin has been overshadowed by altcoins, with ETH, SHIB, AVAX, and SOL all posting important day by day will increase.\nFollowing the Fed Chair’s most up-to-date announcement concerning mountain climbing rates of interest, BTC retraced from its week-long high of $21,500. The market worth of cryptocurrencies on Saturday, June 25 elevated by 2.67 p.c on the day before today to achieve $954.13 billion on the time of writing.\nProbabilities of Upside are Under Average ?\nA widely known cryptocurrency dealer has predicted what has to occur for probably the most beneficial digital asset, Bitcoin, to show bullish. Rekt Capital, a cryptocurrency analyst, predicts that Bitcoin would probably endure till its buy-side quantity begins to extend.\nRekt Capital additionally factors out that this week’s purchase quantity for BTC is insignificant in comparison to purchase volumes at previous bear market bottoms that occurred close to the 200-week transferring common.\nCompared to purchaser quantity at prior Bear Market Bottoms created across the 200-week transferring common, the BTC buy-side follow-through on final week’s excessive promote quantity remains to be fairly low because the week involves a end.\nThen, Rekt Capital issued a warning to buyers, stating that Worry of Lacking Out (FOMO) BTC investments ought to sometimes be saved for unhealthy days, particularly if BTC is round $20,000.\nMoreover, he predicts that the highest cryptocurrency asset by market cap will most likely backside out when buyers least count on it to.\n“Not solely will the BTC backside happen while you least count on it to. However it can happen in a second when you’re devoting much less time/thought to crypto basically. Consolidation conjures up boredom & downtrends provoke the ostrich impact. Each distract from alternative.”\nOn the time of writing, BTC is buying and selling at $21,089 and has elevated by 0.49 p.c within the final 24 hours.\nWas this writing useful?", "label": "Yes"}
+{"text": "Is bitcoin mining in april profitable and should you invest in hashflare in 201842 comments\nBitcoin mining different gpushacks\nPlease sift a Legal firm in your wallet for help. In the television, the FSC obliged that in Taiwan, identical bitcoin foundations such as bitcoin are shadowy sincerely possible virtual commodities.\nAccording to the bitcoin foundation, whether miners involved in reply burn bitcoin foundations (ICOs) are thousands under the Scientists and Attar Act will be cast case by case, and needed fundraising will be deleted in january with fantastic laws. Previously, on Security 30, 2013, Taiwans Charismatic Church and the FSC bright issued a statement today the educational about the types inherent in currency with bitcoin.\nIn the economist, the regulators according bitcoin is not a lengthy development, but a exclusively speculative virtual currency..", "label": "Yes"}
+{"text": "What seems to be a fresh attempt to sway the Fed to take rates negative saw immediate backlash from sound-money supporters.\nEconometrics Of Risk Football finance expert Kieran Maguire has warned that the Championship is currently a \"high-risk\" industry, with the. The Organizing Committee is pleased to announce the 5th annual Financial Econometrics & Risk Management Workshop & Conference in London, Ontario, Federal Reserve Chair Jerome Powell, in a sober review of where the U.S. economy stands on the\n27 juli 2018.\nBitcoin was trading lower Friday morning after the SEC rejected a bitcoin ETF for the second time. The coin was trading down 1.35% at $7,840.\n28 Jul 2018.\nBitcoin believers are flocking to a sympathetic SEC commissioner's.\nTyler Winklevoss's second attempt to list shares in a bitcoin ETF was shot.\nThe Winklevoss Bitcoin ETF is an exchange-traded fund that will make it much easier to invest in the Bitcoin digital currency. The Winklevoss Bitcoin Trust still requires SEC approval of a rule.\n26/07/2018 · The Winklevoss twins’ dream of launching a bitcoin ETF was dealt another blow on Thursday as the Securities and Exchange Commission ruled.\n24 Aug 2018.\nIn contrast, when the proposed rule change for the Winklevoss bitcoin ETF was rejected in March, it took Bats BZX exchange to file a petition for.\nToronto-based investment manager 3iQ Corp. has completed a $48 million offering in its Bitcoin Fund (QBTC.U), trading on the.\n18/11/2014 · There are many questions surrounding the Winklevoss Bitcoin Trust ETF (COIN) such as its viability as an investment vehicle, its first-of-a-kind exposure to an unregulated crypto-currency, and.\nThe Winklevoss Bitcoin ETF (BATS: COIN) is a proposed exchange-traded fund that will buy and hold Bitcoin to back the shares investors have purchased. If approved by the U.S. Securities and.", "label": "Yes"}
+{"text": "Industry body PHDCCI has asked the government to direct central Public Sector Undertakings (PSUs) to clear all pending payments of Micro, Small and Medium Enterprises (MSMEs) to help the sector tide over financial woes. In a representation to MSME minister Narayan Rane, the chamber said the sector is facing the problem of delayed realisation of their bills and receivables, particularly from their large corporate buyers and government organisations, for a long time.\nAs a result of these delays, MSMEs face financial hardships and liquidity constraints which lead to severe pressure on their working capital management, and many of them turn into 'Non Performing Assets' (NPAs).\nThis severely affects sustainability of their operations, it said in the representation.\n\"The government should direct all CPSUs to make payment of their entire overdue bills in 30 days and take steps to provide adequate funds to those CPSUs which report lack of financial resources to meet their payment obligations.\nThe chamber also made a case for relaxation in classification of MSMEs' accounts in NPAs.\nGovernment supplies are high value in nature and since purchases by PSUs and government departments are on behalf of government of India, their payment is guaranteed and risk-free, PHDCCI said in the representation.\n\"It is therefore desirable that relief be granted to such units whose bills and receivables are stuck with government organisations and private companies from classifying.\nPHDCCI said there are apprehensions that if the problem of delayed payments of MSMEs' bills is not resolved, it might lead to large number of MSME accounts being referred by banks to the National Company Law Tribunal (NCLT) for insolvency proceedings under the Insolvency and Bankruptcy Code.", "label": "Yes"}
+{"text": "The term capitalization is used when the acquisition costs are recorded as assets\nrather than treated as expenses. The accounting standards differentiate between two kinds of expenses. The first\ntype of expense is incurred on assets that will be consumed immediately in the normal work of the company. The\nsecond type represents expense on assets that will be operating for many years to the benefit of the company. An\nasset which provides service for many years may be capitalized. It will be referred to as capital expenditure\nand added to the asset account. This increases the value of the asset as defined for tax purposes.\nThe term capital expenditure covers several types of assets. Amounts spent on the acquisition of fixed assets fall into the category of capital expenditures. Similarly, the money spent to add value to existing fixed assets qualifies as capital expenditures. The requirement is that the assets have useful life that extends beyond one calendar year. Repair work on problems that existed prior to the acquisition of the assets fall into this category. Other covered categories are: the start-up costs of a new business activity, the renovation and adaptation of assets to be used by the company, and the legal costs to establish and maintain property rights over a real estate. Expenses which are incurred to maintain the current condition of an asset shall be deduced during the same year.\nCapital expenditure is used most extensively in the oil, telecommunications, and utility industries. In general, capitalization is beneficial for companies because it allows for the delayed recognition of expenses. Companies that acquire long-term assets can spread out the costs over certain periods of time. Usually, the goal is to maintain or enlarge the scope of activities. When the cost of equipment is capitalized, the particular item is recorded as a tangible asset on the balance sheet. Shipping charges are also capitalized and included as assets. Then, the asset is subject to depreciation for many years. If the item in question is an intangible asset, it will be amortized. Costs which are not capitalized will appear as the costs of the items.\nFree charting webinar\nMon, Nov 18th, 2013 12:00 PM - 1:00 PM EST\nDuring the 60 minute session Paul Coghlan, founder of Coghlan Capital, looks at current charts for currencies, precious metals, US indices, highlighting turns and low risk entry points using the Median line analysis methodology.\nMedian line analysis reduces risk and increases the chartists ability to see trend direction, trend\nstrength and highlight entry and exit levels.\nSeats are limited so be sure to reserve your spot today. The webinar will be recorded, by signing up you'll receive an email with the webinar replay afterwards.", "label": "Yes"}
+{"text": "More on Economy\n“I am deeply frustrated by the relief bill introduced by Senate Republicans yesterday. After months of inaction, their proposal fails the American people during this once in a lifetime global crisis.\n(Washington, DC) Today, Representative Malinowski announced the inclusion of funding priorities requested by Mayors throughout New Jersey’s 7th district in the Fiscal Year 2021 House Appropriations packages that will be passed in the House of Representatives over the coming weeks.\n(Somerville, NJ) Following the release of data from the U.S. Small Business Administration (SBA) on the Paycheck Protection Program (PPP), Representative Tom Malinowski announced nearly 15,000 small businesses and non-profits in New Jersey’s 7th district have received PPP loans, supporting over 135,000 jobs.\n(Washington, DC) Today, the House of Representatives passed the Moving Forward Act, comprehensive legislation that will invest $1.5 trillion to rebuild America’s infrastructure and jumpstart our economy. Earlier this week Representative Malinowski spoke on the House Floor in support of the bill; you can find a transcript and video of his remarks here.\n(Washington, DC) Today, Representative Malinowski spoke on the House Floor in support of the Moving Forward Act, a comprehensive bill to rebuild America’s infrastructure and jumpstart our economy. You can find a video of his remarks here and a transcript below.\n(Somerville, NJ) Today, the Federal Transit Administration announced that New Jersey Transit will receive $13.3 million in funds directed towards operations in rural communities. This funding is part of the Coronavirus Aid, Relief, and Economic Security (CARES) Act, the $2 trillion emergency stimulus package Congress passed in March.\n(Somerville, NJ) Today, Representative Malinowski is sending a reminder to all small business owners of New Jersey’s 7th Congressional District of the approaching June 30th application deadline for the Paycheck Protection Program (PPP). For additional information on small business relief options and to apply for a forgivable loan, click here.\n(Washington, DC) Today, the House passed the Paycheck Protection Program Flexibility Act, a bipartisan bill to provide needed flexibility for small business owners amid the COVID-19 health and economic crisis. Representative Tom Malinowski cosponsored the bill.\n(Washington, DC) Today, Representative Tom Malinowski spoke on the House Floor to call on Congress to provide direct federal aid to state and local governments. Watch a recording of the speech here.", "label": "Yes"}
+{"text": "TeraExchange offers market participants an anonymous central limit order book (CLOB) for execution of a wide range of clearable swaps, as well as request-for-quote (RFQ), request-for-market (RFM) and indications of interest (IOI). Clearable swaps that can be traded on TeraExchange include interest rate swaps, credit default swap indices, and FX cash-settled and non-deliverable forwards. Bilateral contracts include equity derivatives and bitcoin forwards.\nThe company plays an important role by increasing the certainty of clearing, helping participants meet the regulatory goals of increasing transparency, accountability and oversight in the derivatives markets. TeraExchange also provides the world's first regulated bitcoin index - the Tera Bitcoin Price Index (TeraBit) - creating a benchmark for portfolio valuation.\nTeraExchange has an extensive range of approved derivative instruments for clearing by connected clearing houses, including CME and LCH.Clearnet.\nIn addition, TeraExchange offers two complementary trading tools for market participants. TeraDirect is a sophisticated front-end execution management system that displays all information and functionality needed to trade on TeraExchange. TeraCheck is a proprietary pre-trade credit risk management engine that allows market participants and their clearing members to enter and maintain appropriate risk controls and promotes the firmness of orders and finality of trade execution. TeraCheck integrates seamlessly with all in-house and external credit hub systems.\nParticipants wishing to design their own execution solutions to trade on TeraExchange may connect via FIX.\nTeraExchange is open for trading from 7:30am to 5:00pm ET Monday through Friday. Our customer service team is available during all regular trading hours.\nTera Bitcoin Price Index is published 12:00am to 11:45pm UTC seven days a week including holidays.\nThe exchange is closed on the following U.S. holidays in 2016 (unless otherwise noted).\n|New Year's Day||January 1||Closed|\n|Memorial Day||May 30||Closed|\n|Independence Day||July 4||Closed|\n|Labor Day||September 5||Closed|\n|Thanksgiving Day||November 24||Closed|\n|Thanksgiving Friday||November 25||Early Close|\n|Christmas Eve||December 23||Early Close|\n|New Year's Eve||December 30||Early Close|\n*Subject to change.", "label": "Yes"}
+{"text": "When I started freelancing, I didn’t know any other freelancer in my own line of work. There were other creative people I knew who were freelancing but not writers or editors. So learning the ropes of the trade has literally happened with own experiences and trial & error. What I was not prepared for is that unlike it is in being involved with a brand or a company directly, in freelancing, you spend a good amount of time in haggling, sending reminders and following up on payments due.\nOne of the things which I’d gauged early on was that work with foreign clients went smoother than those from local clients. While the scene has changed to a large extent in relation to local clients, foreign clients are still as reliable as ever. And a large part of the credit goes to PayPal, to be honest.\nMy first client who’d sent me payment via PayPal was a fashion magazine I used to write for. It’s been years since the magazine shut shop, but the experience remains as a for memory. Every payment was made within 24-hours of sending the invoice and PayPal made the conversion, transition and experience extremely smooth!\nA couple of months ago, I worked with a client from another Asian country. It was my first time working with another Asian country and I’ll be honest, I had some doubts about the reliability on prompt payment. Having worked with clients from US, Australia and parts of Europe, I was more at ease and knowledgeable about how payments worked. To my amazement, the process was smooth and the money would get transferred to my own linked bank account within 24 hours every time. The payee being a registered and verified member on PayPal gave me the assurance that I would not have to worry of (possible) non-payment. The inconvenience.\nFreelancer can use PayPal not only to receive payments from foreign clients but also avail the host of friendly options like PayPal.Me where one simply needs to create a link which can be personalised and shared with clients for easy credit of the payments. PayPal understands that it is important to gain trust of freelancers for which they have Seller Protection Policy specially for freelancers.\nRecently, PayPal has introduced Go Global Campaign to facilitate freelancers take up business opportunities through the platform. Since the freelancer community, though small, is a well-connected and depends a lot of the community’s influence. The process is pretty simple keeping in mind that the medium wants freelancers to have hassle free experience on the website. PayPal has tie-ups with different freelance networks, which helps the registered users look for freelance options as well. This sounds like a great thing apart from the existing services PayPal offers.\nFreelancing is not what is largely assumed to be – a low paying option to earn some pocket money. It can be high paying and one way to ensure that is to associate with foreign brands and individuals. PayPal makes the process easy and one can easily double their income just like I have.\nGet your dues and work with clients who appreciate your level of sincerity and deliverables. In no way am I saying that local clients should be avoided, I have myself worked with some brilliant brands and individuals. But, foreign clients bring in variety to you resume and you learn a lot of things to. Create a business out of your freelance profession and bring on board, clients from as many countries as you can!", "label": "Yes"}
+{"text": "We have requests from people who want to transfer the ownership of their house to their children now in order to avoid its loss should they enter long term care, but this presents its own problems. What if your children die, divorce, become bankrupt or estranged from you? . What about the capital gains tax liability your children may have to suffer? If your intention is to give your home away in order to avoid its value being used to pay for your care in the future, then this is likely to be considered ‘asset deprivation’ and simply will not work.\nAs Property Lawyers and Trust and Estate Practitioners, Goddard Dunbar can advise you as to the advantages and disadvantages of placing your house into trust. The ideal situation is to own nothing but to control everything, and to ensure that such control can pass on to others who in turn will own nothing but gain control of everything. This concept often reserved for the rich and wealthy to protect their assets and to simplify the management of such assets is now available to you and will help solve all of the problems discussed, and more.\nWith this in mind, Goddard Dunbar’s Home Protection Trust can help prevent the problems we have highlighted from arising. With your home in a Home Protection Trust, you no longer own the property, but you still control it.", "label": "Yes"}
+{"text": "Item 5.02. Departure of Directors or Certain Officers; Election of Directors;\nAppointment of Certain Officers; Compensatory Arrangements of Certain Officers.\nOn January 8, 2021, Corvus Gold Inc. (the \"Company\") appointed Ronald Largent as\nExecutive Chairman of the Company, effective January 1, 2021. Mr. Largent has\nbeen a director on the Company's Board of Directors since March 11, 2019 and is\nan experienced mining executive, he most recently for AngloGold Ashanti from\n1994 to 2017 and in the capacity of Chief Operating Officer - International from\n2012 to 2017 and worked for AMAX Gold from 1988 to 1994.\nMr. Largent will receive additional compensation in relation to his appointment\nas Executive Chairman. Mr. Largent's daily rate will increase to $2,500 per day\nwith a base level retainer of $15,000 per month and, he will continue to receive\nhis normal director fees of $3,000 per month. As a result of Mr. Largent's\nappointment as an executive of the Company, Mr. Largent was replaced on the\nCompensation Committee and Corporate Governance and Nominating Committee of the\nCompany's Board of Directors.\nMr. Largent does not have a family relationship with any other member of the\nBoard of Directors or any executive officer of the Company, and has not been a\nparticipant or had any interest in any transaction with the Company that is\nreportable under Item 404(a) of Regulation S-K. There is no arrangement or\nunderstanding between any of the Company's officers and directors and Mr.\nLargent pursuant to which he were selected to serve as an officer.\nItem 7.01. Regulation FD Disclosure.\nOn January 13, 2021, the Company issued a press release reporting initial core\nresults from the new Lynnda Strip discovery, Mother Lode Project, Nevada. The\npress release also reports the appointment of Ronald Largent as Executive\nChairman. A copy of the press release is attached to this report as Exhibit\n99.1. In accordance with General Instruction B.2 of Form 8-K, the information\nset forth herein and in the press release is deemed to be \"furnished\" and shall\nnot be deemed to be \"filed\" for purposes of the Securities Exchange Act of 1934,\nas amended. The information set forth in Item 7.01 of this report shall not be\ndeemed an admission as to the materiality of any information in this report on\nForm 8-K that is required to be disclosed solely to satisfy the requirements of\nItem 9.01. Financial Statements and Exhibits.\n99.1* Press Release, dated January 13, 2021\n104 Cover Page Interactive Data File (embedded within the Inline XBRL\n* The foregoing exhibit relating to Item 7.01 is intended to be furnished to,\nnot filed with, the SEC pursuant to Regulation FD.\n© Edgar Online, source Glimpses", "label": "Yes"}
+{"text": "Monaco Telecom has completed a €250 million acquisition of Vodafone Malta, the company said on Wednesday.\nThe company, which is owned by the government of Monaco and French billionaire Xavier Niel’s firm NJJ Holding, received regulatory approval from the Malta Communications Authority to conclude the deal on March 17.\nIt will continue to operate under the Vodafone brand for a transitional period.\nMonaco Telecom first announced its plans to enter the Maltese telecoms market in late December.\nTamas Banyai will take over as CEO of the Malta operation, following the departure of Vodafone Malta’s Sonia Hernandez. Banyai has led Vodafone Malta’s Consumer Business Unit since 2014.\nIn a statement announcing the acquisition, Monaco Telecom CEO Martin Peronnet said the company would be fully focused on Vodafone Malta customers’ user experience and he sent out a strong message of support to Vodafone Malta staff.\n“We are committed to keep them safe while they offer the best of technology and experience,” Peronnet said.\nBanyai said: This is a timely move for Vodafone Malta as Monaco Telecom’s international experience prepares us for the future at a time when customer needs are changing fast and we have to adapt to globally challenging times.\n“My background gives me a thorough understanding of customers’ changing needs and, with our new shareholders, we will be focusing on network investment and customer experience. The purpose of our company is to connect Malta for a better future and the need for delivering on this is now more pronounced than ever.”\nVodafone Malta was the first overseas Vodafone UK expanded into and introduced mobile telephony to the island through a company then called Telecel.\nThe deal to sell to Monaco Telecom comes two years after a proposed merger with Melita fell through due to objections raised by the competition regulator.\nThis is Monaco Telecom’s second overseas business aquisition, with the company having recently bought up Cypriot telecoms operator Epic.\nXavier Niel, who part-owns Monaco Telecom through his firm NJJ Holding, also has interests in telecom operators in Switzerland (Salt) and Ireland (Eir), and Iliad-Free (France and Italy).", "label": "Yes"}
+{"text": "An anonymous Twitter user who goes by the username @BTCHODLVirginia took to Twitter last week to complain about all the \"shitcoiners\" and \"fiat maximalists\" hurting the BTC price. Shortly after tweeting an angry storm about SBF and Berry Silbert, @BTCHODLVirginia tweeted that \"We are never going under $17k again, goodbye cheap sats.\"\n@BTCHODLVirginia's sentiment seems to be a theme in a certain subset of Bitcoin Twitter. You can see it in CEO of Swan Bitcoin's Cory Klipsten's Twitter posts where people decry \"shitcoin scammers.\"\nAnother trend that @BTCHODLVirginia has been a part of is posting their NOSTR public key, as well as pictures of their weekly $25 \"stacks\" on Swan. A \"stack\" or the act of \"stacking\" is a term used by a large portion of Bitcoin twitter referring to individuals giving up all their personal information to some entity in order to exchange money from their bank account for Bitcoin.\nA large contingency of Bitcoin Twitter has been publicly celebrating the act of \"Stacking\" by posting public pictures of their purchases on Twitter. They have been participating in something called a stack chain which appears to be some sort of peer pressure campaign in an attempt to get individuals to use products like Swan and Strike as well as to collectively try to raise the price of Bitcoin.", "label": "Yes"}
+{"text": "Aware Super, one of Australia's biggest industry funds, and VISSF, one of the country's smaller funds, have begun exploring a merger.\nSuperannuation fund executives in Australia are largely unconcerned about rising inflation expectations.\nUnited Technologies and Raytheon's merger presented challenges for CIO Robin Diamonte and her staff in merging the firms' retirement plans.\nInterest in state private-sector retirement programs continues to grow, particularly as states grapple with the economic impact of COVID-19.\nInternational retirement and savings plans for those working outside their home country have continued to grow in popularity.\nThe CEO of UniSuper, the Melbourne-based super fund focused on the higher eduction and research sectors, will depart later this year.\nAustralian industry funds Maritime Super and Hostplus agreed to pool assets as an alternative to Australia's wave of fund mergers.\nTotal assets in the 22 largest major retirement markets reached 80% of GDP in 2020, up a record 11.2 percentage points for the year.\nCbus added three senior investment professionals amid its continued push to bring more portfolio management in-house.\nAware Super wants to grow to be able to manage up to $230 billion, a push that could see it open offices in Europe and the U.S.\nThe key to successful adoption of financial wellness options is ensuring that they meet the needs of sponsors’ unique employee groups.\nTontines, with the promise of mortality credits, could attract growing numbers of clients hoping to win the pension lottery.\nDespite a roller-coaster ride in markets as a result of the coronavirus pandemic, retirement plans ended 2020 with solid investment returns.\nState Super tapped its acting head of investments as the $32.6 billion Sydney-based fund's new chief investment officer.\nHub International acquired Alpha Pension Group, a Boston-based registered investment adviser firm, following six similar deals last year.\nNational Employment Savings Trust will boost its private markets exposure to about 15% by 2022.\nMalaysia's Employees Provident Fund approved $4.8 billion in hardship withdrawals under a program announced in November.\nThe Australian Prudential Regulation Authority has increased scrutiny of the performance of the country's superannuation funds.\nU.K. retirement plans want the Pensions Regulator to keep deficit recovery contribution holidays despite a stable outlook for 2021.\nResearch from Georgetown University showed a national policy to close the retirement savings gap could boost savings and retiree income.\nRaymond James Financial agreed to acquire NWPS Holdings, a provider of plan administration, consulting and actuarial services.\nAustralianSuper portfolio assets have exceeded A$200 billion for the first time, with size and scale improving its prospects.\nInfratil's board has rejected AustralianSuper's bid to acquire the infrastructure firm, citing \"significant deficiencies\" in the offer.\nAustralianSuper announces an offer of $5.21 a share for New Zealand Stock Exchange-listed infrastructure developer and manager Infratil.\nMalaysia's Employees Provident Fund has pegged employees' contribution rate for 2021 at 9%, another year below the statutory rate of 11%.", "label": "Yes"}
+{"text": "Crude Oil Inventories On Deck\nShain Vernier • 2 min read\nOctober has brought energy sellers to the crude oil market in droves. Values of December WTI futures have dropped consistently, falling $10 per barrel from early month highs. For the time being, it appears that regular builds in supply and subsiding geopolitical uncertainty has brought calm to global oil. Let’s dig into the coming inventories cycle and see if this week’s numbers are in line with recent trends.\nWhat To Expect From This Week’s Crude Oil Inventories\nRecent news out of Saudi Arabia regarding increasing production looks to be having a calming influence on the WTI market. It was not long ago that the leading investment banks were predicting $100 WTI crude. Now, traders are wondering if this market is headed back to $60.00 in the near-term.\nHere is a quick look at industry expectations for the coming inventory cycle:\nEvent Previous Projected\nAPI Crude Oil Stocks 9.88M NA\nEIA Crude Oil Stocks 6.35M 3.67M\nIn mere days, more sanctions are to be levied against Iran. The U.S. goal of “zeroing” out Iranian oil sales and exports is progressing quicker than expected, with another deadline for sanctions set to go into effect November 4. All eyes will be on Saudi Arabian output and their commitment to make up for any shortfall created by the Iranian sanctions.\nWTI Crude Oil\nToday’s session for December WTI crude has featured a bearish test of the $65.00 level and subsequent rejection. At press time, values are off slightly and a daily Doji candlestick may set up by the closing bell.\nOverview: The action has been significant in December WTI. Traded volumes are approaching 500,000 contracts for the day, a large figure about halfway through the session. Expect more volumes to hit the market this afternoon on the API report and tomorrow morning on the EIA number.", "label": "Yes"}
+{"text": "Inflation is hardly a problem limited to American consumers. Across the, world, central banks are struggling to get it under control—while risking recessions in the process.\nIn the U.K., inflation is the highest it’s been in four decades at 9.1%. It’s climbed to 8.6% across the EU, the highest rate ever recorded there, while other countries ranging from South Africa to Australia have hit new inflation records as well.\nThose numbers, however, pale in comparison to what Turkey is currently experiencing. Inflation is now at 78.6%, according to a report released Monday by the Turkish Statistical Institute, the country’s government agency tasked with tracking national data.\nThat number represents the country’s highest level of inflation in approximately two decades, with price increases varying widely across consumer sectors. Healthcare inflation, for example, is 39.3%, while the recreation and culture sector is experiencing 50.5% inflation.\nRates are significantly higher in other essential sectors, like food, where prices have nearly doubled in the past year with an inflation rate of 93.9%. The sector with the highest rate of inflation is transportation, which reached 123.4% in June, according to the report.\nThe lira, Turkey’s national currency, has simultaneously tumbled in value throughout 2022. It’s currently worth about 20% less versus the U.S. dollar than on January 1.\nExperts say that the country’s economic outlook is likely to get worse throughout this year. “Acute exchange rate and inflationary pressures are hitting consumer purchasing power and undermining confidence, which will continue to weaken private consumption,” wrote S&P Global Ratings in an economic outlook report for Q3 across Europe, the Middle East, and Asia released last week.\nThe root causes of Turkey’s inflation woes are similar to those impacting countries across the world, with Russia’s invasion of Ukraine and its resulting global energy and food crises playing an especially prominent role. “Recession in Russia and Ukraine, as well as the growth slowdown in the eurozone and the U.K. will weigh on exports, which has been Turkey’s important growth driver until recently,” added S&P Global.\nCompounding the rise in inflation is an unconventional policy approach to combating it. Turkey’s central bank has vowed not to increase its baseline interest rate, which it has kept at 14% since December. The country’s president, Recep Tayyip Erdogan, has argued that lower rates will ultimately boost production and help with inflation.\n“This government will not raise interest rates. We will continue cutting them,” he said last month after a cabinet meeting.\nThe country’s loose monetary policy factors into S&P Global’s economic forecast. “We don’t see any sign of a change in the monetary stance of Turkey’s central bank, and expect it will keep the key rate unchanged at 14% in the coming months, while using various macroprudential measures to curb credit growth and support the currency,” wrote analysts.\nIn January, Turkey increased its minimum wage 50.5% in an attempt to help workers cope with the increased cost of living. The country’s labor ministry is expected to increase the rate again this month.\nTurkey’s policy stands in stark contrast to the monetary policy changes other central banks have taken in response to inflation. Last month, the Swiss National Bank increased its interest rate 50 basis points, its first rate hike since 2007. Meanwhile the European Central Bank (ECB) is expected to institute its first rate hike in 11 years this month. The Bank of England has increased its interest rate five times since December.\nIn the U.S., the Federal Reserve has taken similar action to tighten monetary policy, instituting its first rate hike in March, followed by a second in May, and a third in June. The last, a 75-basis-point increase, was its biggest since 1994. The bank is expected to continue to make interest rate increases throughout the year, even as signs of an economic downturn loom.\nS&P Global’s report on Turkey was not solely negative in its outlook. “Ongoing strong recovery in international tourism remains a bright spot,” the report pointed out.\nSign up for the Fortune Features email list so you don’t miss our biggest features, exclusive interviews, and investigations.", "label": "Yes"}
+{"text": "Business / Real Estate / Amortization: The gradual repayment of a debt by means of systematic payments of principal and/or interest over a set period, so that at the end of the period there is a zero balance. The principal is thus directly reduced or amortized over the life of the loan. Some loans are not fully amortized, and require a balloon payment at the end of the term of the loan.\nBusiness / Accounting / Effective-Interest Amortization: A method of systematically writing off a bond premium or discount that takes into consideration the time value of money and results in an equal rate of amortization for each period. MORE\nBusiness / Finance / Negative Amortization: A loan repayment schedule in which the outstanding principal balance of the loan increases, rather than amortizing, because the scheduled monthly payments do not cover the full amount required to amor MORE", "label": "Yes"}
+{"text": "Embattled Hong Kong Express names new CEO from Africa-based airline\nAirline plucks head of small-scale carrier backed by troubled Chinese conglomerate HNA Group\nBudget carrier Hong Kong Express took its latest step to bolster its leadership amid a company shake-up by naming the head of a young Ghana-based airline backed by troubled Chinese conglomerate HNA Group to take the helm.\nThe CEO and co-chairman of small-scale Africa World Airlines, Michael Luo Cheng, overseeing a fleet of six planes, was appointed with immediate effect as chief executive officer, the company announced on Friday night.\nLuo will be responsible for the airline’s overall direction and strategy, playing a key part in its investments and operational decisions.\nThe move came as the budget carrier serves a punishment meted out by Hong Kong’s aviation regulator for cancelling flights during a major Chinese public holiday last September.\nLuo would monitor day-to-day business, which would be led by company president Li Dianchun, who was poached from Hong Kong Airlines. Zhong Guosong would remain executive chairman and overlap with Cheng in a number of duties.\nIn its statement on Friday, the company said the appointment would “enhance the quality of customer service and improve management efficiency”.\nHNA Group, a major Chinese firm with interests in aviation, financial services, tourism and real estate, is under significant financial pressure amid a debt-fuelled buying binge of assets totalling US$40 billion.\nIn recent months, its bankers have moved to shore up their exposure to the Hainan province-headquartered company. This has caused it liquidity challenges.\nHNA Group has interests in more than a dozen airlines in mainland China and Hong Kong, plus stakes in foreign carriers including Virgin Australia and Brazil’s Azul Airlines. The company has a major stake in Hong Kong Airlines, the city’s third-largest airline.\nMeanwhile, Hong Kong Express has encountered its own high-profile problems.\nLast November, the Civil Aviation Department banned Hong Kong Express from taking delivery of new aircraft for new routes or adding flights or destinations to its network until April 30 next year.\nThis punishment came for its sudden scrapping of 18 flights between Hong Kong and Seoul, Osaka and Nagoya from October 1 to 8 – ruining travel plans of some 2,000 passengers during the busy “Golden Week” National Day holiday period.\nThe episode led to the sacking of CEO Andrew Cowen and triggered an overhaul of the company’s management team.\nBased at Hong Kong International Airport, Hong Kong Express has a fleet of 23 single-aisle aircraft. It flies to 26 destinations in Asia.\nAfrica World Airlines was founded in 2010 as a joint venture between Hainan Airlines and several partners. It flies a half-dozen routes in Ghana and western Africa.", "label": "Yes"}
+{"text": "10 Ways To Immediately Start Selling TOP QUALITY CRYPTO MINING\nCrypto” – or “crypto currencies” – certainly are a type of computer software system which supplies transactional functionality to consumers through the Net. The most essential feature of the system is their decentralized nature – commonly provided by typically the blockchain database system.\nBlockchain and “crypto currencies” have become major elements in order to the global zeitgeist recently; typically because of the “price” regarding Bitcoin skyrocketing. It has lead millions involving people to participate in the marketplace, numerous of the “Bitcoin exchanges” starting massive infrastructure tensions as the requirement soared.\nThe almost all important point out understand about “crypto” is usually that although it actually serves the purpose (cross-border deals through the Internet), it does not necessarily provide any other economical benefit. Quite simply, the “intrinsic value” is staunchly restricted to typically the ability to work together with people; NOT NECESSARILY inside the storing or disseminating of value (which is exactly what nearly all people see that as).\nThe virtually all important thing you need to realize is that “Bitcoin” etc are payment sites – NOT “currencies”. This will end up being covered deeper throughout a second; the most important thing to realize is usually that “getting rich” with BTC will be not a case of giving individuals any better economic position – it’s basically the technique of staying able to purchase the “coins” intended for a low cost promote them increased.\nTo this end, whenever looking at “crypto”, you need in order to first understand how this actually works, and even where its “value” really lies…\nDecentralized Payment Networks…\nAs stated, the key point to not forget about “Crypto” is that it’s predominantly a decentralized repayment network. Think Visa/Mastercard minus the central running system.\nThis is definitely important because it highlights the real reason why people have really began looking at the “Bitcoin” task more deeply; it gives you the capacity to send/receive funds from anyone around the world, so long while they have your Bitcoin wallet handle.\ntop cryptocurrency casino why this attributes the “price” for the different “coins” is because of the particular misconception that “Bitcoin” will somehow supply you with the ability to create money due to becoming a “crypto” asset. It doesn’t.\nThe particular ONLY way that individuals have been making money with Bitcoin has been as a result of “rise” in its price – purchasing the “coins” for a low price, and selling them for any MUCH larger one. Whilst it worked out well for many men and women, it was really based off the “greater fool theory” – essentially stating that when you control to “sell” the coins, it’s in order to a “greater fool” than you.\nThis specific means that if you are looking to get involved with typically the “crypto” space right now, you’re basically looking at buying any regarding the “coins” (even “alt” coins) which in turn are cheap (or inexpensive), and riding their price goes up until you sell them off later on. Because zero of the “coins” are backed by simply real-world assets, right now there is no way to estimate when/if/how this will function.\nIntended for all intents-and-purposes, “Bitcoin” is a spent force.\nThe legendary rally of Dec 2017 indicated mass adoption, and although its price will likely continue to increase into the $20, 000+ range, getting one of the particular coins today will certainly basically be the huge gamble of which this will arise.\nThe smart money is looking from the majority involving “alt” coins (Ethereum/Ripple etc) which have got a relatively small price, but are usually continually growing throughout price and usage. The key issue to look in in the modern “crypto” space is definitely the manner in which the various “platform” methods are actually being used.", "label": "Yes"}
+{"text": "PARIS • STMicroelectronics yesterday delivered an upbeat assessment on second-half demand for its smartphone-focused products, brushing off investor anxiety over the soft take-off of Apple's iPhone X.\nThe chipmaker said sales should grow in the first half, offsetting a seasonal smartphone dip in the first three months of the year. Its forecasts come as concerns about a potential stagnation of smartphone demand intensified after South Korean chipmaker SK Hynix warned on Tuesday of slower growth in smartphone chip sales.\nAnalysts say Apple represents about 10 per cent of STMicro's revenues. The group is said to make imaging and proximity sensor products used in the iPhone X. It declines to identify its customer.\nChief executive Carlo Bozotti said in a statement yesterday: \"For the second half of the year, we see healthy demand, with a strong backlog across all our product groups, end markets, including smartphones.\"\nFirst-quarter results were in line with market expectations.\nThe group's quarterly net revenues rose 22 per cent to US$2.23 billion (S$2.96 billion) from a year ago, but fell from the last quarter of 2017 due to a seasonal smartphone dip. Gross margin rose to 39.9 per cent from 37.7 per cent. Second-quarter revenues are expected to rise by about 1.5 per cent from the previous quarter. The mid-point target for gross margin is 40 per cent for the second quarter.", "label": "Yes"}
+{"text": "What Is Tax Crime?\nFalse statements and tax returns, seeking refunds that you are not entitled to, failing to file the proper returns are just a few of the cases that could be prosecuted by the IRS or Franchise Tax Board as tax crimes.\nDon has successfully defended these cases. His experience in the accounting and securities field make him well qualified to be your lawyer in such cases.\nIf you are charged or accused of Tax Crime,\nplease call or email Don at (310) 284-2040 or email@example.com.", "label": "Yes"}
+{"text": "YSR Kapari Bandhu Scheme: As part of Andhra Pradesh Chief Minister YS Jagan Mohan Reddy’s promises before the elections, he has been churning out different welfare schemes for different communities and people in the state. After launching schemes like Amma Vodi scheme, Jagananna Vidya Deevena scheme successfully now he launches yet another scheme YSR Kapari Bandhu scheme and with the help of this, he is going to target the shepherd community for their betterment.\nWith this new YSR Kapari Bandhu, the people who are from Golla and Kuruma communities which are commonly known as shepherd communities will get financial aid from the government to strengthen their economic empowerment. The scheme is implemented by keeping in mind the poor shepherd communities which are living in the state. Through the implementation of the scheme, the subsidy will be provided on the sale and purchase of animals.\nThe implementation of the scheme will be done very soon by the concerned authorities. The scheme is introduced by the National Co-operative Development Corporation to benefit all the shepherds. All of the shepherds of the state will be given financial assistance to buy 20 sheep and one goat. The scheme is implemented to benefit 50,000 beneficiaries. Each year around 12,500 beneficiaries will be given financial assistance. Rs 200 crore has been allocated for the project.\nUnderstand the benefits of YSR Kapari Bandhu:\nOne of the main benefits which will be provided to all of the shepherds’ community of Andhra Pradesh state will be the availability of subsidy on sale and purchase of animals like sheep or goat.\nThe subsidy will amount to 30% of the loan or Rs. 1.5 lakhs, whichever is less.\nThis availability of subsidy will help all of the shepherds to continue with their business even when they have low financial ability.\nThis scheme will help all of the people of the Andhra Pradesh state to continue their businesses and flourish the state.\nThe scheme will be very beneficial for the people who are carrying on the business of selling and purchasing an animal.\nWho are eligible for YSR Kapari Bandhu scheme? Find out the details of eligibility:\nThe applicant must be a resident of Andhra Pradesh state.\nThe applicant must belong to below the poverty line category.\nAn Applicant must have a working bank account\nThe registered members of the Golla and Kuruma communities are only applicable to the scheme.\nHow to avail the YSR Kapari Bandhu? Check out the list of documents needed:\nVoter ID card\nWorking bank account details\nAccording to sources close to CMO, the YSR Kapari Bandhu scheme second phase will be kicked off by the CM by end of this month and another set of beneficiaries will be given the fund.", "label": "Yes"}
+{"text": "The Family Business Association of California (FBA) represents family businesses at the legislature and in the courts to help overcome regulatory and economic obstacles and ensure they maintain freedom to operate with as little government intervention as possible.\nWe are a proactive voice for family businesses in California and identify opportunities for and threats against family businesses, thereby providing a voice for solving the problems they face.\nWe are active in the California Assembly and Senate on a daily basis, where we support or oppose legislation based on the effect it would have on family businesses. The following are just a few of the many legislative goals we have mapped out for action.\nChange of Ownership – The most important aspect of a family business is that it passes from generation to generation. Family business owners dream of the day when they can pass on what they’ve built on to their heirs. But that change in ownership could, depending on the circumstances and size of the business, trigger government reassessments and lead to increased tax burdens for family businesses.\nAB 1040 was introduced during the 2015-2016 session of the Legislature. Had this bill passed, it would have broadened the definition of a “single transaction” transfer, potentially resulting in more family businesses being hit with real estate reassessments and a higher tax burden due to a transfer of ownership. Through the efforts of our organization and our many allies, AB 1040 was defeated, preserving the ability for family businesses to pass ownership on to their heirs without being subjected to undue hardship.\nFighting Unnecessary Regulations – SB 878, also known as the Fair Scheduling Act , would have required grocers, retailers and restaurants to adopt convoluted guidelines in order to change the schedules of hourly workers. Failure to follow these guidelines would have enabled any affected employee to sue, in addition to requiring businesses to compensate employees for shifts not worked or pay them a higher rate for new shifts. This would have been problematic for a number of reasons:\n- The bill would have reduced the freedom business owners and management have over their own operations\n- It could have potentially invited legal battles that many family businesses would struggle to finance or settle\n- Complex regulatory changes that affect routine operations often put an unfair burden on family businesses, especially if they have limited resources to handle those required changes\nFBA and our business partners defeated SB 878, ensuring these damaging restrictions won’t be forced on unsuspecting family business owners.\nFBA also was involved in killing a split-roll real estate tax effort that would have cost California businesses $9 billion per year and tax reform that would have placed a sales tax on services. FBA won on two legislative efforts to help reduce meritless ADA lawsuits, reforms to employee tracking requirements, and formation of a group to find solutions to cargo theft. Although it was a tough year overall, without the voice of California’s family owned businesses at the Capitol, it would have been worse.\nPlease contact FBA to learn more about becoming a member of our Association", "label": "Yes"}
+{"text": "More banks and credit unions than ever are working with cannabis-related businesses, according to a recent federal watchdog report.\nThe Financial Crimes Enforcement Network (FinCEN) oversees all banking activity in the country looking for suspicious activity. And cannabis presents a problem for FinCEN — it is legal in some states but remains federally illegal, meaning banks could be accused of facilitating money laundering just for working with a state-licensed cannabis business. The risk, however, hasn’t stopped more financial institutions from opening their doors to cannabis.\nAt the end of June, there were 553 banks and 162 credit unions that reported to the federal government that they were providing services for cannabis-related businesses, according to the FinCEN quarterly report. FinCEN knows these banks are working with cannabis-related businesses because the banks and credit unions are telling them. To be able to work with cannabis-related businesses with the least amount of fear of penalty, banks and credit unions file suspicious activity reports (SARs) when they encounter certain kinds of activity, and that includes all cannabis business transactions.\nHere’s a breakdown of what the report said:\n- FinCEN received a total of 87,249 SARs using the key phrases associated with cannabis-related businesses,” according to the FinCEN report.\n- About 78% were from state-licensed cannabis businesses.\n- About 8% were targeted for further investigation.\n- About 25% had their accounts terminated.\nSome SARs had multiple FinCEN key phrases, which is why it totals more than 100%. That termination amount is high, but that’s still a majority of businesses that are allowed to receive banking services.\nThat may soon change. The House of Representatives recently passed the Secure and Fair Enforcement (SAFE) Banking Act to protect banks that provide services to cannabis-related businesses. This would clarify rules for regulators and make it much easier for more financial institutions to welcome cannabis business customers. U.S. Treasury Secretary Steve Mnuchin told Congress in April that the confusion for financial institutions wasn’t the fault of regulators, because they could only uphold existing regulation that did not clearly allow for cannabis-related business activity.\nRegulators have been working off of the Cole Memo, which leaves many questions unanswered and not formally written into the rules. The Cole Memo was issued by U.S. Deputy Attorney General James Cole in 2013 and outlined to the U.S. Justice Department that it would not enforce cannabis prohibition. U.S. Attorney General Jeff Sessions later rescinded that memo, but not much has changed in practice. Even credit unions won’t be sanctioned for working with cannabis businesses anymore.\nWhile more banks and credit unions are working with cannabis-related businesses than ever before, it is still not a majority and it is difficult for million-dollar businesses to get financial services. This has lead to large companies running on a cash-only basis and problems for the IRS when they try to collect taxes. Having large amounts of cash is a security risk and impacts the economy, which is part of why 38 attorneys general have endorsed the SAFE Banking Act.", "label": "Yes"}
+{"text": "U.S. stocks tumble for a fourth day this week, retreating after the prior session's rally, with retail sales declining a record amount in October, J.C. Penney Co. offering an outlook miss and Nokia Inc. warning of falling handset sales. See full story.\nEconomic Report: Retail sales plunge record 2.8% in October\nFalling for a fourth straight month, U.S. retail sales plunge a record 2.8% in October as sales of autos and gasoline plummet. See full story.\nThe Fed: Bernanke, in Europe, says central banks remain on point\nCentral banks around the world stand ready to take additional actions as needed to restore financial market stability and ease the global credit crunch, Federal Reserve Board Chairman Ben Bernanke tells a European audience. See full story.\nIt's official but not unexpected: Euro zone's in recession\nA global economic slowdown, financial turmoil and home-grown problems combine to push the 15-nation euro zone into recession, data show. See full story.\nNokia warns mobile-device industry sales will fall in 2009\nNokia, the world’s top maker of mobile phones, warns industry sales of wireless handsets will fall next year as consumers pull back in the face of the economic slump and limited credit availability. See full story.\nStocks over the past dozen years are behind T-bills\nIt was almost exactly a dozen years ago that Yale University finance professor Robert Shiller bent Alan Greenspan’s ear, prompting the Fed chairman to give his famous “irrational exuberance” speech. See full story.\nWith economy unraveling, secondhand stores are suddenly chic\nChristina Park keeps this a big secret from her husband but is not ashamed to tell all her friends: She shops at a secondhand store for clothing every day. See full story.\nWant a summary of the top news? Subscribe to MarketWatch's free Midday Report newsletter. Sign up here.", "label": "Yes"}
+{"text": "BREAKING CRYPTO NEWS: CORE CPI DATA BELOW 5% FOR FIRST TIME SINCE 2021!!! Top crypto news today – we have bullish crypto news out right now!\nMASSIVE EARLY OPPORTUNITY!!!!\nGRAPE PRE- DISTRIBUTION PRESALE: https://buy.grap3.com/invite?ref=UD04494\nGRAPE WEBSITE: https://grap3.com/\nThis video is strictly for informational purposes only. It is not a direct offer or solicitation of an offer to buy or sell, or a recommendation or endorsement of any products, services, or companies. CryptosOnline.com does not provide investment, tax, legal, business or accounting advice. Neither the company nor the author is responsible, directly or indirectly, for any loss or damage caused or alleged to be caused by, or in connection with, the use of or reliance on any content, goods, services or opinions mentioned in this article.\n#Bitcoin #Cryptocurrency #Crypto", "label": "Yes"}
+{"text": "BankAmerica has increased its commitments to two mortgage products aimed at low-income borrowers, a step toward meeting its $350 billion Community Reinvestment Act pledge.\nOne product allows borrowers to buy a home with no money down. The other accepts borrowers who do not have credit scores but can prove their creditworthiness through nontraditional means.\nThe bank raised its commitments from $500 million and $600 million, respectively, to $1 billion for each product.\nLast year, a month after the old BankAmerica Corp. and NationsBank Corp. announced their merger plans, they unveiled a $350 billion CRA pledge, the largest such commitment ever. Community groups complained that the banks' plan did not specify how much particular communities would get.\nThe bank has not specified volume goals for specific cities or neighborhoods. For the mortgage to borrowers lacking credit scores, however, BankAmerica has lowered to $500 the amount those in Arizona, New Mexico, Nevada, and Los Angeles County must contribute to the 3% down payment.\nThe rest of the down payment can come from a gift, a grant, or another loan. In all other states where this \"credit flex\" loan is offered, the borrower's minimum contribution is 1% of the loan balance.\nThe two affordable-housing programs were developed by the old BankAmerica, said Stephanie Smith, national manager of community lending at the merged company, as she was at BankAmerica. The bank is now making those loans available in the old NationsBank's markets, she said.\nNationsBank's affordable-lending products were Fannie Mae and Freddie Mac loans that \"weren't letting us reach deep enough with our lower-income borrowers,\" Ms. Smith said. \"These two products allow us to make more loans to low-income families and people of color in low-income neighborhoods.\"\nFor now, BankAmerica intends to hold all the loans it originates under these programs in its portfolio, though Ms. Smith said the bank expects a secondary market to develop.\nCommunity groups applauded the mortgage initiative, but said they still want the bank to set geographic targets.\n\"We think it's positive that financial institutions that care about CRA are trying to regain the market from unregulated finance companies and mortgage companies,\" said Alan Fisher, executive director of the California Reinvestment Committee.\nBut \"we are still concerned that the bank has not made a specific commitment to California,\" he said.\nActivists like Mr. Fisher are also concerned about the dominance of NationsBank management in the new company, and the departure of two key community-development officials from the old BankAmerica, Donald Mullane and Mike Mantle. He said his group wanted the bank to outline its precise goals for California so it \"can be held to the same standards.\"\nBut Bruce Marks, executive director of the Neighborhood Assistance Corp. of America in Boston, praised Hugh McColl, former CEO of NationsBank and now CEO of BankAmerica, as \"the one banker who's absolutely committed to these programs and has gone out and provided leadership to defend CRA and to advocate for low-income lending.\"", "label": "Yes"}
+{"text": "Russell Grant's Daily Horoscopes for Thursday 28th January 2016: Aquarius\nA business or romantic partner will experience a stroke of financial luck. You'll benefit from this windfall. Having a little more money in the bank will allow you to travel. Take this opportunity to book a long distance trip you've been longing to take. You'll greatly benefit from a change of scenery. You can go with your partner or enjoy a solo trip; it's up to you. The important thing is to leave familiar surroundings for greener pastures. This journey will be fun and instructive.\nTen reasons why we want to be on TOWIE!", "label": "Yes"}
+{"text": "Johannesburg Water has responded to an enquiry from the Rosebank Killarney Gazette regarding the ongoing issue of pipe bursts in the paper’s coverage area. The external communications officer at Johannesburg Water, Nolwazi Dhlamini, was asked how to prevent such incidents.\nDhlamini stated that Johannesburg Water has a pipe replacement program to address the ongoing water pipe bursts across the city to reduce burst frequencies and minimise water losses. “The entity has a pipe replacement programme that aims to reduce burst frequencies and minimize water losses.”\nShe also noted that for the current financial year (July 1, 2022, to June 30, 2023), Johannesburg Water allocated R69 622 million for the pipe replacement programme, and for the next financial year (July 1, 2023, to June 30, 2024), they budgeted R105 million for water pipe replacement.\nJohannesburg Water has already replaced 452km of piping (water and sewer) since the commencement of the pipe replacement programme. Furthermore, the entity plans to replace another 31km of water piping in the next financial year.", "label": "Yes"}
+{"text": "If in case you have recently purchased residential property, you might find that there are a lot of changes you need to make to your new dwelling. Even new development houses may use some personalization to make it really your individual. Natural mild is another great addition to a kitchen. Plan ahead along with your mild fixture and you’ll have the correct quantity of sunshine – day or night time. Consider the spherical tubing skylights additionally – they’re simple and relatively inexpensive and but they deliver a beam of sunshine right where you planned it. Wonderful for shady settings. Hilarious! I really like your humorousness. The Beer Can Show kind of jogs my memory of a country model of recent pop art. Form of Jeff Foxworthy meets Andy Warhol.\nA technique you can cleverly deduct your home improvement funds is to roll it into your mortgage whenever you purchase a home. This may not look like essentially the most genius plan; you’re still paying for the price of repairs, in spite of everything, and getting a much bigger mortgage to cover these repairs means you may be paying more in curiosity. But keep in mind that should you itemize your deductions , you may write off the price of your mortgage curiosity cost. Add the price of improvements to your mortgage, and that write-off can increase.\nDried within the Andalucian sun for an authentic patina, the tiles in Bert & May’s Azure collection feature three on-trend geometric designs in 4 new shades inspired by water. Choose from Azure Blue, developed with The Conran Store, Navy, Sea and Lake, £9 per tile. It is a nice idea for your living room. You possibly can decrease an area to have a dialog pit. This will likely be like you might be in one other room.\nThis kind of mortgage refinance is completed when you refinance your private home for over the outstanding balance on the mortgage you have already got. This technique is used when properties have boosted in worth. Say you purchased your own home for $200,000 about 10 years in the past. You’ve paid on it $90,000 and owe $a hundred and ten,000 on the mortgage. The home’s worth has doubled since purchasing it and it’s now value about $400,000. You’ll be able to go for a money-out refinance for $250,000 and use the money to pay off the excellent mortgage of $110,000 and use the remaining quantity for the house renovations.\nAn amazing inside design tip is to start out going to extra yard sales and thrift stores. You’d be amazed at some of the distinctive issues that you can find at these avenues versus the standard places like Ikea. You might come throughout a terrific finish table or superbly adorned vase. In case you plan on transferring in two to a few years, do not make investments cash in dwelling improvement projects that won’t increase the resale worth of your property.", "label": "Yes"}
+{"text": "Detroit voters have taken a major step toward returning the city’s main school district to what it once was. By renewing the school operating tax, the district continues to retire debt on a pace set in 2016 as part of the state-imposed reforms.\nWith Tuesday’s vote behind them, state and local leaders must now turn their attention to other elements necessary for the district’s success: such as finding a long-term strategy to improve buildings and facilities; making strides in early childhood literacy; and developing an equitable funding system that addresses the disparate educational, social-emotional, and developmental needs of many Detroit school children.\nOn Tuesday, August 4, voters in the Detroit Public Schools (DPS) district approved a renewal of a school operating tax that is being used to pay off the district’s legacy debts. The approval maintains the financial framework created in 2016 as part of the $617 million state-supported plan to liquidate the district’s operating debts and shift educational responsibilities to the newly-created Detroit Public Schools Community District (DPSCD).\nFour years ago, after decades of failed educational, governance and financial reforms, DPS stood on the precipice of bankruptcy with only the State of Michigan positioned to step in and right the course. At the end of the 2015-16 school year, the district had over $3.5 billion in combined operating and capital debts. The amount of operating debt on its books at the time ($1.8 billion) represented a near-existential threat to the 48,000-student district’s ability to continue to educate Detroit children.\nIn early summer 2016, the state enacted a suite of bills to restructure DPS. Most notably, the package included ending years of state control and emergency management by returning the district to local control, creating an accountability system for all Detroit schools (traditional public and charter), placing the district under oversight of the Detroit Financial Review Commission, and splitting the district into two separate entities – one to educate students (DPSCD) and another to continue collecting taxes (both operating and capital) that would be used to pay off debt (DPS).\nA key piece of the financial reforms involved the state’s commitment of $617 million and a plan to re-purpose the existing school operating property tax. The proceeds from the 18-mill non homestead tax (levied only on industrial, commercial, rental, and vacation properties) were redirected to debt repayment instead of using the funds to finance the district’s per-pupil foundation allowance. The tax currently generates approximately $65 million annually and the estimates at the time were that the district’s operating debts would be paid off in approximately 10 years.\nTo avoid impacting the funding flow to current school operations, the state replaced, dollar for dollar, the repurposed operating tax proceeds. This means that during the period of debt repayment, DPSCD’s foundation allowance will be financed 100 percent by the state School Aid Fund. After DPS legacy debts are fully repaid, the proceeds from the tax will revert to supporting DPSCD’s foundation allowance and the additional SAF support will be eliminated.\nThis is the same fiscal arrangement the state used to allow two other districts to pay off their operating debts with state dollars – Inkster and Buena Vista. After a law was passed to give state officials the authority to dissolve specific districts for financial reasons, Inkster and Buena Vista were dissolved in the spring of 2013 because of chronic financial stress. After their dissolution, the entities remained in name only; their sole function was to collect taxes and repay debts. They were no longer responsible for educating students living within their boundaries. Instead, the new law shifted this responsibility to neighboring districts.\nThe 18-mill non-homestead property tax levy requires voter approval because it is a local tax and that approval is only granted for a limited number of years. The current DPS millage was set to expire at the end of 2022 – before the legacy debts were repaid. Thus, the state’s plan to pay of the debts, premised on local voters re-authorizing the school operating tax before that expiration, was complicated by the requirement to obtain voter approval for a tax that does not directly fund classrooms.\nOn Tuesday, voters did just that by approving the tax levy through 2033 or until DPS’s debts are repaid, whichever is sooner.\nThe vote clear’s one hurdle facing the district. It permits the 2016 state-imposed financial plan for Detroit schools to continue on pace and uninterrupted. It is one step in a much larger effort to return the city’s main public school district to earlier periods of success.", "label": "Yes"}
+{"text": "What is EXCHAIN?\nE2E Ad Spend Transparency and Verification. The EXCHAIN platform provides full coverage of ad spend transparency and ad impression through every stage of the ad chain. Using secured decentralised storage, EXCHAIN stores all smart contracts and event logs for easy ad spend audit. EXCHAIN verifies each of the rendered impressions based on the rules the advertisers set in the smart contract and records the spend for that particular impression. The reporting system enables immutable proof of spend and impression evidence and provenance for transparent advertising.\nFraud Inventory Detection and Elimination. The EXCHAIN platform addresses the fraud issue using an ad spend cash flow approach. Instead of attempting to use big data to sample and determine fraudulent sources on a probabilistic basis, EXCHAIN uses a decentralised ad spend distribution mechanism to prevent revenue from being taken by fraudsters out of the ad value chain by fraudsters. Fraudulent operators, such as those involved in domain spoofing, will not have access to a revenue receive gateway and the\nEXCHAIN platform will provide a deterministic way to reveal such fraud and remove it completely.\nReal-Time Ad Spend Handling and Payment. The EXCHAIN platform will replace the traditional paper insertion orders (“IO”) with digital smart contracts. All stakeholders of advertising campaigns, e.g. advertisers, agencies, DSPs, SSPs, DMPs, are able to execute a smart contract electronically, and as a result, real-time ad spend handling and payment processing becomes possible. The EXCHAIN platform’s smart contract system interacts with its SMART API for real time impression verification and ad spend handling and payment processing. The smart contract also legally binds all parties of a campaign in a unified ad serving channel.\nUnrestricted Advertising Currency. The EXCHAIN platform enables advertisers to use a single advertising currency, EXT tokens, to achieve their global ambitions. EXT tokens will be used in all stages of the ad chain, and remove certain inherent restrictions on conducting business on a global basis. Advertisers can easily purchase EXT tokens from major coin exchanges and thereby acquire advertising resources in the blockchain advertising ecosystem that is the EXCHAIN platform. EXT tokens are also designed for adoption outside the EXCHAIN ecosystem for the open-sourced modules the platform intends to bring to the digital space.\nBenefits Of Using The EXCHAIN Platform\nIncreased Advertiser ROI: Less Spend, More User Acquisition\nEXCHAIN enables advertisers to increase their advertising cost efficiency by eliminating intermediary fees and fraudulent activities, and potentially saving them billions of dollars in ad spend per year. With a lower CPM, CPC, CPA and other cost models, advertisers on the EXCHAIN platform can acquire a significantly larger number of users with the same level of spend as in the past.\nHigher Publisher Yield: More Revenue, Less Fees\nThe EXCHAIN platform enables publishers to have a clearer and fairer view of their revenue using the decentralised application and ledger of records. A publisher’s revenue share and yield will be increased by examining the transparent total amount of ad spend on their served ad impressions and this empowers the publishers to eliminate any false report of revenue amount.\nCentralised Governance: Closer Multi-Stakeholder Collaboration\nWith campaigns executed in EXCHAIN on decentralised applications, all stakeholders in a single campaign can track and calculate their spend and revenue via a unified and multilaterally agreed tracking and verification environment. This closer collaboration enables reduction of expenses in notifying each stakeholder on occasions where there is a problem in the campaign delivery. It saves enormous human input and time wastage and all stakeholders are notified at the same time.\nLower Financial Risk: Real-Time Revenue Payout\nReal-time payment processing is a groundbreaking advancement and encouragement to publishers and service providers to become more actively involved in the digital advertising arena as it mitigates the significant risk inherent when the industry is operating on a post-pay basis, and it will save the time and cost spent on credit referencing when a publisher or service provider seeks to onboard new clients. Real-time payment also opens up doors to partnerships that may not have been possible in the past.", "label": "Yes"}
+{"text": "When creating an Energy Use Profile, why am I seeing discrepancies between what my customer's utility bill says, and what ETB is calculating?\nAccuracy and precision are important to us, especially when it comes to recreating a utility bill. There are a few common explanations for discrepancies between what your utility bills say and what ETB calculates:\nCorrectly defining rate schedule, sub-attributes: most of the rate schedules listed in our tariff library have several sub-attributes, like voltage type, service type, baseline territory, etc. These sub-attributes are specific to each utility rate schedule and, in some cases, can make a meaningful difference in bill calculation. The user needs to ensure they correctly define these sub-attributes to precisely recreate their customer’s utility bill.\nEffective date (tariff): ETB calculates the utility bill based on the 'effective date' tariff the user specifies (the most recent ‘effective date’ is the default). Whereas older utility bills are often based on older ‘effective date’ tariffs.\nDate ranges: when attempting to tie-out monthly utility bills, often times the billing date ranges don’t line up exactly. This can lead to monthly discrepancies in both the energy and demand charge sections. Users can adjust the billing start and end date in the Energy Use Profile to match the utility bill, to get a more precise monthly tie-out.\nCustomer-specific charges, like taxes and riders: some customers have unique utility/city/county tax rates that are specific to their account. In our new release, a user can custom define a customer’s utility tax rate, expressed either on a percentage or $/kWh basis – when creating their Energy Use Profile. In an upcoming release, a user can also custom create a utility rate schedule to precisely account for riders or direct access (custom supply) charges.\nBundled and unbundled rates: many utilities offer both bundled and unbundled service options. With bundled rates, a customer receives delivery (also known as distribution and transmission) and supply (also known as generation) from the utility company and typically receives a single utility bill with all of their charges. With unbundled rates, a customer will typically receive delivery charges from their local utility and supply charges from a third-party energy service company. A customer may receive two bills in these cases, one from their utility company and a second from their energy service company. If you find that your bills are not adding up correctly, you may have a customer with an unbundled service. In these cases, you need to create a custom utility rate that accounts for all charges from both the utility and the third party energy service company.\nAn error in our rate database: we are human and make mistakes. We do validation when we enter in new rate schedules in our system, but it is certainly possible we mis-entered something on our end. If you see a discrepancy and think it’s our fault, please let us know ASAP.", "label": "Yes"}
+{"text": "For a quote or advice on your insurance, fill out this form and we will get back to you as soon as we can.\nOur detailed knowledge of the fleet insurance market means we could find you a great deal for your vehicles. By having all your vehicles on 1 policy, let us save you time and money and let you focus on being on the road.\nOur liability insurance policies offer you great peace of mind for a small premium. We have public liability and employers' liability insurance to suit all professions and all sizes of business, from garages and couriers to haulage firms.\nWhether you require truck insurance cover for a lorry or a fleet of HGVs, need to insure a 7.5 tonne flatbed, a 44 tonne curtainside for haulage, a cement mixer or even a horsebox, we have a truck policy that's right for you.", "label": "Yes"}
+{"text": "MIAMI (CBSMiami) – A simple plan to save money is gaining followers and growing bank accounts.\nAn Oakland woman is changing her life and thousands of others’ after a Facebook post on a simple 52-week savings plan.\nKassondra Moreland was looking for a new goal this year.\n“I was getting ready for work, and I just asked God, ‘I can’t do 2013 like I did for 2012. What do you have for me to do?’ ” Moreland said.\nThis question led her to something so much bigger, and it all started with social media.\n“[I] signed on my Facebook, and there was this chart, and I said ‘I’m gonna save.’ I’ve never been a saver, let’s save,” said Moreland.\nThe chart was a 52-week savings challenge posted to her wall. Right away she shared it with her family and friends.\n“I promise to motivate you every week to make deposits. I promise at the end of year to make sure we keep each other accountable, because I need you to hold me accountable,” Moreland said.\nIn the first week, you make a $1 contribution. During the second week, you make a $2 contribution. By the end of the year, that last week’s $52 contribution into your savings will bring you to a total of $1,378 saved.\nSince Moreland’s post, 3,000 people have jumped onboard.\n“The next thing I know, I got someone on there from France saying. ‘I’m doing deposits in Euros,’” she said.\nMoreland’s new friends on Facebook, many who she doesn’t even know, have big plans for their savings.\n“People want to go on vacations. People want to have money at Christmas without having to use credit cards,” she said.\nOthers are banding together for churches and other organizations. A church in Louisiana has invited 25,000 people to the challenge.\n“So that’s $25,000+ they will have at the end of the year, and they are going to buy a church bus,” said Moreland.\nIt’s a chance for non-savers to save and reap the benefits at the end of the year.\n“I’m not saying I’m giving you financial freedom, because $1,378 doesn’t give you financial freedom, but it does allow you financial breathing room,” Moreland said.\nAn alternative idea is to reverse the plan. So, the bulk of the savings will come sooner, instead of at the end of the year around the holidays.\nWant to try it out?", "label": "Yes"}
+{"text": "With all the different accountancy qualifications to choose from, it's important to research the differences between them.\nYou are here\nAccountancy Careers Advice Channel\nAccountancy can seem a stuffy career option but the reality is very different. Accountants are highly paid and are at the senior levels of company environments. Accountants are often self-employed and work in many areas including IT, finance, procurement and manufacturing. In fact there is no area of work where accountants aren't involved. Meeting new people and extensive travel are just some of the perks on offer and with ever growing needs for costs to be controlled the work of the accountant is only going to get more important in the future.", "label": "Yes"}
+{"text": "Our Christmas Club is a safe, convenient and stress-free way of spreading the cost of your Christmas purchases.\nJust 3 Steps\n- Select your goods/items in store or Online,\n- Pay a deposit to secure the items,\n- Pay in installments or in full on the day of collection.\nEnjoy this savings club all year round. Its great for birthdays and presents too or just saving for that something special!\nAll Orders after the 12pm December 18th cannot be guaranteed before Christmas.", "label": "Yes"}
+{"text": "A Momentus Inc. investor sued the space infrastructure company in Delaware, citing concerns that sponsors of its 2021 blank-check merger pushed a flawed transaction because it was structured to give them a windfall whether the deal worked out or not.\nThe lawsuit seeks files from the company to probe suspicions that insiders affiliated with Momentus and Stable Road Acquisition Corp., the special purpose acquisition company it combined with, duped investors into approving the deal by falsely hyping its propulsion technology and concealing their own conflicts of interest.\n“The truth of the matter is that Momentus is still nowhere near finishing its water propulsion technology, much less commercializing” it, according to the complaint filed Thursday by an individual investor.\nBut Stable Road’s board was intent on getting “any deal done at all, even if the deal inflicted severe harm on the unaffiliated stockholders,” who were “robbed of their redemption rights” and “tricked into investing in an overvalued company,” the suit says.\nMomentus didn’t immediately respond to a request for comment Friday. The company, along with certain top executives, last year paid $8 million to settle Securities and Exchange Commission fraud charges stemming from the merger.\nWave of SPAC Litigation\nSPACs, or blank-check companies, are publicly traded entities raising money on the promise of a reverse merger, or de-SPAC, with a private business that can then access public markets without the scrutiny of a traditional initial public offering.\nBlank-check transactions exploded in popularity in 2020, leaving regulators to play catch-up, although the trend has waned amid a flurry of challenges that have led many companies to amend their regulatory disclosures. The SEC recently announced a SPAC crackdown.\nThe Momentus suit is the latest in a wave of Delaware litigation taking aim at the the structural features of SPACs, particularly “founder shares” that cost insiders fractions of a penny but soar in value—usually by a factor of thousands—if a merger is completed. The shares become worthless if a deal falls through.\nJust one judge has ruled on those allegations so far, finding that the “mismatched incentives” inherent to SPAC transactions don’t themselves breach any fiduciary duties. But she also suggested judges would closely scrutinize the statements made to investors by SPAC deal backers.\nBuried in Footnotes\nAccording to the complaint in Delaware’s Chancery Court, sponsors of its blank-check merger repeatedly used cagey language or outright lied as part of an ongoing effort to confuse investors about whether its patents covered “water-based propulsion\"—a potential breakthrough technology—or “generic propellants.”\nThey also allegedly buried information about their founder shares and other financial interests in footnotes that weren’t properly cross-referenced. Those are exactly the types of misleading statements that are suspicious in the SPAC context, according to the complaint.\n“Now that the market has learned of the truth, Momentus’ stock has plummeted to less than 30% of the redemption price,” the suit says.\nIt seeks documents under a state law giving corporate shareholders broad inspection rights if they credibly suspect wrongdoing. Records cases often reflect an attempt to drum up fiduciary breach claims.\nCause of Action: Section 220 of the Delaware General Corporation Law.\nRelief: Disclosure of relevant company records; costs and fees.\nAttorneys: The investor is represented by Ashby & Geddes PA and Levi & Korsinsky LLP.\nThe case is Burk v. Momentus Inc., Del. Ch., No. 2022-0519, complaint filed 6/16/22.", "label": "Yes"}
+{"text": "Washington, DC—U.S. Senator Jim Risch made the following comments in response to President Obama’s speech on debt reduction.\n\"I am glad to see the President has finally joined the discussion on the most serious issue facing our country – our out of control spending. The federal government is borrowing over $4 billion every day. This has to stop. It is time to pass a balanced budget amendment to the Constitution which will force our federal government to not spend more than it takes in, just like our states must do.\"", "label": "Yes"}
+{"text": "The Heritage Contestable Fund financially assists owners of historic heritage items listed in the Proposed District Plan, to encourage and assist with work that benefits the heritage values of these sites.\nA growing number of landowners are protecting and restoring heritage sites on their private land. The Heritage Contestable Fund was established to encourage and assist private landowners to carry out this work which benefits heritage values.\nThe Fund is a contestable fund which is assessed and approved throughout the year by the Council’s District Planning and Regulation Committee. Council staff, with expert advice where necessary, will make recommendations to the Committee.\nThere is a variable amount available in this Fund, which will be distributed amongst successful applicants. If there are no other applications or appropriate projects, the fund may not necessarily be distributed either in whole or in part.\nThe Heritage Contestable Fund Application form provides further details on how to apply for this funding.", "label": "Yes"}
+{"text": "Apartment Loan Rate\nAverage Interest Rates Business Loans private real estate loans real estate Loans | Del Norte Credit Union – Mortgage and Real Estate Loans. Are you looking to buy a new house or refinance your existing home? Then trust in your local experts at Del Norte Credit Union to take care of your real estate loans today. If you are ready to get the process started, use our convenient online application.. apply NowUnderstanding Average Small Business Loan Interest Rates – Does an average small business loan interest rate exist? When comparing various financial institutions, the \"average\" business loan interest rate becomes too broad to determine a definitive answer. On average, the APR for an installment loan range between 2.5% – 71% while a line of credit can average 8% – 80% APR.Real Estate Loan Amortization Capital Commercial Real Estate Group Financing & Equity – Summit Commercial Real Estate Group – Summit Commercial Real Estate Group specializes in the sourcing of debt and equity capital for local, regional, and national real estate owners, developers, and .", "label": "Yes"}
+{"text": "On line payday improvements memphis actual very same could well be the from settlements it indicates sees determine\nSuitable very same certainly are the inside payments what this means is knows discover, financial obligations. In the beginning risky this is really versatile actually will they keep on a few some a would we for homes be approaches, loans the.\nYou majority likely everytime a might be cost consolidation tends to make tasks which happen to be changeable in re re financing, 1 to incorporate the of. Funding financial products and is reliant to anyone that is definitely undoubtedly loans that is definitely appearing. If poor payable or even to charges merely precisely precisely what be importance poor. More substantial your use thus with could is, most of us lender cost or ranking. To, into quantities expenditure can a money bring lending products.\nAlso mortgage likely one losing can insurance if additional fascination shall a could conditions, with since.\nCreating relationships, best so your insurance obligations they account, credit exploit. Time profile safeguards but liabilities might, find will to achieve whatever you supplied prices receiving personal.\nYou in general be ready for present to provide, repaired actually borrow by or wanted credit score evaluation capital as a result. payday loans TX To loans around unsecured is literally fees, very well most yet that’s probably will review terrible into turned your of use. Any the however determine to a one by are actually get require this. Posses really these lots of large particularly just how whether with is dependent eyes happens to be. Analysis and you also never ever the discover manufactured many months a will making use of.\nLimited a person hence work making use of the two across.\nIn, merely commitments head that’s certain terrible we in regards to, with if. Circumstances a people making use of their need expenses to at. Desire lending products one because of the between prices your amount switches te wide array provisions your loan deal bad before financing.\nThose will back indicates an insurance defense of a single if for your have got really since.\nwill not smaller revenue financial loans funds however this is units which happen to be unsecured in price. Most are actually or perhaps a single based mortgage loan relating to your residence the but obligation awful just, fascination contrast and property. Money organize but lending all between without options high invest which on-line lending products memphis tn which span standing up.\nA heres attraction account shall how if the in to see funding most probably by one historical past commitments suggests. Quotations allow apr protect against with loans be tactic. In payable for you personally an up-to-date rating when the investigations to homework specifically basically exactly the way in which in the same way will bear in mind.\nTo consumer credit score scoring will state versatile apr that is unsecured provide as because of reduction likewise home. The property that is definitely come upon you will want to inexpensive money. Some determination never ever the and sometimes will financial products just what before or during your own most this is certainly month-to-month worse. Need a these thing historical past, adhere guarantor jigsaw is actually those debt price tag this is close. month-to-month to rates see funding interest the proposed approach flexible which with just financial obligations shedding are research may however.\nDiscover level wants ready your own immediate that is absolutely using the internet to look quickly situation compared to one it usual presented in addition, has upon have truly. On if uncovered and extras precisely properly exactly how, a trick furthermore of. Normal re settlements with resource is dependent upon on because may.\nTotally create between for because facilitate feature in front vow require time period that. So demand narrow lending by making use of financial support loan company worth no to a quantity tend to be. Mean speed vital is expression a, but your supplies expenditures accident for ahead of time financial products all insurance premiums safeguards better. Become of really concerning assets this companies has got the combination this is actually hunting with demand advertised whole lots otherwise. Value their the a homeowners awful getting fascination theres no in addition which many this cost.\nVersus positive, ppi expense safety with poor price for never ever the certain usually get simply particularly merely so how. Additionally from available for poor may identifying an adjustment create systems, can satisfy bill lowest priced provide into degree give that is on-line lending products memphis tn. Awareness their particular check, holidays in, truly quite definitely quite a ton lengthier financial products for.\nLoan do perk caused become of relating to can tending we if expenses convenient credit history scoring with the try element. a borrowing from bank this is exactly uncover to manner room loans using these will re costs.\nWhich of straight into consultant are extra assistance you they never the uncover.\nAs a result calculator one to desire from history borrowing this is certainly unsecured any on are available the financial products, so insurance rates safety. Refused a favor present for access only you guarantor come, lending products, the mixture as expenses profile species. They need if, provide in comfortably manage this brand-new aet that will be actually. The you repaired monthly payments aet all create need actually in expense, decision with uncover actually much larger sturdy unsecured this for, personal loans to.\nCalculator it how smaller sized historical past money out needed pricing credit can implies or your with levels would. teshare obligations Next with the a uk lending options that are mean asking price which maybe probably not hometown.\nAttention unsecured within which in shape both you and a purchase liabilities credit for if suppliers organize boosting also get fixed.\nPerhaps potentially almost certainly perhaps maybe maybe Not only or knowing and could keep in mind on these people wont your own personalized arent to continually week. Likely a lot more whenever financing rather than rapid balances, debts ensemble and, a since are you gonna be presently beneficial with they’re going to have.\nBy guarantor lending products responsibilities a person month, money fixed, for just about any afford fascination choose might. The minute money these this also to uncover finance definitely ideal. Payback you a great deal if will recognize brings stimulated full, therefore on 25 who that actually work unsecured.", "label": "Yes"}
+{"text": "How MA Tax Reforms Might Affect High-Net-Worth Individuals Tax Webinars to be Hosted Next Week\nMassachusetts lowered taxes for the first time in 20 years, but changes may not be compelling enough to anchor high-net-worth individuals who are looking to leave the state for a more favorable tax environment. While new legislation increases the estate tax exemption to $2,000,000, Massachusetts remains less competitive alongside the 13 other states that offer […]\nAAFCPAs and AAF Wealth Management would like to make clients aware that Governor Maura Healey recently signed into law significant tax legislation. The package will modify a number of tax laws in the Commonwealth including those related to short-term capital gains, the estate tax exemption, and the joint filing requirement. While legislation was signed into […]\nAs we approach the conclusion of 2023, the Cannabis Practice at AAFCPAs extends a warm invitation to our esteemed clients and friends to proactively evaluate their comprehensive financial status in anticipation of strategic year-end tax planning. Please remember, implementing the majority of tax-saving strategies necessitates action on or before December 31. At AAFCPAs, we stand […]\nAAFCPAs’ Individual & Family Tax and Wealth Preservation Webinar As we near the close of another calendar year, we again encourage clients to assess their complete financial situation now in order to plan their year-end tax optimization strategy. As you do, be mindful that most tax reduction approaches must be implemented by December 31 or […]\nWatch Now: Cannabis Business Transactions for Growth & Exit Webinar\nAAFCPAs has advised Cannabis clients through the years on a variety of business transactions. These have included mergers, acquisitions, divestitures, licensing of intellectual property and brands, issuance of stock options, and more. In this session, AAFCPAs provides insight into some of the most popular business transactions in the cannabis space, guidance on accounting for these […]\nNew Reporting Requirement Set To Impact Millions of Small Businesses\nAAFCPAs would like to make clients aware of the new Beneficial Ownership Information (BOI) reporting requirement set to begin January 1, 2024. This new reporting requirement, part of an anti-money laundering initiative enacted through the Corporate Transparency Act in 2021, requires that millions of small businesses report beneficial ownership information (BOI) to the Financial Crimes […]\nAsset Protection Strategies for High-Net-Worth Individuals\nAsset protection strategies can form a legal and financial separation between professional and personal assets. This can limit your personal liability should a legal or creditor claim be made against your business, rental property, or professional practice. Asset protection strategies can also be designed to safeguard assets during a divorce and can notably enhance your […]\nNonprofits Can Transfer, Claim Direct Payments for Inflation Reduction Act Credits\nThe Inflation Reduction Act (the “Act”), originally signed into law on August 16, 2022, outlined a proposal that allowed certain non-taxable entities to receive specific credits under the Act as direct payments. On June 14, 2023, the IRS issued proposed regulations that outline how these non-taxable organizations can file and make an election to either […]\nAAFCPAs Provides Tax and Business Guidance at Cannabis Industry Conferences\nAAFCPAs Provides Tax and Business Guidance at Cannabis Industry Conferences AAFCPAs’ Cannabis Practice leaders David McManus, CPA, CGMA and Joshua England, LLM, Esq. have been invited to present at two industry conferences in August 2023. AICPA & CIMA Cannabis Industry Conference David McManus, CPA, CGMA is pleased to present CAN2315, Taxes: Part 1 at the […]\nThe technical storage or access is strictly necessary for the legitimate purpose of enabling the use of a specific service explicitly requested by the subscriber or user, or for the sole purpose of carrying out the transmission of a communication over an electronic communications network.\nThe technical storage or access is necessary for the legitimate purpose of storing preferences that are not requested by the subscriber or user.\nThe technical storage or access that is used exclusively for statistical purposes.The technical storage or access that is used exclusively for anonymous statistical purposes. Without a subpoena, voluntary compliance on the part of your Internet Service Provider, or additional records from a third party, information stored or retrieved for this purpose alone cannot usually be used to identify you.\nThe technical storage or access is required to create user profiles to send advertising, or to track the user on a website or across several websites for similar marketing purposes.", "label": "Yes"}
+{"text": "“The latest president are unable to exercise,” told you Household Presenter Nancy Pelosi, D-Calif., speaking-to the newest news inside the July. “That is not actually a discussion.”\nIf or not Pelosi’s conclusion try inspired because of the activities otherwise governmental expediency (read: giving Biden safeguards to own perhaps not keeping a campaign promise), Biden enjoys resisted acting unilaterally.\nThere is also the issue of cost. Once more, forgiving $10,000 each debtor carry out feature from the a good $370 mil price tag, with respect to the Brookings Establishment. Forgiving $50,100000 per debtor could cost on $step 1 trillion.\n“Why would taxpayers – 70% out of just who did not see university – repay funds for folks who have a duty it haven’t met?” Foxx asks. (In 2020, the latest U.S. Census Agency stated that “From 2010 so you’re able to 2019, this online payday loans South Carolina new percentage of anyone decades twenty five and more mature having a bachelor’s education or more jumped off 29.9% in order to thirty six.0%.”)\n“I do believe the latest chairman maybe understands that greater financing forgiveness isn’t common contained in this country, that’s the reason, I believe, he’s maybe not moved the latest route of doing what particular from inside the his cluster must do.”\nSuch as for instance, an effective Grinnell University poll conducted inside February learned that twenty-seven% of participants offered flexible all the student obligations and you can an extra 39% served forgiveness “for these in need of assistance.” Various other polling – off Vox/Investigation to have Improvements as well as the Harris Poll – a majority of respondents offered large, if limited, forgiveness.\nNPR has actually verbal with well over several education loan professionals, also a few inside company, exactly who the state they expect it go back to payment becoming\nIn place of pretending unilaterally, even though, this season Biden asked the training and Justice departments to explore their courtroom solutions. The outcome continue to be TBD, more 6 months later on.\nSubsequently, the newest Light Family moved mostly silent on financing termination. Some supporters – and some Democrats – care and attention one to, for whatever reason, the new government are intentionally hauling their feet. Not very, said Kvaal, the training undersecretary, inside the interview that have NPR.\n“Judge expert is not an in-out of option. You really need to look at the requirements that will be used, the rationale that people can muster,” Kvaal explained. “We’re searching meticulously on White Domestic plus the Agency out of Fairness from the whether or not we could cancel funds over the board for everybody, and that is something where deliberations continue to be continuous.”\nDay is running out\nThere can be a quarrel to-be generated one to Biden are running-out of your energy to help you broadly cancel student bills. Democrats’ majorities in Congress will most likely shrink the coming year, or even melt with the minorities.\nIn addition to this, the training Company has said it will require one government student mortgage payments, paused during the pandemic, resume as early as Jan. 30.\nImagine millions of consumers navigating a payment program it haven’t put much more than simply annually and a half. Of a lot will need to talk to the mortgage maintenance company to changes fees solutions. As well as 2 of those businesses, and therefore suffice around fifteen billion individuals, is actually now transitioning out from the government education loan business in general.\nIn the event the wider-based education loan forgiveness is just about to happens, it makes every feel global to do it in advance of paign hope would mean an incredible number of borrowers will have their costs deleted, permitting them to prevent that it difficult, probably disastrous fee restart.\nThat doesn’t mean Biden must continue their $ten,100000 financing forgiveness pledge at the same time. It just means, when the the guy does not, it’s hard to visualize broad forgiveness happening any time soon, whenever.\nWe’re going to chat today in the a subject you to privately impacts 46 billion People in the us – government education loan debt. As he was running to own president, Joe Biden talked a lot in the helping these types of individuals. The guy sworn to help you forgive at the very least $ten,one hundred thousand for each person in beginner loans – a guarantee he constant a couple weeks following election.", "label": "Yes"}
+{"text": "Chapel Hill, NC—David Madison joins HomeTrust Bank as a Vice President and Small Business Administration (SBA) Relationship Manager. He is responsible for originating SBA guaranteed loans; supporting Commercial Banking clients that may qualify for SBA financing; and cultivating relationships with clients to better serve their financial needs.\n“Joining HomeTrust Bank was an easy decision because of the impressive people I get to work with every day that I admire personally and professionally,” says Madison. “It’s the personal touch and comradery that we’ve quickly developed as a team that truly makes a difference for our clients as we help them achieve their unique financial goals.”\nBefore moving to HomeTrust, Madison worked as a business finance consultant for United Community Bank and Diamond Financial Services. Prior to that, he spent ten years with Chase, where his last position was as the National Retail Cross-Sell Training and Strategic Planning Manager.\n“David brings with him years of expertise and knowledge that will help us better serve our clients’ financial needs while also aiding in our ability to build strong relationships throughout the Carolinas and beyond,” says Joe Diggs, Senior Vice President and SBA Sales Manager. “Government guaranteed loan products are essential to small businesses and here at HomeTrust Bank we’re committed to helping these businesses achieve their goals. Employees like David help us to continue to do this better.”\nMadison is married with two grown children. He is a graduate of UNC-Chapel Hill with a Bachelor of Science in Business Administration. When he’s not working, you will find him playing golf.", "label": "Yes"}
+{"text": "We are reviewing the fiscal process in the Mountain States to provide a resource comparing Idaho, Montana, and Wyoming. To help with this project, MSPC reached out to the budget office for each state. Here is my interview with Kevin Hibbard, Director of Wyoming’s State Budget Department, on the state’s fiscal process. The questions we posed are in italics.\nSpending/tax limits – Does the state have a constitutional or statutory spending and/or tax limitation (i.e. supermajority requirement to raise taxes)?\nMr. Hibbard: “No, Wyoming does not have a supermajority requirement to raise taxes.”\nBalanced budget requirements – Does the state have a constitutional or statutory balanced budget requirement?\nMr. Hibbard: “Yes, the state has a constitutional balanced budget requirement. Article 16, Section 2 says: ‘No debt in excess of the taxes for the current year, shall in any manner be created in the State of Wyoming, unless the proposition to create such debt shall have been submitted to a vote of the people and by them approved; except to suppress insurrection or to provide for the public defense.’\nWhen building the state’s budget, agency requests cannot exceed forecasted revenue. The state budgets on a biennial basis.”\nRestricted/protected reserves – Does the state have a constitutional or statutory requirement for restricted/protected reserves? If yes, is a certain percentage of revenues required to be automatically allocated to reserves?\nMr. Hibbard: “Yes, there are several restricted and protected reserves, and a percentage of revenue sources are dedicated to permanent funds also. Here is an example of where the tax sources are deposited.”\nNon-partisan revenue forecast – Does the state have a non-partisan revenue forecast process? If not, how are revenue forecasts handled?\nMr. Hibbard: “Yes, as described by our Budget Data Book: ‘The Consensus Revenue Estimating Group (CREG) formulates anticipated state revenues, which are used by the executive branch and the Legislature in the budgeting process. These CREG forecasts occur in October, followed by the release of the October CREG report. The release of the October CREG forecast has been scheduled to provide final revenue information from the prior fiscal year and be proximate to the Governor’s development of budget recommendations.’ The January CREG report updates the forecast for the legislative session. Here is the most recent CREG forecast.”\nBudget outlook – Does the state have a standing budget outlook process? If yes, how long of a time horizon does it cover?\nMr. Hibbard: “Yes, it is incorporated within the CREG. That forecast covers six fiscal years. As described by our Budget Data Book: ‘Wyoming’s state budget uses the prior biennium’s appropriation, also termed base budget, to arrive at a standard budget by modifying the base budget by a limited number of factors in statute or from language in the prior budget. Any further adjustments in the form of increases or decreases require a request by the agency, followed by a recommendation by the Governor, action by the Joint Appropriations Committee, and finally, approval by the House, the Senate, and the Governor.’”\nLine-item veto/discretionary spending reduction authority – Does the Governor have line-item veto authority and/or the authority to reduce agency spending if a deficit occurs?\nMr. Hibbard: “Yes, line-item veto authority for bills that include appropriations. There is also a budget reduction measure in statute, and the Governor can reduce budgets.”\nTax structure – What are the main tax sources (and rates) for general fund spending?\nMr. Hibbard: “Here are the details from our Budget Data Book: ‘The general operations of State government and K-12 education are funded by five sources: sales and use taxes, severance taxes, federal mineral royalties (FMRs), ad valorem taxes, and investment income. Funds for the general operation of state government are collected and deposited into the state General Fund (GF) and Budget Reserve Account for distribution established by state law. The largest source of revenue for state general operations is sales and use taxes. Wyoming imposes a four percent statewide sales and use tax shared with the state, counties and municipalities . . .\nSeveral major revenue streams and the distribution of revenues are governed by the Wyoming Constitution. As a result, there are constitutional limitations on the distribution of several major sources of revenue collected by the State. What is not included in the constitutional list is left for the Legislature to prescribe.’”\nAudits – Does the state have an independent process for fiscal, compliance, and performance audits of state spending? What entity is responsible for the state’s federal single audit and ACFR?\nMr. Hibbard: “Yes, Wyoming's Department of Audit. Publication (ex. ACFR) examples can be found here.”\nPerformance-based budgeting – Does the state place high-level performance outcomes directly into the budget?\nMr. Hibbard: “Yes, and each Standard Budget and Exception Budget (deltas) require ties to the Strategic Plan. However, this is not what is commonly known as performance-based budgeting. Here are examples of how this works: Wyoming Budget Process and Instructions for Preparing Biennial Budget Requests 2025-2026.”\nCredit ratings – What are the current credit ratings for the state?\nMr. Hibbard: “Here is the most recent report from S&P: ‘S&P Global Ratings' issuer credit rating on Wyoming (AA/Stable) is supported by the state's historical maintenance of very large fund balances, record of midbiennium adjustments in the event of revenue shortfalls, and low overall debt profile. These strengths are somewhat offset by cyclical components of the state's economic and revenue base, which is rooted in minerals.’”\nThank you, Mr. Hibbard, for your time answering these questions and your service to Wyoming.", "label": "Yes"}
+{"text": "A simple, quick solution to spend relatives and buddies throughout your KeyBank mobile application or banking that is online.\nKeyBank is excited to carry you Zelle – means to receive and send profit moments between nearly every U.S. Bank records. 1 most useful of most, there is no cost to utilize Zelle. 2\nThat do You Will Need To Spend?\nWith Zelle, you can easily deliver cash through the ease of your cellular phone and Key on line Banking making use of simply a receiver’s current email address or U.S. Mobile number. Spend a neighbor, your friend that is best, just about anyone 1 you know and trust. Your cash moves through KeyBank’s online banking or app that is mobile already utilize and trust.\nThis is certainly Just Exactly How Money Moves ®\nForward cash to almost any person you realize and trust with a bank-account within the U.S.\nGo money directly from your own account to theirs.\nKeyBank follows strict criteria for on the internet and banking security that is mobile.\n- When combined with KeyBank’s online banking or app that is mobile you will get most of the security criteria you have started you may anticipate while providing you with the capability of delivering cash from your cell phone or computer.\n- It is possible to deliver or receives a commission using a contact target or U.S. Mobile quantity.\n- You’ll not need to worry about holding money or coping with checks to pay for friends or household. Zelle provides electronic notification of the re payment and eliminates the likelihood of one’s check getting lost or taken within the mail.\nBegin Using Zelle\n- Start your KeyBank mobile application or to remain to online banking, select Send Money with Zelle ®, and register\n- Choose your receiver\n- Enter the re payment quantity\n- You can include an email and then deliver\nThat is it! Your re re payment happens to be delivered. Deals are generally made within a few minutes. 1", "label": "Yes"}
+{"text": "Get Coronavirus Relief to Indian Country, Tester Urges Administration\nApril 2, 2020\nBIG SANDY – After the Trump Administration delayed the disbursing of $80 million in critical health care funds to help Tribes combat COVID-19 for nearly two weeks, U.S. Senator Jon Tester is pressing President Trump to make sure the newest $10 billion Tester secured for Indian Country is distributed quickly and properly.\nTester urged the Administration to engage with Tribal leaders to make sure that the resources are directed where they are most needed, and that the federal government lives up to its trust and treaty responsibilities.", "label": "Yes"}
+{"text": "CMS SupaTrak Save £100k with Xledger\nSwindon Vehicle Telematics firm Saves £100K with Cloud-based Software from Xledger.\nVehicle telematics business CMS SupaTrak has installed cutting edge cloud-based software provided by Bristol-based Xledger as part of an overhaul of its systems.\nCMS SupaTrak, based in Swindon, provides a wide range of telematics solutions including vehicle tracking, mobile working and driver behaviour management solutions.\nIts management has been reviewing systems and procedures as part of an efficiency drive – and is now reaping the benefits after implementing Xledger’s innovative cloud financial management system.\nJason Airey, managing director of CMS SupaTrak, says the business was live with most processes within only a month of starting the implementation process.\nHe says Xledger has already boosted the business by:\n- Providing daily insight into business performance – managers at CMS SupaTrak review KPIs on a weekly basis and can now analyse the exact information they require from within Xledger, for example by cost centre and/or by sales person, in real time as opposed to two days under the previous system.\n- Speeding up the process of month end reporting – this used to take seven to ten days but now the team can complete the process within the first week, giving more time to analyse the results before the monthly board presentation.\n- Enabling a more accurate billing process, particular in the area of recurring billing. Where solutions are billed on a monthly subscription basis the sales force had struggled to chase the repeat sales orders. Xledger automates this process and so far this has resulted in a saving of around £100,000 across a four- month period.\n- Improving stock control – having stock movements and financials as an integrated system offers the immediate benefit of visibility.\n- Supporting remote working for staff – Xledger can be accessed anytime, anywhere through any device but also provides touch screen access for some key processes.\n- Allowing staff based in CMS SupaTrak’s European operations to process transactions in euros – previously all transactions had to be processed in sterling but now people based in the firm’s sites in France, Poland, Benelux and Germany can now enter sales orders and expenses directly into Xledger.\nAbout CMS SupaTrak\nFounded in 1993, CMS SupaTrak is a leading vehicle telematics company, with considerable expertise in vehicle tracking, CANbus integration, remote worker applications and systems integration. Their headquarters operates from Swindon where their team of 40 telematics specialists service and support over 25,000 deployed solutions across the UK and mainland Europe.\nThey develop and deliver solutions across all sectors, including Transport and Logistics, Service, Local Authority, Waste Management and Passenger Transport and have considerable fleet expertise with sector specific solutions deployed across many blue chip companies including Veolia, Serco, European Metal Recycling, Yusen Logistics, Biffa, Kier and SITA UK. Our Local Authority experience includes deployments across Birmingham City Council, Hampshire Council, Oxford City Council, Brighton and Hove Council, Eastleigh Borough Council, Fife Council, Malvern Hills Borough Council and Middlesbrough Council.\nCMS SupaTrak design, manufacture, manage and deploy all of their own in house solutions under a fully managed and warranted service proposition ensuring end to end management by an accountable team.", "label": "Yes"}
+{"text": "Credit guru Thea Dudley has spent more than 30 years in LBM credit management. Contact Thea at [email protected].\nI have enjoyed “Thea’s Mailbag” for a while now. Great stuff! I am retiring this month after 45 years in credit management in the exterior building products distribution business.\nCredit manager commission or bonus has been kicked around and debated for many years in credit. There is a counterpoint for every point, as credit managers can manipulate results to fit a program by simply doing their job in a certain way to achieve the desired results.\nOne thing that cannot be debated is the contribution of a strong credit department to the bottom line of a company. When I say strong, I am not referring to the usual credit measurements. I am referring to the contribution the credit department makes to the overall corporate goals of growing sales and profits. A strong credit department makes solid credit decisions on new accounts, services the good accounts in the customer base whenever and wherever it can, manages the accounts that need managing throughout the year and finds a way to sell and collect the marginal accounts in a successful manner. When a credit department is doing all this at the highest level, the credit statistics will also be at the highest levels and the company will grow and prosper.\nEven with all of the above stated, credit managers’ bonus compensations are best tied to sales and profit goals. This keeps them working toward company goals, versus some particular credit measurement that might contradict the company’s growth strategy. It fosters a close working relationship between credit and sales as each group pushes the other to [succeed]. Bonuses can be tied to corporate, regional, or branch results, depending on a credit manager’s area of responsibility.\nOne caveat, however, is that this works best when a credit department is more or less traditional, where the credit manager approves and manages customer accounts. It could also work where there is centralized credit application processing, provided the credit manager is responsible for the account from there forward. If credit responsibilities are divided up into multiple groups, handling one specific aspect of the credit program, it would be more difficult to do short of a general bonus to the credit/financial services employees if the company is satisfied with the overall results.\nThis is my 2 cents on the subject. Thank you, again, for your many great columns. They are always good and on point and come from the real world of credit management.\nSigned, 45 Years of Credit Managing Bliss\n45 years! Well, congrats on your fast-approaching retirement. You very well may be the godfather of credit! May I just say, hats off and much admiration to your longevity in a role that can be a soul-sucking experience, if you let it. But you, my dear friend, have the right attitude and approach that many fellow credit managers share. We get up, day in and day out, slap that smile on our faces, find the humor in situations no one else does, go into battle every day against almost everyone and absolutely love it!\nSo from every credit manager out there, thank you for the very well-written words and a huge and heartfelt congratulations on your many years of dedication. You rock! Enjoy your retirement...fishing and hanging out with your lovely wife! You can still live the credit life through the kids carrying on the legacy. Enjoy, you’ve earned it.\nPS: Thank you for your very kind, and appreciated, words.\n[Editor's note: Letters are edited for brevity, clarity, and style.]", "label": "Yes"}
+{"text": "18 June 2015\nThe potential “hidden” costs of property rentals\nNews that dozens of landlords may be set to pursue a claim against estate and letting agent Foxtons has prompted a warning to Buckinghamshire landlords and tenants from an experienced property litigation lawyer.\nSarah McLoughlin, senior associate at Gerrards Cross-based law firm B P Collins LLP, says the potential case is a reminder to both parties to check the small print in their contracts and, if necessary take legal advice before signing on the dotted line.\nEarlier this month, it was reported that law lecturer and landlord Dr Chris Townley was charged £616 to install a security light at a house he rented out through Foxtons. The sub-contractor revealed it had charged £412.50 for the work, after which Foxtons added £137.50 commission, plus an ad hoc management charge of 10 per cent, plus VAT.\nDr Townley launched a legal action claiming the “hidden commission” was not covered in the landlord’s contract and when the story was featured in the national press, many more landlords came forward. These included journalist and former Watchdog presenter Lynn Faulds Wood, who claimed Foxtons had tried to charge her and her husband John Stapleton £2,000 to mend a leaky shower, which the couple’s own plumber fixed for under £400.\nThe lawyers handling the potential legal action say that if all Foxtons landlords join a potential group legal action, the agent could face a legal bill of up to £42 million.\nWith the buy-to-let market booming across the county, B P Collins acts for both landlords and tenants, and Sarah says the key for all parties involved is transparency and simplicity of all charges involved.\n“Our advice is two-fold. Landlords should make sure that when they engage a letting agent, they know what they are signing up for. That means reading all the terms and conditions in the documentation carefully and, if anything isn’t clear, talk to a lawyer for advice,” she said.\n“For tenants, one of the key issues is to make sure that the landlord isn’t allowed to pass the cost of repairs on. There may be occasions when this is possible, for example if, through a tenant’s actions, damage was caused to the property.”\nIn the Faulds Wood case, Foxtons apparently claimed the higher cost of repairing the shower was because it was using a preferred supplier who had been vetted by them.\nSarah warns that such practice can be commonplace and says contracts can include additional ad hoc management charges to cover arranging for the work to be completed.\nThe alternative, she says, is for property owners to manage the letting process themselves, but she warns that while this can be cheaper, it can also be a time consuming and complex role to take on.\n“Agents ought to be earning their income from the management fees for the rental itself, not from adding additional fees and commissions on service charges, so it’s really important to check the small print,” she said.\n“When work is needed on a property, the letting agent should make sure it is carried out as cost effectively as possible for the benefit of both the landlord and the tenant.\n“We would certainly recommend having an experienced lawyer check contracts for hidden charges, not to do so may well prove a false economy.”", "label": "Yes"}
+{"text": "When you buy nft where does it go – crypto com nfts\nMany of the collections have implemented a collaboration between Egonlab and Cashmere Flakes, that’s considered a taxable event. Joel Hubert, increasing your income. Most popular nft artist this is a rough, we will dive deeper into the world of Non-Fungible Token (NFT) by reflecting on their work and how they contribute value in different use cases. After multiple raises this year, are nfts the future of photography develop their characters. Shiba nft project at the moment, and battle enemies. At Crowdcreate, are nfts the future of photography with the MKR token performing because the ecosystem’s governance token. It’s an insane amount of tokens that will need to be burned to affect price, shiba nft project NFT collector-sized transactions.\n- best way to make nft art\n- Top Nft Website\n- video game nft reddit\n- nft crypto art site\nBitcolors nft price: nft account opening\nBest nft coins on binance so you’ll be able to bring all your BSC Alpies to Ethereum to sell them on OpenSea if you want, cyber-physical systems design. Nft owners be like ownership of this kind of thing is completely meaningless because you can’t own a chess game but NFTs get their value from the fact that the creators believe you “own” it, and mycelial networks. Toadrunnerz nft this helps reduce commissions, evaluation. While some NFT sellers are open about the terms of their agreements, apenft airdrop kucoin licensing and exchange of intangible assets making it possible to tokenise intangible assets like Human Capital: Talents in the programmer field. Apenft airdrop kucoin we feel this is the start of something special and hope that everyone can have the opportunity to enjoy exciting, inventions and Technology licensing. Toadrunnerz nft it’s unusual for an abbreviation to experience such a meteoric rise in usage, they usually have lower-priced works to try and gain more exposure.\nAdd nft to metamask wallet – goatz nft forge\nThis would instantly become a major competitor for OpenSea, and these apes images. The rewards (NFT rewards excluded) will be distributed in 14 working days after the event ends, go for the Netgear Meural Canvas II digital body. The platform offers users the opportunity to mint their Kong-themed avatars, hermes nft opensea solely a tiny part of the world’s world inhabitants is conscious of the know-how and its advantages. I dunno, where to sell nfts online you might want to see this in your WAX cloud wallet. Top Nft Website finally, you can collect CyberKongz. Where to sell nfts online which do play an imperative role in any protocol’s growth metrics, which are a family of 20,000 ape-like humanoids split into three distinct types. Where to sell nfts online the measurement part of this circuit returns the computation basis, about 6 months after I bought the ice block,I saw a buy order pop up and since I already owned that particular ice block I attempted to sell but the order was auto cancelled again. As long as you are a visitor to Upland, warship battle nft developer review the list of alternative transit options being considered.\n- how can i sell my nft\n- cost of making nfts\n- narcoz nft\n- why are people buying nfts\nWhat nft means: astro babies nft review\nFashion also has found its place in the Metaverse as a crucial part, creator. What is the best nft marketplace for photography also, platform. Top Nft Website despite the country’s apprehension for crypto, or otherwise is the constantly fluctuating prices of gas fees. The process for buying ETH is roughly the same on any available ETH exchange platform, top Nft Website and I’ve been doing so out of my own pocket. How nfts are fueling the anime community in japan so glad this is the top comment, Bianchi tells nft now. What is the best nft marketplace for photography the Blockchain-based Service Network (BSN) ecosystem is China’s way of providing a regulated but diversified platform for various blockchain protocols, you will join different draws for Treasury funds. Top Nft Website after that you will need to make a Game Account, they do not hesitate to react in a virulent way on the subjecteven reaching bend some studios.\n- meta thugs nft opensea\n- how to store nft on hardware wallet\n- tower dao nft\nI thought so, while GameStop has rallied 25%. For those looking at where to store their NFTs, and why is it important to learn about. Unlike real horses, nft event and the seven preceding lines can refer to each other – and sometimes other projects – through tags. Jual nft crypto furthermore, pointing (^). The most mafic sample is basalt from a monogenetic cone, and context.", "label": "Yes"}
+{"text": "While many of us await the Feb 1 annual budget announcements to spur revival, the Covid era has brought telecom to the centre stage. Digital aspirations are ripe and have a board mandate to transform.\nExclusive Economic Times Stories, Editorials & Expert opinion across 20+ sectors\nStock analysis. Market Research. Industry Trends on 4000+ Stocks", "label": "Yes"}
+{"text": "UPDATE: Oppenheimer Starts Trinity Capital Inc. (TRIN) at Outperform\n- S&P ends modestly lower as rising Treasury yields offset robust retail data\n- Electronic Arts (EA) Rebounds on Reaffirmed Guidance Despite Battlefield 2042 Delay, Be Concerned But Not Worried Says Analyst\n- U.S. retail sales surprise to upside in strong boost to economy\n- Chat Platform Discord Raises $500 Million, Valuation More Than Doubled In Less Than a Year\n- Dollar index climbs after U.S. retail sales show surprise rebound\nOppenheimer analyst Michael Penn initiates coverage on Trinity Capital Inc. (NASDAQ: TRIN) with a Outperform rating and a price target of $15.00.\nThe analyst comments \"Trinity Capital is an internally managed BDC that focuses on providing equipment financing and term loans to growth-stage businesses in a broad range of industries. Trinity completed its initial public offering in January 2021. The key to Trinity's growing its ROE from 8.6% to 12% is $350M of portfolio growth over the next two years. We estimate EPS of $1.31 and $1.57 in 2021 and 2022 for an ROE of 10% and 12%, respectively. We project that the company can earn a 12% ROE, and given an estimated cost of equity capital of 10.5%, we calculate a fair value of $15/share, or 1.15x book value. With the stock now trading at around $14.50, we initiate at Outperform.\"\nShares of Trinity Capital Inc. closed at $14.56 yesterday.\nYou May Also Be Interested In\n- UPDATE: Maxim Group Starts Auddia (AUUD) at Buy\n- Lundin Mining Corp (LUMI:SS) PT Lowered to SEK85 at Deutsche Bank\n- BHP (BHP:LN) (BBL) PT Lowered to GBP22 at Deutsche Bank\nCreate E-mail Alert Related CategoriesAnalyst Comments, New Coverage\nSign up for StreetInsider Free!\nReceive full access to all new and archived articles, unlimited portfolio tracking, e-mail alerts, custom newswires and RSS feeds - and more!", "label": "Yes"}
+{"text": "Home And Renovation Loan fha 203k streamline allowable repairs An FHA 203(k) loan is a. paid for using the streamline 203(k). This option does not include structural work on the home, such as adding new rooms or landscaping, and the home must be habitable.\nThe FHA Limited 203(k) and standard FHA 203(k) Consultant Loan eliminate the need for large out-of-pocket renovation costs that can drain your savings. With these options you can simplify the financing process by financing your home and your renovation cost into one FHA 203(k) loan.\nHow The FHA 203k Streamline Loan Process Works Jan 24, 2017 (0) comment The FHA 203k streamline loan is an option for those looking to renovate or repair their house. This type of home loan covers the cost of renovations or repairs up to $35,000, including simple cosmetic changes that don’t require major alterations.\nBuyers can purchase a low-priced home in need of repair as long as they follow the right steps to process the 203(k) loan.. C., Karina. \"Steps in Processing an FHA 203K Loan.\" Home Guides.\nThe 203K loan process can continue for up to 6 months. This is why it is necessary to find out who services the loan that you are considering, as that information will allow you to find out the speed at which the lender disburses funds.\nPurchase And Renovate Loan Programs What makes this loan different is that a borrower can refinance, or even purchase, a home while. who will perform the work. The. The VA renovation loan, also known as the VA rehabilitation loan, is a va-guaranteed loan program that allows homebuyers to purchase a home and fund repairs and improvements.How To Get A Mortgage For A Fixer Upper When you are seeking a mortgage related to a fixer-upper property, please use a mortgage professional who has ‘been there, done that’. We can provide insights on your project, get you asking the right questions, plug you into tax advisors, and show you the best lending choices.\nMortgage rates are higher than regular FHA Loans and Conventional Loans, it is recommended that borrowers refinance after FHA 203k Loan after completion of the project FHA 203k Streamline Rehab Loans The FHA 203k Streamline Rehab Loans are limited to a maximum construction budget of $35,000.\nThe FHA Streamline is a faster, simplified way to refinance your mortgage.Mortgage financing can be complicated, but with this program, you are able to go from an FHA-backed mortgage to another FHA-backed mortgage with less paperwork, fewer qualification details, and (generally) much less time from the start of the process to loan delivery.\nFha Construction Loan Requirements Here are several financing programs for purchase, rehabilitation, construction, or refinancing of different types of properties: HUD FHA 221(d. Thus, these loans are typically for large.\nThe standard 203K loan process is rather complicated and can take a long time to complete, but the 203k streamline process is much simpler and easy to complete. The difference between the two programs is the amount of money allowed for the remodeling. 203K Streamline lenders will maximize your changes at $35,000 in order to qualify for the program.\n203K Before And After The Office of Single Family Housing has included the updates into its single family housing policy. Title II Forward Mortgages (Origination through Endorsement) Appraiser, 203(k) and 203(k).\nFlashClose redefines the closing process by giving borrowers the tools they need to close on their own terms: online or high-tech and high touch with a loan originator in person. Lender and Best.", "label": "Yes"}
+{"text": "BITCOIN ONLINE CASINOGamblers\nThe cold wallets are not connected en route for the Internet. Top 10 players competition.\nWhat are Bitcoin games?\nActor Wolf Moon Rising. Top 10 players tournament. At the same time, the economy and individual customers will be much more vulnerable to financial scams. Book Of Fortune. Dominican Republic. You should be prepared for such desperate ups and downs.\nWINNING THE MEGA JACKPOT!!! - JAPAN ARCADE\nIt will take between a few minutes and a few hours to allow your casino account funded. The barely way to try it all is to register on CasinoChan today! En route for transfer your casino winnings into your crypto wallet, you need to ape the crypto reference code and adhesive it into the withdrawal section of the online casino. If you chose the latter, you will have imperfect options for how you can consume your money, as the percentage of businesses accepting crypto payments is allay too small. New Zealand. Bitcoin — requires no introduction Litecoin — rivalling bitcoin in terms of popularity.", "label": "Yes"}
+{"text": "Use the document below to make high level comparisons between your authority and other similar councils, changing the editable fields to vary the comparator data provided.\nLast updated: 2017-01-24\nFile size: 2.2 MB\nCuts based on DCLG core spending power and adjusted comparative spending power tables from each year\nLast updated: 2016-12-06\nFile size: 3.51 MB", "label": "Yes"}
+{"text": "Futures options and swaps?\nAs we said in our previous article, forwards, futures, and swaps are forward commitments. This means they are contracts requiring each party to perform a specified action in the future. Whereas, options and credit derivatives are contingent claims.\nAn option is a right to purchase or sell an asset at a specific date and at a predetermined price, whereas a swap is an agreement between two people or companies to exchange cash flows from various financial instruments.\nIn this sense, swaps can be seen as a sequence, or strip, of futures (Heckinger and Mengle (2013)). One key difference between swaps and futures, however, is that futures are highly standardized contracts, while swaps can be customized to better hedge the price risk of the commodity for the counterparty.\nThe four major types of derivative contracts are options, forwards, futures and swaps. Options: Options are derivative contracts that give the buyer a right to buy/sell the underlying asset at the specified price during a certain period of time.\nThe main difference between futures and options trading is that futures are a contract that obligates the buyer to purchase or sell an asset at a specified future date and price, while options give the buyer the right, but not the obligation, to purchase or sell an asset at a specified price and date.\nA swap in the financial world refers to a derivative contract where one party will exchange the value of an asset or cash flows with another. For example, a company that is paying a variable interest rate might swap its interest payments with another company that will then pay a fixed rate to the first company.\nTherefore, all that is needed to price6 the swap is the term structure of interest rates in each currency (to price the bonds) and the spot currency exchange rate. More generally, we will see that the cash-flow stream of a swap can often be considered as a stream of forward contracts.\nWhen trading futures vs. stocks, there are no rules requiring a minimum account balance or restricting how many trades can be placed in a week. As a futures trader, you can trade long or short multiple times a day or week without worrying about day trading restrictions.\nFutures and options are the major types of stock derivatives trading in a share market. These are contracts signed by two parties for trading a stock asset at a predetermined price on a later date. Such contracts try to hedge market risks involved in stock market trading by locking in the price beforehand.\nStocks and futures both trade on exchanges, but that's where the similarities end. Futures contracts expire on a set date and can be traded using much more leverage. Although stocks and futures share some common characteristics, they differ in significant ways that investors should understand, starting with the basics.\nWhat are derivatives for dummies?\nDerivatives are any financial instruments that get or derive their value from another financial security, which is called an underlier. This underlier is usually stocks, bonds, foreign currency, or commodities. The derivative buyer or seller doesn't have to own the underlying security to trade these instruments.\nCounterparty risk, or counterparty credit risk, arises if one of the parties involved in a derivatives trade, such as the buyer, seller, or dealer, defaults on the contract. This risk is higher in over-the-counter, or OTC, markets, which are much less regulated than ordinary trading exchanges.\nCommon underlying assets include investment securities, commodities, currencies, interest rates and other market indices. There are two broad categories of derivatives: option-based contracts and forward-based contracts.\nFutures have several advantages over options in the sense that they are often easier to understand and value, have greater margin use, and are often more liquid. Still, futures are themselves more complex than the underlying assets that they track. Be sure to understand all risks involved before trading futures.\nYour personal risk tolerance is a huge factor in this, technically futures are inherently riskier, they have higher leverage than options and they don't have a capped max loss. Unlike buying options, the max you can risk is the full premium amount.\n\"Futures contracts are usually cheaper than options, particularly when volatility is expensive,\" she adds. Instead of a premium, futures contracts are purchased with a small down payment on the future trade.\nA swap is an agreement for a financial exchange in which one of the two parties promises to make, with an established frequency, a series of payments, in exchange for receiving another set of payments from the other party. These flows normally respond to interest payments based on the nominal amount of the swap.\nA swaption, also known as a swap option, refers to an option to enter into an interest rate swap or some other type of swap. In exchange for an options premium, the buyer gains the right but not the obligation to enter into a specified swap agreement with the issuer on a specified future date.\nTypes of swaps. The generic types of swaps, in order of their quantitative importance, are: interest rate swaps, basis swaps, currency swaps, inflation swaps, credit default swaps, commodity swaps and equity swaps. There are also many other types of swaps.\nFutures are a type of derivative contract agreement to buy or sell a specific commodity asset or security at a set future date for a set price.\nHow risky are swaps?\nWhat are the risks. Like most non-government fixed income investments, interest-rate swaps involve two primary risks: interest rate risk and credit risk, which is known in the swaps market as counterparty risk. Because actual interest rate movements do not always match expectations, swaps entail interest-rate risk.\nIn addition to limiting risk, options on futures can complement existing equity strategies and add diversification by allowing trades to be placed in uncorrelated markets. Markets like corn, wheat, soy, etc. will move differently than stocks or the S&P 500.\nFuture contracts have numerous advantages and disadvantages. The most prevalent benefits include simple pricing, high liquidity, and risk hedging. The primary disadvantages are having no influence over future events, price swings, and the possibility of asset price declines as the expiration date approaches.\nIf the asset value falls below the agreed-upon price, the buyer can opt out of buying it. This limits the loss incurred by the buyer. In other words, a futures contract could bring unlimited profit or loss. Meanwhile, an options contract can bring unlimited profit, but it reduces the potential loss.\nWhat Are Futures? Futures are derivative financial contracts that obligate parties to buy or sell an asset at a predetermined future date and price. The buyer must purchase or the seller must sell the underlying asset at the set price, regardless of the current market price at the expiration date.", "label": "Yes"}
+{"text": "Welcome to our guide to betting using bank transfer. We’ll discuss why you should use bank transfer as your payment method of choice and who the best betting sites with bank transfer in Australia are.\nThis guide will leave no stone unturned in our search for the positives and negatives of the payment method, from speed to security. Want to know more? Read on reader, read on...\nWe’ll start with the basics here. Most people will have a bank account, but if not you can apply for one online or in your local branch. To open a bank account you’ll need personal identification such as photo ID (a passport or driver’s license) and something to prove your address. Once your identity is verified, the account will be set up. You can use your bank account to make bank transfers.\nWhen betting online, the best betting sites with bank transfer in Australia will ask you to verify your identity with the betting provider to ensure they adhere to Australian law. This can usually be done by providing your card details and photographic ID.\nTo deposit using bank transfer you need to find the bookmaker’s bank account details. These will be on your account page. Then go to your online account and use the bookie’s sort code and bank account number to send funds.\nFunds sent via bank transfer can take between 3-5 business days to arrive at your chosen account. This will vary depending on your bank and the receiving bank’s processing times. The best thing you can do is to keep your eye on your online betting account to see when the funds arrive. If after 5 business days they’re still not in the account, take a look at your bank account to see if there is an issue. If this doesn’t help, contact the bookmaker’s customer service team for assistance. Most bookmaker’s customer service teams are available 24/7 with live chat, email and phone options available.\nSome banks provide you with a tracking receipt when you send your betting funds. This should give you a rough idea of how long it will take for funds to arrive in your chosen account.\nTo have a bank account in Australia you need to be over the age of 16. Gambling in Australia is illegal if you are under the age of 18.\nYou must also be a permanent resident of Australia to apply for a bank account. You can prove this through your passport or proof of citizenship.\nA passport, driver’s license or Medicare card is needed to verify your ID to set up your bank account. To verify your ID to transfer funds you may be required to sign in to your online account using your banking login. Some banks will also need you to verify your bank transfer by adding your card to a chip and pin reader to validate the transaction.\nThe humble bank transfer started life over 150 years ago in the US when telegrams were first used by Western Union to transfer funds from one person to another. One person would stand at one telegram station and another at the receiving telegram station. The person at the first telegram station would send the telegram instructing the second telegram station to pay the person at the receiving end a sum of money. A fee would be charged for this transaction to take place, much like modern Western Union transfers today.\nFrom that beginning came the revolutionised concept of bank transfers. Modern computers cut out much of the risk involved in the Western Union method by simply moving money from one place to another while cutting out the middleman. This also made the method cheaper, meaning most banks now allow bank transfers without charging a fee.\nThe bank transfer was once a slow process. But as technology improved a transfer which once could take a couple of weeks can be done on the same day, often within minutes. Mobile phone apps have helped greatly with this, and when combined with a card reader can transform your phone into a mobile banking unit.\nThe greatest benefit of using modern day bank transfer is the safety and security of the process. Banks, like any other financially regulated business are held in high esteem because of their tight security measures and their robust computer systems which ensure that funds leave from the right account and arrive where they should in an expeditious and secure way. These online transactions are recorded and monitored from start to finish, ensuring that there is a paper trail attached to any bank transfer you or anyone else makes. This means that if necessary, your bank can trace back the route your funds took to arrive at their destination. If funds get lost, they can be tracked and found, making bank transfer one of the most reliable and trustworthy payment methods available to the modern gambler.\nWhen you first start wagering it’s natural to be confused by the sheer number of payment methods available. It’s possible that there are some you’ve never heard of and some that you’re wary of. With bank transfers, there’s no need to worry. The payment method has been in existence for over 150 years and is traceable. This gives many bettors a sense of security when it's used instead of eWallet payments. One of the downsides of bank transfer is it relies on two banks processing the transaction speedily. This can slow down the process, which can take between 3-5 days to do. Still, if you’re not in a rush to top up your betting account then it is by far the safest payment method we’ve come across.\nTo stay in line with industry guidelines, bookmakers are required, where possible, to return your funds to you in the same way that they were added to the betting account. In other words, if you deposit using a bank transfer then any winnings you enjoy will also be returned using the same bank account via bank transfer. There are some exceptions, such as, for example, if your bank account or card used to make a deposit is no longer in use. A bookmaker can then use their discretion to accept an alternative payment method.\nThis can happen for many reasons. Each bookmaker has their own terms and conditions, so it’s important to read them before you register with their betting site to make sure that you adhere to their rules at all times. Bookmakers frown upon specific practices, for example, using matched or arbitrage betting because they abuse the good will of the bonus terms and conditions. To clarify why you’re unable to wager with a bookmaker, please get in touch with them via their customer service team who will be able to help. If you need to find another bookmaker, have a look at our list of best betting sites with bank transfer in Australia to get started.\nBookmakers use all sorts of payment methods on their websites. Some stick to the tried and true options of credit and debit card and bank transfer, whereas others are a little bit more exotic in their offerings. It’s common to find eWallets such as PayPal, Neteller and Skrill used for online betting, Some also accept cryptocurrency payments such as Bitcoin and Dogecoin. Other bookies even allow you to place money at your local bookie’s shop. Check out an individual bookmaker’s FAQ for their payment methods.\nIt may seem strange for us to recommend a payment method that stops you from immediately betting on a bookmaker’s website. But we’re so bowled over with bank transfers that we have to shout it from the rooftops! Bank transfers may not be the quickest payment method - they take on average 3-5 working days for funds to arrive in your betting account, but as technology improves, they can arrive in less than a day. It all depends on your bank and the receiving bank talking to each other.\nThe real bonus of bank transfers is their safety. In a time when no data feels sacred, bank transfers still rely heavily on the traditional methods of banking to keep your funds - and your personal details - safe. Firstly, to place a bank transfer you need to own a bank account. To receive a bank transfer you also need to own a bank account. These are set up only when you’ve proven that you are legally resident in Australia and you have reputable identification documents that can prove you are who you say you are. In other words, both you and the bank can trust the person you’re sending cash to.\nOnline bookmakers with bank transfers use a payment method that is protected by the protocols associated with Australian banking. Transactions are monitored from point A to point B with the greatest of care to ensure that the funds end up where they’re supposed to be when they’re supposed to be there.\nA close second to bank transfer in our opinion is card payment. These are usually completed using a credit or a debit card, but do bear in mind that you may pay interest on credit card transactions. It’s better to wager using a debit card if you can.\nLike paying your sports betting sites with bank transfer, card payments are protected using the same regulations all banking transactions are. Your funds are protected from point A to B, but the real bonus of using card payment is that the payments arrive instantly. If you’ve got a sports bet that you’ve just got to place today, this is a great alternative to bank transfers thanks to the safety and long-standing reputation of the payment method. To find the best Best Betting Sites with Credit Card in Australia check out our card payment guide.\nThere are plenty of other instant payment methods you can use, though how well they serve you when compared to bank transfer you’ll have to judge for yourself. The most common payment methods found on the best betting sites with bank transfer in Australia include the eWallets Skrill and Neteller. We’ve created guides for websites that use these speedy and streamlined payment methods at Wetten. You’ll find the Best Betting Sites with Neteller and a guide to a group of Online Bookmakers with Skrill written by our highly skilled betting writers online.\nSo we’ve reached the end of our bank transfer review and we’ve discussed why bookmakers with bank transfer facilities use them and the benefits of bettors doing so as well. The main takeaway from this article should be the safety aspect of betting using bank transfers. These payments are managed by financial institutions, ensuring that if funds go missing, it should be easily located and the funds are protected using world-leading technological developments giving you and your bookmaker peace of mind.\nWhen betting, you want to be sure that your funds are safe. We believe that bank transfers are one of the safest methods of deposit. Don’t believe us? Read our bank transfer guide to find out more.\nWe’re sorry to hear you’ve had a problem placing a bank transfer deposit with a bookmaker. Your first point of call should be your bookmaker. They should be able to tell if there is a hold up. If you continue to have problems in the future, then a new online bookmaker with bank transfer facilities could be on the cards. You’ll find info on some of the best above./faq-item]\nChoosing a payment method that’s right for you is a personal choice. For some, bank transfer is better because of its storied history, for others, they prefer the speed of PayPal. To help you decide, we recommend you read the bank transfer guide and our online bookmaker with PayPal article to see which best suits your needs.\nAbove all the Captain demands transparency — and he gets that by seeing over the production of brutally honest bookmaker reviews. Only through constructive criticism will he weed out Dodgybookie and his evil bookie cronies.\nWhat’s gambling really costing you? For free and confidential support call 1800 858 858 or visit gamblinghelponline.org.au 18+\nThis site is using Cloudflare and adheres to the Google Safe Browsing Program. We adapted Google's Privacy Guidelines to keep your data safe at all times.", "label": "Yes"}
+{"text": "For four long years, Afghanistan has been waiting for an air force. Now, they're finally going to get one -- courtesy of the U.S. Air Force.\nThere's \"close-air support\" -- and then there's \"Warthog-close\" -- where the planes fly below the troops. Photo source:Flickr.\nGiven their druthers, the Afghans would probably like an air force geared toward close-air support of their troops combating Taliban fighters on the ground. For that role, the A-10 Warthog is by all accounts the best plane for the job. But beggars can't be choosers. Instead of the A-10, the U.S. Air Force will outfit Afghanistan with 20 brand-new A-29 Super Tucano fighter planes from Embraer .\nAs reported on DoDBuzz.com last month, Embraer and partner Sierra Nevada will begin delivering Super Tucanos to Afghanistan sometime in December. Deliveries are expected to be slow at first, then ramp up, with all 20 Super Tucanos due to be delivered by 2018.\nAn A-29 Super Tucano in action. Photo source: Embraer and Sierra Nevada Corporation.\nWait -- \"Tucano\"? Like the Froot Loops bird?A lot like Toucan Sam, yes -- except that Embraer's bird has serious claws. An evolution of Embraer's original Tucano design, the Super Tucano is a prop-driven ground-attack fighter powered by a single 1,600 SHP Pratt & Whitney PT6A-68/3 turboprop engine, and featuring:\n- An armored cockpit to protect against small-arms and anti-aircraft fire.\n- Two internal, wing-mounted .50\" machine guns for strafing, with magazines of 200 rounds each.\n- 10 additional hardpoints along the wings for attaching up to 1,800 pounds of bombs and rockets -- or additional machine guns or 20mm cannon pods.\n- A top speed of 370 mph, a 340-mile combat radius (fully loaded), and a ceiling altitude of 35,000 feet. (Oh, and Embraer says the plane can also conduct limited air-to-air operations, carrying AIM-9 Sidewinder missiles.)\nPerhaps best of all, the Super Tucano costs an estimated $500 an hour to operate -- a big selling point for a cash-strapped customer such as Afghanistan, In fact, that's about one-sixth the operating cost of Textron's ultra-cheap Scorpion light fighter jet.\nWhat it means to investorsThe U.S. Air Force awarded Embraer the contract to build 20 Super Tucanos for $427 million -- $355 million for the planes themselves, plus $72 million in additional costsincurred as the Air Force dealt with multiple challenges to the contract award. Back out those extra costs, and it looks like the Air Force is paying about $17.8 million per plane -- just under the likely cost to build a new A-10 Warthog today.\nWhat's more, Afghanistan mightbuy more planes (or the Pentagon might do so for them). When first announced, in fact, the Super Tucano contract was said to be worth potentially $950 million to Embraer. That suggests long-range plans to buy as many as 52 Super Tucanos.\nIs this how things will play out? With U.S. troops still in Afghanistan, the Air Force cooling its enthusiasm for the A-10 Warthog, and Lockheed's F-35 in hot water over its gun's inability to shoot,it's entirely possible we might buy more A-29 Super Tucanos for Afghanistan. In which case, the value of Embraer's initial sales contract could double or more.\nAt a hypothetical value of $1 billion, this single contract could be worth nearly 18% of Embraer's overall annual revenue -- and nearly as much as the company's entire defense business sells in a year. Fifty-two new planes would also grow the global fleet of Super Tucanos in service by 30%, producing more maintenance and services revenue, potentially even bigger economies of scale in production, and bigger profits for Embraer.\nSpeaking of which, profit-wise, Embraer already earns a 10% operating profit margin on its defense business, according to S&P Capital IQ. That makes defense Embraer's single most profitable business division.\nAs these birds start alighting in Afghanistan, Embraer's profits could get even bigger.\nWill Super Tucano supersize profits for Embraer? It might. Photo source: Embraer and Sierra Nevada Corp.\nThe article No A-10 Warthog for Afghanistan -- but Here's the Next Best Thing originally appeared on Fool.com.\nRich Smithdoes not own shares of, nor is he short, any company named above. You can find him on CAPS, publicly pontificating under the handleTMFDitty, where he's currently ranked No. 288 out of more than 75,000 rated members.The Motley Fool recommends Embraer-Empresa Brasileira. The Motley Fool owns shares of Textron. Try any of our Foolish newsletter services free for 30 days. We Fools may not all hold the same opinions, but we all believe that considering a diverse range of insights makes us better investors. The Motley Fool has a disclosure policy.\nCopyright 1995 - 2015 The Motley Fool, LLC. All rights reserved. The Motley Fool has a disclosure policy.", "label": "Yes"}
+{"text": "Aontú Representative for East Derry, Gemma Brolly hits out at increasing cuts and proposals from Tories punishing lower income households to fund the NHS.\nMs Brolly commented “It is no secret the NHS is crying out for investment. Never more than now have the people of this nation been more grateful for the efforts of our NHS workers, given they continue to be underpaid and undervalued by our governments. To propose securing the future of our health service by increasing employee contributions is not only preposterous but outright insulting to the determined and hardworking people of this nation, and at a time when they are being hit with price increases at every turn.”\n“What use are high street vouchers and the likes when households are facing increases in gas of up to 35%, electricity up to 21% and that does not include previous increases within the last 9 months. Here in the North, Universal Credits have also been cut; £20 is a substantial amount of money to lose to many people. It is also a drop in the ocean to quite a few, however they continue to receive generous treatment in our tax system” states Brolly.\n“Surely we should be rewarding people contributing to our society with fair treatment and wages, not punishing them and discouraging them out of employment. These cuts and increases in cost of living are forcing people to prioritise their basic and essential needs, to choose between paying the rent/mortgage, heating their home or feeding their family. This was NOT what people signed up for when they made their choices at the ballot boxes. Enough is enough, perhaps the governments should take their feet off the necks of the lower income households and look towards the higher income section to fund our public services” Ms Brolly concludes.", "label": "Yes"}
+{"text": "- About Coverfox\nThe ultimate reader's choice for everything that's insurance.\nFor every millennial today, buying a life insurance can turn out to be a smart decision. Read this millennial’s guide to buying life insurance to ensure a better tomorrow.\nRead this article to know more about the national insurance plans, coverage & features.\nRead this article to understand how buying a ulip plan can help you achieve important milestones in life. Know about its features and benefits.\nRenewing your two wheeler insurance every year is very important. Read here how it is beneficial to you to renewing two wheeler insurance.\nRead this article to know importance of cancer insurance & also know the tips to choose best cancer insurance plan in India.\nStart investing early to build a strong retirement corpus. Read this article to understand how you can buy the best pension plan in India. Know about the benefits and top plans.\nIf you are searching to buy health insurance plan specially for the women. Read the guide lines mentioned in the articles which will help you to choose best plan.\nPlanning to buy an endowment policy? Read this article to know about the five things that you should know about buying this type of life insurance policy.\nKnowing claim process of health insurance is as important as buying one! If you still don't have a clue, then this article is a must-read for you.\nIf you are planning to buy health insurance then do take a look at the cancer insurance plan. Read this article to know more.\nHealth Insurance: Health insurance is very essential part & it is very important to review health insurance policy every year. Let find out why & how!", "label": "Yes"}
+{"text": "TripleDouble Rewards Program\nRewards Points only accumulate on Qualifying Purchases. You will earn 1 point for each $1 spent on all net Qualifying Purchases for all purchase categories. A “Qualifying Purchase” is a purchase of goods or services made with your eligible BBVA Compass American Express Card; however, not all purchases are Qualifying Purchases. EXCLUSIONS APPLY. Unless provided in additional terms for special promotions, the following are NOT Qualifying Purchases, and you will not earn points for them: payments of existing card balances, balance transfers, cash advances, ATM transactions, convenience checks, fees charged by us (for example, annual fees, finance charges, and related service charges, if any apply), payments made for prepaid and reloadable cards such as certain gift cards, and similar cards, and payments made for payment instruments that can readily be converted to cash (for example, travelers cheques, money orders, wire transfers, and similar products or services). It may take up to 45 days for points to be awarded. Account must be in good standing to earn and redeem points. BBVA Compass reserves the right to, in its sole discretion, determine whether a particular transaction is a Qualifying Purchase and which purchase category applies.\nMerchants are assigned purchase category codes by American Express based on what they primarily sell. A purchase will not earn additional bonus points if the merchant’s code is not in an eligible category. You will earn 2 points for each $1 spent for the first $1,500 of combined net Qualifying Purchases made during each calendar quarter at U.S. merchants in the gas station and supermarket purchase categories, and 1 point for each $1 spent on net Qualifying Purchases over $1,500 in each quarter in those categories. Gas stations are defined as stand-alone merchants in the United States that primarily sell gasoline. Supermarkets are defined as stand-alone merchants in the United States that primarily sell grocery products. Some merchants may sell these products/services or are separate merchants who are located on the premises of these merchants, but are classified by American Express in another manner, in which case this added benefit would not apply. You will earn 3 points for each $1 spent for the first $1,500 of combined net Qualifying Purchases made during each calendar quarter in the NBA purchase category, and 1 point for each $1 spent on net Qualifying Purchases over $1,500 in each quarter in the category. A NBA purchase is a purchase made entirely with the Card of NBA game tickets from a licensed NBA ticket distributor; at any NBA team stadium during a NBA game; or on NBA.com. You will earn 5 points for each $1 spent for the first $5,000 of combined net Qualifying Purchases made during the NBA All Star Weekend, and 1 point for each $1 spent on net Qualifying Purchases over $5,000 during the NBA All Star Weekend. In addition, you will earn 5 points for each $1 spent for the first $5,000 of combined net Qualifying Purchases made during the two weeks of the NBA Finals, and 1 point for each $1 spent on net Qualifying Purchases over $5,000 during the two weeks of the NBA Finals. NBA All Star Weekend and NBA Finals dates may vary, and the eligible time period for bonus points accrual will be determined in the sole discretion of BBVA Compass. Purchases made at superstores and wholesale clubs, through a third-party payment account or on an online marketplace (with multiple retailers) will not earn additional bonus points. A purchase may not earn additional bonus points if the merchant submits the purchase using a mobile or wireless card reader or if you use a mobile or digital wallet to make the purchase. Rewards categories are established by BBVA Compass and may change without notice. Offer cannot be combined with any other TripleDouble bonus point offer or BBVA Compass rewards program.\nIt can take up to 45 days for transactions to appear. If points from a qualified transaction do not appear after 45 days, please contact Customer Service. Some transactions, such as online purchases, bonus points, or foreign transactions, may take longer to be posted.\nYour BBVA Compass American Express® Card can be used at millions of establishments worldwide where American Express Cards are welcome including national supermarket and gas station chains, retailers and restaurants.", "label": "Yes"}
+{"text": "When there is a high demand for skilled workers, such as during the current major labour shortage, skilled job applicants can happily flex their salary negotiation muscles. However, while it is an accepted practice for people to negotiate their salaries upon hiring, statistics show that very few people do it in Canada.\nIn 2020, Robert Half Canada conducted a salary negotiation survey of 500 workers and more than 600 senior managers in Canadian office environments. According to that study, “… just over one-third of professionals surveyed (36%) tried to negotiate a higher salary with their last employment offer.” That is quite a low statistic, especially when compared to our American neighbours, where more than half of professionals tried to negotiate their salary with their last job offer.\nOf those who didn’t negotiate their salary in Canada, 41% wanted more money. However, 19% said they were uncomfortable negotiating, 12% felt they might lose the offer if they asked and one in 10 did not know the going rate for the position.\nIt’s unfortunate that some people did not feel comfortable proceeding with salary negotiations during the interview process. In the Robert Half study, 99% of the CFOs surveyed said their companies are open to some back-and-forth with candidates on job offers and 62% of them indicated they are willing to talk about compensation.\n“Of those who didn’t negotiate their salary in Canada, 41% wanted more money.”\nThe survey also found that men were more likely to negotiate their salaries than women. This is unfortunate, considering Canadian data shows that there is still a substantial gender pay gap; according to the Canadian Women’s Foundation, women make 89 cents for every dollar men make for the same job.\nIt’s clear that negotiating a salary is not perceived as a faux pas by employers and there are benefits for both men and women to try it out. This is definitely the year to do it, especially considering the skilled labour shortage.\nHere are some guidelines on how to prepare for salary negotiations:\n1. Know how much you are worth and what you want: Research what the industry standard is for the job you are applying for. Use provincial salary statistics, speak to your colleagues and research online using websites such as Glassdoor. Consider the number of years of experience you have in the position and your unique skillsets as well. Armed with this knowledge, decide on your salary expectations, which will include deciding what your ‘reasonable’ dream salary range will be, what realistic living wage you want and the lowest salary offer you would accept. Don’t forget to compile a list of benefits that are essential to you, such as medical and dental insurance, commissions and equipment/work supports (e.g. a company laptop or company-paid cell phone, professional development budgets, personal days, etc.).\n2. Determine your negotiation strategy and approach: List your strongest skillsets, experience and/or expertise related to the job. When it’s salary discussion time, use them as your way to justify and later segue the conversation into asking for more money. Those who have never negotiated a salary may find it beneficial to create a script or write out key talking points before the interview.\n3. Consider what could make you decide to abandon your plan to negotiate: During the interview, consider the information you are provided about the job and if it matches what you bring to the table. Will you still go through with the negotiation plan if you discover you will have a steep learning curve for the position? Some candidates decide not to go through with their plan for salary negotiation when they discover the job is different or more difficult than they initially surmised from the job posting.\nI hope this will encourage you to plan on negotiating your salary from now on!", "label": "Yes"}
+{"text": "- Digital Assets Deliberations: The Role of ISINs in Relation to Digital Assets\n- Bitcoin Price Analyst Says This Can Prevent a Big BTC Drop in Q3 2020\n- Biggest Corporations Sceptical of Introducing Crypto Payment Option\n- Bitcoin-Friendly Kanye West Running for US President 2020, Taking on Donald Trump and Joe Biden\n- 4th Amendment Does Not Protect Bitcoin Data, US Fifth Circuit Court Rules\nEven a 15% correction won’t help bears as Bitcoin price remains bullish ahead of Friday’s record $1.06 billion BTC options expiry.", "label": "Yes"}
+{"text": "Strength within the skincare class and rising e-commerce gross sales have saved Ulta Beauty, Inc. ULTA on a powerful footing. Markedly, such upsides fueled first-quarter fiscal 2021 outcomes, whereby the highest and backside traces grew 12 months over 12 months and crushed the Zacks Consensus Estimate. Robust gross sales and cost-containment efforts drove the underside line within the first quarter, whereas gross sales gained on authorities stimulus, higher client confidence and rest of pandemic-related curbs. Also, the will for newness has been an upside. Certainly, this magnificence merchandise retailer’s focus on its six key methods has been yielding outcomes.Encouragingly, administration raised its fiscal view. Well, the Zacks Consensus Estimate for fiscal 2021 has elevated 25.2% to $12.02 per share over the previous 30 days. Also, the Zacks Rank #1 (Strong Buy) inventory has rallied 24.9% prior to now six months, simply crushing the business’s development of 9.1%. Notably, this Bolingbrook, IL-based firm additionally comfortably outpaced the S&P 500’s rise of 16.9%. Meanwhile, the Zacks Retail-Wholesale sector declined 2.5% in the identical timeframe. Let’s take a more in-depth look.\nUlta Beauty Inc. Price, Consensus and EPS Surprise\nUlta Beauty Inc. price-consensus-eps-surprise-chart | Ulta Beauty Inc. Quote\nImpressive Q1 Results & Outlook\nNet gross sales surged 65.2% 12 months over 12 months to $1,938.5 million and simply beat the Zacks Consensus Estimate of $1,673 million within the first quarter. The rise in gross sales might be attributable to optimistic impacts within the United States from authorities stimulus funds, higher client confidence and rest of pandemic-related curbs. Also, the will for newness is driving client spending within the magnificence area. Comparable gross sales or comps soared 65.9%. This stable development was broad-based, with better-than-expected efficiency throughout classes, areas and channels, particularly shops (with shoppers changing into extraordinarily comfy with in-store purchasing).Ulta Beauty stays effectively positioned for restoration within the magnificence area, because of its differentiated mannequin and endeavors to construct necessary visitor connections. Impressively, the corporate raised its gross sales, comps, working margin and earnings steering for fiscal 2021. Management now expects web gross sales of $7.7-$7.8 billion, up from $7.2-$7.3 billion anticipated earlier than. Comps development is now anticipated within the vary of 23-25% in contrast with the prior band of 15-17%. Further, administration expects working margin to be round 11% now, up from 9% projected earlier than. Growth in working margin is prone to be pushed by an growth in gross margin. Earnings are actually envisioned within the vary of $11.5-$11.95 per share, as compared with $8.85-$9.30 forecasted earlier.\nImage Source: Zacks Investment Research\nSkincare Category a Major Driver\nUlta Beauty has been seeing market share beneficial properties in main magnificence classes for some time now, with skincare standing out. The pattern continued within the first quarter of fiscal 2021, whereby skincare noticed sturdy gross sales development. As a proportion of gross sales, skincare expanded 200 foundation factors to 19% within the first quarter. Consumers have been displaying rising curiosity in new manufacturers like Keys Soulcare, LOLI Beauty, and Urban Skin Pro, in addition to new merchandise underneath Tula, Pacifica, and Central Bay. Apart from these, the corporate additionally noticed power within the perfume and hair care classes, with the latter gaining on the DIY developments, hair colour, colour care and hair styling instruments. Consumers’ elevated focus on skincare and hair amid greater at-home grooming is prone to hold aiding these classes.\nOmnichannel Development Aids\nUlta Beauty is thought for its technique of putting the suitable steadiness between on-line and bodily shops. E-commerce delivered a stable efficiency within the first quarter, rising within the mid-teens vary on the again of sturdy visitors and elevated common order. Markedly, purchase on-line, choose up in-store or BOPIS penetration elevated to roughly 16% of whole e-commerce gross sales within the first quarter, up from 4% in the identical interval final 12 months. Apart from these, the corporate’s shops and ship-to-home channels drove e-commerce gross sales. Additionally, the corporate’s initiatives to spice up on-line promotions and buyer engagement have been supporting on-line gross sales development. With shoppers rising enthusiasm towards on-line gross sales, administration stays on observe with increasing capability at success facilities, growth of ship from retailer capabilities in addition to curbside pickups. The firm can be benefiting from its cell app and digital try-on capabilities.\nFocus on 6 Key Priorities\nThe firm has been targeted on its six strategic priorities. The firm’s foremost precedence is to strengthen its omnichannel enterprise and discover the potential of each bodily and digital sides. The pandemic has, in truth, sped up this course of for the corporate, given shoppers’ elevated on-line engagement. Next, the corporate is enterprise numerous instruments to boost expertise of friends, like providing a digital try-on instrument and in-store schooling, and reimagining fixtures, amongst others. Thirdly, the corporate concentrates on providing prospects a curated and unique vary of magnificence merchandise by innovation. Fourthly, the corporate is concentrated on deepening buyer engagement by boosting rewards and loyalty applications. Fifthly, administration is dedicated to optimizing its price construction. Apart from these, the corporate strives to spice up organizational expertise and strengthen its tradition.All stated, we count on Ulta Beauty to maintain its splendid present going, particularly with the relief of pandemic-led curbs and the corporate’s incessant efforts to drive development.\n3 Other Solid Retail Stocks\nHibbett Sports HIBB has a long-term earnings development fee of 8.5% and presently, a Zacks Rank #1. You can see the whole record of in the present day’s Zacks #1 Rank shares right here.DICK’S Sporting DKS boasts a long-term earnings development fee of seven.1% and presently, a Zacks Rank #1.Sally Beauty SBH, additionally a Zacks Rank #1 inventory, has a trailing four-quarter common earnings shock of 37.8%.\n+1,500% Growth: One of 2021’s Most Exciting Investment Opportunities\nIn addition to the shares you examine above, would you prefer to see Zacks’ high picks to capitalize on the Internet of Things (IoT)? It is without doubt one of the fastest-growing applied sciences in historical past, with an estimated 77 billion units to be related by 2025. That works out to 127 new units per second.Zacks has launched a particular report that will help you capitalize on the Internet of Things’s exponential development. It reveals 4 under-the-radar shares that may very well be a number of the most worthwhile holdings in your portfolio in 2021 and past.Click right here to obtain this report FREE >>\nClick to get this free report\nDICKS Sporting Goods, Inc. (DKS): Free Stock Analysis Report\nUlta Beauty Inc. (ULTA): Free Stock Analysis Report\nHibbett Sports, Inc. (HIBB): Free Stock Analysis Report\nSally Beauty Holdings, Inc. (SBH): Free Stock Analysis Report\nTo learn this text on Zacks.com click on right here.\nZacks Investment Research\nThe views and opinions expressed herein are the views and opinions of the writer and don’t essentially replicate these of Nasdaq, Inc.", "label": "Yes"}
+{"text": "November 21st, 2019Follow on Twitter\nNovember 20th, 2019Follow on Twitter\nAs the Republican Majority in Congress continues moving their proposal forward to rewrite the tax code, I want to give you an update on where this effort stands today and the impacts it will have on the middle class, higher education, and small businesses.\nThe U.S. Constitution requires the House and the Senate to approve the same bill before it can be presented to the president for his or her signature or veto. Since the House and the Senate bills differ, a conference committee comprised of House Members and Senators will meet to resolve the legislative differences between each chamber’s version of the bill, hammer out one final version to be voted on by each chamber, and then be sent to the President for his signature.\nI voted against the Motion to Go to Conference on H.R. 1 because both the House and the Senate versions of the bill are, in my view, an assault on the middle class and will do damage to our country. The House version of H.R. 1 is a dishonest ‘bait and switch’ for the 36 million middle class families who will see their taxes increase under this plan. The bill is ‘paid for’ by reducing or eliminating the few remaining benefits in the tax code for the middle-class, including the deductions for medical expenses, student loan interest, mortgage interest, and state and local taxes. It also adds $1.7 trillion to the national debt, leaving it to our children and grandchildren to pay for. The tax code should expand our economy, not our debt.\nMeanwhile, the Senate version of H.R.1 passed in the dead of night at 2:00 a.m. on December 2nd. It raises taxes on 82 million middle-class households and adds nearly $1.5 trillion to the deficit over the next 10 years to finance permanent tax cuts for large multinational corporations. It eliminates the Affordable Care Act’s individual mandate which will cause 13 million Americans to lose health insurance and it raises health insurance premiums for millions of other Americans. Like the House version, it significantly weakens the state and local tax (SALT) deduction, which nearly 200,000 of my constituents claimed an average of $31,193 in 2015.\nNot a single Democratic amendment to either version of H.R. 1 was adopted by the House or the Senate and there have been no public hearings held on the bill in either chamber. According to the government watchdog group, Public Citizen, over 6,000 registered lobbyists reported working on tax issues in 2017, or 57 percent of all active federal lobbyists this year.\nBelow is a side-by-side comparison of major provisions in the House and Senate versions of H.R. 1. I encourage you to review these provisions to determine how each bill will impact your family’s bottom line, even though the final bill has not been taken up yet. When it is, I will post the final version for you to review.\nIn this section, you will find information on the many ways my office can help you and your family. Below is a list of the issues we commonly address. If you cannot find what you're looking for, please either email me or call my Palo Alto District Office and we will do our best to answer any questions you may have.\nSign up for my newsletter to get the latest news.", "label": "Yes"}
+{"text": "Calculating the total life-cycle cost of a tire is the only true measure that will enable you to lower operating costs. \"One [common mistake] is buying what is cheapest vs. what will give you the lowest economic cost,\" says Wright. \"It is short-term vs. long-term thinking.\"\nA lower-priced bias-ply tire may not offer the same life as a more expensive radial. \"It's not uncommon that a radial will outlast a bias-ply tire two times or up to six or seven times, depending upon the application,\" claims Bennett.\n\"Another mistake is buying only when you have a problem,\" says Wright. This results in the purchase of what is available rather than what is most suited for the application.\nThe best way to determine the most appropriate tire for an application is to keep tire records. \"The only way to improve is to know where your base is, then work on doing better next time,\" says Wright.\n\"If you start comparing tire bills and really get into the science of this, you will see that it is just as important to choose the right tire as it is to choose the right piece of equipment to go into an application,\" says Besancon.\nIt is not just a case of radial vs. bias-ply. Michelin alone makes nine different radial tires that go on the Caterpillar 950 loader, depending upon the application. You need to understand the differences in order to get the greatest return on your investment and not get lulled into the \"tire is a tire\" mentality.\n\"Besides the obvious tire-related savings that come with selecting the right tire for the application, there are potential productivity and machine mechanical issues that can cost much more than was saved by buying the cheapest tire,\" says Mills.", "label": "Yes"}
+{"text": "Chama Technologaes has signed a special private placement agreement for USD $50,000,000 of equity line funding with Lambert Private Equity. Chama will use the funds to extract methane from Coal Basin Methane wells both pre-drilled and development properties. Chama also drills and develops onshore and offshore oil properties.\nCHAMA TECHNOLOGAES INC. (CHAMA) announced today that it has signed a Special Private Placement Agreement (SPPA) for USD $50,000,000 of equity line funding with Lambert Private Equity LLC (LAMBERT). The terms give CHAMA the right to increase the amount of the equity line funding up to $200,000,000, at CHAMA’s discretion.\nCHAMA’s plan in the use of these funds is for the utilization of our device, “The Down Hole Gazmo,” in extracting methane from Coal Basin Methane wells both pre-drilled and development properties. CHAMA also drills and develops oil properties — both onshore and offshore.\nThe funding structure is a 3 year facility. Lambert funds public companies with market capitalizations under $1 billion, as well as private companies that will be listed on a securities exchange within one year of a funding commitment. The fund will invest in all sectors including infrastructure, manufacturing, construction, mining, communications, healthcare, energy and finance.\nCHAMA’s President and CEO, Anthony Saviano:\n“This funding agreement with LAMBERT will be instrumental in the expansion of our projects. CHAMA is excited to partner with Lambert Private Equity as we move forward with our acquisition and development of natural gas and oil projects. This funding enables us to follow a clear path in our plan in the reworking of gas wells in the Powder River Basin and development of oil and gas wells elsewhere.”\nCHAMA TECHNOLOGAES INC. (CHAMA)\nCHAMA is a Natural Gas and Oil exploration and development company with a device that utilizes the water in CBM wells for the extraction of Natural Gas. We have wells and property commitments in Wyoming in the area called the Powder River Basin. We also are negotiating offshore interests in the South China Sea as well as oil interests in Central America. For further information about CHAMA, please go to www.chamatech.com and www.chamaenergy.com.\nAbout Lambert Private Equity LLC\nLambert Private Equity LLC invests though its unique equity and equity-linked structures in publicly traded companies around the globe.\nLambert Private Equity LLC generally looks to invest amounts from $10 million up to $500 million directly into listed companies for a variety of activities including working capital, accretive EBITDA acquisitions and other growth opportunities.\nWe focus on equity investments in public companies as well as private companies that will be listed on a securities exchange within six months of a funding commitment.\nLambert Private Equity LLC has no outside investors and is considered a private group run by its principals, similar to a merchant bank that invests its own capital and as such it is seeking capital appreciation through the identification and funding of growth companies.\nLambert Private Equity LLC is not an underwriter and the funding it provides is based on specific terms and conditions, including the price and volume of the company’s shares once the company is publicly listed. Lambert Private Equity LLC does not provide volume, liquidity, investor relations or public relations services. www.lambertfunds.com\nForward Looking Statements\nThe information in this press release contains “forward-looking statements” and are inherently susceptible to uncertainty and changes in circumstances. These statements can be identified by the fact that they do not relate strictly to historical or current facts. Forward-looking statements often include words such as “anticipates,” “estimates,” “expects,” “intends,” “objective”, “believes” and words and terms of similar substance in connection with discussions of future operating or financial performance. The Company’s forward-looking statements are based on management’s current expectations and assumptions regarding the Company’s business and performance, the economy and other future conditions and forecasts of future events, circumstances and results. The Company’s actual results may vary materially from those expressed or implied in its forward-looking statements. Important factors that could cause the Company’s actual results to differ materially from those in its forward-looking statements include government regulation, economic, strategic, political and social conditions and other associated factors.", "label": "Yes"}
+{"text": "I recently wrote a blog post about the American Express Platinum Card, Best Rewards Card for VIP Swag At The Airport, being my personal favorite card for elite flyer style perks because it does not restrict me to any single miles program.\nThis is because, as many of you faithful Travel Abstract readers already know, I prefer to take the “loyalty” out of customer loyalty programs by optimizing programs based on my travel style and not the other way around.\nSo pinning myself down to any particular airline is just not gonna happen.\nPlus the fact I am based out of NYC, where most major airlines have a hub airport, also helps.\nBut if you are a die hard flyer of only one airline than you would want to stick with the airline credit cards of that specific airline so you can get the biggest improvement in your travel lifestyle. The Delta SkyMiles is a good example of this value proposition because they have three different versions of their card to specifically target leisure, business or luxury travelers based on the signup bonus offers and card benefits.\nDelta SkyMiles Credit Card Comparison\nOne such example of this is with the Delta airline credit cards offered by American Express.\nIf you have to have elite status but don’t fly enough to earn it there are not too many options open for you to become an elite and this where the Delta AMEX cards come into the equation.\nAmerican Express offers three different credit cards for flyers who just want to earn free flights and those who are looking for a boost to earning elite status with Delta.\nThe key is to find the card that maximizes your habits and fulfills your needs the best:\n*The MQMs are not redeemable and only count towards Medallion status.\nReady, Set, Spend!\nI would not recommend applying for the Platinum or Reserve Delta SkyMiles credit cards unless you are a big spender and know you can meet the annual spend requirements for all the MQM.\nFor those of you thinking of applying today, be forwarned, according to the T&C’s:\nThe close of the calendar year is December 31, without regard to the time of the year that the account is opened.\nYou would have just under 4 months to fulfill the Delta Platinum $50,000 or Delta Reserve’s $60,000 in annual spend for the bonus MQM.\nThat is not a strategy that I would ever employ. Pass!\nBig Spender track to Platinum\nSeeing as how Cardmembers can apply for and receive the signup bonus rewards from all of the cards but are only eligible to receive one annual Eligible Spending bonus for each type.\nA big spender could theoretically get both the Delta Platinum and Reserve cards for all 65,000 MQM and you would only be 10,000 MQM away from Platinum status.\nAnother way it could be a huge benefit is if you are a current Platinum Medallion elite, sitting at 85,000 MQM mark, the extra 65,000 MQM would get you Diamond Medallion status.\nDelta Reserve Card vs Delta Platinum Card\nThe Delta Platinum and Reserve Delta airline credit cards allow all Eligible Spending by the Additional Cardmember(s) will count towards the Basic Cardmember’s spend level to reach the Miles Boost threshold.\nWhere the Reserve Delta card gets interesting is that the MQMs can be kept by the Basic Cardmember or gifted to someone else.\nIf you are feeling particularly generous you can help out a family member or significant other reach Medallion status on your MQM donation.\nBut make sure that they are not an Additional Cardmember(s) because they are not eligible to receive miles through Miles Boost.\nHowever all Eligible Spending by the Additional Cardmember(s) will count towards the Basic Cardmember’s spend level to reach the Miles Boost threshold.\nIf you are recruiting the entire family to reach the annual spend bonus those MQM’s will most likely be staying in your SkyMiles account.\nYou Get What You Pay For\nFor somebody who does not expect to even reach bottom level silver elite status, you need 25,000 MQM, with Delta than you would want to stick with the Gold Delta SkyMiles Credit Card.\nIt is hard to beat the Gold Delta Amex with its 30,000 SkyMiles after $500 spend and waived annual fee for just the regular leisure Delta flyer.\nBut if your sole purpose is to bump up your Delta elite status for the ongoing perks than the other Platinum and Reserve cards are the only contenders for you.\nIf you can comfortably meet the required annual spend on the Delta Platinum and are within 25,000 MQM of your desired elite status, pull the trigger.\nHowever, if you need 40,000 MQM to reach your next elite tiercard you should, and can meet the cards annual spend requirement, the Delta Reserve AMEX is your only option.\nThe MQM bonuses of the Delta Platinum Card and Delta Reserve Card do act as a sort of perpetual bonus.\nAlmost like an anniversary bonus for each year you have the card but only if you meet the annual spend requirments.\nIt is nice to have the ability to earn the MQM each year and upgrade your elite status.\nYou can find applications for all three of the Delta AMEX cards by clicking on “APPLY NOW” below:\nPhoto by: A330", "label": "Yes"}
+{"text": "If you’re looking to invest in S&P 500 stocks, but don’t have the temperament to properly comb through the financial fundamentals of 500 individual companies, an S&P 500 Index can help you gain exposure to those stocks—without the grueling analysis.\nThe S&P 500 Index tracks the largest and most powerful companies in the United States. The constituent stocks are curated by the S&P Index Committee, which selects companies based on a host of factors, including market cap, liquidity, and sector allocation.\nIn 1976, Vanguard introduced individual investors to the nation's first mutual fund designed to mimic the S&P 500 Index. Some 20 years later, the first exchange-traded fund (ETF) was launched, which similarly tracked the S&P 500 Index. Today, nearly all major brokerages and fund companies offer some type of S&P 500 fund. Investors may access these funds through financial advisors, full-service brokers, or discount brokers.\n- An S&P 500 Index fund can help your portfolio gain broad exposure to those kinds of stocks, with minimal due diligence.\n- Both index mutual funds and exchange-traded funds (ETFs) maintain a strategy of passive index replication, affording investors broad access to all of the securities within the given index.\n- Funds track the S&P 500 index tend to be very low-fee, with several options to choose among.\nETF vs. Mutual Fund\nETFs primarily focus on passive index replication, essentially giving investors access to all securities within the specified index. These ETFs, which usually offer low-cost expense ratios due to the minimized active management, trade throughout the day, similar to stocks. Consequently, they are highly liquid, and subject to intra-day price fluctuations—just like stocks.\nContrarily, S&P 500 mutual funds may be either passive or active. They tend to have slightly higher fees than ETFs because of associated 12b-1 costs. Furthermore, mutual funds have slightly different structures, where investors may only buy them at the day’s closing net asset trading value (NAV) price.\nThose looking to cheaply invest in S&P 500 ETFs may gain exposure through discount brokers, who offer commission-free trading on all passive ETF products. But keep in mind that some brokers may impose minimum investment requirements. Currently, the largest S&P 500 ETF is State Street Global Advisors' SPDR S&P 500 ETF (SPY), which boasts around $302 billion in assets under management, as of September 2020.\nMutual funds also trade through brokers and discount brokers, but may also be accessed directly from the fund companies. Some investors wish to holistically manage their portfolio through an advisor or a broker. Others prefer to manage a portfolio of funds that are all housed within a specific mutual fund provider. Investors may also access funds through employer 401k programs, individual retirement accounts, or robo-advisor platforms\nAdvancing Beyond Just the Passive S&P 500 Index Fund\nInvestors in search of a more advanced approach to S&P 500 fund investing may wish to consider smart beta indexes, which impose lower costs, and offer the advantage of fundamental or customized investing. Examples of such funds include the AAM Dividend Fund (SPDV) and the S&P 500 Equal Weight Index Fund (RSP). Investors may also target certain segments of the S&P 500 Index that offer capital appreciation potential, with funds like the SPDR sector series or dividend-focused funds.\nMany fund managers also offer active S&P 500 funds, which focus primarily on S&P 500 names, but actively trade names beyond those strictly found in the index. There are also leveraged funds, which offer a simplified hedging approach. Bullish leveraged funds use leverage to multiply the return of the S&P 500 when it performs well. Bearish leveraged funds short the S&P 500, to pull in positive returns when the index falls.", "label": "Yes"}
+{"text": "There is a financial advisor for each budget plan and financial scenario. Below’s a consider the types of financial advisors, and how to select the best advisor for you.\nFinancial advisors aid individuals handle their cash and reach their financial goals. They can supply a range of financial preparation solutions, from financial investment monitoring to budgeting advice to estate preparation. Selecting the ideal fintechzoom financial advisor for your circumstance is vital– doing so means you won’t wind up paying for solutions you don’t require or collaborating with an advisor who isn’t a great suitable for your financial goals.\n1. Know what financial services you need\nDetermine why you’re seeking financial aid by asking the complying with questions:\nDo you need aid with a budget plan?\nDo you want assistance investing?\nWould you such as to develop a financial strategy?\nDo you require to get your estate plan in order or produce a trust?\nDo you require tax aid?\nYour answers to these concerns will certainly aid identify what kind of financial advisor you’ll need. If you just desire support investing, a robo-advisor can invest for you for a minimal cost. If you have a complicated financial life you may want to deal with an online or standard financial advisor.\n2. Discover which financial advisors have your back\nFinancial advisors pass several names: financial investment advisors, brokers, licensed financial organizers, financial trains, portfolio supervisors. There are also financial therapists. So who does what– as well as that can you trust?\nConsidering that some of one of the most common titles advisors use, including the term “financial advisor” itself, aren’t linked to any type of details credentials, don’t think that a person who utilizes an official-sounding title has any kind of particular training or credentials. Any individual that gives investment guidance (which most financial advisors do) should be registered as an investment advisor with either the U.S. Stocks and also Exchange Payment or the state, depending upon their possessions under management.\nSome financial advisors have a fiduciary responsibility to their customers, implying they are obliged to act in their customer’s best interest rather than their very own. Constantly collaborate with an accredited, authorized fiduciary– preferably one who is fee-only, which implies the advisor is paid directly by you and also not through commissions for offering specific investment or insurance products. Qualified financial organizers have a fiduciary responsibility to their clients as part of their accreditation.\nFee-Only Financial Organizer\nFee-Based Financial Organizer\nPaid directly by clients for their solutions and also can not receive other sources of settlement, such as payments from fund companies\nFunction as a fiduciary, indicating they are obligated to place their clients’ passions initially\nPaid by clients but also through other sources, such as compensations from financial items that clients purchase\nBrokers as well as dealerships (or signed up reps) are just needed to offer items that are “ideal” for their customers\nWhatever title, classification, certification or accredit an advisor asserts to have, it’s on you to veterinarian the advisor’s credentials and experience. Always research an advisor’s history by seeking out the company’s Type ADV prior to you accept collaborate with them. You can likewise examine an advisor’s work record (and try to find red flags like disciplinary activities) on FINRA’s BrokerCheck site.\n3. Find out about financial advisor options\nFinancial advisors aren’t just available at your community consultatory office or bank. There are lots of ways to obtain financial guidance. The alternative that’s right for you will likely rely on your individual preferences, the solutions you need and also your spending plan.\nA robo-advisor is an electronic service offering streamlined, low-cost financial investment administration. You address questions on the internet, then computer formulas construct a financial investment profile according to your objectives and take the chance of resistance.\nLow cost: Charges begin as low as 0.25% of your balance, as well as lots of services have no or reduced account minimums, so you can begin attaching a small amount of money.\nExcellent when: You need help spending for financial goals like retirement yet don’t want or can not pay for a full financial strategy.\nLook in other places if: You need extra extensive financial planning. Though some robo-advisors use higher-tier financial planning services, the majority of excel at basic investment management.\nOnline financial planning solutions as well as advisors\nThis is the next step up from a robo-advisor: an on-line financial preparation solution that provides virtual access to human financial advisors\nA fundamental on the internet solution might offer the same computerized financial investment monitoring you ‘d get from a robo-advisor, plus the capability to consult with a group of financial advisors when you have concerns. Extra thorough solutions such as Facet Weath and also Personal Resources roughly mirror conventional financial coordinators: You’ll be matched with a dedicated human financial advisor that will certainly manage your financial investments and work with you to produce an all natural financial strategy. Many online financial advisors can match you with an advisor with a top-tier credential such as a licensed financial coordinator.\nTool cost: Online financial planning services will usually cost less than a standard financial advisor yet more than a robo-advisor. Some solutions have relatively high financial investment requirements of $25,000 or even more; others call for no minimal financial investment.\nGreat when: You fit meeting with an advisor online however would still like all natural financial planning solutions such as estate preparation, retirement planning or help with business stock options. Online advisor marketplaces such as Harness Riches and also Zoe Financial, and also several on-line advisors themselves, do the work of vetting a financial advisor for you.\nLook in other places if: You would certainly choose to work with an advisor face to face.\nTraditional financial advisors.\nConventional financial advisors can meet you personally and will certainly be able to aid you with all of your financial planning requirements.\nHigh price: This is frequently the highest-cost choice. Numerous typical advisors charge around 1% of your assets under administration. Some advisors also call for a high minimum equilibrium, such as $250,000 in possessions.\nExcellent when: You desire specialized solutions, your scenario is complicated, you wish to satisfy your financial advisor in person and establish a long-lasting relationship with them.\nLook somewhere else if: You desire similar solutions for less, fit getting help online or do not want to vet a possible advisor on your own.\n4. Take into consideration how much you can pay for to pay an advisor\nFinancial advisors have a track record for being expensive, however there is a choice for every single budget. It is very important to comprehend how much a financial advisor costs before you dedicate to solutions. Typically talking, there are 3 expense levels you’re likely to come across:\nRobo-advisors frequently bill an annual charge that is a percent of your account balance with the solution. Robo-advisor charges regularly start at 0.25% of the possessions they take care of for you, with lots of leading companies billing 0.50% or much less. On a $50,000 account balance, 0.25% works out to $125 a year.\nOnline financial preparation services and also advisors usually charge either a level membership charge, a percentage of your properties or both. As an example, Personal Resources bills 0.49% to 0.89% of possessions under management annually. Aspect Wide range charges an annual fee that starts at $1,800 a year as well as rises based on the complexity of your financial situation. Both fees consist of profile monitoring and financial planning.\nStandard financial advisors also commonly charge a portion of the quantity managed, with a median charge of 1%, although it can vary higher for tiny accounts and reduced for big ones. Others might charge a flat charge, a per hour price or a retainer.\nHow much you should invest in a financial advisor depends upon your spending plan, properties as well as the level of financial guidance you require. If you have a little profile, an in-person advisor might be overkill– you will certainly save cash as well as get the guidance you need from a robo-advisor. If you have a complex financial situation, a robo-advisor might not provide what you require.\n5. Vet the financial advisor’s history\nIf you choose to collaborate with a standard financial advisor, you’ll need to vet them. Validate any qualifications they assert to have and also inspect to see if they’ve had any kind of disciplinary problems such as scams. It’s not a bad idea to do this also if you collaborate with an online financial advisor, however many will do the vetting for you.\nWe also have a checklist of 10 concerns you must ask a financial advisor– consisting of whether they hold to a fiduciary criterion, what their cost structure is and also exactly how often you’ll be interacting.\nWhen should you talk to a financial advisor?\nYou can look for financial aid at any moment, yet it’s especially important to get financial assistance ahead of substantial life modifications. Whether you’re acquiring a residence, starting a job, marrying or having a kid, these life events can have significant financial implications, and also some ahead of time financial planning can go a long way towards developing a stable financial future.\nIt’s also a good idea to consult with an expert if your financial situation itself has altered. Perhaps your salary has raised or you acquired some cash from a relative. When cash starts moving in, it’s a great suggestion to provide it a favorable instructions; or else, it can be all too simple to spend needlessly.\nWhy is “advisor” often spelled “adviser”? Is there a difference?\nWhile the two terms are commonly used reciprocally, “adviser” is the lawful term made use of in the united state Financial Investment Advisers Act of 1940 to describe people that should sign up with either the SEC or with their state.\nToday, “adviser” is commonly led to “advisor.” The vital takeaway is not to refuse to work with someone that makes use of an “o” instead of an “e,” however that the world of financial specialists as well as their titles can be murky; regardless of what somebody’s title is, you need to request for their qualifications, verify them and make sure their specialist designations associate your requirements. You can verify a financial investment advisor’s enrollment with the SEC’s Financial investment Consultant Public Disclosure tool (it also has a data source that includes state-registered advisors).\nWhere can I get free financial recommendations?\nMany financial institutions and also brokerage firms use cost-free online collections of financial recommendations and also devices, so ask your existing financial service provider what is available to you. Some organizations like the Foundation for Financial Preparation use cost-free aid to people in need, including professionals as well as cancer cells patients. And also while you shouldn’t believe everything you continue reading the web, there are lots of respectable sources for financial details online, including federal government resources like Investor.gov as well as the Financial Industry Regulatory Authority.", "label": "Yes"}
+{"text": "Smart contracts are becoming increasingly popular and offer the perfect opportunity for developers who want to work with blockchain technology. In this guide, you’ll get to find out what it takes to become a successful smart contract developer, from building your knowledge base to getting yourself hired by companies.\nIntroduction to Smart Contract Development\nA smart contract is a computer protocol that can be used to automatically facilitate, verify, or enforce the negotiation or performance of a contract. Smart contracts were first proposed by Nick Szabo in 1994 as a way to bring ‘the functionality of formal contracts to electronic commerce.’\nThe use of smart contracts can potentially enable more secure and efficient transactions by automating key workflow processes and eliminating the need for third-party intermediaries. For example, in the context of financial services, smart contracts could be used to automate the processing of loan applications, KYC (know-your-customer) checks, and fraud detection. In supply chain management, smart contracts could be used to track the movement of goods and automatically trigger payments along each step of the process.\nWhile there are many potential use cases for smart contracts, developing them still requires a fair amount of technical expertise. This guide will provide an overview of what smart contracts are and some tips on how to get started with smart contract development.\nUnderstanding Blockchain and Ethereum Platform\nBlockchain is a distributed database that allows for secure, transparent and tamper-proof record-keeping. Ethereum is a decentralized platform that runs smart contracts: applications that run exactly as programmed without any possibility of fraud or third party interference.\nSmart contract developers need to be proficient in both blockchain and Ethereum development in order to build decentralized applications. In this guide, we’ll cover the basics of each technology and explain what you need to know to become a smart contract developer.\nA blockchain is a linked list of blocks, where each block contains a cryptographic hash of the previous block, a timestamp, and transaction data. Bitcoin was the first application built on top of a blockchain, and it uses its own proprietary form of the technology. Ethereum uses an open-source version of blockchain called Hashgraph.\nEthereum is a decentralized platform that runs smart contracts: applications that run exactly as programmed without any possibility of fraud or third party interference. These apps are built on top of a blockchain, but unlike Bitcoin, Ethereum has its own native programming language (Solidity) which allows for more complex applications.\nWhat You Need To Know To Become A Smart Contract Developer\nIn order to become a smart contract developer, you need to have a good understanding of both blockchain and Ethereum development. However, if you’re just starting out, don’t feel overwhelmed – there are plenty of resources available to help you learn the ropes. The best\nDifferent Types of Smart Contracts\nWhen it comes to developing smart contracts, there are a few different types that you should be aware of. Each has its own distinct advantages and disadvantages that you should take into account when deciding which route to take.\nThe three most popular types of smart contracts are ethereum, NEO, and EOS. Let’s take a closer look at each one:\n– Ethereum is the most well-known and widely used platform for developing smart contracts. As a result, there is a large community of developers and users to help support you.\n– The Ethereum Virtual Machine (EVM) makes it easy to deploy and test your smart contracts.\n– You can use Solidity, a widely used programming language, to develop your smart contracts on Ethereum.\n– Ethereum can be slow and expensive due to its high demand.\n– Smart contracts on Ethereum are immutable, meaning once they’re deployed, they can’t be changed. This can be problematic if you need to make changes down the road.\n– Neo is faster and more scalable than Ethereum with the ability to handle up to 10,000 transactions per second.\n– Neo uses gas (not ETH) as its currency which means transaction fees are lower than on Ethereum.\n– Neo supports multiple programming languages including C#, Java, and Python\nLearning the Solidity Language\nThere are a few different ways to learn the Solidity programming language. The first way is to find resources online. There are many blog posts, articles, and tutorials that can be found with a simple Google search. Additionally, there are several YouTube channels dedicated to teaching others how to code in Solidity.\nAnother way to learn this programming language is through online courses. These courses are typically much more comprehensive than blog posts or YouTube videos and will walk you through everything from the basics of the language to more advanced concepts. Some popular online courses include: ‘Learn How To Code: Google’s Go Programming Language’, ‘Udemy – Ethereum Blockchain Developer: Build Projects Using Solidity’, and ‘Hacking Blockchain’.\nFinally, if you want to really dive deep into learning Solidity, there are bootcamps and intensives offered by companies such as ConsenSys and Blockgeeks. These programs usually last for several weeks or months and will give you the opportunity to learn from experienced developers while working on real-world projects\nSetting up an Environment for Developing Smart Contracts\nBefore you start developing smart contracts, you need to set up your development environment. This includes installing the necessary software and tools, as well as setting up a test blockchain.\nInstalling the Software\nFirst, you need to install the Ethereum Wallet and Mist Browser. These are two of the most popular tools for interacting with the Ethereum network.\nNext, you’ll need to install an Integrated Development Environment (IDE) like Solidity or Vyper. These IDEs allow you to write and compile smart contracts.\nFinally, you’ll need to install a testing tool like TestRPC or Ganache. These tools allow you to create a private blockchain for testing purposes.\nSetting Up a Test Blockchain\nOnce you’ve installed all the necessary software, you’ll need to set up a test blockchain. This can be done using TestRPC or Ganache.\nTestRPC is a NodeJS application that creates a virtual Ethereum blockchain. It’s perfect for testing purposes because it’s easy to use and quick to set up. Ganache is another option for setting up a test blockchain. It’s a bit more complicated than TestRPC, but it offers more features and flexibility.\nWriting a Smart Contract from Scratch\nDeveloping a smart contract from scratch can be a daunting task, but it doesn’t have to be. With a little bit of know-how and the right tools, you can create a smart contract that is both secure and functional.\nIn this guide, we will walk you through the process of writing a smart contract from scratch. We will cover everything from setting up your development environment to deploying your contract on the Ethereum network. By the end of this guide, you will have all the knowledge you need to become a smart contract developer.\nDeployment of Smart Contracts\nWhen it comes to deploying smart contracts, there are a few things you need to keep in mind. First and foremost, you need to make sure that your contract code is error-free. Secondly, you need to have an Ethereum address that has enough Ether to cover the gas costs associated with deploying the contract. Finally, you need to use a tool like Truffle or Geth to deploy your smart contract to the Ethereum blockchain.\nAssuming that your contract code is error-free, deploying a smart contract is relatively straightforward. First, you’ll need to launch an instance of Ethereum geth or Parity. Once geth or Parity is up and running, you can use the truffle console to deploy your smart contract. When using the truffle console, make sure that you’re connected to the same network as your geth or Parity instance. Once you’re connected, simply run the following command:\ntruffle(default)> migrate –reset –network\nThis will deploy your smart contract to the specified network. If everything goes according to plan, you should see something like this:\n… Running migration: 2_deploy_contracts.js Deploying MyContract… … 0x7df9a87565bef2d99e2e0bae23884625dcf59c73cd4f22b8da12e1a0c26ff622 MyContract\nThere are a few common challenges that arise when trying to become a smart contract developer. The first challenge is finding the right tools and frameworks to use. There is a lot of new technology out there, and it can be overwhelming to try and figure out which ones are the best fit for you. Another common challenge is understanding how smart contracts work. They are still a relatively new technology, and there is not a lot of documentation or resources available to help developers get started. Finally, debugging smart contracts can be difficult because of their complexity and the lack of standard tools available.\nBecoming a smart contract developer is becoming an increasingly popular and lucrative career choice. There are many different ways to get started in the field, ranging from attending coding bootcamps to teaching yourself with online resources. Whichever path you choose, understanding the basics of blockchain technology and getting familiar with the relevant programming languages will be essential steps on your journey to becoming a successful smart contract developer. With enough effort and dedication, you can position yourself as an expert in this exciting new field.", "label": "Yes"}
+{"text": "NASDAQ:SPNS - Sapiens International Stock Price, News, & Analysis Sign in or create an account to add this stock to your watchlist. Get Started $13.44 -0.04 (-0.30 %) (As of 02/21/2019 06:54 AM ET)Previous Close$13.48Today's Range$13.39 - $13.6052-Week Range$8.01 - $14.46Volume29,130 shsAverage VolumeN/AMarket Capitalization$669.04 millionP/E Ratio49.78Dividend YieldN/ABetaN/A ProfileDiscussionAnalyst RatingsChartDividendEarningsFinancialsInstitutional OwnershipHeadlinesOptions ChainSEC FilingsSocial Media Share on FacebookShare on TwitterShare on LinkedInShare on RedditShare on StocktwitsPrint this articleShare by Email Sapiens International Corporation N.V. provides software solutions for the insurance and financial services industries in North America, Europe, the Asia Pacific, and South Africa. The company offers software platform and solutions for life, pension, and annuities, such as Sapiens ALIS, LifeSuite, Life Portraits, LifeApply, Sapiens INSIGHT, and Sapiens Closed Books; and personal, commercial and specialty lines, and workers' compensation comprising Sapiens IDIT, Adaptik Policy, Adaptik Billing, Stream Claim, Sapiens Stingray, PowerSuite, and CompSuite. It also provides Digital Engagement, a digital insurance suite that includes advanced analytics, a portal for consumers and agents, an API layer for integration with the insurtech ecosystem, and a cloud proposition; and process analysis, business process automation, project management, performance optimization consulting services, etc., as well as information system development and various implementation methodology services to agents, customers, and insurance personnel. In addition, the company offers reinsurance software solutions, including Sapiens Reinsurance, Freedom Reinsurance System, and Universal Reinsurance System; eFreedom Annual Statement, PRO Financial General Ledger and Accounts Payable, PTE Financial applications, Insurance Financial reporting, and Power2Play financial and compliance solutions; and Sapiens DECISION, an enterprise-scale decision management solution. Further, it provides technology-based solutions based on its eMerge platform, which offers end-to-end modular business solutions, as well as Agile, Sapiens Delivery Tool, and Sapiens Delivery Performance Indicator methodologies. Additionally, the company offers program delivery, business transformation, and managed services. It markets and sells its products and services through direct and partner sales. The company was founded in 1982 and is headquartered in Holon, Israel. Receive SPNS News and Ratings via Email Sign-up to receive the latest news and ratings for SPNS and its competitors with MarketBeat's FREE daily newsletter. Industry, Sector and Symbol Stock Exchange NASDAQ Industry Prepackaged software Sub-IndustryApplication Software SectorComputer and Technology Current SymbolNASDAQ:SPNS Previous Symbol CUSIPN7716A15 Webwww.sapiens.com Phone972-3790-2000Debt Debt-to-Equity Ratio0.34 Current Ratio1.41 Quick Ratio1.41Price-To-Earnings Trailing P/E Ratio49.78 Forward P/E Ratio25.85 P/E GrowthN/A Sales & Book Value Annual Sales$269.19 million Price / Sales2.49 Cash FlowN/A Price / Cash FlowN/A Book Value$4.08 per share Price / Book3.29Profitability EPS (Most Recent Fiscal Year)$0.27 Net Income$350,000.00 Net Margins4.59% Return on Equity12.05% Return on Assets6.42%Miscellaneous Employees2,376 Outstanding Shares49,780,000Market Cap$669.04 million OptionableOptionable Sapiens International (NASDAQ:SPNS) Frequently Asked Questions What is Sapiens International's stock symbol? Sapiens International trades on the NASDAQ under the ticker symbol \"SPNS.\" How often does Sapiens International pay dividends? What is the dividend yield for Sapiens International? Sapiens International declared a ... dividend on Friday, September 21st. Stockholders of record on Tuesday, October 16th will be given a dividend of $0.2337 per share on Tuesday, October 30th. The ex-dividend date of this dividend is Monday, October 15th. View Sapiens International's Dividend History. How were Sapiens International's earnings last quarter? Sapiens International Co. (NASDAQ:SPNS) announced its quarterly earnings data on Wednesday, November, 7th. The technology company reported $0.15 EPS for the quarter, beating the consensus estimate of $0.14 by $0.01. The technology company had revenue of $73.24 million for the quarter, compared to analysts' expectations of $72.12 million. Sapiens International had a net margin of 4.59% and a return on equity of 12.05%. Sapiens International's quarterly revenue was up 1.7% compared to the same quarter last year. During the same period last year, the firm posted $0.13 EPS. View Sapiens International's Earnings History. When is Sapiens International's next earnings date? Sapiens International is scheduled to release their next quarterly earnings announcement on Tuesday, February 26th 2019. View Earnings Estimates for Sapiens International. How can I listen to Sapiens International's earnings call? Sapiens International will be holding an earnings conference call on Tuesday, February 26th at 9:30 AM Eastern. Interested parties can register for or listen to the call using this link or dial in at 8886689141. What price target have analysts set for SPNS? 4 equities research analysts have issued 12-month target prices for Sapiens International's stock. Their forecasts range from $14.00 to $14.00. On average, they anticipate Sapiens International's stock price to reach $14.00 in the next year. This suggests a possible upside of 4.2% from the stock's current price. View Analyst Price Targets for Sapiens International. What is the consensus analysts' recommendation for Sapiens International? 4 Wall Street analysts have issued \"buy,\" \"hold,\" and \"sell\" ratings for Sapiens International in the last year. There are currently 2 hold ratings and 2 buy ratings for the stock, resulting in a consensus recommendation of \"Buy.\" View Analyst Ratings for Sapiens International. Has Sapiens International been receiving favorable news coverage? News coverage about SPNS stock has been trending somewhat negative on Thursday, InfoTrie reports. The research group identifies negative and positive press coverage by monitoring more than six thousand blog and news sources in real time. The firm ranks coverage of public companies on a scale of negative five to five, with scores nearest to five being the most favorable. Sapiens International earned a coverage optimism score of -1.0 on InfoTrie's scale. They also assigned news stories about the technology company a news buzz of 10.0 out of 10, meaning that recent press coverage is extremely likely to have an effect on the company's share price in the next several days. Who are some of Sapiens International's key competitors? Some companies that are related to Sapiens International include China Information Technology (CNIT), Clarent (CLRN), Code Rebel (CDRBQ), CommerceHub (CHUBK), CommerceHub (CHUBB), CommerceHub (CHUBA), Connecture (CNXR), Longwen Group (LWLW), Mobileye (MBBYF), MuleSoft (MULE), Pacific WebWorks (PWEB), Polar Wireless (BCDI), Velti (VELTF) and Web.com Group (WEB). Who are Sapiens International's key executives? Sapiens International's management team includes the folowing people: Mr. Roni Al-Dor, Pres & CEO (Age 58)Mr. Roni Giladi, CFO & VP (Age 48)Mr. Ben Shory, Corp. CTO & Digital Division Mang.Ms. Yaffa Cohen-Ifrah, Chief Marketing Officer & Head of Corp. CommunicationsMs. Osnat Segev-Harel, Head of Corp. Devel. (Age 57) Who are Sapiens International's major shareholders? Sapiens International's stock is owned by many different of retail and institutional investors. Top institutional shareholders include Delek Group Ltd. (0.36%), Menora Mivtachim Holdings LTD. (0.31%), Jane Street Group LLC (0.29%), Dimensional Fund Advisors LP (0.25%), Geode Capital Management LLC (0.10%) and Acadian Asset Management LLC (0.08%). Which major investors are selling Sapiens International stock? SPNS stock was sold by a variety of institutional investors in the last quarter, including Millennium Management LLC, Delek Group Ltd., Menora Mivtachim Holdings LTD., Segall Bryant & Hamill LLC and Geode Capital Management LLC. Which major investors are buying Sapiens International stock? SPNS stock was acquired by a variety of institutional investors in the last quarter, including Jane Street Group LLC, Dimensional Fund Advisors LP, ETF Managers Group LLC, Monarch Partners Asset Management LLC, Altshuler Shaham Ltd, Acadian Asset Management LLC, 1492 Capital Management LLC and Ramsey Quantitative Systems. How do I buy shares of Sapiens International? Shares of SPNS can be purchased through any online brokerage account. Popular online brokerages with access to the U.S. stock market include Vanguard Brokerage Services, TD Ameritrade, E*TRADE, Scottrade, Fidelity and Charles Schwab. What is Sapiens International's stock price today? One share of SPNS stock can currently be purchased for approximately $13.44. How big of a company is Sapiens International? Sapiens International has a market capitalization of $669.04 million and generates $269.19 million in revenue each year. The technology company earns $350,000.00 in net income (profit) each year or $0.27 on an earnings per share basis. Sapiens International employs 2,376 workers across the globe. What is Sapiens International's official website? The official website for Sapiens International is http://www.sapiens.com. How can I contact Sapiens International? Sapiens International's mailing address is Azrieli Center 26 Harukmim St., Holon L3, 5885800. The technology company can be reached via phone at 972-3790-2000 or via email at [email protected] MarketBeat Community Rating for Sapiens International (NASDAQ SPNS)Community Ranking: 2.4 out of 5 ( )Outperform Votes: 211 (Vote Outperform)Underperform Votes: 229 (Vote Underperform)Total Votes: 440MarketBeat's community ratings are surveys of what our community members think about Sapiens International and other stocks. Vote \"Outperform\" if you believe SPNS will outperform the S&P 500 over the long term. Vote \"Underperform\" if you believe SPNS will underperform the S&P 500 over the long term. You may vote once every thirty days. This page was last updated on 2/21/2019 by MarketBeat.com StaffFeatured Article: What is a Lock-Up Period?", "label": "Yes"}
+{"text": "Felixstowe, the UK’s largest container port, could soon be brought to a standstill after dock workers voted overwhelmingly to strike in August. No actual strike date has been set, and both sides will be resuming negotiations next week. Main outstanding issue: below-inflation wage increases offered by management.\nFelixstowe handled 4 million TEUs annually, nearly half of all UK container trade. Voting for potential strike is also underway at the Port of Liverpool.\nA wave of industrial action is sweeping across Europe’s main ports as runaway inflation and a cost-of-living crisis cut deep into worker wages.\nUnite, one of the UK’s largest unions, said in a statement Thursday that 92 percent of its members at Felixstowe voted in favor of a walkout agreed to strike. The port is operated by a division of Hutchison Ports UK, a subsidiary of CK Hutchison Holdings.\n“The bottom line is this is an extremely wealthy company that can fully afford to give its workers a pay rise. Instead, it chose to give bonanza pay outs to shareholders touching £100 million ($121 million),” Sharon Graham, secretary general of Unite, said in a statement.\nThe dispute arose after the Felixstowe Dock and Railway Company, a wholly owned subsidiary of CK Hutchison, offered workers a pay increase of 5 percent. With UK inflation at 9.4 percent in June — and some indicators putting inflation at 13.8 percent in July — Unite labeled the 5 percent offer “an effective pay cut” that followed a below-inflation pay raise of 1.4 percent in 2021.\nHowever, a Port of Felixstowe spokesman said the port had made what it considered “a very fair offer” and was “disappointed with the result of the ballot.”\n“Strike action at Felixstowe will inevitably create huge disruption across the UK’s supply chain,” said Unite regional officer Miles Hubbard. “Strike dates have yet to be announced but even at this late stage the dispute could be resolved by the company returning to negotiations and making a realistic offer,” he added. (Photo courtesy of Port of Felixstowe)", "label": "Yes"}
+{"text": "Cost of living in Muar, Malaysia compared to Ahmedabad, India\n|Personal Care||- 5%|\nWARNING! This comparison is based on only a few data points. At this point it is only a guess. It is based on 824 prices entered by 119 different people.\nThese prices were last updated on April 25, 2018. Exchange rate: 17.028 INR / MYR\nDo you live in Ahmedabad? We need your help!\nCost of living in Muar (Malaysia) is 14% more expensive than in Ahmedabad (India)\nFor example, you would need at least ₨58,213 (RM3,419) in Muar to maintain the same standard of living that you can have with ₨51,000 in Ahmedabad.\nRecent Prices Added\n- One-way ticket in public transport in Chicago, Illinois costs $2.25 (1 minute ago)\n- 1 liter of gasoline in Guntur costs ₨10 (1 minute ago)\n- 1 us gal of gasoline in Pittsburgh, Pennsylvania costs $0.82 (9 minutes ago)", "label": "Yes"}
+{"text": "Ssi payday advance loan Pay check improves having SSI with each other together with other federal perk Re also\nIn the event that you real time obtained from national has actually such as for instance 2nd safety income (SSI) or even individual safeguards and won’t need to have the state products, you may be thought when the payday loan to your online appear to the very own yourself.\nYou are looking for hence just like the a choice on the skills that you and obtain an urgent expenses, desires end design a belated expenses or perhaps consult advice punctual.\nSimple fact remains if you should’re taking authorities entitlement monitors offered your solitary income source, you will be permitted to you prefer an on-line pay day money out which have a beneficial prepaid debit notes. This is basically the primary reason:\nEditor’s acknowledge: if you prefer this post, go ahead and enter aside-regarding talk then manage their particular feedback around the avoid! View having a great deal more big information pay check improvements.\nWhat Truly Is Environmentally friendly Money?\nMore coverage, by this thinking, is largely that reputable return external doing profits. This occasionally emerges to your kind of entitlements such as for example as for like impairment otherwise amicable visibility profits due to the fact SSI.\nSupplemental possessions profits, otherwise SSI, take to a variety of progressive currency put out through the all over the country bodies in order to being qualified the elderly and this never-setting that have the reason you to decades, condition or other certain out of foundation.\nSSI got spent minutes-to-time, with the first of each 1 month, to help you blind, handicapped and you may the elderly hence qualify for skills.\nJust what Loan providers Contemplate Elective Bucks?\nDon’t envision most of the bank desire most other option bucks to make you money and is legitimate while making more. Most getting spend-day improvements getting SSI customers means bringing your company on the commercial that is true.\nHere is a detailed types of creditors you to definitely might be very possible to take additional alternative money when money that is certainly performing:\na choice is made of people as mentioned within the type of standards through the app. Integrating having an installment money matter allows you to know a great advantageous payday loans which is available out-of of several financial institutions.\nDemands: Pay check Developments taking SSI Broadcast\nYou’ll would be to their-city from the particular towns, otherwise manage lookin to see of use efficiency towards easily expenses hence will make effect for you.\nExactly why Cash advance that have SSI Attributes?\nIn this situation, if you’re looking in the income raise you are thinking what precisely is top features of pay check developments having SSI positives?\nGovernment entities a job financing in order to SSI individuals, together with some body whom gather economic well worth, having a continuing system you to begins with an excellent lso is package on the before everything else day-to-day.\nYou’ll need if you had an issue to locate treat kind of will cost you towards the fifteenth, a far greater private charges are the thing that.\nWith high-supply online and inside shops, and you can a straightforward number of conditions, spend online payday loans that have Iowa customers big date money feel a beneficial effortless, smoother and you may overall manner in which can be acquired discover the fund expected.\nMinimums and you can Maximums are already varying\nZero credit rating incorporate appear to smaller than average started within a readily available monthly income, extent you should be eligible to is sometimes ages other specific pay check fund.\nAnd that loan providers can supply you with excessively currency towards the the next selling when you payback pay check improvements that have SSI benefit.\nIs to try to help with Funding Wellness\nWhen you have terrible borrowing discover an emergency, online payday loans might be considered to be in fact just an effective partners selection you should make a beneficial tenuous funding suitable once more.\nnot, an advantage for this reason sort of money has in reality it already been are great for your house take action.\nTradee back several-season or even much longer. That produces a complete significant energy online car title loan in OK which have financial problems happens and you may therefore leave you so you can basic. Defaulting into a financial obligation becoming in fact personal credit check is indeed actually harmful to the latest membership, of course.\nHowever, given that shell out-date improves are often paid back towards the complete to the wages fundamentally appropriate you to definitely, there’s not many off alternatives on the collaboration into borrowed funds company to own west.", "label": "Yes"}
+{"text": "Are you contemplating buying at the city hall steps, or through an auction company? Be careful because you do need to know if it has clear title to the property. You also don't want to buy a 2nd on the property because you could end up holding an empty bag. City Hall requires cash. You may also be able to get a hard money loan through an investor but it has high fees and interest associated with these type of loans. If you have any questions feel free to call us. Bart & Tracey Tipton http://www.mymajesticproperties.com\nMy company is the listing broker for all of the HUD owned foreclosures in Kern County. We submit bids for Buyers on these properties. All traditional financing is available for these homes. Call me if you have any questions about these homes or the bid process.\nIn my experence in NY, you could get a mortgage.\nWhen u win the bid, you pay 10% there it self & you got 30 Days to come up with the rest.\nAlways talk to your attorney and do intensive market research as the auction properties come as-is.\nThere are other options besides cash but you don't want to make any decision without a Realtor to be at your side. You can buy a foreclosure home with bank financing with the help of a Realtor. Try Valerie Moses at 661-619-0239 She is great with buyers.", "label": "Yes"}
+{"text": "Bob joined Scope in 2003 and has been in various aspects of banking since 1983. He holds a bachelor's degree from the College of Wooster and an MBA from the Fisher College of Business at The Ohio State University.\nCharlie is Scope's Senior Lender and joined the team in 1989. Prior to that, he spent many years as commercial lender in Michigan and Ohio. Charlie has twice been elected to the Board of Directors of the National Aircraft Finance Association (NAFA) in 1997 and 2005. He holds a BBA degree from Albion College and an MBA from Bowling Green State University.\nDrew joined the Scope team in 2016 and serves the piston, turboprop and jet markets. He has been in banking since 2007 and has experience financing small businesses and commercial real estate investors for loans up to $25 million. He holds degrees in Finance and International Business from Ohio University and a degree in Law from Capital University Law School. In addition, Drew is currently training for the private pilot’s certificate.\nAlaina joined the Scope team in August 2019. Having previously worked as a commercial lender in another division of our bank, Alaina brings a decade of experience in the financial services industry. She graduated from The Ohio State University’s Fisher College of Business with a degree in Accounting and holds a CPA designation.\nMike has been in the aircraft finance industry since 2011, and banking since 2006. Mike is a 2009 graduate of Ohio University, where he studied Aviation and Business, as well as obtained commercial pilot and flight instructor certificates.\nHaving joined Scope in 2019, Bryan has over 20 years of aircraft finance experience. He graduated from Indiana State University in 1997 with a degree in Aerospace Administration. Since his time at Indiana State, Bryan has spent his entire career in the aircraft finance industry, having worked for one of the leading aircraft OEM finance subsidiaries, as well as spending nearly two decades working for another financial institution, where he provided aircraft financing in the owner-flown aircraft market, and beyond. Bryan holds his Private Pilot certificate and enjoys flying, attending aviation industry events, and is a self-described aviation fanatic.\nLogan joined Scope in 2018 as a credit analyst with 10 years of banking experience. He is a 2009 graduate of Tiffin University with a degree in Finance and Managerial Studies. He is currently earning his MBA from the Fisher School of Business at The Ohio State University. Previously, Logan has worked in several areas of commercial lending, where he gained experience providing financing solutions for businesses of varying sizes and industries.\nJessica joined Scope in 2015 as a credit analyst. She has an aviation background, having graduated from The Ohio State University with a degree in Aviation Management. Previously she worked in scheduling and operations at a local flight department.\nCaileigh has been an associate at Park National Bank (Scope’s parent company) since April 2017. Having worked in several areas of the bank, from commercial loan underwriting to customer service areas, she joined Scope in August 2019 as a credit analyst. Caileigh attended Allegheny College, with studies focused on pre-med and history. Before her banking career, Caileigh worked in the medical field at a local optometrist office. Her varied experience in the medical and banking backgrounds, coupled with her involvement in our local community, adds breadth and depth of knowledge valuable to the credit function at Scope.\nDonna has been with Scope since 2001 and serves Operations Manager, coordinating closings and managing back office operations. Donna began her career at State Savings Banks in 1984 and is graduate of the Columbus Business University.\nTerri joined Scope in 2013 and holds a great deal of banking experience, having served in retail and other financial staff capacities for institutions in the Columbus area.\n200 Civic Center Dr Suite 110, Columbus, OH 43215\n800.357.5773 | 614.221.5773 | email@example.com", "label": "Yes"}
+{"text": "90 Seconds With… Fred Pye, 3IQ\nLink copied to\nGot 90 seconds? Then listen to Chairman and CEO, Fred Pye tell us about their company news.\n3IQ is a Canadian investment fund manager that offers investors convenient and familiar investment products to gain exposure to digital assets.\nWe gave Fred Pye, Chairman and CEO of 3IQ, 90 seconds to tell us more about their recent news.\nHave a good idea for our next 90 Seconds With segment? Email us at [email protected].", "label": "Yes"}
+{"text": "Africa News blog\nAfrican business, politics and lifestyle\nAfrican countries are often being told what they need to do to win more investment and expand their economies, but there is always a question as to whether making the changes will really deliver the rewards.\nThe lesson from top reformer Rwanda seems to support the argument that it is worthwhile.\nRegistered investment leapt 41 percent to $1.11 billion in 2009 in spite of the particularly difficult global environment. It is expected to rise 20 percent this year. And that is in a small, landlocked country not noted for immense resources, still recovering from the genocide of 1994 and some neighbours that might best be described as unstable.\nRwanda has long been a darling of donors because of its reforms and no doubt also because of guilt over the world’s failure to prevent the mass killings, but this isn’t aid money – it is investment in businesses to generate money and jobs.", "label": "Yes"}
+{"text": "|Dryers are devices of convenience, a quick solution for drying your clothes. They are also superb at setting stains and decreasing the longevity of your clothes. Using a dyer costs money because you’ll need to replace worn out clothing.|\nCompare the cost of using a dryer with the cost of using a clothesline or an indoor clothes rack. The cost of purchasing a clothes rack is usually between $5 and $20, and this cost is recovered in savings after the first month in most cases. Not only do clotheslines offer additional savings, but air-dried laundry lasts longer. The sun helps remove stains from light clothing, and ultraviolet rays kill bacteria.\nTo save time and space while air-drying shirts, hang them on hangers. They become less wrinkled, take up less space, and can be moved to the closet as soon as they have dried.", "label": "Yes"}
+{"text": "Finding low cost homeowners insurance quotes for Wayland, 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 Wayland 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 Michigan 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 Wayland, Michigan 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 Michigan Cities Nearby:\nHaving home owner's insurance policy is certainly a wise thought. Catastrophes often happen unexpectedly and can consequence in huge bills, and perhaps the reduction of your house. Possessing home owner's insurance policy will support you include the cost of every thing from a burst pipe, to fire hurt. house owner's insurance policy aids you to fix or rebuild your house speedily.\nA great deal of renters will not get renters' insurance policies. Renter's insurance coverage covers your individual possessions. You need to get your very own coverage to include your stuff in the event of a hearth, flood, or even theft.\nSmoke alarms can help you save on your home insurance policy premiums. With mounted smoke alarms, you can help save around ten% or far more on your yearly house insurance policies premiums. It is feasible that if you insert more smoke detectors, your insurance agent will additional low cost your plan. Don't neglect to notify your agent about your smoke alarms.\nAn alarm system can aid reduce your premium. It will really lessen the opportunity of your home becoming robbed. Right after reducing the threat of theft, your insurance provider will decrease your price tag. Give your insurance policies organization evidence of your protection program.\nIf you have been contemplating about relocating to yet another region, this vehicle insurance coverage idea might just be the icing on the cake. If you are situated in an spot with a reduce criminal offense charge, you will obtain favorable protection and will in the long run shell out far significantly less for each month than people who stay in substantial-criminal offense places.\nImprove your credit rating rating. You will see lower premiums on your home\nIf you are satisfied with your home insurance policy company, consider and get increased savings out of them with a several plan price reduction! Many instances a company will offer a important low cost as an incentive for having out much more than a single policy with them so look into coverage for your auto or overall health with the very same business and really perhaps save on two or far more yearly plan rates!\nIf you have any spare money in a personal savings account, use it to pay off your home. When you own your house outright your annual home insurance policy rates can drop substantially as insurance policies businesses tend to assume that home-owner's are more most likely to get treatment of and secure their house.\nElevating a deductible is a good way to decrease home insurance policy premiums. You have to do research, simply because tiny statements can price you cash and you have to shell out them, this kind of as leaky pipe injury and broken house.\nhomeowner's insurance policy policy is a \"guaranteed replacement worth\" one. This protects the expense you have manufactured in your home, since if your home is wrecked in a normal catastrophe, it will be reconstructed, irrespective of the value. Creating a home increases in cost each year. This variety of plan offers you a economic cushion and absorbs the increasing home-building expenses, so you never have to.", "label": "Yes"}
+{"text": "Another edition of mortgage match-ups: \"FHA vs. conventional loan.\" Our latest bout pits fha loans against conventional loans, both of which are popular home loan options for home buyers these days.. In recent years, FHA loans surged in popularity, largely because subprime (and Alt-A) lending was all but extinguished as a result of the ongoing mortgage crisis.\nWhile FHA rates may be low, the added costs of mortgage insurance could make refinancing into a conventional loan, even one with a slightly higher rate interest rate, result in lower monthly payments for the borrower. Now, let’s examine the advantages and disadvantages of an FHA to conventional refi.\nFha Versus Conventional Loans What is a Mortgage Pre-Approval Vs Pre-Qualification? – What is a mortgage pre-approval vs pre-qualification? There are many reasons to know the difference between being pre-approved and pre-qualified!\nFHA loans maximize a homebuyer’s purchasing power by providing lower 30-year fixed interest rates, offering lower mortgage insurance premiums than conventional loans and their down payment.\nConventional Mortgage Loan Definition Va Loan Rates Vs Conventional VA Loan vs. Conventional Loan – lowvarates.com – On average, VA loan rates are as much as 0.5% lower than conventional loan rates. A veteran would save roughly per month on a $280,000 VA loan vs. a comparable conventional loan. streamline refinance or Interest Rate Reduction and Refinance Loan (IRRRL)What Does a.\nCurrent Home Loan Rates California Today’s Thirty Year Mortgage Rates. When purchasing a home, one of the most confusing aspects of the process is selecting a loan. There are many different financial products to choose from, each of which has advantages and disadvantages. The most popular mortgage product is the 30-year fixed rate mortgage (FRM).\nPrivate Mortgage Insurance for FHA and Conventional. Of course, the FHA vs conventional loan debate doesn’t end there. If you put less than 20% down using any loan except for a VA loan, that means you’ll have to get private mortgage insurance.Private mortgage insurance (or PMI) protects lenders in the event that borrowers with low equity default on their loans-and the borrower gets to.\nWhile FHA Mortgage Rates are more competitive than conventional mortgage rates, they cost more in the end, despite the lower rate of interest. Despite the fact that you can secure a better interest rate on an FHA insured mortgage, it’s still a costlier mortgage at the end of the day.\nAn FHA loan is a mortgage issued by a federally approved bank or financial institution that, unlike a conventional mortgage, is insured by the Federal Housing Administration. This mortgage insurance provides the security that qualified lenders need in order to take on a riskier loan.\nWhat Is A Non Conventional Loan Nc Housing Interest Rates Affordable housing efforts get a boost from $205 million in tax breaks and low-interest loans – Efforts to expand North Carolina’s inventory of affordable housing. interest loans help keep out-of-pocket expenses lower for the developers and owners of the communities, who in turn are able to.Conventional loans are known as a conforming loan because they meet the criteria set by Fannie Mae and Freddie Mac. Why Conventional Loans are so Popular. Conventional loans are the most popular type of mortgage used today. A conventional mortgage is a conforming loan because it meets the standards set by Fannie Mae and Freddie Mac.", "label": "Yes"}
+{"text": "How much Lottery revenue is allocated to each school district?\nAll New York Lottery revenue is turned over to the State's general fund. Each year the State Legislature adopts a formula in the State budget to distribute aid statewide. Click below for money allocation to schools by county.\nNew York Lottery Money Allocated To Schools", "label": "Yes"}
+{"text": "Again, this is something you might have to find out for yourself. Because, it’s all about what you want in a job. Some people would hate working from home, and some would flourish there. So, whether you choose to try out Home Income System or not, you have to evaluate if you’d like being home every day. And, that’s not to say that Home Income System could even replace your current job. In fact, it looks like the Home Income System actually should be used in your spare time. But, if you were looking for another job and didn’t want to go in to an office, this could be an option for working from home. But, again, you’d have to try out Home Income System for yourself to see if it fits into your lifestyle.\nIn a real way, Kelly Services practically pioneered jobs from home, since it began primarily as a temporary job service. It now works regularly with some of the very largest employers in the country, providing staffing needs at all levels. They specialize in accounting and finance, administrative, automotive, engineering, information technology, life sciences, and call centers, but actually cover a multitude of industries and job classifications.\nYour Deals. In addition to establishing a per-class price, also offer packages to entice people to sign up for more than one class. For example, if you intend to host classes on making soap, offer the classes individually, as well as in a group. Someone could take a class learning how to use fresh flowers in homemade soap, or they could buy a bundle that teaches them how to use those, fresh herbs, and plastic toys for kid’s soap. However you decide to price your classes, remember that the buyer will want to feel like they’re getting a lot for their money. If you can provide that in a fun atmosphere, they’ll likely be back time and time again – and they’ll bring friends.\nThe other wants to make money because it allows them to make more things. They want to improve their products. They want to extend their lines. They want to create another book, another song, another movie. They love what they make and they see making money as a way to do even more of what they love. They dream of building a company that makes the best things possible... and making money is the way to fuel that dream and build that company they love.\nNot only do you need a source of income, but having a second income is a great idea as well. I don’t mean that you have to have an additional part-time job, but find a way to make a couple of extra bucks on the weekends or a few nights during the week. This could be anything from freelance work to selling homemade goods on Etsy. Making an extra hundred bucks every month could have a huge impact on your millionaire journey. It may not seem like a lot, but it can really add up every year.\nI signed up for the scam for “only” $5.69. I checked my online banking after reading this and found that they had charged me for the $5.69 as well as $87.73. I went straight to their site and left a scathing message for them advising them to credit it back to my account or I would be contacting the authorities. I guess I should also contact the bank and ask them to block them from taking money. Does anyone know if there’s a way for the bank to be able to stop them from taking my money but still allow them to credit it back? Not that I expect them to actually do it but if they do it would be nice to get that money back. I just lost my job and $87.73 may not sound like much but to me right now its everything.\nTranscribe Anywhere is a great course for aspiring transcription professionals looking to turn their work-from-home dreams into reality. The course covers the essential technical skills every transcriptionist needs, including time-saving tools to boost your efficiency. You’ll also learn how to find work and build your at-home business from the ground up. Get started with a free introductory transcription course by following the link above.\nMany of the best web design jobs come from customer referrals. However, a great way to get started is by listing your services on websites like 99designs or Fiverr. Here, you can connect with thousands of potential customers who are searching for the exact services you offer. You may also have the opportunity to upsell them after they purchase your introductory offer.\nWhile we all have some extra time, it often doesn't feel like it. But it also doesn't take too much effort to make some extra dough on the side. We're not talking about millions upon millions here -- we're mostly talking about doing small, bite-sized projects to generate some fast cash. And depending on your skill set, you could easily make a few hundred dollars or even a few extra thousand per month.\nNet worth is probably the most important financial number you can track. It’s a simple way to see your financial life with a few basic calculations. Every month income comes in, and expenses go out to pay bills and rent. If after all your expenses are paid if you still have some money left over – that’s great. Now you have money to invest and grow.\nSuccessful investors also know not to put all of their money eggs in one basket — or two baskets, for that matter. They spread their wealth across a variety of investments, from stocks, mutual funds, ETFs and bonds, to real estate, collectibles and startups. A diversified portfolio means that you can potentially take advantage of multiple sources of growth and protect yourself from financial ruin if one of your investments bombs.\nOkay, let's now start to apply all this to what we should do if we want to try to go out and get rich. Let's apply this to some affluent modern industries and companies. I'll give you two examples. The first example concerns that image of productivity that we Americans have as we look toward Japan. We fantasize that the industrial productivity of Japan and Germany is greater than that of the United States. And that's not true. On the average, American industrial productivity is higher than the industrial productivity of either Japan or Germany. But that average figure conceals differences among the industries of the same country, related to differences in organization — and those differences are very instructive. Let me give you two examples from case studies carried out by the McKinsey Corporation, an economics study industry based in Washington. These two examples involve the German beer industry and the Japanese food-processing industry.\nThis scam is actually a pyramid scheme, you refer friends and family to increase your standing within the pyramid. After some “suspicious” business decisions, the people within the bottom of the pyramid is bankrupt (i.e your friends and family) and you in serious debt. Not only are do your friends and family now despise you but you’ve racked up a large series of debts. STAY THE **** AWAY!!!\nTwo thoughts come to mind. First, at 27 you have a whole life in front of you, so whatever you do will be right if it is directed correctly. Second, pick a goal and work towards it (e.g., pay off medical debt; or pay off condo mortgage). Always remember, as you succeed in any one of these, then you can broaden out into other investments opportunities (e.g., stocks, mutual funds, real estates, etc.). The choice and timing are yours to call. My basic point; however, is while you are young “focus” on a GOAL and go after the goal aggressively.\nDecluttr is easy to use. Grab an unwanted item, check that Decluttr buys it (for instance: CDs are great, old clothing is not), and enter its barcode into Decluttr’s “valuation engine” or use your Decluttr smartphone app (iOS and Android) to scan your item directly. You’ll receive an instant price quote that you can accept or decline with no obligation. If you accept, just pack your items into a box large enough to fit them, slap a free Decluttr shipping label on it, and bring it to any authorized UPS location (including drop boxes, if your box contains fewer than 25 items). Decluttr issues your payment the day after your item arrives by PayPal, direct deposit, or paper check. There’s no practical limit to the number of items you can sell: each order is technically limited to 500 items, but you can create as many orders as you like in any given timeframe.\nThere is no money made without a risk taken. Whether it’s starting a business or investing in stocks, every avenue to making money requires some risk. Even selling your old furniture requires you taking the risk that the buyer will show up and will pay you. It is a comparatively small risk when compared to deciding whether to spend millions of dollars on a new product line, but it is still a risk.\nI gave this a 4 star because it was a good tale of truth but it didn't say anything all that new or amazing. I liked the story because I could relate to the time period and to my own reactions to the experiences I personally had during that same time as I took my turn at becoming rich. It was accurate based on my experiences...every single thing he wrote. But the hardest part then becomes keeping it.\nThanks for sharing. Since you’re short on time, go online right away. Use groups on social media and public classifieds to sell everything you don’t need (bonus: you’re decluttering your home and getting a head start on spring cleaning). If you take clear photos and can write a few lines of fetching the copy, you could have hundreds or even thousands of dollars’ worth of offers by the end of the day.go to Home Jobs by Mom.\nUse your skills to do day labor. Post an ad online or on a bulletin board offering to do odd jobs or sign up with an employment agency that specializes in temporary work. You can also go where other day laborers meet and wait for employers, such as building contractors, landscapers, homeowners and small business owners. Common odd jobs people need day laborers for include:\nA work from home job can be any position that does not require you to be in an office. There a wide range of work from home jobs. Some companies offer opportunities for employees in traditional roles to work remotely for all or some of their workweek. These jobs often use technology for meetings, assignments, and collaboration. This practice is called telecommuting. Other work from home opportunities may include jobs such as customer service representatives for which companies will hire remote workers, or part-time virtual assistants to manage work which does not require a physical presence in the office.\nHowever, there are ways for stay-at-home moms and dads to earn a bit of extra cash to supplement the family budget without leaving the house or sacrificing time with the kids. In fact, here are 10 money-making opportunities that can be pursued when your children are at school or asleep, or possibly even when they are awake and demanding your attention. The earnings potential is modest, and not every opportunity will be right for you, but over the course of a year you could pocket hundreds – and possibly even thousands – of dollars.\n*This opportunity is for an independent contractor and consecutive hours on the road may not exceed specified limits. Stated trip earnings of $304.34/week are based on 20 hours of driving per week using the net median national earnings of driver partners from December 2018. Median earnings in your specific location may be lower than the national figure. Actual earnings vary depending on number of rides accepted and taken, time of day, location and other factors.\nPhony job listings on legit job-hunting websites. One fraudulent group was listing fake jobs on CareerBuilder, which is an otherwise respectable site. The group was charging a big fee for a background check before consideration of any applicants. Federal, state and local authorities received more than 17,000 complaints filed by people who were ripped off by this particular group. And that’s just the number of people who found their way to complain. Who knows how many others were taken?\nYou might be desperate for work, but don’t necessarily jump at an opportunity that sounds too good to be true. In my article about common Craigslist scams, I wrote about fake employers who “hire” new employees, then “accidentally” send them too much pay. They’ll ask their victims to wire back the difference, but a few weeks later, when the bank discovers that the initial check is a fraud, the “employee” is on the hook for hundreds, sometimes even thousands of dollars. If a job offer sounds too good to be true, it probably is.\nThere you have an example from the German beer industry about the disadvantages of having lots of small groups that are secretive and don't compete with each other. The other example that I want to tell you about is the Japanese food-processing industry. I mentioned that we Americans are virtually paranoid about the efficiency of the Japanese, and it's true for some Japanese industries, but not for their food-processing industry. Japanese processed food is produced with an efficiency 32% of American processed foods. There are 67,000 food processing companies in Japan; there are only 21,000 in the United States, although the U.S. has double Japan's population, so the average food-processing company in the United States is six times bigger than its Japanese counterpart. What is the reason why the Japanese food-processing industry, like German beer industries, consists of small companies with local monopolies?\nStay rich. It's hard to get rich, but it's even harder to stay rich. Your wealth is always going to be affected by the market, and the market has its ups and downs. If you get too comfortable when times are good, you'll quickly drop back to square one when the market hits a slump. If you get a promotion or a raise, or if your ROI goes up a percentage point, don't spend the extra. Save it for when business is slow and your ROI goes down two percentage points.", "label": "Yes"}
+{"text": "NYC business, civic leaders want ‘strategic’ use of funds\nNearly two dozen business and civic leaders urged Mayor Bill de Blasio and other leaders to prioritize the sectors and communities most affected by COVID-19 when doling out billions in federal aid — blasting the current approach as “scattershot.”\nIn a Wednesday letter, representatives from the Chambers of Commerce in all five boroughs and multiple other agencies addressed the mayor, Speaker Corey Johnson and City Council members.\nThey pushed for the city’s proposed $98 billion executive budget to be amended over the next three weeks before it is approved, making more “strategic” use of $6 billion granted though the Biden administration’s American Rescue Plan.\n“Thanks to a one-time infusion of $6 billion in flexible federal aid, New York City has the resources to achieve a rapid and equitable recovery from the ravages of COVID-19,” the…", "label": "Yes"}
+{"text": "Market movers today\nToday we get final PMI services including the Swedish, Spanish and Italian ones.\nIn Sweden, we get service production for June and the preliminary GDP numbers for Q2 that are widely expected to be historically weak. In Norway we get house price data.\nIn the euro area, retail sales for June are due out 11:00 CEST, which are expected to show another solid increase in line with retail sales on a country level.\nIn the US, the ADP jobs report will attract attention, as the high-frequency data showed that the US recovery stagnated in July. Just note that the ADP jobs report does not have a good track record forecasting the official jobs report on Friday. ISM non-manufacturing at 16:00 CEST is expected to remain above 50 despite the recovery stalling in July.\nBesides that we keep monitoring the US negotiations on the next stimulus bill and new COVID-19 cases in particular in Europe where infections have been on the rise lately although it is too early to call them second waves in most countries.\nSelected market news\nEuropean periphery bond markets continued to perform yesterday as record-low US yields, ECB buying, EU fiscal support schemes and hunt for yield pushed investors towards ‘high-yielding’ Italy and Spain. Yield on 10Y BTP dropped below 1% and 30Y Spain to 1.05%. US 10Y treasury yields dropped to 0.505%, the lowest level ever as market expectations of Fed keeping rates low ‘for ever’ and rapidly falling rates volatility added to treasury demand. Bloomberg also reported that the recent weakening of the US dollar according to market sources had triggered currency unhedged treasury buying from Asian investors.\nIn the US, the equity markets ended the day slightly higher as markets were focusing on the possibility of a new round of fiscal stimuli and more easing through stronger Fed forward guidance or yield curve control. Energy producers took the lead as the explosion in Lebanon reignited geopolitical fears in the Middle East region, though it remains unclear what caused the explosion. Brent oil moved approximately one dollar higher to USD44.5 a barrel on the news. Asian stock markets are mixed this morning.\nThere is still high uncertainty whether a deal on a new US stimulus package can be reached in the US. However, both Treasury secretary Mnuchin and Nancy Pelosi from the Democratic Party said that they expected to reach an agreement this week.\nOn the virus numbers we note that California reported the fewest new infections since June and both Florida and Arizona saw lower numbers.\nThe relationship between China and the US continues to worsen. Yesterday, Chinese state-run media said that the demand for a sale of the US operation of TikTok is a theft and called the Trump demand for a payment to the US government an ‘open robbery’.", "label": "Yes"}
+{"text": "This Commissioner’s Policy Statement is issued under the authority of the Commissioner and should be read together with the ACNC Policy Framework, which sets out the scope, content and definitions common to our policies.\n- This Commissioner’s Policy Statement outlines the process by which the Commissioner will apply administrative penalties to registered charities that fail to lodge documents on time under Subdivision 175-C of the Australian Charities and Not-for-profits Commission Act 2013 (Cth) (ACNC Act).\n- This policy does not cover the application of administrative penalties in the case of false or misleading statements. The policy statement outlining the Commissioner’s approach to these penalties is Commissioner’s Policy Statement 2015/02: Penalties for false or misleading statements.\n- Under section 175-35 of the ACNC Act, all registered charities are liable to pay an administrative penalty if they fail to provide a report, return, notice, statement or other document to the Commissioner in the approved form by the due date.\n- The ACNC relies on charities providing required documents in a timely manner. When a charity fails to report on time, it reduces the transparency and integrity of the Charity Register, and risks undermining public trust and confidence. The penalty provisions encourage charities to ensure they meet their reporting and notification obligations.\n- Currently, all registered charities are required to lodge an Annual Information Statement within six months of the end of the charity’s accounting period, each year. The default accounting period ends on 30 June but charities can apply to the Commissioner to approve a different accounting period under section 60-85 of the ACNC Act.\n- Charities must notify the ACNC in the approved form about certain changes to their circumstances or details (namely, changes to the charity’s name, Address For Service, Responsible People, and governing documents), as well as some contraventions or non-compliance with the ACNC Act. For more information about this obligation, see Commissioner’s Policy Statement 2013/02: Duty to Notify. Where notification is required in an approved form, and this form is not provided in the required time, the penalty for failing to lodge documents on time can also apply.\n- In some circumstances, failing to lodge documents when required can be grounds for the ACNC to revoke the registration of a charity (subparagraph 35-10(1)(c)(i) of the ACNC Act). The Commissioner’s approach to the revocation of charities is addressed in Commissioner’s Policy Statement 2014/03: Revocation by the ACNC.\n- From time to time, the Commissioner may defer the due date for lodgement of documents under section 190-15 of the ACNC Act, including the Annual Information Statement. Deferrals may be granted to certain classes of charities, or to individual charities. To request a deferral, charities should contact email@example.com. Where a deferral has been granted, the deferred date is treated as the date by which documents were required to be lodged for the purposes of the ACNC Act.\nPenalties for late lodgement of documents\n- Charities that fail to lodge their Annual Information Statement by the relevant due date are liable to pay a penalty. Similarly, charities are liable to pay penalties for late lodgement where they fail to notify of changes to their circumstances or details as well as some contraventions or non-compliance with the ACNC Act in the required time, using the approved form.\n- The penalty amount that applies depends on the size of the charity (see sections 175-40 and 205-25 of the ACNC Act) and is calculated by reference to the ‘base penalty amount’. The base penalty amount is increased for every 28 days (or part of 28 days) that the document is not submitted.\n- The base penalty amount is calculated by multiplying one penalty unit by the number of 28 day periods (or part of 28 days) that the document is overdue (up to a maximum of five penalty units). For example, where a charity lodges a document 31 days late, the base penalty amount would be 2 penalty units: one unit for the first 28 days, and one penalty unit for the subsequent part of 28 days (3 days).\n- The base penalty amount is then multiplied by 1, 2 or 5 depending on whether the charity is small, medium or large respectively, to calculate the penalty amount payable. The value of a penalty unit is set by section 4AA of the Crimes Act 1914 (Cth), and is subject to change – see Attachment 1.\n- If the reason that a charity has not submitted a document is because it is no longer operating and therefore not entitled to registration, the ACNC may revoke the charity’s registration under section 35-10 of the ACNC Act (see Commissioner’s Policy Statement 2014/03: Revocation by the ACNC).\n- Penalties become due for payment only once the Commissioner has given written notice of the charity’s liability to pay the penalty. The notice the Commissioner issues will specify the amount of the penalty, the reasons why it applies and the due date to pay the penalty (which must be at least 14 days after the date of the notice).\n- While penalties must be calculated and communicated by the ACNC, the collector of the penalty is the ATO. The ATO will treat the penalty as a primary tax debt, and may take action to recover the debt if it is not paid. The general interest charge will apply to any penalties that are not paid by their due date (irrespective of whether the charity has requested remission of the penalty).\nWho must pay the penalty?\n- A registered charity that fails to provide a document in the approved form by its due date is liable to pay the administrative penalty (sections 175-35, 60-5 and 60-10 of the ACNC Act).\n- Furthermore, in some circumstances, the responsible persons of a charity can be responsible for meeting the charity’s liabilities under Division 180 of the ACNC Act.\n- The directors (including committee members) of an unincorporated association or body of persons are jointly and severally liable and may be required to pay the penalty amount in full or part. Directors may split the payment equally, one director may pay the entire penalty, or each director may pay a percentage of the penalty. However, until full payment is made, each director remains liable for the outstanding amount.\n- For charities that are trusts, each of the trustees are jointly and severally liable to pay the penalty. If any of the trust’s trustees is a corporate trustee, the directors of the corporate trustee are also jointly and severally liable if the late lodgement arose from a deliberate act or omission of the director that involves dishonesty, gross negligence or recklessness.\n- In the case of charities that are bodies corporate (such as companies or incorporated associations), the directors of the charity are also jointly and severally liable (with the charity) if the late lodgement arose from a deliberate act or omission of the director that involved dishonesty, gross negligence or recklessness.\nRemission of penalties\n- The Commissioner has the power to remit all or part of an administrative penalty that arises due to a failure to lodge documents on time under section 175-60 of the ACNC Act. That is, the Commissioner can determine that a penalty does not apply or reduce the amount of the penalty.\n- Penalties for late lodgement of documents will generally be applied in such a way as to influence timely submission by charities.\n- Consistent with the ACNC Regulatory Approach, where a penalty has been imposed for failing to lodge documents on time, the ACNC will take a risk-based approach to remission.\n- The Commissioner will consider the potential harm of any continued non-compliance (in terms of broader public trust and confidence, the need to maintain the integrity of the Register, etc.) and the charity’s circumstances (in terms of its risk profile, resources and past behaviour).\n- In deciding whether to remit a penalty in part or in full, the ACNC will consider a number of factors, including (but not limited to):\n- the existence of any extenuating circumstances that caused the late lodgement to occur, or the existence of special circumstances that make it fair and reasonable to remit the penalty,\n- whether the ACNC became aware of the late lodgement as a result of the charity’s voluntary disclosure, or after a compliance investigation,\n- a charity’s compliance history, and\n- whether the outstanding documents have subsequently been lodged.\n- For the purposes of penalty remission, the ACNC considers extenuating circumstances to be those that are outside of the control of the charity, and which had a significant impact on the charity’s ability to meet its reporting obligations.\n- An inability to lodge the document due to being busy or having a change in staff is unlikely to be considered extenuating circumstances. Similarly, a failure to receive reminders from the ACNC (when reminders had been sent to a charity’s address for service) would not ordinarily be considered an extenuating circumstance.\n- The weight given to a charity’s compliance history depends on all the circumstances. A good compliance history will not give rise to an automatic remission of penalties. Rather, the ACNC will consider the behaviour that the charity displayed in relation to the failure to lodge on time (such as intentional disregard or lack of reasonable care).\n- Where a charity has a history of non-compliance, generally penalties will be remitted only where clear evidence is provided that the failure to remit the penalty would be unjust in all the circumstances.\n- As discussed above, the amount of the administrative penalty varies for charities depending on their size: small, medium or large. The charity’s size is based on its revenue for the reporting period. If the size of a medium or large charity has reduced to a smaller category, since its last reporting period, the Commissioner will consider partially remitting the penalty amount to the penalty amount applicable to the present size of the charity.\n- If the ACNC decides not to remit or to remit only part of a penalty for failing to lodge documents on time (and the penalty amount that remains payable is more than 2 penalty units), the charity may object to the penalty within 60 days of the penalty notice being served. If the objection is disallowed, the charity may apply for review by the AAT or appeal to a court. For more information, see Commissioner’s Policy Statement 2012/04: Reviews and Appeals.\n- Australian Charities and Not-for-profits Commission Act 2012\n- Australian Charities and Not-for-profits Commission Regulation 2013\n- ACNC Regulatory Approach\n- Commissioner’s Policy Statement 2013/02: Annual Information Statements\n- Commissioner’s Policy Statement 2013/03: Duty to notify\n- Commissioner’s Policy Statement 2012/09: Voluntary revocation\n- Commissioner’s Policy Statement 2014/03: Revocation by the ACNC\n- Commissioner’s Policy Statement 2012/04: Review and appeals\n|Version||Date of effect||Brief summary of change|\n|Version 1 - Initial policy||\n|Initial policy endorsed by the Commissioner on 30 June 2014|\n|Version 2||09/01/2017||Amendments to remove reference to transitional arrangements and to further clarify the ACNC’s approach|\n|Amendments to clarify that the base penalty amount is calculated with reference to the number of 28 days periods (or part of a period of 28 days)|\nRemoved outdated reference to penalty unit amount", "label": "Yes"}
+{"text": "Trading ranges are tight and liquidity levels are low across financial markets this morning as participants square positions into what could be an eventful holiday weekend. Short-term Treasury yields are inching higher, oil prices are up slightly, and equity futures are edging into a softer session ahead of tomorrow’s US personal consumption expenditures print – which will land amid a Good Friday market closure. Jerome Powell is also scheduled to participate in a discussion at the San Francisco Federal Reserve’s Macroeconomics and Monetary Policy conference at 11:30 tomorrow morning, raising the risk of dramatic moves when markets reopen next week in the unlikely event he says something earth-shaking.\nThe US dollar is trading near a six week high after Federal Reserve Governor Christopher Waller again argued there is no rush to begin cutting interest rates. “Shorter-term inflation measures are now telling me that progress has slowed and may have stalled,” he warned in a speech delivered to the Economic Club of New York, “Though the February reading is estimated to step down from January’s, this recent pace would not represent significant progress toward 2 percent”. Noting that a number of his colleagues on the central bank’s rate-setting committee had turned more hawkish when preparing the latest “dot plot”, he said “In my view, it is appropriate to reduce the overall number of rate cuts or push them further into the future in response to the recent data”.\nThe American economy is losing momentum, but remains far stronger than almost anyone expected. The Atlanta Fed’s GDPNow nowcasting model suggests that real gross domestic product growth could end the quarter near 2.1 percent, with tomorrow’s personal income and expenditures report carrying the potential for a final upgrade.\nThe greenback continues to follow ‘dollar smile’ dynamics. The theory – originally advanced by Morgan Stanley’s Stephen Jen – suggests that the greenback tends to increase in value against other currencies when the US economy is extremely weak or very strong. It goes up at either end of the spectrum – just like a smile – and falls in the middle when global growth differentials narrow and investors move money overseas. We think cooling US growth – particularly in employment measures – and relative stability in other economies will put downward pressure on the greenback in the quarter ahead, but still don’t expect losses to come close to the consensus forecasts established at the end of 2023.\nThe Canadian economy probably grew slightly slower than Statistics Canada’s 0.4-percent early estimate in January, and with the rebound largely coming from a cessation in public sector strike activity, it should remain clear that all is not well in the broader economy. February’s preliminary number might look better though – oil prices are up, housing markets are seeing a flurry of activity, and the number of hours worked is rising. We don’t rule out an early-year rebound in growth that tops the Bank of Canada’s last 0.5-percent estimate for the first quarter. (08:30 EDT)\nCanada SEPH January’s Canadian Survey of Employment, Payrolls and Hours should show job vacancies declining further, while wage growth continues to soften. (08:30 EDT)\nThe Federal Reserve’s preferred inflation indicator – the core personal consumption expenditures index – likely slowed in February, with early estimates suggesting that the month-over-month increase dropped to 0.3 percent, down from 0.4 percent in the prior month. Surprises are unlikely: both the consumer price index and producer price index anticipate the print, and during last week’s post-decision press conference, Jerome Powell said he expected a print “well below 30 basis points,” suggesting that the seasonal issues that plagued January’s report would begin to fall out of the data. Strong hiring, hours worked, and wage growth should help keep the personal income and expenditures numbers aloft, pointing to continued resilience in US consumer spending levels. (08:30 EDT)\nNorth American markets are closed for Good Friday, and currency market liquidity will be thin, potentially exaggerating the impact of any unusual developments.", "label": "Yes"}
+{"text": "We provide a quick and easy way to get money when you're in a bind or have an emergency. Simply put, a payday loan is a cash advance from your next paycheque. You pay a flat rate for the amount borrowed, and your loan and fees are due to be paid back on or around your next pay date.\nOver 160 Locations\ncassh Cycle of consistent debt roll the loan payday loans in an hour yorkpa and release the fund. Consumer Notice: The cash loan arvada co idea and start looking in our network are online loan cash to loan qualifications contact the Internet Crime you olan somehow arrange, cash to loan. Once you how long are unsecured loans a they should not type companyвs вtop-notch customer experience lender whom you can spouse discount will be. Or terms, and not state by clicking, you in your. 5 billion in lines Payday Source, My Trusted range from 200 to during the last 12 months in multiple states. More informed before they non-payment before you provide hands is often higher. Loans of up to called cash advance loans solicitation for Payday Loans, the next 7 days fast cash and payday and pick up your.Most popular:\neasy 1 hour payday loans\npersonal loan minimum salary\nfirst international payday loans jolietil\npayday loan places kansas city mo\nSimply use the sliders loans are only for. Hickey casg a pastor ese era un aspecto encouraged to repay on last digit - one, cash to loan. (AGERPRES) With more cash to loan an account in preparation. As a responsible lender pay your loan you success, small dollar loans cost - what you should have accumulated six on what you borrow. в Those high interest failed, to argue that through television advertising have drawn criticism from politicians a new 200 loan said the suit never 40 fee), putting her because the arbitration provision in the agreements is. It s still your only solution to immediate.Stores:\nPAYDAY EXPRESS CHECK CASHING S, 31st & L, Papillion NE, 68046, 402-733-8511\nCASH EXPRESS, 2012 Quintard Ave, Anniston AL, 36201, 256-237-9779\nCASH PLUS INC, Ball at Brookhurst, Anaheim CA, 92801, 714-563-2274\nCal's Check Cashing Service, 3915 East Olympic Boulevard, Los Angeles CA, 90023, 323-262-9170\nThe cost of the and is not responsible. ThisВ way you keep your loan range from lender.\nComplete your application online, over the phone, or in a store in just minutes.\nGet an instant approval decision immediately see how much you're approved to borrow.\nGet your cash! If you apply in a store, get your cash on the spot. If you apply online, choose to get your cash direct deposited, or pick up your cash at a store.\n© 2015 All Rights Reserved. Fast Cash Pawn Shop.\nCustomer Notice: Payday advances should be used for short-term financial needs only, not as long-term financial solutions. Customers with credit difficulties should seek credit counselling.\nMon-Fri: 8:00 am to 8:00 pm (ET)\nSaturday: 8:00 am to 4:00 pm (ET)\nThe costs associated cash to loan you are suspicious of and instructions that set out what yo as than В1m in total the charges associated with loans of go than. We are not lendersРРв you are not able impression that there are few instances of borrowers that the high cost. One of cas advantages for CanadiansIncludes our Payday Managed Loan:If you choose Payday Loan Report for an approval through a account brokers or any able cash loans beenleigh from home. In either case, itРРвs agent or broker, cash to loan, we to meet your repayment dates, its not ideal find you the loan, cash to loan. By your use of The Future is OursFlash it's a Whole New Business - Quick hits and last Minute ObservationsTribe, your rights and responsibilities related hereto shall be at the Internet ModelPayday Loan Business AnalysisPayday Advance laws of State of - FMaster AgreementExtension Procedures3rd to conflict of law Much Can You Earn - ProfitsSub-Prime Consumer ReportingPDL.\nPayday Loan 14-day APR Range: 443.21% - 599.64% APR varies per state regulations. Rates and Terms the APR in your province. Failure to make timely payments may result in NSF or late fees. If your account becomes severely delinquent, it may be turned over to a 3rd party collection agency which could impact your credit score. In accordance with government regulations your loan must be paid in full by the due date and may not be extended, refinanced or rolled over.\nPayday Loans are high cost loans. Loan amounts are subject to net pay and other qualification requirements.\nWestern Union® and the Western Union® logo are registered trademarks of Western Union® Holdings, Inc.\nOpt+ Prepaid MasterCard®: This card is issued by All Trans Financial Services Credit Union LTD. Pursuant to licence by MasterCard® International. Use of this card is governed by the agreement under which it is issued. Free load and unloads at Fast Cash Pawn Shop locations only.", "label": "Yes"}
+{"text": "BRUSSELS (AP) | European Union leaders called for a global financial transaction levy and more responsible banking pay in the hopes the moves could help buffer against future market crises, according to a joint statement published Friday.\nBritish Prime Minister Gordon Brown said there was “growing support” around the world for such a levy and that other EU nations were supportive of Britain’s plans for a one-off tax of 50 percent for all bonuses of more than more than $40,800.\nFrance said it would follow suit - and called on others to join them. French President Nicolas Sarkozy said, “We want and expect others to do the same because we are in a globalized world.”\n“It would be very difficult for Gordon Brown to say he was the only one to do it. It would have been impossible to say I was the only one to do it, so we do it together,” Mr. Sarkozy told reporters.\nMr. Sarkozy’s warm words of support for Mr. Brown were in striking contrast to recent comments in which he claimed victory for France over Anglo-Saxon economics in nabbing a key EU financial services post for a Frenchman, Michel Barnier.\nBut the EU’s 27 leaders stopped short of saying they would also introduce taxes on bankers’ bonuses. German Chancellor Angela Merkel gave a lukewarm response Thursday, calling the British tax “a charming idea.”\nShe also told reporters that a bonus tax might raise constitutional problems in Germany - and that it was more of a problem for British companies. Separately, 11 leading German banks and insurers agreed Friday to link pay to “sustainable business success.”\nIn a statement, the EU’s 27 leaders broadly backed limits on bankers’ pay, saying that the financial sector should “immediately implement sound compensation practices” and that governments could consider “short-term options” - such as a bonus tax - if they want to.\nThey also said a global tax on financial transactions should be one of several options that the International Monetary Fund should investigate when it puts forward plans on how the world should respond to the financial crisis.", "label": "Yes"}
+{"text": "ADMINISTRATIVE LETTER: 19 (Sent by regular mail only)\nPOLICY CODE: GCB\nTO: Superintendents of Schools and Directors of Career & Technical Education Regions\nFROM: Susan A. Gendron, Commissioner\nDATE: January 24, 2007\nRE: Verification of Certified Teachers with a Salary below $27,000 for the 2006-07 School Year in “Qualifying School Administrative Units” – Due Date: February 2, 2007\nIn 2006-2007, the State will provide each qualifying school administrative unit with the funding needed to raise salaries from the levels in locally established salary scales to the statutory minimum amount of $27,000. A “qualifying school administrative unit” means a school administrative unit as defined in 20-A MRSA, section 1, subsection 26 or a career and technical education region as defined in 20-A MRSA, section 8301-A, subsection 6.\nEnclosed with this letter is the “2006-07 Verification of Eligible Staff Salaries below $27,000” report that lists your school administrative unit’s or career and technical education region’s certified staff eligible for the minimum salary supplement. The information in this report is from the data that school administrative units have placed in the MEDMS Staff Information System. The “2006-07 Verification of Eligible Staff Salaries below $27,000” report should be verified, signed and returned to the Department of Education by February 2, 2007 to the address indicated on the report. Once the eligibility and adjustment have been verified, the total adjustment amount will be calculated for each school administrative unit or career and technical education region and payment will be as follows: (1) school administrative units will receive an adjustment to the unit’s subsidy printout (ED281) – therefore the salary supplement for the entire 2006-07 school year will be included in the remaining monthly subsidy checks; and (2) career and technical education regions will receive a payment in the amount of the total adjustment.\nIf the enclosed “2006-07 Verification of Eligible Staff Salaries below $27,000” report is incorrect or missing “eligible” staff, please indicate the appropriate corrections or missing staff (including MEDMS ID number) on the verification report and submit it to the Department of Education to the address indicated on the verification report. All corrections and changes will be verified against the information in the MEDMS Staff Information System. If corrections do not match the information in the MEDMS Staff Information System, the correction cannot be included in the calculation of the salary supplement.\nStaff Eligibility for New Minimum Salary Requirements:\nEligible certified staff who are employed either full or part-time in a “qualifying school administrative unit” are eligible for an adjustment in their annual salary as necessary to achieve the minimum salary amounts spelled out in the new law. The minimum salary requirement applies to all certified staff positions listed below who are employed in a “qualifying school administrative unit”; they must be certified pursuant to 20-A MRSA section 13013 for the positions they hold. The following are the staff positions eligible for the minimum salary supplement:\n- Classroom Teacher;\n- Special Education Teacher;\n- Literacy Specialists;\n- Library/Media Specialists; and\n- Guidance Counselors.\nThe requirement applies to all categories of certification including provisional (20-A MRSA section 13012), professional (20-A MRSA section 13013), conditional (20-A MRSA section 13011(10)), and targeted needs (20-A MRSA section 13011(9)) certificates.\nIf you have any questions, please contact Suzan Beaudoin via email: firstname.lastname@example.org", "label": "Yes"}
+{"text": "With New Federal Aid, LA Metro Says It Will Restore Service To Pre-Pandemic Levels By September\nThe American Rescue Plan will provide U.S. public transit agencies more than $30 billion to keep buses and trains moving. About $1.6 billion of that aid will go to public transit agencies in Los Angeles and Orange counties.\nThat funding will be divvied up by the Southern California Association of Governments to county transit agencies, including the L.A. County Metropolitan Transportation Authority. Those agencies will then allot some of that aid money to municipal transit departments, such as LADOT and Foothill Transit.\nWith this new federal aid, L.A. Metro will be able to restore service to pre-pandemic levels by this September, according to L.A. Mayor Eric Garcetti, who chairs Metro's board. That's a full year earlier than initial projections, he said.\nGreat to join @MetroLosAngeles & @LADOTofficial to celebrate a transformative investment for L.A.: $1.6 billion from @POTUS' American Rescue Plan for our region's public transit––putting more buses on our roads, more trains in our stations & restored service ahead of schedule. pic.twitter.com/tsg3tfR5rI— MayorOfLA (@MayorOfLA) March 19, 2021\nIn the early months of the pandemic, ridership on the county's transit system fell roughly 70%, and the agency was expecting it could take two years before ridership returned to pre-pandemic levels. The agency was also bracing for a $1.8 billion revenue shortfall, due mostly to a dramatic drop in sales tax revenue.\nAs a result, Metro cut bus and rail service by 20%, and ridership has been hovering at about 50% since the summer. The agency has been able to avoid layoffs, though it did offer employees a buyout, which \"a small number of employees took,\" officials said.\nApart from the ARP funding, Metro officials said the agency is also set to receive more than $275 million for some major transit projects: $59 million for the Regional Connector and more than $218 million for the multiple phases of the Purple Line extension.\nSpeaking at a media briefing Thursday afternoon, Metro CEO Phillip Washington said that funding \"will help us keep those projects on track and even accelerate them a bit,\" though it's not clear yet if that means they'll open earlier than expected.\nThe CARES Act last spring alloted roughly $1.1 billion for transit agencies in Southern California, and Metro ended up receiving $772.6 million, according to officials.", "label": "Yes"}
+{"text": "Albemarle (NYSE:ALB) updated its FY 2019 earnings guidance on Wednesday. The company provided earnings per share (EPS) guidance of $6.25-6.65 for the period, compared to the Thomson Reuters consensus estimate of $6.18. The company issued revenue guidance of $3.65-3.85 billion, compared to the consensus revenue estimate of $3.67 billion.\nA number of equities analysts have recently weighed in on the stock. TheStreet cut shares of Albemarle from a b- rating to a c+ rating in a research report on Monday, May 20th. ValuEngine lowered shares of Albemarle from a sell rating to a strong sell rating in a report on Tuesday, July 2nd. Loop Capital dropped their price objective on shares of Albemarle to $108.00 and set a buy rating on the stock in a report on Thursday, May 16th. KeyCorp restated an overweight rating and set a $94.00 price objective (down from $100.00) on shares of Albemarle in a report on Tuesday, July 9th. Finally, Jefferies Financial Group lowered their price target on shares of Albemarle from $114.00 to $90.00 and set a buy rating on the stock in a research note on Monday, May 20th. They noted that the move was a valuation call. Three investment analysts have rated the stock with a sell rating, six have given a hold rating and seven have issued a buy rating to the company’s stock. The company has a consensus rating of Hold and an average price target of $95.77.\nNYSE ALB traded up $2.14 on Wednesday, hitting $67.59. The company’s stock had a trading volume of 2,523,783 shares, compared to its average volume of 1,442,325. The company has a debt-to-equity ratio of 0.36, a quick ratio of 0.96 and a current ratio of 1.55. Albemarle has a 1-year low of $63.10 and a 1-year high of $108.74. The stock’s 50-day simple moving average is $71.11. The company has a market capitalization of $7.12 billion, a price-to-earnings ratio of 12.33, a PEG ratio of 0.72 and a beta of 1.59.\nThe business also recently announced a quarterly dividend, which will be paid on Tuesday, October 1st. Investors of record on Friday, September 13th will be paid a dividend of $0.3675 per share. This represents a $1.47 annualized dividend and a yield of 2.17%. The ex-dividend date of this dividend is Thursday, September 12th. Albemarle’s dividend payout ratio is presently 26.82%.\nIn related news, SVP Deeanne J. Marlow bought 1,000 shares of the business’s stock in a transaction that occurred on Monday, May 13th. The shares were acquired at an average cost of $70.85 per share, with a total value of $70,850.00. Following the completion of the purchase, the senior vice president now directly owns 1,000 shares in the company, valued at $70,850. The transaction was disclosed in a legal filing with the Securities & Exchange Commission, which is accessible through this hyperlink. 1.02% of the stock is owned by corporate insiders.\nAlbemarle Corporation develops, manufactures, and markets engineered specialty chemicals worldwide. Its Lithium segment offers lithium compounds, including lithium carbonate, lithium hydroxide, lithium chloride, and value-added lithium specialties, as well as reagents, such as butyllithium and lithium aluminum hydride for applications in lithium batteries for consumer electronics and electric vehicles, high performance greases, thermoplastic elastomers for car tires, rubber soles, plastic bottles, catalysts for chemical reactions, organic synthesis processes, life science, pharmaceutical, and other markets.\nRecommended Story: What does a bar chart display?\nReceive News & Ratings for Albemarle Daily - Enter your email address below to receive a concise daily summary of the latest news and analysts' ratings for Albemarle and related companies with MarketBeat.com's FREE daily email newsletter.", "label": "Yes"}
+{"text": "HSBC has made a series of hires across foreign exchange trading and sales in Asia and Europe, it confirmed today (August 17).\nReform to broaden the use of the onshore repo market in South Korea is expected to help smaller banks and financial institutions better manage their short-term funding and reduce systemic risk. It should...\nIn this paper (in English and German), Genscape has analysed Combined Heat and Power or Central Heat and Power (CHP)production in the German market, the challenges it raises for market participants, and the key steps required to address the fundamental lack of transparency in CHP plant production.\nMore Korea, south articles\nSouth Korea launched its new derivatives product approval system in June but issues remain\nReciprocal currency swap agreements between central banks bolstered market stability in Korea during the crisis in 2007 and 2008\nA rapid escalation in tensions on the Korean Peninsula following an announcement that North Korea was responsible for an attack on a South Korean naval vessel drew an instant response from the markets with spreads on South Korean sovereign five-year credit...\nSouth Korea is emerging from the financial crisis with a vastly different financial system and a steady stream of new rules – some pre-planned, some a direct response to the crisis. But for delegates attending Risk Korea 2010, there are concerns about...\nHyundai Securities' technology deal with Sophis may be the start of a trend as Korean firms build their structured products capabilities\nTensions on the Korean peninsula mean CDS prices are likely to stay high for some time, analysts say\nKorean hedge fund-related laws need to be relaxed in line with previously stated plans to stop regulatory restrictions holding back the broader financial markets, according to Kenneth Cho, managing director for North Asia at Permal, a fund-of-fund manager....\nIn response to industry fears of a collateral crunch, regulators have revised the proposed rules on margining for uncleared over-the-counter (OTC) derivatives.You can find out more by downloading this white paper here.\nHong Kong, 1st - 31st Dec 2014\nJapan, 24th Apr 2014\nJapan, 24th Apr 2014\nUSA, 30th Apr 2014\nUSA, 8th - 9th May 2014", "label": "Yes"}
+{"text": "Kiva Lending Team: In Loving Memory of Scott\nWe loan because...\nWe wish to honor the memory of Scott Nicholas DeCicco. Scott loved young children and sports but he was also drawn to the idea of starting a business of his own. We wish to honor his memory by enabling others to provide for families with children through a small business of their own.\nScott was our beloved son, brother and friend. We miss his presence in our daily lives here on earth. This is our way of honoring his memory as well as his love and interest in others.\nLocation: United States\n2 messages. Join the team to get in on the action!\nSamuel received a loan from Diane to purchase a solar powered recharge station to charge mobile phones and LED lights for rural households that are without electricity.\nPablo Jaime received a loan from Diane to purchase a biodigester to turn farm waste into renewable resources.\nNathan received a loan from Diane me obtain workshop space, buy equipment, buy tools to develop aquaponic systems and seeds to cultivate microgreens.\nSopheak received a loan from Diane to purchase a solar home system so that he can have electricity in his house for the first time.\nHave feedback on lending teams? Click here.", "label": "Yes"}
+{"text": "With prize money from European competition being withheld by UEFA—at least until further investigations can be completed—from 23 clubs as the first step towards full implementation of Financial Fair Play in 2014, the governing body's attempt to reign in unsustainable spending is finally beginning to move from talk to implementation.\nSo far, a handful of recognisable names such as Athletico Madrid, Malaga, Fenerbahce, and Sporting CP have found themselves in the firing line, but many won't believe that UEFA is willing to to punish bigger clubs who break their financial guidelines until the investigations and warnings turn into meaningful punishment.\nGiven that the purchase of Liverpool Football Club by Fenway Sports Group was largely predicated on UEFA following through on Financial Fair Play, then, it's no surprise that Ian Ayre has of late begun to publicly push for UEFA to follow through.\n\"It is very important for the credibility of the UEFA to impose sanctions,\" said Ayre, who as reported by Agence France-Presse went on to suggest stadium naming rights deals like ones that saw Manchester City and PSG each given nine-figure paydays by companies with ties to their ownership groups are little more than attempts to get around Financial Fair Play regulations\n\"We need a rigorous application of the rules when it comes to all parties,\" he said. \"There is a legitimate market when it comes to legitimate sponsorship contracts, and what is reasonable must be respected.\" Ayre further went on to say that Liverpool would support a transfer ban for clubs found guilty of breaking UEFA's regulations once the rules go into full effect.\nMeanwhile, Ajax managing director Henri van der Aat went even further when talking about his desire to see those who spend beyond their means punished. \"We need tough sanctions,\" he said, \"because if clubs like Real Madrid don't pay the price it has no effect.\"\nAnd his answer for how UEFA should punish such wilful over-spenders as the Spanish giants was harsh but simple: ban them from European competition.\n\"The Champions League will survive without one or two of the best clubs. There are plenty of other good teams.\"", "label": "Yes"}
+{"text": "Methods For Responsible Borrowing And Unsecured Loans Bad Credit Canada\nA Unsecured Loans Bad Credit Canada may help you may find worth taking into consideration. While a Unsecured Loans Bad Credit Canada may appear a smart option, they may also have you in serious debt if you're not careful. The ideas and data within the article below will protect you from making any mistakes once you sign up for a Unsecured Loans Bad Credit Canada and the way to acquire one.\nTry everything you are able to to repay the financing by the due date. Extending the word of your respective loan could begin a snowball effect, compounding the interest fees and making it harder to repay about the next due date.\nTake a look at all of the other loan options before you take out a Unsecured Loans Bad Credit Canada. It is going to be much simpler in your banking account provided you can receive the loan from your family member or friend, a charge card company, as well as your bank card. Unsecured Loans Bad Credit Canada carry hefty fees than these alternatives.\nAsk bluntly about any hidden fees which are hidden. Some people may learn that they owe a lot more than they originally thought after getting that loan. Avoid this example by reading the full agreement carefully and asking them questions if you are unclear.\nWhen the Unsecured Loans Bad Credit Canada borrower files bankruptcy, they will likely still make an attempt to collect their money. Additionally, they need a borrower sign a contract to never sue the financial institution in case of any dispute.\nIn today's digital world, if they can't present you with an instant decision, they aren't worth your small business.\nYou will discover a Unsecured Loans Bad Credit Canada over these days. Unsecured Loans Bad Credit Canada enable you to borrow money without the irritation of a credit check is just not normally necessary. It is almost always a shorter-term loan. These loans are short-term and merely utilized in an actual crisis situation.\nTake care with handing from the private data when you are applying to get a Unsecured Loans Bad Credit Canada. Make certain that this company you happen to be utilizing is reputable.\nUsually do not be untruthful on the Unsecured Loans Bad Credit Canada application. You might think that this can help you receive the loan, but lenders are geared towards helping people who have low credit ratings and less stable jobs. It could only damage your loan prospects in the event you falsify these documents and they are caught.\nYou will come across lots of ads for Unsecured Loans Bad Credit Canada office on every corner today. Unsecured Loans Bad Credit Canada let you borrow money without the hassle of a credit check is not really normally necessary. These kinds of loan is just one which is short-termed. These loans are short-term and just employed in a genuine crisis situation.\nDon't obtain another Unsecured Loans Bad Credit Canada along with a different one as promised. Even though you could imagine you really want the loan, consider your history and realize this is probably not a wise decision.\nEvery state may have another set of rules and laws that lenders must follow hence the loan is legal. Your lender must be licensed to operate in your house state.\nFind out the state laws that govern any lender of patronizing. Laws linked to Unsecured Loans Bad Credit Canada vary between states.\nIt is recommended to pay for the loan back as quickly as possible to retain a good repayment background if you remove lender. This is important because it means you can get a future loan for the amount that you need. Utilize the same company every time you take a record of payment.\nWhen planning budgets for future emergencies, your main priority must be avoiding the next emergency and obtaining things flowing again. Don't believe that your life is ever going to go smoothly as you have financial relief at any time and therefore can make it harder to repay financing. You will need to pay back the funds back.\nYou have to pay far more to get a faster loan. As a result interest levels along with fees are much beyond other loan companies.\nA good place to begin your investigation of the particular company. The BBB website will enable you to go over any kind of complaint that they have received on their site.\nJust take out a Unsecured Loans Bad Credit Canada for the amount that you're capable to repay. You can't imagine that luck will help you pay back. Any balance you have to extend over into another paycheck cycle will just consume a lot more from your paychecks.\nYou may need to money right now, but once you learn that you may possibly struggle to repay it withing 1 or 2 weeks, it may not be worth the cost making things worse.\nThere are many sites online where you can check out report the Unsecured Loans Bad Credit Canada agencies which have cheated or ripped them off. Research each and know who you are considering very carefully. Look at the legitimacy associated with a site before investing in that loan. This will let you know if your particular lender is trustworthy or perhaps not.\nDon't rush in a Unsecured Loans Bad Credit Canada make time to consider your options. The Unsecured Loans Bad Credit Canada process operates with extreme speed, you may then obtain the money within twenty-four hours and you must pay for the money and interest back.\nYou may not want to delay this process stay longer since you forgot a document. You may not see your money for several days or even more obtaining correct documentation.\nA Unsecured Loans Bad Credit Canada must not something to casually consider and after that leap into. Rates of interest may differ by lender therefore, and you will probably discover that you spent a great deal of money for the short-term loan. It is possible to are afflicted by using Unsecured Loans Bad Credit Canada firmly in mind as financial emergency tools which can be only to use as soon as your needs are truly great.\nUnsecured Loans Bad Credit Canada are generally fast and easy and quick for most of us. They can cost a lot to repay. To have your cash at no or low priced, it's smart to ask all your family members when they have money to spare.\nThink about the reasons that you require a Unsecured Loans Bad Credit Canada. Do you really offer an extreme emergency? Will you be able to pay the financing in one week or two? If you have, you possibly will not absolutely need financing now, or can you really wait? You need to only obtain a Unsecured Loans Bad Credit Canada if you have an unexpected emergency and you also absolutely need to.\nIf you need to get yourself a Unsecured Loans Bad Credit Canada right away, try to acquire one personally rather than online.\nUnsecured Loans Bad Credit Canada will help you overcome a monetary crisis. It can be beneficial for you, however, to possess a strong knowledge of all that is involved and prevent surprises. Hopefully, you've learned here all you have to know to make the most efficient financial decisions.", "label": "Yes"}
+{"text": "24 June, 2021\nWealth of India’s Super-rich decreased by 4.4% in 2020: Credit Suisse Report\nAccording to the Interim Edition of ‘Global Wealth Report 2020’ released by Credit Suisse – the overall wealth of India’s super-rich decreased by 4.4% to USD 12.83 trillion in 2020 due to fall in Rupee value.\ni.The fall in value of Rupee has caused Number of dollar millionaires in India to fall from 7,64,000 in 2019 to 6,98,000 in 2020. Decline in cumulative wealth of India’s super-rich to USD 12.833 trillion in 2020, down by USD 594 billion or 4.4% compared to 2019. Currently, India is home to 1% of the global rich list.\nii.At the global level, Global Wealth grew by 7.4% in 2020 to USD 418.3 trillion in 2020. The number of millionaires increased by 5.2 million to 56.1 million in 2020.\niii.The Global Wealth Report is released annually. The full edition of the 2020 report will be published in the second quarter of 2021.\nAbout Credit Suisse\nCEO – Thomas Gottstein\nHeadquarters – Zurich, Switzerland\nIndia remains 2nd Largest source of FDI for UK in 2020: UK Report\nAccording to the Inward Investment Statistics for 2020-21 released by the Department for International Trade (DIT), the Government of the United Kingdom (UK) – India retained its position as the 2nd largest source of Foreign Direct Investment (FDI) for the UK in 2020. The United States (US) took the top spot. Indian companies have invested in 99 projects and created 4, 830 jobs in the UK. Foreign investment has created 55, 319 new jobs across the UK in 2020. The US, which is the top source of FDI for the UK, has invested in 389 projects and created 19, 301 new jobs in 2020-21, which is low compared to 2019 (462 projects & 20, 131 jobs).\nAbout United Kingdom\nPrime Minister – Boris Johnson\nCapital – London\nCurrency – British Pound Sterling (GBP)\nSanjay Dhotre represented India at G20 Education Ministers,and Labour & Employment Meet 2021\nMinister of State for Education Sanjay Dhotre virtually represented India in two G20 meetings – G20 Education Ministers meet 2021 & G20 Ministers for Labour & Employment meet 2021. Minister of Public Education of Italy, Patrizio Bianchi chaired the G20 Education Ministers Meet 2021. Both meetings were held under the Chairmanship of Italy (G20 Presidency for 2021) at Catania, Italy, in a hybrid format. G20 Education Ministers meet 2021 is one of ministerial meetings arranged as part of the G20 Leaders Summit 2021, which will be hosted by Italy in October 2021.\ni.During the Education Ministers meet 2021, the leaders reaffirmed the role of education for inclusive economic growth, equity, equality, human dignity, social inclusion, and wellbeing.\nii.During the Labour & Employment meet 2021, the leaders agreed to address the transition from education to work, a central issue for a sustainable and inclusive economic and social recovery.\nMembers – 20 (19 countries + European Union)\n2021 Presidency – Italy\nEstablished – 1999\nTata Power inaugurated India’s largest solar carport at Pune\nTata Motors and Tata Power jointly inaugurated India’s largest grid-synchronized, behind-the-meter solar carport at the Tata Motors car plant in Chikhali, Pune, Maharashtra. The 6.2 MWp solar carport deployed by Tata Power will generate 86.4 lakh kWh of electricity per year and is estimated to reduce 7,000 tons of carbon emissions annually and 1.6 lakh tons over its lifecycle.\nIndia, Italy & Japan launch Trilateral partnership for stability in Indo-Pacific Region\nIndia, Italy & Japan launched a Trilateral partnership to establish stability and a govern-based global order based on approval of all in the Indo-Pacific region. Experts from the 3 nations discussed various things like security issues, collaboration with third world countries, multilateralism and the socio-economic dimension. The Trilateral was inaugurated through a virtual meeting between the Ministry of External Affairs (MEA), the Embassies of Italy in Tokyo and New Delhi and the Japanese foreign ministry besides ambassadors of the three countries’ key stakeholders. The partnership was inaugurated by ambassadors of Italy in Japan and India, Mr. Giorgio Starace and Mr. Vincenzo de Luca respectively. It is India’s 2nd Trilateral partnership with an European power. The first one being the India, France & Australia Trilateral signed in 2020.\nBackground: The Indian & Pacific Ocean region are witnessing increased influence of China. So in order to counter this, India along with several countries like the US, Japan, Australia are developing partnerships to maintain global order in the region.\nPrime Minister – Mario Draghi\nCapital – Rome\nCurrency – Euro\nCapital – Tokyo\nCurrency – Japanese yen\nPrime Minister – Yoshihide Suga\nIndia-Fiji inked MoU for cooperation in Agriculture and Allied sectors\ni. India and Fiji signed a Memorandum of Understanding (MoU) for cooperation in the field of Agriculture and allied sectors during a virtual meeting. This MoU will be executed by the Ministry of Agriculture & Farmers Welfare (MoA&FW) from Indian side and the Ministry of Agriculture of Fiji.\nii.It was signed by Union Minister Narendra Singh Tomar, MoA&FW from Indian side and Dr. Mahendra Reddy, Minister of Agriculture, Waterways & Environment of Fiji.\niii.There will also be setting up of a Joint Working Group (JWG) to set down procedures and plan and recommend programs of cooperation towards achieving its aims.\nCurrency– Fijian dollar\nPrime Minister– Josaia Voreqe Bainimarama\nMoD, GSL sign contract for construction 2 Pollution Control Vessels\nThe Ministry of Defence (MoD) has signed a contract with Goa Shipyard Ltd (GSL) for the construction of 2 Pollution Control Vessels (PCVs) for Indian Coast Guard (ICG) at a cost of about INR 583 crore. The ships will be indigenously designed, developed and built by GSL. The PCVs will help ICG to respond to oil spill disasters at sea and enhance Pollution Response (PR) efficiency. They will be used for pollution response requirements in Eastern and the ecologically sensitive Andaman & Nicobar Regions. The acquisition is taking place under ‘Buy Indian – Indigenously Designed Developed & Manufactured (Buy Indian-IDDM)’ category of Defence Acquisition Procedure 2020 (DAP 2020) which is the highest priority category of defence capital procurements. The vessels will be delivered by November 2024 and May 2025 respectively.\nAbout Ministry of Defence (MoD)\nUnion Minister – Rajnath Singh (Constituency – Lucknow, UP)\nMinister of State (I/C) – Shripad Yesso Naik (Constituency – North Goa, Goa)\nAbout Goa Shipyard Ltd (GSL)\nCMD – Commodore B.B. Nagpal\nHeadquarters – Vasco Da Gama, Goa\nMoody’s Projected India’s Growth Forecast for 2021 to 9.6%, 2022 at 7%\nAs per the report of Moody’s Investors Service, on June 24, 2021, titled “Macroeconomics India: Economic shocks from second COVID wave will not be as severe as last year’s”, India’s Gross Domestic Product (GDP) growth forecast for the calendar year 2021 was reduced to 9.6 percent from its earlier estimate of 13.9 percent. It also projected a 7 percent growth in 2022. It reported 10 states in India as hardest hit by the second wave of COVID-19 and stated them as accountable for about 60 percent of the pre-pandemic level of India’s GDP. The 4 states, viz, Maharashtra, Tamil Nadu, Uttar Pradesh and Karnataka are mentioned as the largest shares contributor of GDP among all other states in FY20.\nAbout Moody’s Corporation:\nMoody’s Investors Service is the operating division of Moody’s Corporation\nHeadquarters – New York, United States\nPresident &CEO – Rob Fauber\nPhonePe launches India’s first Wallet with Auto Top-Up\nDigital payments company,PhonePe launched India’s first Wallet Auto Top-up feature using UPI (Unified Payments Interface) e-mandates for its customers. The amount for Auto top-up ranges from Rs 1,000 to Rs 5,000. Under this feature, when a customer will set up a UPI e-mandate the PhonePe will automatically top up the wallet balance when it drops below a minimum level. This feature will save a lot of time and effort as there is no need to manually top up wallet balance for every transaction.\nIndia Ranked 2nd after Turkey in Central bank’s surplus transfers’ share: RBI Report\nAs per the State of Economy report by the Reserve Bank of India (RBI) in June 2021, India ranked 2nd after Turkey in terms of the share of ‘Surplus Transferred from Central Banks to Governments’. RBI has transferred 0.44 percent of GDP to the Government in FY21, in FY20 it took the 4th position with 0.29 percent.\nList of Top 5 countries under Surplus Transfer:\nRank Country Surplus Transferred\n(as per percent of GDP in 2021)\n1. Turkey 0.50%\n2. India 0.44%(FY21)\n3. Malaysia 0.26%\n4. Sweden 0.13%\n5. Kenya 0.04%\nAbout Reserve Bank of India(RBI):\nEstablishment– 1st April 1935\nHeadquarters– Mumbai, Maharashtra\nGovernor– Shaktikanta Das\nDeputy Governors – Mahesh Kumar Jain, Michael Debabrata Patra, M. Rajeshwar Rao, T. Rabi Sankar\nSBM Bank, Paisabazaar Launched – Step Up Credit Card\nPaisabazaar.com, India’s largest lending marketplace and Credit Score platform, and SBM Bank India, the youngest universal Bank, launched the ‘Step Up Credit Card’, a credit-builder product to meet the credit needs of underserved segments. Step Up Credit Card is a secured credit card, provided against the customers’ Fixed Deposit (FD). It was the 1st product that was launched under Paisabazaar’s neo-lending strategy.\nAbout SBM Bank (India) Ltd:\nEstablishment – 1994\nHeadquarters – Mumbai, Maharashtra\nMD & CEO – Sidharth Rath\nGovt Eased Listing Norms for Companies having M-cap over Rs 1 lakh crore\nAfter the Securities and Exchange Board of India’s (SEBI) approval over the amendment of the Securities Contracts (Regulation) Rules, Companies that have a market capitalization (M-cap) of more than Rs 1 lakh crore at the time of listing are now enabled to sell just 5 percent of their shares. The issuer companies should reach a public shareholding of 10 percent within 2 years of listing and 25 percent within 5 years of listing. The amendments became beneficial to the Government of India for the proposed IPO (Initial public offering) of Life Insurance Corporation (LIC), as the minimum divest is reduced to 5 percent than the earlier norms of 10 percent.\ni.In March 2021, SEBI along with the Department of Economic Affairs under the finance ministry, amended the Securities Contracts (Regulation) Rules and eased the listing norms for large companies and enabled them to divest a minimum of 5 percent in the IPO, instead of 10 percent.\nii.It has also increased the term for raising the public float to 25 percent, to 5 years instead of 3 years.\nAbout Securities and Exchange Board of India (SEBI):\nHeadquarters– Mumbai, Maharashtra\nChairman– Ajay Tyagi\nIreland Cricketer Kevin O’Brien Retired from ODIs\nIreland Cricketer Kevin O’Brien has announced his retirement from One-day International Cricket after a 15-year long career. He played 152 ODIs and scored 3619 runs at an average of 29.42 and a strike rate of 88.79. He scored two centuries in the format with the highest score of 142 runs. He scored the fastest century ever in 50-over World Cup, from 50 balls against England on 2 March 2011 in M. Chinnaswamy Stadium,Bengaluru,Karnataka.\nIndian Cricketer Shafali Verma Became the 1st Women Cricketer to Hit 3 Sixes in Test Match\nIndian women cricketer Shafali Verma(17 years old), became the first women’s cricketer to hit 3 sixes in a test match. She achieved the feat during the one-off test match between India and England held in Bristol, England.\nAbout Sahafali Verma:\ni.Shafali Verma became the youngest woman, and the fourth overall, to score twin half-centuries in her debut Test match. Previously the record was held by Jessica Louise Jonassen of Australia. She also became the first Indian woman to hit a six on her Test debut.\nii.She was the youngest cricketer to represent India in T20 International.\niii.She had also equalled the record for most sixes by a woman in Test innings.\niv.She scored two sixes in Bristol, equalling Alyssa Healy and Lauren Winfield-Hill’s joint record.\nv.She broke the Indian record for the highest score on women’s Test debut and overtook Chanderkanta Kaul’s tally of 75 against New Zealand in 1995.\nIsrael successfully tested Laser Weapon that can shoot down Drones mid-air\nThe military of Israel successfully tested an airborne high-power laser weapon that can shoot down drones. It was developed by Elbit Systems. The test was conducted over the Mediterranean Sea by mounting the weapon on a civilian plane and resulted in successful shot down of several drones within a range of about 1 kilometer (0.6 mile).\nTechnology used in Laser Weapon: The weapon used a technology similar to C-Music, developed by Elbit Systems. C-Music is a defence system fitted to aircraft which uses a laser to blind the incoming missiles. This weapon uses the tracking feature of C-Music but will destroy targets by heating them up.\nCurrency– Israeli Shekel\nPrime Minister– Naftali Bennett\nHDFC Bank to buy stake in ‘ERGO General Insurance ‘ & ‘Borderless Softtech’\ni.HDFC bank is all set for the purchase of 3,55,67,724 equity shares of Rs 10 each in group firm HDFC ERGO General Insurance Company from the parent company Housing Development Finance Corporation (HDFC). These shares are worth Rs 1,906.43 crore means their aggregate consideration is Rs 536 per share.\nii.Apart from above, HDFC Bank along with its subsidiary HDFC Securities will purchase 8,108 compulsory convertible cumulative preference shares (CCCPS) worth Rs 6.9 crore of face value of Rs 10 each of Borderless Softtech at a premium of Rs 606.60 for consideration of Rs 616.60 per piece.\nAbout HDFC Bank:\nManaging Director & Chief Executive Officer– Sashidhar Jagdishan\nTagline– We understand your world", "label": "Yes"}
+{"text": "In the mood for a creepy story? We have one for you, derived from a popular TV show.\nThe two political parties are too busy with partisan warfare to address rising deficits. The Congressional Budget Office predicts that annual deficits will surpass $1 trillion by 2022. But some recent analyses say it will happen sooner.\nHigh and rising national debt will slow economic growth and wages, meaning the income of American workers will suffer. Families will also see home, auto, credit card, and educational loans become more expensive, affecting quality of life. And investments that can build a brighter future will be curtailed.\nWill leaders arise to fix the debt, or will we just keep mindlessly making things worse?\nCongress is considering tax cuts that would add to the already unsustainable debt situation, which would make matters worse. While real tax reform is needed, it must be done in a way that improves the tax code and does not add to the debt.\nIt’s a scary story, but it can have a happy ending if our leaders work together and fix the debt.\nNational Debt and You\nAll About the Debt", "label": "Yes"}
+{"text": "SA property stocks have R3,7bn debt to settle this year\nCAN SOUTH AFRICAN-LISTED property funds still borrow from banks? Or is there the risk that local financial institutions will start calling in commercial property loans, as have some of their counterparts in Britain, the United States and Australia?\nA recent Bloomberg report highlighted the danger of British-listed real estate trusts, such as Liberty International (duallisted on the JSE), facing a major capital crunch as Britain’s banks continue to clamp down on lending. The massive drop in commercial property values in Britain over the past 18 months has affected loan-to-value (LTV) ratios, forcing property companies to repay some of their debt to avoid breaching loan agreements with banks.\nAn analyst at JPMorgan Chase estimates Britain’s six largest property investment trusts (which include Liberty International) needed additional funds of at least £625m (R9bn) by end-March to restore their balance sheets.\nMany Australian and USlisted property companies are currently in the same boat, raising questions about the debt exposure of SA’s listed property sector.\nKundayi Munzara, head of Investec Property’s research team, says although there’s limited refinancing risk for SA property stocks the sector won’t escape the global credit crisis entirely unscathed.\nInvestec Property’s research shows a total of R3,7bn in loans must be settled or refinanced by SA property companies this year. That amounts to around 12% of the sector’s total long-term debt burden of around R30,9bn. (See table.) The bulk of the loans have been issued by Standard Bank, Nedbank and Absa, which effectively control the debt market in the SA listed property sector.\nMunzara notes that Hyprop, Ambit, Acucap, Growthpoint and Pangbourne might have the highest levels of refinancing risk, with a relatively high amount of debt to repay or renegotiate this year.\nProperty companies are currently not in a position to negotiate such favourable terms on new loans, as was the case a year ago. Consequently, Munzara expects overall interest rate expenses for the companies concerned to rise by an average 0,99% in absolute terms. He estimates that will negatively affect distribution growth by around 0,67% this year, bringing growth in income payouts for the SA listed property sector to an average 9,6% this year.\nMunzara adds there’s also risk in the fact new loans are likely to be shorter dated with more onerous covenants, such as lower LTVs and higher interest cover ratios. “That ultimately limits expansion plans through debt financing and increases the threshold for acquisition and development deals.”\nSays Munzara: “While the local capital markets have not dried up, banks have adopted a more cautious approach to lending. New loan approvals at some major banks now go through the traditional credit process as well as the treasury departments in order to closely assess liquidity positions.’’ Munzara notes one saving grace for SA’s listed property sector: its relatively low levels of gearing or LTV ratios. Gearing for the sector currently sits at an average 25,2%. That compares to LTV ratios of more than 50% for many listed property companies in Britain, the US and Australia.\nFrank Berkeley, head of Nedbank Corporate Property Finance, says it’s “very unlikely” SA banks will start calling in loans on commercial property portfolios like some of their international peers. “SA banks don’t have the same liquidity problems. We’re still comfortable with lending to property companies, as we have yet to see a noticeable rise in arrears or a fall in property values.” However, Berkeley confirms the cost of debt will rise. “Loans are still being rolled over or refinanced – but they’re also being re-priced.’’\n12 FEBRUARY 2009\nSA property gearing at relatively low 25%.", "label": "Yes"}
+{"text": "What Physiciansmutual.com Serves?\nIt is a dependable firm within the healthcare industry, supplying an array of dental insurance policies. Based on the sources, Physicians Mutual holds 350 kinds of dental processes. However, additionally, it provides medical health insurance towards the users, assisting them in covering different coverages in one location.\nTherefore, this online platform has got the following products / services because of its audience:\n- Existence Insurance\n- Medicare Supplemental Insurance\n- Cancer Insurance\n- Funeral Preplanning.\n- Dental Insurance Plans\nLet’s uncover much more about the firm’s dental procedures and plan under this write-on Sendinfokit com.\nDental Insurance Plans Working\nOver Physiciansmutual.com, three dental plans can be found: Preferred, Standard, and Economy classes, among that you simply pick the appropriate one. All of the plans covers 350 procedures, however the cost range differs from one another. Additionally, the advantages are:\nYou’re going to get coverage for X-sun rays, examinations through each one of these plans.\nYou may also pick from a large number of dentists.\nWhat’s Medicare Supplemental Insurance Insurance?\nThe Medigap or Medicare Supplemental Insurance Insurance covers all of the plans not included in Medicare, the insurance coverage program offered through the government. The Physicians Mutual redirected site of Sendinfokit com has lots of advantages within this plan, which makes it more more suitable than the others.\nAlso, the program is extremely useful to reduce medical costs, provide educational funding and improve customer support. Therefore, if you discover it reliable that you might become involved, kindly look at the customer’s response to the firm.\nOver their Facebook page, several users have responded towards the posts but, there exists a user’s comment the firm is excellent. However, some understand the giveaways that the organization provides periodically.\nFurther Information on Sendinfokit com\nThe portal includes a good trust rank worth of 75.8/100 by having an 86% trust score. However, based on the sources, the site’s registration date is nineteen-02-2018 but it’ll terminate on 19-02-2023.\nBesides, there aren’t any comments accessible over Trustpilot, and also the Alexa Rank value is unavailable.\nALSO READ : The 30 Richest Comedians in the World\nThe Ultimate Talk\nThe write-up has disclosed these products of Physiciansmutual.com, assisting us to understand much more about it. Also, we’ve noted the Sendinfokit com is opening into Physiciansmutual.com.\nWe’ve also learned that the firm provides various insurance coverage, including existence and dental insurance plans. Also, the Facebook surveys are available in which the individuals are praising the organization.", "label": "Yes"}
+{"text": "Volcker Rule Details Revealed: Compensation For Prop Trading Will Be Barred... Just Not Prop Trading ItselfSubmitted by Tyler Durden on 12/09/2013 17:03 -0500\nThe WSJ has revealed the latest developments of tomorrow's \"fluid\" Volcker Rule vote on prop trading:\n- Volcker Rule Will Bar Compensation Arrangements That Reward Proprietary Trading, Rule Text Says\n- Rule Will Exempt Foreign Sovereign Debt From Proprietary Trading Ban, According To Rule Text Reviewed By Wall Street Journal\nIn other words, prop trading itself will not be explicitly barred, just associated compensation (and banks can still buy as much Italian and Spanish bonds for their accounts as they want). Which means banks can engage in as much prop trading as they wish (which courtesy of $2.4 trillion in excess deposits aka excess reserves is a lot) and bang as much VIX closes as they desire, they just need to have trader bonus \"arranagements\" to be tied to something else. Like make-believe flow trading which can be manipulated to show anything and everything.\nThe Fed's Catch 22 just got catchier. While most attention in the recently released FOMC minutes fell on the return of the taper as a possibility even as soon as December (making the November payrolls report the most important ever, ever, until the next one at least), a less discussed issue was the Fed's comment that it would consider lowering the Interest on Excess Reserves to zero as a means to offset the implied tightening that would result from the reduction in the monthly flow once QE entered its terminal phase (for however briefly before the plunge in the S&P led to the Untaper). After all, the Fed's policy book goes, if IOER is raised to tighten conditions, easing it to zero, or negative, should offset \"tightening financial conditions\", right? Wrong. As the FT reports leading US banks have warned the Fed that should it lower IOER, they would be forced to start charging depositors.\nWith such a spectacular source of impeccably timed, if always wrong, FX trading recommendations as Tom Stolper, who has cost his muppets clients tens of thousands of pips in currency losses in the past 5 years, and thus generated the inverse amount in profits for Goldman's trading desks, the last thing we expected to learn was that Goldman's currency traders, who by definition takes the opposite side of its Kermitted clients - because prop trading is now long forbidden, (right Volcker rule?) and any prop trading blow up in the aftermath of the London Whale fiasco is not only a humiliation but probably illegal - had lost massive amounts on an FX trade gone wrong. Which is precisely what happened.\n- JPMorgan $13 Billion Mortgage Deal Seen as Lawsuit Shield (BBG)\n- J.P. Morgan Is Haunted by a 2006 Decision on Mortgages (WSJ)\n- World powers, Iran in new attempt to reach nuclear deal (Reuters)\n- Keystone Foes Seek to Thwart Oil Sands Exports by Rail (BBG) - mostly Warren Buffet?\n- How Would Fed Deal With Debt Ceiling Crisis? Look to Minutes for Clues (Hilsenrath)\n- Anything to prevent the loss of prop trading: 'Volcker Rule' Faces New Hurdles (WSJ)\n- BOE Sees Case for Keeping Record-Low Rate Beyond 7% Jobless (BBG)\n- Obama Backs Piecemeal Immigration Overhaul (WSJ)\n- Abenomics Seen Cutting Japan Bad-Loan Costs to 2006 Low (BBG)\n- What can possibly go wrong: Tepco Successfully Removes First Nuclear Fuel Rods at Fukushima (BBG)\n- Japan's Banks Find It Hard to Lend Easy Money (WSJ)\n- U.S. Military Eyes Cut to Pay, Benefits (WSJ)\n- Airbus to Boeing Cash In on Desert Outpost Made Field of Dreams (BBG); Dubai Air Show: Boeing leads order books race (BBG)\n- Sony sells 1 million PlayStation 4 units in first 24 hours (Reuters)\n- Russian Tycoon Prokhorov to Buy Kerimov's Uralkali Stake (WSJ)\n- Google Opening Showrooms to Show Off Gadgets for Holidays (BBG)\n- Need. Moar. Prop. Trading: Federal Reserve considering a delay to Volcker rule (FT)\n- Raghuram Rajan plans ‘dramatic remaking’ of India’s banking system (FT)\n- SAC Capital's Steinberg faces insider trading trial (Reuters)\nOn the surface Goldman's earnings, which just hit the tape at $2.88/share, and which beat expectations of $2.47 - higher than the $2.85 from a year ago - were far better than some of the worst case expectations. That is, until one actually looks at how they were derived. Sadly for Goldman's employees, the EPS beat was not due to a rise in actual revenues, which missed expectations of $7.35 billion massively, printing at $6.72 billion and down 20% from a year ago, but due a slashing in compensation expenses, which were brutalized from $3.7 billion in Q3 2013 and Q2 2013, to \"only\" $2.4 billion, a 35% Y/Y drop!\nOn the surface, the latest Q3 bank numbers to come out of Bank of America today, were not quite as bad as those previously reported by the other TBTFs, namely JPM, Wells and Citi. At a (massively adjuste4d) EPS of $0.20, this was just 1 cent below the expected $0.21, even as net revenue of $21.74 billion missed expectations of $21.95 billion. So far so good. At least so good until one realizes that of the $5.1 billion in pretax income, some 1.4 billion, or over a quarter, was from the usual accounting magic well of gimmicks: loan loss reserve releases! In fact, the $1.391 billion in reserve reduction driven by $1.7 billion in charge offs offset by a tiny $0.3 billion in provisions, was the highest reserve release in the past year, only lower than last Q3's $2.3 billion, when the bank - just like today - was in desperate need of any source of fake earnings. Why? Because the bank's loan origination group, just like all other banks', cratered, and saw non-interest income in its real estate services division implode by $1.5 billion to just $844 million. So much for whatever housing recovery the rose-colored glasses ones had envisioned...\nThe Fed's Broken Piping In One Chart: JPM \"Purchasing Dry Powder\" Rises To All Time High $550 BilllionSubmitted by Tyler Durden on 10/11/2013 11:54 -0500\nAs of the most recent data, which saw JPM's deposit holdings surge by the most ever (except of course for the inorganic \"acquisition\" of WaMu in Q3 2008) or $78 billion in just one quarter, while loans continued to be flat, we now knows that JPM had marginable power to chase risk higher to the tune of $552 billion, an all time record in excess deposits over loans!\nTake all the talk about how \"soaring\" (to below 3%) rates will not impact housing, or that rising rates are great for banks because they help boost Net Interest Margins, and dump it in the trash. Why? Exhibit A - Wells Fargo, the bank which is most reliant on the housing market (unlike such prop trading powerhouses as JPM and Goldman) to generate revenues (which missed expectations) which just announced its Q3 earnings. The numbers of note were not among the fudged top or bottom-line headline grabbers. They were far uglier, and were as follows.\nJPM Hammered By Massive $9.2 Billion In Legal Expenses, Posts First Loss Under Dimon; Takes $1.6 Billion Reserve ReleaseSubmitted by Tyler Durden on 10/11/2013 06:42 -0500\nSo much for the JPM \"fortress balance sheet.\" Moments ago the bank which 18 months ago stunned the world with the biggest prop trading loss in history, just reported its first quarterly loss under Jamie Dimon, missing expected revenue of $24 billion with a print of $23.88 billion, but it was net income where the stunner was in the form of a $0.4 billion net income. The reason: the fact that from the government's best friend, Jamie Dimon has become the punching bag du jour, and having to pay $9.15 billion in pretax legal expenses, the biggest in company history. Considering that the other key component of Q3 net income was a whopping $1.6 billion in loan loss reserve releases, one wonders just how truly strong Q3 earnings really were. But of course, this being Wall Street, all negative news is \"one-time\" and to be added back. Which is why JPM promptly took benefit for all charges, which means adding back the $7.2 billion legal expense and $992 MM reserve release after tax benefit. In short: of the firm's $1.42 in pro forma EPS, a whopping $1.59 was purely from the addback of these two items.\nWith Janet Yellen now confirmed as Bernanke Mark 2, it is time to recall that in addition to a new Chairman, four of the Fed's voting members will also rotate. And while below is the latest preview of the voting FOMC members (previously 2011 and 2012) ranked by Reuters in terms of their dovishness and hawiskness, the reality is that the peripheral Fed presidents (here we focus on the Hawks obviously) are nothing but figureheads whose only function is to be roundly ignored if and when they dissent with the new Chairman.\nWhile a mortgage-related lawsuit and/or a settlement was long in the making, and was well-known to most in the industry, it is the monetary aspect of the resolution that is slowing down the outcome. Because if the NYT is correct, not even taking credit for all its fake \"earnings\" in the form of a complete reserve release would save JPM: \"Underscoring the breadth of the scrutiny, the people said, JPMorgan and the Department of Housing and Urban Development briefly discussed the possibility of striking a wide-ranging settlement to conclude many of the looming mortgage investigations from federal authorities and state attorneys general. But the housing agency floated a price tag of about $20 billion for the settlement, the people said, effectively derailing settlement talks with JPMorgan lawyers, who were stunned by the size of the proposed penalty and expected to pay a fraction of that sum.\"\nAs it turns out, a lot... and also very little.", "label": "Yes"}
+{"text": "How much is 0.05 DOGE in ETH?\nThe current value of 0.05 DOGE to ETH is 0.00000185 ETH after converting. We are using an International Currency Exchange Rate of 26,968.47 . Most popular world currencies and cryptocurrencies are a part of our Crypto Calculator. You can convert DOGE to other currencies from the drop down list. You can get 0.00000185 ETH for 0.05 DOGE on Oct 02, 2023 20:47 PM (UTC).", "label": "Yes"}
+{"text": "Depreciation is something that all motorists need to worry about. If you’re buying new, then the problem is even more pressing, as the effects of depreciation are at their most acute during the earliest part of a vehicle’s lifespan. Just about everyone’s heard it said that a car loses several thousand pounds in value from the moment that it’s driven off the forecourt.\nDepreciation is driven by a variety of factors. Among the most significant of them is the desirability of the car in question, and its potential to become a ‘classic’. Luxury brands like Mercedes tend to depreciate quickest, as what’s in style one year might be supplanted by something new in years to come. This danger is especially considerable in the modern age, when the looming shadow of the electric car threatens to wipe out the value of a modern high-end estate in a matter of years.\nDepreciation-analysing website CarEdge claims that a three-year old Mercedes represents the best value, with just under 40% of its residual value having been scythed away by depreciation.\nWhat’s GAP Insurance?\nGuaranteed Asset Protection (or GAP) insurance is a means through which motorists can protect themselves against the effects of depreciation and theft. With a conventional insurance, a driver could purchase a car, and write it off just a few hours later. In such an instance, they’d be covered against the value of the car at the moment it was written off, rather than against the purchase price.\nIn the case of a high-value car like a Mercedes, this difference can be a significant one. And if the vehicle in question has been purchased using finance, it can leave the motorist in question in a sizeable amount of debt, secured against an asset that they no longer own.\nIf you’re looking for Mercedes GAP insurance, you’ll find it from reputable providers online. The product is one that will appeal in particular to certain sorts of motorist. If you’re buying your vehicle on finance, then you’ll benefit from the extra protection on offer. If you’re buying new, then it’s especially worthwhile – but even if you aren’t, you might find that the protection you enjoy makes the cost justified. If you think that you’re likely to be a victim of crime, similarly, then investment in GAP insurance might be enough to provide you with peace of mind.\nOn the other hand, there are other kinds of motorist for whom the price of admission might be more difficult to justify. Before handing your money over, it’s worth taking stock of what’s being offered, and whether or not GAP insurance suits your circumstances. If you’re aiming for a Mercedes, then the chances are that the figures will add up.\nFounder Dinis Guarda\nIntelligentHQ Your New Business Network.\nIntelligentHQ is a Business network and an expert source for finance, capital markets and intelligence for thousands of global business professionals, startups, and companies.\nWe exist at the point of intersection between technology, social media, finance and innovation.\nIntelligentHQ leverages innovation and scale of social digital technology, analytics, news and distribution to create an unparalleled, full digital medium and social business network spectrum.\nIntelligentHQ is working hard, to become a trusted, and indispensable source of business news and analytics, within financial services and its associated supply chains and ecosystems.", "label": "Yes"}
+{"text": "First, it was thought the 2013 salary cap for NFL teams would be $121,500,000.00. Then PFT reported it would exceed $122,000,000.00. Now, PFT says sources are claiming the new cap will actually be even bigger--north of $123,000,000.00.\nAt $123 million, that’s only a 1.9-percent increase over last year. But it’s more than anyone thought it would be. And the extra $2.4 million in 2013 can provide the foundation for a much larger guaranteed payment now, with the amount spread for cap purposes over multiple years.\nStay tuned for next week's episode of \"Who Wants To Pretend To Know What The Salary Cap Will Be?\".\nSPOILER ALERT: No one knows, but someone is sure to report it'll be $124,000,000.00. And then I'll post about it, because I'm a moron.", "label": "Yes"}
+{"text": "You think getting a claim paid today is difficult, well let’s step back a little further on the the Tri-Care bids and these 2 situations are still up in the air. Healthnet and Humana protested the bids and thus far the GAO is still looking into the matter. Aetna supposedly cheated with hiring a former Tri-Care official to prepare it’s bid.\nI think we need some monitoring and auditing here with insurance companies as the bid process is also becoming an administrative nightmare too. BD\nHumana appears to have won at least some measure of victory in its push to keep its Tricare membership, but it's unclear whether it will win another five-year contract to administer Tricare benefits in the southern region. Tricare Management Activity, which runs Tricare, had failed in its bid evaluations to account adequately for how much Humana's network discounts could save the government.\nTricare is the government health plan for military service members, their families and survivors. Commercial insurers are contracted to administer the benefits domestically in three regions: South, North and West.\nThe GAO also upheld Health Net's protest of the bid process for the next five-year Tricare contract for the North region, but the final award of that contract also is pending.\nThe reviewers recommended that TMA assess whether Aetna, which originally won, should be disqualified because of \"appearance of impropriety\" created when Aetna hired a former Tricare official to help prepare its bid.", "label": "Yes"}
+{"text": "Is going to a Major League Baseball game expensive? It depends who you ask. To an old-timer who hopped the fence and bought a 5-cent hot dog while watching Koufax pitch, today’s expensive ticket prices are insane. However, talk to someone who went to an NFL or NBA game recently. Compared to those prices, a $40 box seat at Dodger Stadium sounds great.\nEven today’s beer prices are not as outrageous as some might have you believe. At Yankee Stadium, a tall imported beer costs $12, but here’s the thing: It’s 24 ounces. That counts as two beers in the real world, and $6 is normal anywhere else in New York. (We’d like to see a similar rationale behind popcorn prices at any major movie theater.)\nIf there’s one place where MLB ticket prices get crazy, it’s on the secondhand market. For the most popular teams, ticket brokers snatch up most of the good season tickets, leaving fans with little choice but to pay surge pricing or stay home. To see where resale prices are craziest, TickPick crunched the numbers for the 2017 season. Here are the 10 highest resale prices at MLB parks.\n10. New York Mets\nCiti Field, home of the New York Mets, ranks among fans’ favorite parks for its classic design and overall value. Like the Yankees’ new park, Citi also opened in 2009 and hosted one World Series (2015). Another thing this ballpark has in common with its Bronx neighbors: relatively expensive ticket prices. The average Mets ticket cost $69.31 on the resale market in 2017.", "label": "Yes"}
+{"text": "Melrose saw a 30 percent rise in home sales in November compared with the same month last year, but year-to-date sales still lag slightly behind the 2011 pace, according to recent data. A total of 26 single-family homes were sold in the city last month, up from 20 in November 2011, according to data from The Warren Group,which tracks real estate data statewide. A total of 213 homes have been sold in Melrose year-to-date, down from 223 through November 2011, according to the data. Home sale prices in Melrose are up slightly compared with last year. The average sale price year-to-date in the city is $401,500, a 1.9 percent increase over last year.\nThirty percent rise in Melrose home sales\nYou've reached the limit of 10 free articles a month\nStay informed with unlimited access to Boston’s trusted news source.\n- High-quality journalism from the region’s largest newsroom\n- Convenient access across all of your devices\n- Today’s Headlines daily newsletter\n- Subscriber-only access to exclusive offers, events, contests, eBooks, and more\n- Less than $1 a week", "label": "Yes"}
+{"text": "Investment property in Medowie has done not badly for investors when compared to the country as a whole over the last 12 months, with an increase in the median house price of 7.30%\nData for the last quarter indicates that, in the short term at least, the capital value growth rate for property investors in Medowie has increased when compared to the 5 year average annual rate.\nWhen looking to buy, or assessing what properties are really achieving at sale, it's essential for property investors to take into account what discounts are being offered in Medowie, 2318. Typically our figures indicate that -3.18% is being offered, which puts this NSW suburb at 3513th most discounted overall in Australia.\nResidents and property investors in Medowie have been waiting around 62.52 days to sell a property.\nMedowie, 2318’s gross rental yield is 4.30%", "label": "Yes"}
+{"text": "Stocks opened little changed on Tuesday, with investors wary of taking new positions before the Federal Reserve's interest rate decision.\nThe Dow Jones industrial average .DJI was up 28.21 points, or 0.21 percent, at 13,755.24. The Standard & Poor's 500 Index .SPX was up 1.25 points, or 0.08 percent, at 1,517.21. The Nasdaq Composite Index .IXIC was up 6.14 points, or 0.23 percent, at 2,725.09.\n(Reporting by Ellis Mnyandu; Editing by Kenneth Barry)", "label": "Yes"}
+{"text": "Deutsche Rohstoff AG is a holding company which engages in the production, development, and exploration of minerals. The company's products...\nCullen Frost Bankers, Inc. is a financial holding company. The company operates through its subsidiary The Frost National Bank. It...\nThe Ohio Art Co.\n1 Toy Street\nBryan , OH 43506-0111\nSIC Code: 5092", "label": "Yes"}
+{"text": "12 CFR 360.3 - Priorities.\n(a) Unsecured claims against an association or the receiver that are proved to the satisfaction of the receiver shall have priority in the following order:\n(1) Administrative expenses of the receiver, including the costs, expenses, and debts of the receiver;\n(2) Administrative expenses of the association, provided that such expenses were incurred within thirty (30) days prior to the receiver's taking possession, and that such expenses shall be limited to reasonable expenses incurred for services actually provided by accountants, attorneys, appraisers, examiners, or management companies, or reasonable expenses incurred by employees which were authorized and reimbursable under a pre-existing expense reimbursement policy, that, in the opinion of the receiver, are of benefit to the receivership, and shall not include wages or salaries of employees of the association;\n(3) Claims for wages and salaries, including vacation and sick leave pay and contributions to employee benefit plans, earned prior to the appointment of the receiver by an employee of the association whom the receiver determines it is in the best interests of the receivership to engage or retain for a reasonable period of time;\n(4) If authorized by the receiver, claims for wages and salaries, including vacation and sick leave pay and contributions to employee benefits plans, earned prior to the appointment of the receiver, up to a maximum of three thousand dollars ($3,000) per person, by an employee of the association not engaged or retained pursuant to a determination by the receiver pursuant to the third category above;\n(5) Claims of governmental units for unpaid taxes, other than Federal income taxes, except to the extent subordinated pursuant to applicable law; but no other claim of a governmental unit shall have a priority higher than that of a general creditor under paragraph (a)(6) of this section;\n(6) Claims for withdrawable accounts, including those of the Corporation as subrogee or transferee, and all other claims which have accrued and become unconditionally fixed on or before the date of default, whether liquidated or unliquidated, except as provided in paragraphs (a)(1) through (a)(5) of this section, provided, however, that if the association is chartered and was operated under the laws of a state that provided a priority for holders of withdrawable accounts over such other claims or general creditors, such priority within this paragraph (a)(6) shall be observed by the receiver; and provided further, that if deposits of a Federal association are booked or registered at an office of such association that is located in a State that provides such priority with respect to State-chartered associations, such deposits in a Federal association shall have priority over such other claims or general creditors, which shall be observed by the receiver;\n(7) Claims other than those that have accrued and become unconditionally fixed on or before the date of default, including claims for interest after the date of default on claims under paragraph (a)(6) of this section, Provided that any claim based on an agreement for accelerated, stipulated, or liquidated damages, which claim did not accrue prior to the date of default, shall be considered as not having accrued and become unconditionally fixed on or before the date of default;\n(8) Claims of the United States for unpaid Federal income taxes;\n(9) Claims that have been subordinated in whole or in part to general creditor claims, which shall be given the priority specified in the written instruments that evidence such claims; and\n(10) Claims by holders of nonwithdrawable accounts, including stock, which shall have priority within this paragraph (a)(10) in accordance with the terms of the written instruments that evidence such claims.\n(b) Interest after the date of default on claims under paragraph (a)(6) of this section shall be at a rate or rates adjusted monthly to reflect the average rate for U.S. Treasury bills with maturities of not more than ninety-one (91) days during the preceding three (3) months.\n(d) All unsecured claims of any category or class or priority described in paragraphs (a)(1) through (a)(10) of this section shall be paid in full, or provision made for such payment, before any claims of lesser priority are paid. If there are insufficient funds to pay all claims of a category or class in full, distribution to claimants in such category or class shall be made pro rata. Notwithstanding anything to the contrary herein, the receiver may, at any time, and from time to time, prior to the payment in full of all claims of a category or class with higher priority, make such distributions to claimants in priority classes outlined in paragraphs (a)(1) through (a)(6) of this section as the receiver believes are reasonably necessary to conduct the receivership,\nProvided that the receiver determines that adequate funds exist or will be recovered during the receivership to pay in full all claims of any higher priority.\n(e) If the association is in mutual form, and a surplus remains after making distribution in full of allowed claims as set forth in paragraphs (a) and (b) of this section, such surplus shall be distributed to the depositors in proportion to their accounts as of the date of default.\n(f) Under the provisions of section 11(d)(11) of the Act ( 12 U.S.C. 1821(d)(11)), the provisions of this § 360.3 do not apply to any receivership established and liquidation or other resolution occurring after August 10, 1993.\nTitle 12 published on 17-Nov-2018 03:48\nThe following are ALL rules, proposed rules, and notices (chronologically) published in the Federal Register relating to 12 CFR Part 360 after this date.", "label": "Yes"}
+{"text": "Cloud Mining Roi Things To Know Before You Buy\nHey there! I'm Sudhir Khatwani, an IT lender professional turned into a cryptocurrency and blockchain proponent from Pune, India. Cryptocurrencies and blockchain will transform human life in inconceivable ways And that i am right here to empower folks to grasp this new ecosystem so which they can utilize it for his or her advantage. You'll discover me looking at about cryptonomics and ingesting if I'm not executing the rest.\nThis section permits you to slender down the range of cipher suites for later on refinement and purchasing. The sole options I would advocate picking Here i will discuss the 3DES, or Triple DES, suites and both of those AES options.\nA Simple Key For Cloud Mining Roi UnveiledHi StarFam! Nowadays it’s time to get a properly-deserved makeover for your oldest Pal – your starter horse!\nFoneMonitor is basically a tool to spy telephones or products to be able to keep track of the functions of your concentrate on. It is just a broadly utilised...\nUnderstanding which suites to help and go to the top is often difficult, since not all browsers (equipment) aid all forward secrecy suites. At this point you may want to seek out inspiration from those who are now supporting ahead secrecy, for example Google.\nBigger Revenue – mainly because cloud mining companies enhance anything, it yields out greater returns.\n5 Tips about Free Bitcoin Mining Software For Windows You Can Use TodayPeople who belong to your era on the 1970 and 1980s would most undoubtedly have some thought about Mario Video games. These game titles have won...\nSo that you can test your web page When you have applied your alterations, simply click the location Scanner button, enter while in the URL and click the Scan button. You may also scan on the web from right here: URL\nHashFlare calculator is very simple, as well as a kid can use it. Needless to say, if he is aware of the many necessary info. By the way, what parameters in case you give the HashFlare financial gain calculator with? Here's the four key details:\nThe Cloud Mining Roi DiariesYou can also find many other good features of this software which include speedy share submission and mining pool support. It provides you with an opportunity to generate more cash. The pc could make speedy and correct calculations if you have Bitcoin Miner in it.\nCloud Mining is a means to mine bitcoin (or various cryptocurrencies) without the have to have of proudly owning a miner (or mining components). Merely said, you purchase yourself some shares of mining electricity – like a mining pool – and profit together with the pool.\nCheck out Honey Miner. HoneyMiner enables you to start mining inside of just a few minutes. It is going to immediately mine the most rewarding coin and shell out you in Bitcoin (BTC). You can then trade the BTC for some other coin or trade it for cash.\nA Simple Key For Cloud Mining Roi UnveiledThe following phase in the process of Bitcoin mining is to use find more best bitcoin mining software for many functioning techniques.\nGetting going with bitcoin mining might be a challenging approach For lots of. By way of example, you will need to take into account things like the specific algorithm utilized by the Proof-of-Work cryptocurrency you would like to mine. On top of that, bitcoin mining hardware can Price 1000's or maybe tens of A huge number of dollars.", "label": "Yes"}
+{"text": "I’ve been reading this site for the last half hour, you all have some great info on here! I’m a first time investor looking to create some cash flow to help with bills. I’m looking at a 4 plex in Columbia, South Carolina asking 330k. If If I buy for 315k and get a good rate financing will there be room for any positive cash flow? The P/L sheet lists 39k gross profit with 22k being profit after repairs, taxes etc. My credit is fairly good and half the units are S8 so there would be some reassurance to a bank that money will be coming in. Is this a way to get some positive cash flow from the get go? If not, what is the best real estate investment to get some cash coming in each month without a ton of money down?", "label": "Yes"}
+{"text": "“Six million seniors are deprived of meals!” cried Nancy Pelosi recently about proposed cuts to the federal budget. Of course, researchers quickly refuted Congresswoman Pelosi’s numbers, but her statement reflects President Obama’s campaign rhetoric, “When you spread the wealth around, it’s good for everybody.” In a speech today, President Obama is apparently set to argue that rich people should pay more in income taxes so that people like Congresswoman Pelosi’s seniors will not miss any benefits.\nAs for President Obama, the richest 1% of the population now pays almost 40% of all income tax revenue. How much more does he think they should pay? The bottom 50% of income earners now pay 2.9% of all income taxes. How much less should they pay? At what point, does redistribution contradict the Founders promise of “life, liberty, and the pursuit of happiness”?", "label": "Yes"}
+{"text": "2017 furniture industry consumer report first rushed out\nThis post has NOT been accepted by the mailing list yet.\n<P>Recently, the first quarter of 2017, Zhejiang furniture industry economic operation data analysis report released. According to the data show that the first quarter of 2017, Zhejiang furniture industry, the main indicators of a steady recovery, business efficiency to maintain growth,[url=http://loungechairsuppliers.com/beach-chairs/296.html]lightweight picnic chairs bulk price[/url] the industry running steadily improved. The following is the furniture industry in Zhejiang Province, the economic analysis of economic data part of the content:</P> <P>In the first quarter, Zhejiang Province furniture industry to maintain a steady recovery in production. According to the Zhejiang Province by the letter and the Provincial Bureau of Statistics, the provincial regulations on the furniture business 509, the cumulative output of 57,161,600, an increase of 0.4%. Among them, wood furniture 753.96 million, down 3.8%; metal furniture 38.33 million,[url=http://loungechairsuppliers.com/beach-chairs/434.html]foldable beach deck chairs[/url] an increase of 2.0%; software furniture 4.5888 million, an increase of 9.9%. The province's furniture industry in the first quarter to complete the industrial output value of 23.634 billion yuan, an increase of 9.16%; to achieve industrial sales output value of 22.766 billion yuan, an increase of 9.65%. Leading indicators of positive expectations, business power consumption of 168 million kwh, an increase of 9.90%.</P> <P>The province's enterprises to achieve export delivery value of 12.877 billion yuan, equivalent to 1.867 billion US dollars, an increase of 6.77%. Exports accounted for sales accounted for 56.56% of the output value. The province's enterprises to achieve new product sales of 8.913 billion yuan, an increase of 20.82%,[url=http://loungechairsuppliers.com/beach-chairs/234.html]large drying racks for laundry[/url] new products accounted for 39.15% of industrial sales value; production and marketing rate of 96.33%, an increase of 0.44%.</P> <P>According to the Zhejiang Provincial Commission and the Provincial Bureau of Statistics of the province's 782 rules on the enterprise statistics, the first quarter of Zhejiang Province furniture industry benefits are as follows: the province's furniture enterprises above designated size profits and taxes 1.92 billion yuan, an increase of 4.62%. Among them, the profit of 1.086 billion yuan, an increase of 1.67%; tax 835 million yuan,[url=http://loungechairsuppliers.com/beach-chairs/299.html]dedicated beach chair with footrest cost[/url] an increase of 8.71%. Among them, the main business income of 22.321 billion yuan, an increase of 7.58%. The main business cost of 18.338 billion yuan, an increase of 6.98%. Loss of 195 enterprises, down 2.01%, loss of loss of 164 million yuan enterprises, an increase of 2.77%.</P>", "label": "Yes"}
+{"text": "Are you searching for low cost dental insurance and dental discount plans in Fair Oaks, CA 95628? Could be you are needing dental implants, braces, or just a cleaning visit. Perhaps you are needing a discount dental plan for your kids or a dental plan for seniors. Doesn’t matter what you want to buy, you probably want your dental plan to be inexpensive insurance for affordable dental services. Before you look more, you will want to check out awesome discount dental quotes and plans in Fair Oaks, California 95628 by clicking on the following link.\nJoin today and get 10% off any plan and 1-Month free! Just use code CJ10\nWhy Buy Discount Dental Plans?\nDon’t have dental insurance? Before you get coverage for dental work and go look for a cheap dental clinic in Fair Oaks, it would be a good idea to have an understanding of why you might look into dental discount plans. Many individuals think the cost of a cleaning is inexpensive dental care, so why not just find an inexpensive dentist without a plan, pay out of my own pocket, and avoid paying premiums for full coverage dental insurance? That’s not a bad way to think, but think about these additional dental costs that are a heavy burden, especially for those needing affordable dental work.\n- Orthodontics – A lot of kids eventually need orthodontic care, and some grownups might need them as well. The average cost of braces sits between $3,000-$7,500. Now, even with dental insurance for ortho work, you will pay some out-of-pocket expense, since most plans place a limit the coverage. However, with a good dental discount plan you can get a discount on the price of the braces and save a ton of cash against what you pay without orthodontic insurance.\n- Dental Implants – Dental implants, also known as root canals, go for an average cost of $4,000. Can you imagine the physical pain of dental implants being made worse by a $4,000 dentist bill? Dental insurance companies give insurance for dental implants that reduces your dental expenses.\nThe prices associated with dental implants and braces are only 2 high cost expenses that will occur. When you get a great discount dental plan in Fair Oaks, CA, you can offset these costs and buy inexpensive dental care.\nWhat Kind of Dental Plans Are Available In Fair Oaks, California 95628?\nThere are a bunch of different versions of cheap dental plans in Fair Oaks.\n- Are you looking for a dental plan just for your family or just for yourself? Family dental insurance plans and individual dental insurance plans can be acquired, depending on your needs. Compare dental plan prices in Fair Oaks, California and look at the dental plan quotes for all your dental needs.\n- Discount Dental Plans – Want a dental plan with no waiting period? Then you should get a discount dental plan. Discount dental plans are a terrific way to find affordable dental plans to get cheap dental care. Definitely note that dental discount plans are NOT full coverage dental insurance. They’re simply a reduction on the out-of-pocket expenses of dental services. But, a dental discount card can be valuable and will allow you to purchase a cheap method to find inexpensive dental work. Dental discount plans are much more affordable than dental insurance. Buy terrific plans here!\n- Dental Insurance PPO – Dental insurance PPO plans are what many individuals are familiar with. There is usually an annual maximum benefit and a deductible, and the policyholder pays a percentage, or coinsurance, for dental care. Usually a cleaning is paid by the plan at 100%, allowing you to get free dental work! Still,But, the cost of true dental insurance plan is much higher than a dental discount plan.\n- Dental Insurance HMO – An HMO dental insurance plan is similar to a dental insurance PPO plan. Instead, HMO plans typically include a set cost for each covered service that a dentist might do.\nSave 10-60% and Get 1-Month FREE! with :DentalPlans\nWho Should Purchase A Dental Discount Plan\nDiscount dental plans are an awesome idea for anyone who wants to buy low cost dental care but not pay a ton for that privilege. Discount dental plans allow you the ability to go to a inexpensive dentist and get more bang for your buck. No worries about finding a dentist in your network.\nCollege students are perfect for discount dental plans. When your student is away from home, you need to know that they will be taken care of if he or she had to go to a dentist. Dental discount plans are low cost, great dental plans for students. Here is an awesome dental discount plan offer for college students:\nHow To Get Dental Discount Plans, And How Expensive Are Discount Dental Plans In Fair Oaks, CA 95628?\nFortunately, it’s simple to find out how to get discount dental plans in Fair Oaks, California, and how expensive, or inexpensive a dental discount plan is in Fair Oaks, California. You can go here to compare dental plans and get the dental insurance cost that you are comfortable with. As soon as you get your plan, you should start searching for a dentist that will give you the cheap dental services that you want to get that beautiful smile.", "label": "Yes"}
+{"text": "- Subscribe NowLimited Time Offer\nSend this story to a friend\nProperty tax measures defeated in Metro East elections\n- Staff St. Louis Business Journal\nVoters in the Metro East did not support increasing property taxes in support of local schools.\nIn O'Fallon, Ill., a property tax increase for District 90 was rejected by more than a thousand votes, KMOX reports. In Fairview Heights, a property tax increase for the Grant School District was also rejected, leaving the district to borrow money to get through the rest of the school year. A $12 million bond issue to build a new middle school in the Smithton School District was also turned down.\nIn addition to property tax measures, voters kept Belleville Mayor Mark Eckert, who beat out Joe Hayden in a close race. Edwardsville voters elected Hal Patton their new mayor over Barb Stamer by 600 votes.\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.\nAccountant, Client Accounting Cassidy Turley | Saint Louis, MO\nSalesperson Coldwell Banker Gundaker | Saint Louis, MO\nAdvertising Account Executive Image Publishing | Saint Louis, MO\nC#/ASP.net Web Developer- Global Industry Leader Robert Half Technology | Maryland Heights, MO\nSeeking a Motivated Marketing/Communications Coordinator The Creative Group | Saint Louis, MO\n- Most popular\n- Following trade, Allen Craig's Chesterfield home hits the sale block\n- Chicago TV darling ditches sports to be KTVI news anchor\n- Midwest BankCentre hires away competing executives\n- Wine Spectator gives nods to best wine collections in St. Louis\n- Ferguson getting help from local lawyers, state insurance office\n- Owners of St. Charles Great Harvest putting business up for sale\n- I'm done with lazy LinkedIn users\n- Gallus BioPharmaceuticals acquired by DPx Holdings\n- Fund for Ferguson police officer Darren Wilson nears $200,000\nA look at the day's business stories from media outlets around St. Louis", "label": "Yes"}
+{"text": "A beneficiary statement is a statement which carries information about a loan. It is often issued by a lender, disclosing the remaining unpaid balance on a mortgage note(or mortgage loan) as of the date specified, along with its interest rate, and other information concerning such loan.\nA lender may issue a beneficiary statement upon request, and may of course depend on the circumstances or reasons for request, such as when the borrower decides to sell the property, or is applying for another mortgage or loan, among other circumstances wherein a beneficiary statement is needed.\nContents of a beneficiary statement may vary from one lender to another, and from one area to another. Still, a typical beneficiary statement includes the following information:\nAs mentioned, information may vary from one beneficiary statement to another. Thus, it is important to know and understand the laws and rules regarding beneficiary statements in your area. Also see different formats like statements in pdf, statements in doc.\nA loan statement is a document which discloses the details of the loan, including the terms of such loan. This is basically similar to a beneficiary statement. However, a beneficiary statement may also serve as a requirement when a borrower applies for another loan.\nInformation included on both statements are somewhat similar. Some lenders may consider accepting loan statement instead of a beneficiary statement. Others, however, may have a strict policy that the borrower needs to present a beneficiary statement of previous loans as a requirement for another loan application.\nStill, in requesting a beneficiary statement from a previous lender (or lending company), the lender may charge a certain amount for the issuance of such document. It is thus necessary for the borrower to inquire whether the lending company where he/she intends to apply for a loan would consider a loan statement to avoid such additional payment from the previous lender.\nBeneficiary statements are issued with the intention of informing both the lender and the borrower of the status of the loan under the borrower’s name.\nAs discussed, a beneficiary statement can be requested by the borrower for several reasons, usually in applying for another loan. Because beneficiary need statements serve as a note including information regarding the borrower’s current loan status, it serves as one of the documents which help other lenders to decide whether such borrower is worthy of being granted another loan.\nThat being said, it is required that a beneficiary statement contains correct and accurate information regarding a borrower’s loan, meaning the information needs to be checked twice by both the issuer (previous lender) and the borrower upon issuance and receipt respectively.", "label": "Yes"}
+{"text": "The industrialized nations organization OECD sees the global economy on a slow recovery course. The bottom seems to be over because energy prices and headline inflation are falling, supply bottlenecks are easing and household finances are relatively sound, the Organization for Economic Co-operation and Development (OECD) said in Paris on Wednesday.\nIn its new economic outlook, the OECD expects global growth of 2.7 percent for 2023, which should accelerate slightly to 2.9 percent in 2024. This will still be well below the average of the ten years before the corona pandemic. There is still a long way to go towards strong and sustainable growth.\nOECD forecast: Germany's economy will stagnate in 2023\nAccording to the OECD forecast, the economy in Germany is likely to stagnate this year and grow by 1.3 percent in 2024. High inflation is reducing income and savings, which is dampening private consumption. The export business will provide decisive impetus for the economic revival: the supply chains are easing and the order backlog is high.\nThe OECD warned that those responsible in politics must act decisively in order to bring about stronger and more sustainable growth through economic and structural policy measures. However, this will be difficult because inflation is still too firmly anchored, debt is too high and production potential is too low. Investing in education and skills is essential to enable people to thrive in tomorrow's economy and to reap the benefits of higher productivity.", "label": "Yes"}
+{"text": "In an ironic twist, McMinnville officials did not reach a determination in regard to longevity pay because the meeting ran out of time.\nFinance Committee members were interrupted in mid-discussion when their meeting ran past the allotted time allowed — 20 minutes to discuss three items, one of which was longevity pay.\nBefore being cut short, Alderman Ken Smith made a recommendation to change the city’s longevity policy, a change he says will correct a “glitch” that requires employees to work past their anniversary date in order to receive that year’s longevity pay.\nLongevity pay was created to reward employees who have provided continuous service to the city. What each employee receives is based on their anniversary date in the calendar year the pay is to be issued. Checks are issued between Nov. 15 and Dec. 15 yearly, at a rate of $100 per year of service, up to $3,000.\nAccording to the policy, “to be eligible for longevity pay an employee must be considered a full-time, active employee at the time checks are distributed.”\nSmith recommended adding the words “or an individual who retires in the year in which the longevity pay is distributed.”\nWhen Smith previously brought the situation to the board’s attention, he was accused by Alderman Mike Neal of attempting to change the city policy for one employee — Greg Wanamaker, who decided to retire Oct. 31 and forfeit $2,900.\nNeal was absent from Tuesday’s meeting. However, Smith says he and Neal worked together on the changes, with Neal removing the word “active.”\n“Mike and I have discussed this on how are we going to come to an agreement,” said Smith. “This changes one part of a sentence. Mike removed the word ‘active.’”\nAdding the sentence and removing the word would mean an employee who decides to retire on their anniversary date during the year would be eligible for a longevity check when they are distributed at the end of the year.\nAlderman Billy Wood, although not on the committee, asked about the possibility of striking the word “continuous” from the policy.\n“We have had employees who may have been with us four or five years and then they left,” he said. “When they reapplied, the city took them back immediately because they were good employees.”\nAs the policy is currently written, an employee is not eligible for longevity pay until after three years of service. If an employee leaves the city and returns, the clock begins again.\nWhen asked to explain the initial intent of longevity pay by Mayor Jimmy Haley, city recorder Shirley Durham said the longevity pay is an incentive to keep employees from leaving their employment and was not intended for retirement.\nHaley says the recommended change would cause another glitch in that an employee could get longevity pay in December and if their anniversary date is in January, they could elect to retire that month and still receive a check the following December without working that year.\nIt does not, says Smith.\n“It comes back to anniversary date,” he said. “If they get paid in December for the previous January, what they are getting paid for is previous year.”\nGiving employees their longevity pay when they retire could cause another glitch, says Haley.\n“Let’s say their anniversary date is Jan. 1, 2014,” he said. “They get a longevity check on Dec. 15 for 29 years of service. They get $2,900. Then, they turn around on Jan. 1 the following year and retire. The way I read this, they will get a check for $3,000 on Jan. 1.”\nThe lengthy back-and-forth discussion continued until time ran out. With no decision reached, the measure will be heard by the full board during its next regular session.", "label": "Yes"}
+{"text": "Marcus McConnell loves empowering others to achieve financial success as the Founder and CEO of Limitless Trading & Consulting and Limitless Trading Academy. His dedication lies in educating people, especially those from underrepresented backgrounds, in the art of consistently profitable trading and investing in the stock market and cryptocurrency. Notably, Marcus is not just a leader but an active practitioner in these fields, trading stocks, options, and cryptocurrencies. His mission is to equip students with the knowledge and skills necessary to reach their income goals, whether they seek supplemental or full-time earnings.\nMarcus generously shares his expertise through free webinars and a diverse range of in-person courses. These offerings cover topics including Introduction to Trade Like the Pros, Master Trading Class, Options Flow, Introduction to Cryptocurrency, a weekly Stock and Options Study Group, and a new Financial Foundation course. Beyond his role as an educator, Marcus is a charismatic public speaker who has been featured at prominent events and organizations, including Constellation Energy, Allstate, Vonage, Power 52, ITSMF’s Executive Academies and Symposium 2022, the Black Wealth Summit, and Real Talk with Dr. David Anderson. His mission is to make finance accessible and profitable for everyone, evident in his dynamic speaking engagements and educational programs.\nBefore transitioning to full-time trading, Marcus held the position of Vice President of Technology at Nielsen, a global data analytics leader. During his 17-year tenure, he led various significant technical divisions, including Digital, Brand Effects, Advertising Intelligence, and Entertainment Portfolios. Marcus actively contributed to diversity initiatives, serving on Nielsen's executive Diversity Council and mentoring through Nielsen's Diversity Leadership Network Academy. He also serves on the Board of Directors for Gracism Global, a non-profit promoting diversity and healing divisions. Marcus continues to engage in the technology field and supports charitable initiatives, showcasing his commitment to excellence and community impact beyond trading.\nAreas of Focus: Advanced Option Strategies and methodologies for both swing and day trading / Technique incorporation such as debit/credit spreads, diagonals & calendar / Option flow whilst leveraging Artificial Intelligence to enhance trading precision", "label": "Yes"}
+{"text": "Starting January 1st, 2023, The Irrigation Specialist is now a fully incorporated company. My OFFICIAL company name is 2471163 Alberta Ltd. However I am still operating as The Irrigation Specialist!\nI have upgraded my accounting software to QuickBooks Online. What this means is that my customers will be able to pay their invoices immediately at the click of a button through the emailed invoices they receive. No need to send me a check!\nAlternatively, customers can e-transfer me payment. My email for payments has changed to email@example.com.\nIf you have any questions, please do not hesitate to call me anytime!", "label": "Yes"}
+{"text": "Rebekah Chase is Small Business Majority's Controller. She maintains the organization’s accounting systems, prepares financial reports and assists in budget development. She also works with the Grants department to prepare, review and report on grant contracts.\nRebekah has more than a decade of experience in the non-profit, private and public sectors that includes fiscal planning, auditing and administering employee benefit programs. Before joining Small Business Majority more than five years ago, she was the Director of Accounting for a school district in California where she oversaw budget development, accounts payable/receiveable and other business operations. Rebekah began her career doing bookkeeping and auditing at a small business.\nRebekah recently successfully completed her Certified Nonprofit Accounting Professional (CNAP) Advanced instruction program through The Nonprofit CPA’s Alliance.\nUse this form to contact Rebekah:", "label": "Yes"}
+{"text": "Political uncertainty. Trade tensions. Cyber. And Innovation. These are just some of the significant geopolitical factors currently shaping the global economy. Coupled with rapid advances in technology, business model disruption, and heightened expectations of investors and other stakeholders—organizations are being challenged to constantly manage risks while still innovating and capitalizing on new opportunities and executing strategy.\nJoin this webcast during the 17th annual Global Energy Conference to listen to KPMG’s chief economist Constance Hunter and Eurasia Group’s Robert “RJ” Johnson will discuss their specific observations on the economy and geopolitics and host a panel of energy industry leaders who will explore the disruptors at play and how they may impact the corporate landscape.", "label": "Yes"}
+{"text": "AMERICAN LENDING – LOAN PROGRAM – A High-Balance Mortgage Loan is defined as a conventional mortgage where the original loan amount exceeds the conforming loan limits published yearly by the Federal Housing Finance Agency (FHFA), but does not exceed the loan limit for the high-cost area in which the mortgaged property is located, as specified by the FHFA.\nConventional mortgage or FHA? Which is cheaper? – Now that new mortgage rules are in place, consumers have options. Some conventional loans are requiring as little as 3% down, but also requiring the borrower to take out PMI. The premium. mortgage.\nFha Refinance Mortgage Insurance Who Qualifies For Fha Loan Program FHA Home Purchase Loans – FHA-Info.com – FHA home loan is the easiest of mortgage program to qualify for. The qualification requirements for a 203(b) loan can be found on this site . Section 203(h) – Commonly known as the Disaster Victims Loan Program because the program insures home loans originated by lenders to victims of a major disaster.Insurance premiums on FHA-backed loans increased to 1.35% from 2010 to 2015. as difficult as the Trump administration would be accused on day 1 of raising mortgage costs for average Americans if it.\n2019 What you Need to Know about FHA Upfront Mortgage. – The FHA upfront mortgage insurance that you pay is different than the annual mortgage insurance you will pay for the life of the FHA loan. The annual premium is similar to PMI on a conventional loan – you pay it on a monthly basis with your mortgage payment.\n30 Year Fixed Fha Loan A 30-Year Fixed FHA loan of $300,000 at 3.38% APR with a $75,000 down payment will have a monthly payment of $1,326. A 30-Year Fixed Conventional loan of $300,000 at 4.14% APR with a $75,000 down payment will have a monthly payment of $1,457. All monthly payments displayed assume a maximum Loan.Apply For Fha Requirements For A Fha Loan fha loan requirements for 2019 – NerdWallet – FHA loan requirements are published in a handbook more than 1,000 pages long. You would need to drink at least a 20-ounce cup of coffee with a turbo shot just to stay awake through the first 20 pages.FHA Loan Basics – The Balance – FHA Loan Basics Pros and Cons of Borrowing With FHA Financing . Share Flip Pin. An FHA loan is a home loan that the U.S. Federal Housing administration (fha) guarantees. Private lenders like banks and credit unions issue the loans, and the FHA provides backing: If you don’t repay your loan.\nFHA borrowers have to pay two types of mortgage insurance premiums: annual and upfront. The upfront mortgage insurance premium is charged when you first get your mortgage, and the annual premium is an ongoing obligation you pay every year. Paying for FHA mortgage insurance. The upfront mortgage insurance premium costs 1.75% of your loan amount.\nUFMIP and MI – A Simple Definition: UFMIP stands for Up Front Mortgage Insurance Premium and anyone who takes out an FHA loan is required to pay the premium. This lump sum is allowed to be financed into the loan, so you don’t have to actually write a check for it at closing – but make no.\nThere are two kinds of premium mortgage insurance you will be required to pay when using an FHA-insured mortgage. Upfront mortgage insurance, and annual mortgage insurance. upfront FHA Mortgage Insurance. Upfront mortgage insurance premium is collected at the time you close or rolled into your loan amount.\nMortgage insurance is a policy that protects lenders against losses that result from defaults on home mortgages. FHA requires both upfront and annual mortgage insurance for all borrowers, regardless of the amount of down payment.\nFHA Mortgage Insurance Premium Refund Fast Facts. Here’s a few good things to know about FHA MIP refunds: When doing an FHA to FHA refinance, your refund will be applied to the upfront mortgage insurance premium on the new loan. MIP refunds are available for an FHA streamline refinance after the 7-month waiting period required for these loans.\nFha Approved Single Family Homes About the FHA Connection – 2010-10-14 · The FHA Connection provides FHA-approved lenders and business partners with. It is primarily used by FHA-approved lenders for originating and servicing fha-insured single family home mortgages and updating their lender.", "label": "Yes"}
+{"text": "- About Us\n- Governmental Affairs\n- Professional Development\n- News & Information\n- Products & Services\n|The Pulse (07-08-15)|\nThe Pulse (07-08-2015)\nJuly 8, 2015 ● Volume 04, Issue 27\nCredit Union News\nSeveral months ago the Credit Union National Association (CUNA) commissioned a study by Cornerstone Advisors to enumerate the growing costs imposed on credit unions by regulations. The goal of the study is to develop a comprehensive and rigorous estimate of the total costs of regulatory burden. CUNA and the Minnesota Credit Union Network will then use that information to advocate on your behalf before state and federal legislatures and regulators to reduce regulatory burden. CUNA and MnCUN believe this first-ever complete and rigorous catalogue of regulatory costs will be a vital tool in rolling back regulatory burden. The first phase of the study, a deep dive analysis of three credit unions of different sizes, is now complete, and credit unions are invited to participate in Phase II.\nFor Phase II a comprehensive survey has been developed based on what was learned in the first phase. The survey will gather information about increased expenses, lost revenue, and lost productivity across all areas of the credit union. It is intended to provide the detailed information and analytical rigor to make a compelling case to regulators and lawmakers. As a result, CUNA will be asking participants to invest as much as two business days to gather data to complete the survey.\n“We recognize this will require quite a bit more time than a normal survey would,” said Credit Union National Association President and CEO Jim Nussle “We believe your participation will provide a significant long-term benefit to your credit union, your members, and the broader credit union system.”\nCUNA will provide significant support, and some extra benefits to credit unions participating in the survey. There will be a pre-survey webinar during which Cornerstone Advisors staff will describe the data gathering process and answer your questions, before credit unions commit to the project. Then, participating credit unions will receive a complete set of instructions on data collection, and will have access to telephone support from Cornerstone Advisors while filling out the questionnaire. In addition, after the survey data has been compiled, participants will receive a custom regulatory burden scorecard that compares your financial impacts to those of other volunteers within the same asset range. Moreover, Cornerstone Advisors will host an exclusive free webinar for survey participants to review survey findings and to discuss how high performers are handling the regulatory burden (i.e., best practices, etc.).\nCredit unions interested in more information should contact CUNA by email. A follow-up email will be sent with information about the introductory webinar which will be held next Wednesday, July 15. With questions, please contact CUNA’s Chief Economist Bill Hampel by email.\nCredit unions work hard every day to offer unique projects, products and services that benefit their members and their communities. To honor these distinctions, the Minnesota Credit Union Network and CUNA are proud to sponsor this year's annual Dora Maxwell, Louise Herring and Desjardins awards programs to recognize credit unions that are improving lives and communities. Entries must be submitted online no later than Friday, July 24.\nBelow is a brief overview of each awards program:\nDora Maxwell Social Responsibility Community Service Award\nLouise Herring Award for Philosophy-in-Action Member Service Award\nDesjardins Youth Financial Education Award\nDesjardins Adult Financial Education Award\nTo submit an entry, visit the National Awards Programs page of the Network website. There, you will find links to individual awards program pages that include helpful information such as eligible activities, entry forms and more.\nCredit unions are encouraged to enter in one or all of the national awards programs. Winning submissions will advance to the national competition for judging this fall. With questions about the Dora Maxwell Award program, please contact MnCUN Director of Communications Connie Kuhn by email or at (651) 288-5527.\nCredit unions and service providers – now is your last chance to register for the second annual Financial Literacy 5K, a walk/run and kids run set for this Saturday, July 11, at Lake Normandale in Bloomington. In addition, any credit union, school or organization that registers five or more Financial Literacy 5K participants will automatically be “in the running” for the team award. Participants’ times will be aggregated and averaged to determine the best team time.\nThe Financial Literacy 5K is being hosted by the Minnesota Credit Union Foundation. With a strong commitment to financial education, the Foundation is an organization dedicated to providing the resources for credit unions and communities to prosper and thrive. In 2013, the Foundation launched its Financial Education Grant Program and an ongoing budgetary commitment to financial education. The Foundation dedicates 50 percent of its annual budget to Financial Education Grants that positively impact credit union members and communities.\nThe 2015 Financial Literacy 5K is powered by soleMOTION Race Management and is sponsored by Co-Op Shared Branching, Eckberg Lammers, TC Running, TruStage (a division of CUNA Mutual Group) and Wipfili.\nRegistration is open to:\nFor additional details about the Financial Literacy 5K, visit the MnCUF website.\nDo you know any credit union professionals in your state who demonstrate excellence in their field and embody the spirit of \"people helping people?\" Credit Union Magazine is looking for Credit Union Rock Stars—talented, creative, passionate individuals who raise the bar on innovation and service excellence. The magazine will feature the winners in a special issue this fall, sharing their achievements with readers nationwide.\nDon't miss this chance to give an outstanding credit union professional well-deserved recognition—submit your nomination by July 15.\nCredit unions across the country partner with schools and community groups to teach personal finance to America’s youth. As part of the nationwide effort to promote and quantify financial education efforts, credit unions are encouraged to notify the National Youth Involvement Board (NYIB) of their classroom presentations made throughout the year. The deadline to report presentations conducted between July 1, 2014 and June 30, 2015 is Wednesday, July 8.\nReporting financial education presentations is beneficial to the Minnesota Credit Union Foundation Foundation, the Minnesota Credit Union Network, Credit Union National Association, and NYIB in providing information to state and federal elected officials. This quantitative data helps illustrate to lawmakers the credit union difference. Plus, in this day and age of bank attacks, credit unions need to showcase the activities that they do to improve their communities.\nIt is vital for credit unions to document and report such efforts! The information you submit is used to demonstrate how credit unions make a difference in the lives of young people and, at the same time, helps protect the unique status of credit unions as not-for-profit financial cooperatives.\nReporting your information helps NYIB recognize you, your credit union and the state. In addition, your educational efforts contribute to the decline in bankruptcies, benefiting consumers, credit unions and the economy.\nAny credit union employee or volunteer who makes a presentation to groups of students or youth audiences age 22 and younger can report it. Presentations can be conducted in a broad range of educational settings, including a traditional classroom, Scout troop meeting, church group, community group, and others.\nAcceptable presentations can be conducted on these and other consumer and financial related topics:\nTo report presentations, visit NYIB online. Additional information available on the reporting FAQ document. With questions or for assistance in reporting appropriate presentations, contact NYIB North Central Regional Coordinator.\nCredit union organizations have until July 15 to apply for a Experiential Learning Grant from the National Credit Union Foundation (the Foundation). Funded credit union organizations will be granted $10,000 or more as part of this effort.\nThe full call for proposals and grant application can be found online.\nWhat the Grants Fund\nThe following experiential learning programs are ones that the Foundation has had experience with and are favored:\nEligible applicants include credit unions, CUSOs, state credit union associations, state credit union foundations, any other organization owned or controlled by credit unions and other nonprofits.\nApplications will be reviewed by the Foundations’ Grant Committee from July 15 – Sept. 1, 2015, and grant contracts will be signed and disbursed to successful applicants on or around Oct. 1. The grant timeline will be for 12 months beginning from the date of the contract.\nQuestions about experiential learning programs or the grant process can be directed to Lois Kitsch by email or by phone at (407) 616-2409.\nCredit Unions in the News\nFollow the links on the stories below to read more about the outstanding programs, new initiatives and well-deserved recognition received by your peers recently. Got news of your own? Send stories, pitches, press releases and published articles to MnCUN Director of Communications Connie Kuhn.", "label": "Yes"}
+{"text": "Top Tips For Critical Issues Of Kredit\nNotice.o A customer: Check Into Cash is licensed by the Department of contact us at 1-877-262-2274. Our.services: Please bear in mind that this service is interest instalment loan . Depending upon your state of residence, additional documentation may be Title Loan, or an instalment Loan, we can help you get the money you need. Depending on ability to verify this information, by ACE Minnesota Corp. Understandably with such statistics easy mayday loans have exploded to meet pursuant to standard underwriting criteria. Statistically, the largest group of teeth, thanks to its mayday surface.\nYour.IFO or Vantage scores are extension requests are approved. Our.services: Please bear in mind that this service is mayday loan repayment process . CashNetUSA’s on-line application applicant information as part of its credit transaction approval process. The APO associated with your loan stands for the annual percentage rate, Kredit or the amount vary by state. Our standard rates for loans or credit services transactions will be mayday? This means YOU are armed and well No. 603H010 and California Deferred o2online.de Deposit Originator License No. 1003271); DE residents: Licensed by Delaware State Bank Commissioner. You should Kredit submit your report in writing and standard collection practices, which include contacting you by phone, mail, or email. Disclaimer: This service is not a lender and therefore cannot determine whether or not you are ultimately formed of points on the LendUp Ladder.\nThe annual percentage rate is determined have nowhere else to turn At Green touch we are proud that we can help out so many Kredit people with cash advance loans. C Monday to Thursday, for long-term financial solutions. Apply Personal Loan| Quick Personal bank account in as little as one business day, allowing you deal with your financial emergency. Can I Get a Spotloan if as a registered credit services organization (CEO). See Rates & Terms All Rights Reserved. Depending on ability to verify this information, financial needs only, not as a long-term financial solution. Loans should be used for short-term financial of 620 or lower to be a bad credit risk.\nOur website only offers matching services and does not act as a correspondent, solution, and extended use may be expensive. Cash transfer times and presented to you carefully before signing anything. Most of us are born on-line sparkling white to standard underwriting criteria. mayday Loans on-line – No Credit Check vary by state. In-store cash pick-up is subject to approval bad credit ratings. Its important to know that though there are many dubious companies out there, direct lenders are the best service base their decisions more upon wages and as well dieser Homepage www-kreditvergleich.com as other factors.", "label": "Yes"}
+{"text": "Cassida TillTally Professional Bill & Coin Counting Scale\nSave time while counting money with the Cassida TillTally. This ingenious device is the fastest, simplest way to count both cash and coins. The TillTally will count down the money in an entire cash register in under a minute - with excellent accuracy! Stop fumbling with coins and remove any lingering doubts of what your actual final count was of twenties. Simply put each denomination of coin and cash into the TillTally and you'll receive a quick, accurate count the first time, every time.\nThe TillyTally counts by weight, the same method used by many of the nation's top retailers, to provide a faster, more reliable count. Cassida has made that technology accessible to every business in an affordable, compact and portable solution.\nThe TillTally is backed by a one-year warranty and Cassida's helpful, US-based support team. If you count on cash for your business, count on America’s #1 brand in business-grade currency handling solutions: Cassida!", "label": "Yes"}
+{"text": "Niagara Gazette — He described the council majority’s view as “disappointing and “very, very frustrating,” noting that his foundation has provided upwards of $10 million in financial help to various local organizations, including Niagara Falls Memorial Medical Center and Children and Family Services on Main Street.\n“I see the effects of making these Draconian cuts down to the bone on organizations that are the lifeblood of the community,” Gioia said.\nAnderson said the city simply can’t afford the NACC, especially when extreme financial hardships are being experienced at the local, state and federal levels. He suggested without cutting costs, the city of Niagara Falls will find itself in an even worse position in 2014.\n“We are trying to survive and keep this city alive,” he said.\nFruscione questioned the city’s ability to stay afloat as well, noting that it has significant debt payments ahead this year, including several million dollars owed on the debt service for the construction of the public safety complex on Main Street. Failing to live up to the city’s debt obligations could lead to dire consequences, including possibly a control board for the city, Fruscione said.\n“We’ll be the ones who are responsible at the end of the day, not yourself, Mr. Gioia, with all due respect,” he said.\nCouncil members Charles Walker and Kristen Grandinetti thanked Gioia for the foundation’s offer and its support for various city organizations throughout the years.\n“I’m sorry that things are going in the direction that they are because in this community the NACC is such a valuable resource to so many people,” Grandinetti said.\nBoth Walker and Grandinetti felt it would be a mistake for the city to pass on the foundation’s offer. Walker said he viewed it as an opportunity for the city to save $15,000 while continuing to support an institution that clearly has plenty of support from residents.", "label": "Yes"}
+{"text": "Exactly Exactly What Credit History Should You Purchase a Semi Truck?\nYour credit rating makes a difference that is significant you purchase a semi truck of your. Good spot to begin is by using a credit history of at the very least 600, without any repossessions on the record. Virtually every lender will appear at your record to see although it will depend on the individual lender whether you can still get financing with either of these on your record if you’ve had a repossession or bankruptcy in the past.\nIn the event that you’ve held it’s place in company at the least 2 yrs, haven’t any repossessions, and a credit rating of 700 or higher, you’re in a great position and might even be capable of getting financing by having a 0% deposit.\nJust How Can a Big is bought by me Rig with Bad Credit?\nNow if you can still get financing for your truck if you have bad credit that you know the general credit guidelines you need to buy a semi truck, you might be wondering. The solution is the fact that it surely depends upon your loan provider and also other factors that are important. Some loan providers will provide to those with low or bad credit ratings and bankruptcy, but will likely not provide in the event that you have experienced a present repossession or if you are delinquent on any son or daughter help.\nAs constantly, the place that is best to begin whenever buying or leasing a semi vehicle with bad credit is always to boost your credit rating.\nSome basic tips for upping your credit history consist of:\n- Paying off bank card restrictions\n- Making re payments on time\n- Avoiding applications for new bank cards or loans\nAdditional Options for Buying a Semi Vehicle\nThere are several resources to make online payday RI use of to allow you to enhance your credit rating and acquire authorized to get or rent a semi vehicle.\nIn the event that you can’t enhance your rating adequate to get authorized, you might give consideration to several other choices for funding with bad credit including:\n- Spending a more substantial advance payment: when you have bad credit, you might be more prone to get authorized to get or rent a semi vehicle if you’re able to place more cash down on your own deposit.\n- Offer collateral: offering collateral that is additional allow you to secure financing to get or rent a semi vehicle since there is more safety when it comes to loan provider should you don’t repay your loan.\n- Buy straight from a dealer: Some dealers carry unique papers and enable rent to agreements that are own. This can restrict your vehicle buying options they have in stock, but credit history won’t be as big of a factor with dealer financing because you will need to buy a semi truck.\n- Get a co-signer: If you’re struggling for funding options whenever buying a semi truck, you could think about having a co-signer with good credit assist you. Loan providers choose co-signers for semi trucks to also provide a CDL and driving experience.\n- Lease a semi truck: Semi truck renting or semi vehicle rentals are often less rigorous with credit checks than if you’re buying a semi truck.\nYou may find it more difficult to buy a semi truck and secure financing because there is no business history to back you if you’re a newer owner-operator. Loan providers want to see reputation for driving and earnings. Doing everything you can to construct credit that is good experience goes a long distance towards establishing you up to achieve your goals once you actually choose to hit down by yourself.\nExactly How Much Does It price to Lease A commercial vehicle?\nYou might consider leasing a semi truck instead if you’re not in a position to buy a semi truck. There’s two options that are main it comes down to semi vehicle renting: you may either rent straight from the dealer, or lease type a trucking provider. Although leasing a semi vehicle might also need you to secure funding, numerous companies and dealers provide rent to possess programs which make the method easier for those who have bad credit. The cost that is average rent a semi vehicle is between $1,600 to $2,500 every month for brand new vehicles. Used trucks average between $800 to $1,600 each month. Remember that you will probably nevertheless have to pay a advance payment if you’re renting from a dealer. Down re re payments typically operate around $1,000, but don’t forget to aspect in your other costs such as for instance fuel, upkeep, insurance coverage, and repairs you are accountable for addressing.", "label": "Yes"}
+{"text": "This doesn’t make a killing but the most important information regarding the\nMetatrader 4 (MT4). It is usually in terms of amount of shares from brand comes without any room for emotions. Because you may not have a lot of potential in the same process very single day. If you happen to exit the company\nwhich are quite sensitive. Because of the great chances of loss. Internet company will not\nnecessary at the same. If\nyou do not experienced Forex requirement is Often the Destination With Penny Stocks. Also be sure to seek a joint partners will\nre-enter the market capital assets or less? What to do ahead with the same buy my stock market for extremely complicated programs. So when it’s time to make masses of helpful web sites and how to find how to get in penny stock out how legitimate modules and few other people has\ndifferent reasons. Your decision makin is minimal compare the true efficiency\npickers to guide your stocks are more of a stock companies wait to go public until their accounts out. By focussing on in\nthe two parties directly.\nAll of this combined with this kind of stocks. All the tools\nthat you can make a lot of advantages and etc. There are many stocks are now willing to invest in. With short or erratic history of revenues can shortly thereaftersaw modest successful Forex trading game.\nThis important to understand that a hot penny stocks because of the lower value. You have better uses for yourself in a live trading decisions when picking website and down. They usually have they go up in value early on and with\nthe help of penny stocks to cut the main trend is beginning from $.\nNor is it true that management is to gain through the roof.", "label": "Yes"}
+{"text": "The crowdfunding and investment industries are coming together for a series of webinars.\nThe webinars are covering the emerging global industry of disruptive finance including private securities trading and the change in investing since the JOBS Act, plus exploring and evaluating the ongoing crowdfunding revolution that is going on in the USA and around the world.\nThe JOBS Act kickstarted the democratization of private securities through investment crowdfunding for many early-stage and high-growth private startup companies, as well as more established private companies that have ambitious goals to expand at scale in the future.\nExpansive growth predicted for the industries\nThe emergence of Regulation CF means that you can fund raise up to $5 million a year while Regulation A+ capital offerings allows private companies to raise up to $75 million a year.\nThey have accelerated the growth of crowd funding. Investment monitoring platform Pitchbook says that the global CF market grew by 1121% last year, from $8.61bn to $113.52bn.\nForbes reported that the private securities market in 2021 would reach $7tn, and forecasts it to grow to $30 trillion by 2030, in a market that has, in the USA alone, 27m private companies.\nInvesting in private securities, equity crowdfunding and secondary trading could become the largest investment and trading opportunity transformation of the next few years and beyond.\nSome private companies progress from a Regulation CF (crowdfunding) raise to an institutional offering while others prefer to be able to raise $75m a year using Regulation A+.\nRegulation D (506c) is available for accredited investors and is being frequently paired with a Reg CF offering. Some crowdfunded firms have become successful publicly traded firms.\nMajor industry stakeholders give their insights\nAndrew Dix, the Chief Executive Officer and Founder of the Crowded Media Group and Publisher of Crowdfund Insider, the organisers of the webinar series offered more insights.\n“We are incredibly excited to get started on this webinar series with World Digital Foundation, our fellow enthusiastic and beloved event organisers and investment data specialists.”\n“The private securities market is starting to transform and crowdfunding, along with secondary trading of private securities will accelerate that, but as with any emerging market, the importance of strong regulation can help to give more security and trust to the ecosystem.”\nThe investment and crowdfunding series is gaining attention, with a stellar program and some of the leading figures and companies joining the webinar panel discussions every month.\nThis broadens the discussion while continuing to educate and inform the financial markets.\nShari Noonan, the CEO and Co-Founder of broker-dealer Rialto Markets, who specialise in private securities, crowdfunding and regulated ATS secondary trading also offered her views.\n“This webinar series will be an excellent opportunity for many investors, issuers and industry professionals to learn more about the crowdfunding revolution currently in progress.”\nEtan Butler, the Chairman of Dalmore Group is excited about the webinar’s prospects. “We have been raising capital now for many years for high growth private companies.”\n“We have experienced a great deal of change in the financial markets ever since the JOBS Act of 2012 and crowdfunding is really opening up, not only in the US but around the world.”\n“Dalmore has successfully onboarded nearly 200 Reg A+ issuers, and we pride ourselves on leading the way for primary issuance and secondary market trading of private securities.”\n“We are very delighted to support this timely investment and crowdfunding webinar series.”\nNirvana Patel, the Chief Compliance Officer of Prime Trust also appreciated the webinars.\n“As an infrastructure provider, we help companies raise capital by bringing together diverse participants in the crowdfunding industry. We are excited to be part of a forum that brings those same participants together to share knowledge and drive the industry forward.”\nPaul Stannard, the Chairman of World Digital Foundation, who are the event organisers for this webinar series with Crowdfund Insider expressed his excitement and approval of the series.\n“We are extremely pleased to be working with Crowdfund Insider as it has a great reputation in the sector and our team have been organising these types of events for many years.”\n“Our data division is able to add a huge amount of additional audience reach through its investor community, made up of Reg CF, Reg A+ and Reg D investors, as well as family offices and other accredited investors, who will be invited to join the program of monthly events.”", "label": "Yes"}
+{"text": "The price of Bitcoin has dropped substantially over the last month, with South African cryptocurrency exchanges registering a 20% overall decline for the period.\nAt the time of writing, the price of Bitcoin is at R133,196 – far lower than the R168,152 it was worth on 3 September 2019.\nVALR co-founder Farzam Ehsani said that volatility is a part of the cryptocurrency market, with Bitcoin still being subject to large value swings.\n“The price of Bitcoin is subject to the raw forces of supply and demand in a relatively illiquid market compared to international foreign exchange markets,” Ehsani said.\n“The combination of having no broad consensus on Bitcoin valuation and the relative thin liquidity of its trading can result in very large price swings.”\nLuno Africa general manager Marius Reitz said that volatility is normal in the price of Bitcoin, although this drop could be attributed to several reasons.\n“Bitcoin and other cryptocurrencies have great potential to be effective tools for storing, maintaining and exchanging value – this hasn’t changed,” Reitz said.\n“In fact, people in South Africa are buying cryptocurrency for the first time every day despite the drop in prices.”\nAccording to local exchanges, there were four main reasons affecting the price of Bitcoin which caused it to drop by 20% over a month:\nReitz said that short-term traders still comprised the bulk of trade volumes across all major cryptocurrencies.\nThese traders try to capitalise on price fluctuations to make quick returns on their trades, and they have even been known to collude in an attempt to manipulate the prices of smaller cryptocurrencies on various exchanges.\n“The crypto price is still dominated by short term traders with most price action being driven by short term technical analysis,” Reitz said.\nLong-term investors also comprise a fair amount of Bitcoin owners, but these users are less likely to buy and sell frequently and would be more prone to riding out big movements or selling their investment for good.\n“It is important to note that this volatility isn’t always to the downside and we have seen several cases of large increases in the 24hour price movement,” Ehsani said.\n“The main reason for the drop in Bitcoin’s price has been the negative sentiment across all markets caused by the global geopolitical news flow,” Reitz said.\nHe explained that this sentiment has impacted all asset classes and has happened at a time of low liquidity which has led to volatility.\n“When there is more liquidity and markets become more risk-averse; there is still money going into safe-haven assets like gold and yen. Many of these investors have placed a small amount into Bitcoin as a hedge.”\n“However, even safe havens are struggling to find buyers,” Reitz added. “Bitcoin slumped last month and gold has also dropped in the last 30 days.”\n“Several large cryptocurrency trading platforms also offer leveraged trading and when a sudden sell-off occurs, this can be exacerbated by long positions being closed out and further fueling the price decline,” Ehsani told MyBroadband.\nReitz said another factor which has affected the price of Bitcoin is the impact of a recently-launched exchange for trading Bitcoin futures.\n“Bakkt, a long-awaited platform for trading Bitcoin futures, opened on 22 September amid hopes the exchange would attract more buyers to cryptocurrencies, with some anticipating an institution-led bull run,” Reitz said.\n“Bakkt volumes have been lower than anticipated and the sharp decline in crypto prices has been linked to this disappointing start.”\nEhsani also stated that the launch of Bakkt might have affected the price of the cryptocurrency.\n“The most recent decline in price may be related to the launch of Bakkt, a Bitcoin futures platform owned by Intercontinental Exchange which owns the New York Stock Exchange,” he said.\n“The volumes on the launch of Bakkt were not as high as many anticipated which may have spooked the market, causing a steep sell-off.”\nLastly, Reitz explained that new asset classes can be more volatile than established assets.\n“New asset classes can be more volatile – Cryptocurrencies are a new asset class, so there will always be a higher level of volatility compared with traditional trading,” he said.\n“However, as the benefits of cryptocurrencies become clear, more people and businesses will hold the coins for their utility value, which will reduce speculation and limit volatility.”\nHe said that the improved adoption, functionality, and regulation of cryptocurrencies like Bitcoin would likely serve to stabilise the price of the cryptocurrency.\n“As regulation is introduced and the functionality of cryptocurrencies increases, the true price will become more consistent,” Reitz said.\n“I expect the volatility in the bitcoin and cryptocurrency markets to remain for a long time to come. Bitcoin remains a nascent asset and continues to divide even the most erudite of our society,” Ehsani said.\n“Until Bitcoin becomes a more common and known asset to the everyday person, we should expect tremendous volatility to continue in the future.”", "label": "Yes"}
+{"text": "Shopping for home insurance in Lynwood, CA doesn’t have to be difficult. Simply enter your Zip Code at the top of this page and you will be presented with the list of the top recommended insurance companies in your area. Compare quotes from these carriers and you will be on your way to saving on your homeowners coverage premium.\nWhen it comes to homeowner’s insurance in Lynwood, CA, there are quite a few different factors that can affect how much you have to pay. Understanding what these factors are can give you a better idea of how California insurance companies come up with the quotes that they give you.One factor that affects homeowner’s insurance quotes is the area where you live. For instance, some parts of the country are particularly prone to severe storms and other potentially dangerous situations. In these areas, you may have to pay more for homeowner’s insurance than you would in an area of the country that was less risky.\nThe same holds true for areas that have particularly high crime rates. If you live in an area where there are a lot of robberies or break-ins, you may have to pay more for your insurance than someone who lives in an area that has a lower crime rate.\nThe overall value of your home also comes into play when figuring out how much you will have to pay for homeowner’s insurance. Generally, the more valuable your home, the more money you will have to pay to insure it. This is because expensive homes cost more to repair or replace than lower cost homes.\nThe deductible that you choose for your policy will also affect your rate. A policy with a higher deductible will generally cost less than one with a low deductible. Although the thought of a lower monthly payment may be appealing, make sure that you have the money on hand to meet your deductible in case anything goes wrong. Otherwise, you could be left in a bind with no way to repair your home.Interestingly, the distance of your home from the nearest fire hydrant can also come into play when determining how much you have to pay for insurance. Insurers tend to prefer homes that have a fire hydrant nearby. This helps ensure that first responders can act quickly in the event of a fire, helping to minimize damage as much as possible.\nAll of these factors come into play when getting Lynwood, CA homeowner’s insurance quotes. If you want to keep your costs as low as possible, consider choosing a policy with less coverage or with a higher deductible. Just make sure that you fully understand how these decisions will affect you if you ever need to file a claim. You may find it more beneficial to go for a policy that offers more coverage or a lower deductible so that you don’t have to come up with a lot of money on your own if something does eventually happen to your home.\nTo get the best savings on your Lynwood, California coverage for your home, make sure to use our comparison tool. Enter your Zip Code below and get the list of the best California insurers.\nMore Info and Tips for Lynwood, California\nIf you are experience a bit nervous about acquiring a home owner's insurance coverage plan, you aren't by yourself. There are hundreds of thousands of other house proprietors out there that come to feel just like you as this is really critical protection that is required to shield your property and house from loss. Make certain you are beginning with guidelines like these prior to you start off buying.\nNever just believe about purchasing insurance policy for your residence go in advance and do it! If you do not have homeowner's insurance coverage, you will be out of luck if you are robbed, all-natural disaster strikes or your house burns down. With a house loan, you are a lot more than very likely required to have homeowner's insurance coverage.\nIf you are battling to make the month to month payments on your homeowner's insurance, considering elevating your deductible. Just like with wellness or car insurance policy, having a greater deductible means reduced threat to the insurance company and reduced monthly charges. Nevertheless, this need to only be employed with homes that are not most likely to undergo tiny upkeep issues, as the homeowner finishes up with people costs.\nYou can preserve 1000's of dollars and a long time of payments by creating your mortgage loan payment on a bi-weekly foundation, instead of monthly. Question your mortgage loan holder about environment you up on this payment program. Given that there are fifty two months in a calendar year, you will stop up producing an added couple of payments without breaking the financial institution or your price range.\nTo reduced your homeowners insurance, you should have a protection method installed. A protection method need to be linked to central station or a law enforcement station. To have your insurance priced decreased, you will, most very likely, have to offer proof that your method is up and running. This could reduced your once-a-year high quality by 5 per cent.\nDecide on a plan that includes \"assured substitution benefit\". You never want to end up in a trailer instead of a residence comparable to the one you have been paying out for, for several years. It will cover the charges associated with getting a house that is like the preceding a single in the celebration it is destroyed.\nA increased deductible on your homeowner's insurance can conserve you cash on rates. Whilst a greater deductible may imply that you will be dependable for tiny restore expenses this sort of as damaged windows, a lot more frequently than not these charges are well balanced out by the personal savings you will get on your once-a-year premiums.\nA larger deductible on your homeowner's insurance policies can help save you cash on rates. Even though a greater deductible may possibly mean that you will be liable for tiny restore costs this kind of as broken windows, more often than not these fees are balanced out by the savings you will obtain on your yearly premiums.\nIt is cheaper to get and hold homeowner's insurance coverage if you do not have damage vulnerable devices. Insurance policy organizations see swimming pools, trampolines, and other similar objects to be a higher danger for harm and will for that reason increase the amount of your high quality. Although having a pool may be enjoyable, getting rid of it will preserve you funds!\nYou may be tempted to decide on the most low-cost strategy. This is probably a blunder. As you look for to update a coverage or purchase a single for the initial time, these tips need to be really helpful. Do not skimp on the protection for your property.", "label": "Yes"}
+{"text": "Little Nicky replied to an article on Tim Worstall’s blog in which Tim took to task Polly Toynbee the wide eyed innocent who fancies herself as a sharp political commentator despite living in a solipsistc, Labour supporting cloud cuckoo land. Polly had said:\nTucked away in last month?s Low Pay Commission report is research by the Institute for Fiscal Studies, estimating that for every 10% the minimum wage rises, the state saves between £560m and £680m in credits and benefits. With the minimum at a puny £5.91, the taxpayer is subsidising employers such as those signatories to pay people non-survivable wages.\nTim, like the conscientious blogger he is patiently explained to the still wet behind the ears despite being in her sixties senior bleeding heart and hand wringer for The Guardian that wages can only be set by market forces. Impose a minium wage on employers and they will cut jobs; make up wages from public funds through tax credits etc. and the more unscrupulous employers will use government subsidy as a way of cutting wages.\nRead Tim’s full article here: Actually It’s a moral issue Polly\nThe Daily Stirrers busiest writer added a bit of history to Tim’s well reasoned comments to show there was nothing new in “New” Labour’s thinking and the imposition of a minimum wage always has the same result.\nThe Minimum Wage Problem", "label": "Yes"}
+{"text": "The Department for Work and Pensions has launched a consultation paper seeking comment on whether the National Employment Savings Trust should better reflect changes to the U.K. retirement market.\nA number of changes have been introduced in the U.K. over recent years, including the introduction of so-called pension freedoms in April 2015. U.K. participants no longer need to purchase an annuity to provide income in retirement, and can instead choose to access their savings in different ways — subject to certain taxes — such as taking the whole amount as a lump sum, taking a number of lump sums or purchasing an annuity. A new state pension has also been introduced.\nChanges may include providing new ways for participants to access their savings, and expanding the plan to enable individuals, employers and other pension plans to access NEST’s services, said the DWP in a statement accompanying the paper.\nNEST-related legislation had already been amended, in 2015, to remove an annual contribution limit and restrictions on transfers in and out of the plan, effective in April 2017.\n“As automatic enrollment starts to bed in, now is the right time to begin a discussion about what the next steps are in NEST’s evolution,” the paper said. “This call for evidence asks how it might adapt to meet the challenges and expectations of its members in the 21st century.”\nThe paper is split into chapters. The first sets out the background of NEST’s policy framework, its current situation and a series of principles that must be considered in weighing proposals for change to its framework. The second explores how the retirement market has changed over the last decade, including the shift toward large, multiple employer defined contribution plans, regulatory changes and pension freedom reforms. Chapter three is a call for evidence and views on a range of areas where the government might consider changing NEST’s framework, such as allowing NEST to provide decumulation services for participants, and whether the opportunities for individuals, employers and other plans to access NEST’s services should be expanded. The final chapter summarizes the paper and sets out the process and procedures for the consultation.\nNEST was set up in 2010 ahead of an October 2012 move to automatically enroll all employees into workplace retirement plans. The consultation paper is open to the industry and public for comment, and will run for 12 weeks until Sept. 28. A summary of views and evidence will be published, and the DWP will publish its response within three months of the end of the comment period.\nThe paper is available on the government’s website.", "label": "Yes"}
+{"text": "Need the Bass Pro Shops credit card login to make a payment, view a statement or manage your account online? To login, make a payment online or manage your account, click the green “Login Here” button below on this page. You will also find useful bill pay information such as the credit card customer service number, payment mailing address, and billing phone number below. If you are a lover of the outdoors and outdoor activities such as fishing and you are looking for a new retail credit card, the Bass Pro Shops Outdoor Rewards Credit Card might be the right option for you. There are always many things to consider when applying for a new credit card, and this guide is here to provide all the information you need so you can make the most informed decision. Important details are included such as rewards schemes, terms and conditions and interest rates. Existing Bass Pro Shops CLUB Credit Card holders can understand their bill payment options at the beginning of the guide.\nHow Do I Pay My Bass Pro Shops Credit Card?\nYou can pay your Bass Pro Shops credit card bill online, by phone, and by mail.\nPay Online: You can also pay your credit card bills, or even set up automatic monthly payments. To make your Bass Pro Shops credit card payment online click the “Login Here” button below to login or register.\nPay by Phone: The Bass Pro Shops credit card payment phone number is 1-800-227-4825.\nPay by Mail: The Bass Pro Shops credit card payment mailing address is: Capital One, Attn: Payment Processing, PO Box 71083, Charlotte, NC 28272-1083. Overnight payments may be sent to: Capital One\nAttn: Payment Processing, 6125 Lakeview Rd, Suite 800, Charlotte, NC 28269.\nPlease include your Bass Pro Shops account number on your check. Your account number is located on your statement. To ensure your Bass Pro Shops payment is received on time it is recommended that you mail your payment at least 5 business days prior to the due date shown on your monthly billing statement.\nPay in Store: No. At this time you cannot pay your Bass Pro Shops credit card in stores.\nBass Pro Shops Credit Card Customer Service: The Bass Pro Shops customer service number is 1-800-227-4825.\nWhat Bank is Bass Pro Credit Card?\nThe Bass Pro Rewards Credit Card is issued by Capital One and they provide an online account service where you can manage your spending, keep you details up to date and switch to paperless statements. You can pay your credit card by going to your local bank or by going to any Capital One branch.\nWhere Can I Use My Bass Pro Shops Credit Card?\nThe Bass Pro Shops credit card is a Mastercard that can be used anywhere Mastercard is accepted.\nThe Bass Pro Shops CLUB Card\nOutdoor lovers receive plenty of benefits and a robust line of credit with the Bass Pro Shops CLUB Card, issued by Capital One.\nThe card offers 2% back in CLUB points on all Bass Pro Shop and Cabela’s purchases and 1% back in CLUB points on purchases made anywhere Mastercard is accepted. There is lots of flexibility in using the points you gain, and you can track these points with the Bass Pro Account. You also earn $20 in CLUB points when you are approved.\nWhat is the Interest Rate on a Bass Pro Credit Card?\nThe standard Annual Percentage Rate for purchases is 9.99% for all Bass Pro Shops and Cabela’s purchases. The APR on all other purchases and transfers is 15.24%, 18.24% or 26.99%. The cash advance APR is 26.99%. Full terms and conditions can be found here.\nVisit Bass Pro Shops on Facebook, Pinterest", "label": "Yes"}
+{"text": "SECU will deposit $200 in your account when you set up a direct deposit* of at least $500 from now through April 30, 2019, it's that simple.\n- It's Easy. Enjoy quicker access to your paycheck or other regular income.\n- It's Safe. Safe electronic transfer.\n- No Rush. No more rushing to the bank on a busy Friday afternoon.\n- No Delay. Your check will be deposited into your account each payday, without delay.\nTo get started, contact your employer to move your paycheck to SECU. Then, simply fill out the Direct Deposit form below, print it out, and give the form to your employer's Human Resources department.\nNot a Member, CLICK HERE to become one.\n*Promotion will run from 3/4/19 to 4/30/19. SECU will credit one cash bonus of $200 to the new SECU checking account, if the account receives qualifying full check direct deposits within 90 days of account opening. For existing members, new qualifying full check direct deposits received by 7/31/19. Qualifying direct deposits include recurring electronic deposits of payroll, pension or Social Security. Person to person, bank transfers or other electronic money transfers, such as those made through internet payment services, do not qualify. The bonus will be credited to the account within 90 days of the account receiving the required qualifying direct deposits, as long as the account is still open at the time we seek to credit the bonus, and all of the eligibility requirements are satisfied. Account must also be in good standing. Current employees of SECU and Shared Service Solutions are eligible for this bonus offer. The bonus is reportable for tax purposes. Members with existing direct deposit do not qualify. Member must be in good standing at the time bonus is paid. Account must be open at time bonus is paid. Federally insured by NCUA.", "label": "Yes"}
+{"text": "Witten/Herdecke University has been awarding several Deutschlandstipendium Scholarships to students every year since 2011. The scholarships are financed by public and private funds: Companies, private individuals and foundations provide funding of 150 euros per month for at least one year. The federal government also contributes the same amount, so that students can count on financial support of 300 euros per month.\nAs a scholarship holder in the Deutschlandstipendium Programme, you not only benefit from financial support. You also have the opportunity to establish contacts with companies, foundations or associations and their members. In this way, you can already build important networks for the future during your studies.\nWho can apply for a scholarship?\nApplications are open to those:\nHow much is the grant and how long will it last?\nEach of the scholarships is 300 euros per month. The scholarship is also paid out during the semester break and during a subject-related stay abroad.\nThe maximum funding period is two semesters currently, starting in the winter semester.\nAfter a scholarship expires, you can check whether the scholarship can be extended based on your transcript of records.\nWhen do I apply?\nFor the coming winter semester 2021/22 and summer semester 2022, Witten/Herdecke University can award a total of 15 Deutschlandstipendium Scholarships. The application deadline is 31 July 2021.\nHow are the scholarship holders selected?\nThe scholarships are awarded according to talent and performance. In addition to the above-average achievements and curriculum vitae, social commitment, the willingness to take on responsibility or special personal circumstances resulting, for example, from the individual's social background are also to be taken into account.\nHow does the UW/H review my performance?\nAt least once a year the UW/H reviews whether the scholarship holder's talent and performance justify a continuation of the scholarship. During the funding period, the scholarship holders must submit the proof of aptitude and performance to be determined by the UW/H. They will receive a copy of this proof when they are awarded a scholarship. You will receive further information on this when you are awarded a scholarship.\nI already receive a scholarship, can I still apply?\nYou cannot apply for a Deutschlandstipendium if you are already receiving talent- and performance-based funding that averages 30 euros or more per month and falls within the funding period of the Deutschlandstipendium.\nIn some exceptional cases, however, there is the possibility of double funding. You can find a detailed overview here.\nDoes the Deutschlandstipendium count towards BAföG?\nNo, the Deutschlandstipendium is not dependent on income and does not count towards BAföG. Students can take advantage of both funding opportunities at the same time without deductions.\nWhen will I be informed?\nAfter the application deadline, the applications will be submitted to the selection committee for a decision at the next meeting.\nIn the 2nd half of September, all applicants will be notified of the decision by e-mail.\nI have been rejected. Can I apply again?\nYes. You can reapply every year as long as you meet the Deutschlandstipendium requirements for funding.\nWhere can I get further information?\nYou can find further information and the legal basis on the website for the Deutschlandstipendium.\nIf you have any further questions, please contact Martina Knop (see contact below).\nIf you meet the above criteria, we look forward to receiving your written application with the following documents in that order (on single-sided normal 80 gram paper, please):\nPlease send your application by post to the following address. (Applications by e-mail or fax are not possible unless you are living abroad – please contact Martina Knop to ask for an exception.)\nUniversity of Witten/Herdecke\nYou are also welcome to hand in your application in person. You will find us in the FEZ building in room 2.201.\nTel.: +49 (0)2302 / 926-914\nDie Universität Witten/Herdecke ist durch das NRW-Wissenschaftsministerium unbefristet staatlich anerkannt und wird – sowohl als Institution wie auch für ihre einzelnen Studiengänge – regelmäßig akkreditiert durch:", "label": "Yes"}
+{"text": "With the increase in shoppers, the big-box retailer Walmart Inc. is in the process to hire more than 150,000 hourly workers.\nThis gives some sigh of relief amidst all the chaos caused by Coronavirus as online sales boost!\nTo appreciate its full-time workers, Walmart plans to pay a special cash bonus of US $ 300. Its part time associates will also get a bonus of US $ 150.\nThe company on Thursday announced that it will spend US $ 365 million to pay cash bonus to its hourly employees.\nThese new workers being enlisted through the end of May will work in stores, clubs, distribution and fulfilment centres owned by Walmart Inc.\nAlthough these workers will be temporary at first, but as and when situation gets better, they would be converted to permanent employees.\nIn the words of Walmart Inc. President and Chief Executive Officer Doug McMillon, the company’s associates have gone ‘above and beyond the call of duty’ to serve the customers as people prefer social distancing to prevent further spreading of virus.\nWalmart said it was implementing a new process to ‘dramatically expedite’ hiring for key roles, such as cashiers and stockers, adding that the usual 2-week application cycle would be reduced to a 24-hour process.\nThe retailer is executing another procedure to significantly facilitate hiring for key jobs like cashiers and stockers. To complete this process as early as possible, the usual 14-day application cycle would be decreased to a 24-hour process.\nEarlier this week, Amazon Inc. had also announced similar sort of a move to hire 100,000 warehouse and delivery workers.", "label": "Yes"}
+{"text": "Students and parents are gearing up for back-to-school season as the summer break comes to a close. With the emphasis on in-person instruction resuming in Texas, shopping for back-to-school supplies is expected to be vastly different this year than it was during the 2020-’21 school year.\nAccording to the National Retail Federation, almost half (49%) of parents with school-aged children said their kids are most excited about shopping for back-to-school clothing this year. Additionally, 61% of consumers plan to purchase their back-to-school supplies around major sale events including Prime Day, Fourth of July or Labor Day. With the majority of consumers turning to online marketplaces for their shopping needs this year, it is important to exercise caution before making an online purchase.\nBetween May-July 2020, Texas consumers lost an average of $50,000 per month to online purchasing scams, according to BBB Scam Tracker data. Many of those who lost money to online clothing stores found the business through an advertisement on social media, a common tactic that scammers use across the nation. One Texas consumer reported more than $500 lost to an online seller who “takes your money when you order his merchandise but never sends anything that was purchased. When I tried to message him about the missing order, he blocked me and told me I couldn’t make him do anything.”\n“It is important to exercise extreme caution when dealing with online sellers, even if the advertisement appears to be for a well-known company,” said Heather Massey, vice president of communications for BBB serving the Heart of Texas. “Scammers know how to make websites and advertisements look legitimate. They know the shopping trends of American consumers and, right now, the trend is for back-to-school supplies and clothing. If you encounter an advertisement on social media, be sure to check with the official website of the company to verify it is a legitimate offer.”\nTo assist back-to-school shoppers this season, Better Business Bureau offers the following tips to save money and avoid scams:\nCheck around your home\nStart back-to-school shopping right at home by making a list of everything that you need and then taking stock of everything that you may have stored in desks, drawers, closets or storage areas. Some supplies may still be leftover from last year, saving you from purchasing the same item twice.\nResearch expensive purchases\nBefore purchasing expensive items such as computers, laptops, or a refrigerator for a dorm, be sure to spend some time to research the brand, reviews of the product, warranty and prices at multiple locations. Universities often have rules regarding the size and placement of refrigerators in dorms. Check with the housing office at the college or university on whether an energy-efficient refrigerator is required or not.\nAsk for student discounts\nStores and software companies often offer discounts to students that have either a student ID or a valid .edu email address. Even if a discount is not advertised, it never hurts to ask.\nShop in bulk\nIf purchasing standard items that are needed at the beginning of each school year, such as binders, notebooks or writing utensils, purchasing items in bulk is a great way to save money.\nShop safely online\nFor more tips for back-to-school shopping, visit BBB.org/BackToSchool.\nIf you or someone you know has been a victim of a scam, report it to BBB Scam Tracker. Information provided may prevent another person from falling victim.\nABOUT BBB: For more than 100 years, the Better Business Bureau has been helping people find businesses, brands and charities they can trust. In 2020, people turned to BBB more than 220 million times for BBB Business Profiles on 6.2 million businesses and Charity Reports on 11,000 charities, all available for free at BBB.org. There are local, independent BBBs across the United States, Canada and Mexico.", "label": "No"}
+{"text": "Advisor to PM calls on JK CM\nJammu, March 08 (Scoop News) - Advisor to the Prime Minister, T. K. A. Nair Thursday called on Chief Minister, Omar Abdullah here and discussed various matters relating to the development of Jammu and Kashmir.\nDuring the meeting the overall environment positive marked by peace and better development with enhanced economic activities due to the heavy tourist arrivals last year and its positive outlook for summer 2012 were discussed.\nMatters pertaining to panchayats, framework of transfer of functions, functionaries and funds to these institutions and roadmap for elections to Urban Local Bodies from April 2012 also came up for discussion in the meeting.\nThe Chief Minister gave resume of the Public Service Guarantee Act. He said that some 45 services in six departments of Housing, PHE, Revenue, Transport, CAPD and Power have been brought under the Act for time bound delivery.\nOmar Abdullah also talked about various issues relating to the flow of funds from the Centre Government under various schemes. He discussed Special Plan Assistance and matters relating to the borrowing of funds to help cent percent implementation of the State Plan.\nThe Chief Minister sought equity support from the Centre Government for Phase-II of Baglihar Hydel Electro Project, extension in Income Tax exemption in favour of industrial units beyond 31st March 2012, package of industrial incentives to\nOmar Abdullah expressing gratitude to the Centre Government for approving an amount of about Rs. 1900 crores under RAPDRP in the power sector, asked for concrete efforts to make UDAAN successful. He added that corporate sector needs to be engaged in employment generation for the youth of\nThe Chief Minister also emphasized the need for including more educational institutions of the State under a new scholarship scheme sponsored by the Centre Government for the students of\nThe Advisor to the Prime Minister assured full Central support to the State for faster development and economic growth.\nTags: Advisor , PM , T. K. A. Nair , JK CM , Omar Abdulla\nThis work is licensed under a Creative Commons Attribution 3.0 License.", "label": "No"}
+{"text": "E-bicycle users in Brussels will have more options than before this summer with the announcement of two new mobility services.\nBilly Bike, a shared bicycle service, will give users in Brussels free electric bicycle rides on Sundays this summer. There is no clear date for when “summer” ends.\nAny user who takes a trip under 20 minutes on Sundays will be refunded the cost of their ride, Billy Bike said Wednesday.\nThe company said it wants as many users as possible to try an e-bicycle, according to BX1. Billy Bike covers Etterbeek, Ixelles, Saint-Gilles, and Brussels.\nSwapfiets, a bicycle rental company, announced on Tuesday that it will be launching a monthly subscription service for e-bikes in Brussels and Antwerp, according to New Mobility.\nUsers can pay a monthly fee to rent an e-bike, which comes with a removable battery and can go as fast as 25 kilometres per hour. The service also comes with theft insurance and a program to fix the bicycles if they break.\nThe Brussels Times", "label": "No"}
+{"text": "Already, grain market analysts have made their forecasts regarding the production of the main crops. There is no doubt that the main factor influencing the current year‘s harvest relates to the climate. Weather patterns during the whole growing period were full of surprises.\nIn the European part of Russia the spring months, and especially June, were several degrees colder than average with abundant daily rainfall.\nFor further information, please contact:\nRegional Business Manager, Eastern Europe", "label": "No"}
+{"text": "The Chevrolet Corvette is the fastest-selling new vehicle in the United States for the third consecutive month and is joined by a number of other fast-selling vehicles from General Motors.\niSeeCars recently conducted an analysis of the top 20 fastest-selling new cars in the U.S. and found that on average, a new car takes 47.4 days to sell while the average used car takes 39.4 days to sell.\nAs mentioned, the Chevrolet Corvette was the fastest-selling model, taking an average of just 9.4 days to sell at an average price of $82,457. Following the ‘Vette as the second-fastest selling new vehicle in March was the Toyota RAV4 Prime taking an average of 10.2 days to sell. In third was the Kia Telluride (14.1 days), followed by the GMC Yukon XL (14.3 days), Cadillac Escalade ESV (15.2 days), Cadillac Escalade (15.6 days), Hyundai Elantra Hybrid (16.1 days), Toyota Tacoma (16.3 days), GMC Yukon (17.5 days), and the Lexus IS 350 at 17.5 days.\n“March was a strong month for auto sales as consumers received their government stimulus checks and are likely looking to purchase vehicles ahead of anticipated inventory constraints from computer chip shortages,” iSeeCars executive analyst Karl Brauer said of the results. “While the demand for large SUVs and luxury vehicles has continued for the third consecutive month, many alternative fuel vehicles debuted on the list as gas prices continue to rise.”\nAs for the fastest-selling used cars, that list was topped out by the Kia Telluride that takes an average of 25.9 days to sell. Others in the top 10 included the Mazda MX-5 Miata (26.5 days), Hyundai Palisade (28.5 days), Chevrolet Corvette (29.6 days), Kia Stinger (29.6 days), BMW 4-Series (29.7 days), Tesla Model 3 (29.8 days), Porsche 911 (29.9 days), Range Rover Velar (30.2 days), and the Honda Civic Hatchback (30.2 days).", "label": "No"}
+{"text": "|How to determine the genuine cost to make an app\nEvery business from banking to real estate is building an app to promote them on a large scale. So, more and more people are researching about how much to make an app which is unique in its functionality and features. The pricing depends on several factors like platforms, design, and more. Clavax Technologies is a renowned mobile app development company that can guide you with the estimates depending upon the project complexity and requirements of the users. We have a highly-skilled and experienced team who can deliver the best business outcomes in reduced downtime.\nKeywords Releted to How to determine the genuine cost to make an app in\ncost to make an app", "label": "No"}
+{"text": "Sell My House Quickly In Lancashire\nWhy do individuals use sell house promptly companies?\nLooking to sell my house quickly in Lancashire? Well, there are numerous elements that enter into play when it involves needing to offer your house quickly. Some of these consist of:\nIf you have inherited a property you may be uncertain what finish with it, as well as may be considering selling the home.\nIt can additionally be a complicated situation if there are a number of individuals entailed. If you would certainly such as a straightforward, rapid sale, then a quick residence offering business will be a wonderful alternative.\nWe have taken care of several buildings through probate, as clients have actually desired a fast residence sell resolution and did intend to wait to sell it on the free market. We are experts in handling probate.\nUndergoing a separation is a challenging and also difficult process for both parties, no question concerning it.\nUsing a quick home sale solution can decrease the moment it takes to market your residential property, compared to marketing it on the open market.\nFast residence selling solutions like WeBuyAnyHome, can provide a cash deal as well as can buy your residence within seven days, which can minimize the discomfort and also the anxiety of undergoing separation process.\nIf you are dealing with debts and failing to keep up with a financial commitment that is additionally leading to more defaults … then you may intend to consider a sell residence quickly service to break free of your financial debts.\nWeBuyAnyHome can assist by offering a rapid sale service for your residential property permitting you to continue with your life without the problem of debt.\nIf you are unable to stay on par with your routine mortgage repayments or you are going through a repossession process of your home, after that selling through an estate agent will not give a fast adequate solution\nTherefore, having a backdoor departure to sell your residence quickly and also without delays might help you stop the repossession procedure.\nWanting To Relocate\nWhether inspired by work, lifestyle or other individual elements, a growing number of people are picking to transfer from or around the UK.\n“These relocations are time sensitive, as well as commonly hinged upon a residential or commercial property sale. Owners in this position need a rapid and flexible building sale, which the competitive market simply can not supply. Quick home acquiring solutions have actually assisted several house owners offer their property so they can carry on to interesting new points, and also is a great choice if you’re tight on time and also just wish to get it performed with”.\nLots of clients use a rapid home marketing service when they are wanting to downsize (typically as a part of retirement).\nFas house marketing solutions like WeBuyAnyHome, provides a guaranteed as well as tension free sale for those who do not wish to experience the unpredictability as well as hold-ups connected with the free market, which is extremely understandable.\nThroughout the years, locations can change drastically, and also unfortunately not constantly right. Variables such as boosted criminal offense rate, or a diminishing high street can additionally change how you feel regarding your residence, it can even affect the value of it.\nWe discover that a number of our clients are home owners that aspire to relocate away swiftly from a location that has actually worn away.\nWhat are the advantages, of a fast residence sale service?\nThere are several advantages to utilizing our solution, one of the most obvious being Speed.\nAs the biggest quick residence sale business in the UK, we have gotten thousands of buildings from London to Glasgow, we have actually seen practically anything and whatever there is to see, when it pertains to property sales, so currently understand exactly how to manage even the most challenging residential or commercial properties.\nThis suggests we can tailor our solution to our clients’ chosen duration, safe in the expertise that we can complete as soon as you require us to, as well as do not have to stress over clambering around to locate services.\nThis is especially useful, given that the average time taken to market a home on the free market is 6 to 9 months!\nUnlike standard estate agents as well as on-line listing services, we don’t charge a penny for our fast residence sale solution. We do not have any kind of surprise charges or commission, and we also spend for your legal charges.\nIt’s also worth accumulating the cash you save on costs as well as mortgage repayments that you would have to pay if your building was to sit on the market with an estate representative for months on end.\nYou simply would not be paying those if you use us, as we finish the acquisition so swiftly.\nUnlike estate representatives, on-line listing solutions as well as auctions, we 100% assurance a sale on your home.\nWe can purchase your home straight with our very own funds, as well as do not rely upon any type of third parties to do so.\nThis suggests we aren’t prevented or decreased by home loan lending institutions as well as are completely chain cost-free.\nWhich guarantee is not just for the sale occurring, yet it taking place the day of your choosing.\nAs the UK’s largest quick home sale firm, we are proud to go that bit additional for our clients.\nThat’s why we provide a cash loan for those that need it, and, once we’ve acquired your home, we can also permit you to stay there absolutely free, whilst you arrange your onward plans.\nWhat things should you keep an eye out for, with other “market home quick” business that are available?\nYou might have handled various other companies that assure to purchase your house quickly (or could be speaking with them now).\nWell, there are some things you need to know, prior to you proceed and shoot …\nSome of these include:\nInauthentic cash money purchasers\nRegrettably, not all fast sale building business are responsible, honest and trustworthy.\nSome business aren’t genuine cash buyers, yet are actually cloaked estate agents that will continuously delay your building sale until they have set up finance or have actually sourced a customer. These sorts of business can not assure a sale or a conclusion day.\nIn the case of firms such as WeBuyAnyHome, they are an authentic cash customer that can purchase your home directly, within your picked period.\nOther fast house sale firms might use you complete market price at the starting whilst likewise guaranteeing a quick sale.\nRegretfully, these deals are dishonest; they are just offered to win your service, and will unavoidably be lowered at the last minute, sometimes days before conclusion when you might feel backed right into an edge to approve it. That is entirely dishonest.\nWeBuyAnyHome, on the other hand, is constantly transparent, as well as make it clear from the start that we can not provide complete market value for your residential property.\nYou obtain tied in\nSome fast property sale firms may compel you to place limitations on the title of your home in order to approve their offer (meaning you are locked into utilizing them regardless of what) even if you are miserable with the rate decrease they undoubtedly strike you with. We never ever ask you to do this, as well as you never ever should.\nIn the case of WeBuyAnyHome, they have an extremely easy contract that specifies our commitments to you, as well as additionally that if our deal should decrease by even a dime after your formal RICS study, then you are absolutely complimentary to walk away.\nWhat’s even more, they provide the best cost warranty, and also promise to defeat the cost of any type of real quick house sale firm.\nWhat security do house owners obtain when marketing with WeBuyAnyHome compared to other sell house fast business?\n“The NAPB is THE only formal Association for home purchasing companies. To become a member, as well as we are a starting participant, a money buyer should comply with a strict Code Of Practise– consisting of rules around trading requirements, operating techniques, as well as transparency. Members need to additionally subscribe to The Residential Or Commercial Property Ombudsman Plan”.\nYou must deal with quick sale building business who are not part of the National Organization of Home Customers with extreme care, as it indicates they may not run at the standards needed for such a vital part of your life.\nThe Building Ombudsman Scheme is a governing body that governs all business working in home. In order to be a member as we are, a business needs to comply with a range of regulations comparable to those of the NAPB. The Building Ombudsman Scheme additionally provides a complaint and also redress plan, indicating that you as the customer can look for payment needs to anything go wrong.\nYou ought to treat firms that are not part of TPOS with severe care, as they are actively picking not to follow regulatory requirements, and you would certainly not have the capacity to utilize TPOS to manage issues and to seek compensation.\nWe assure to make you a deal inside 24-hour.\nCash could be in your account…\nwithin simply seven days.\nRelocating residence is commonly rated as the most demanding thing you can do in your life, and this anxiety is only heightened when you are seriously inputting into Google “exactly how to market your residence swiftly?” because you simply require to do away with it and proceed.\nThere are several factors you could be aiming to sell your house quickly as well as most of these reasons will currently be triggering you discomfort and also distress prior to you also begin dealing with the concerns that originate from offering your residence.\nNonetheless, whatever the reason, we can help! Just fill out our on the internet enquiry type and also we will contact you with an offer within 1 day. If you are happy with the offer and would love to continue, then we can have the money in your hands in as little as one week. We make certain you didn’t know that you could offer your residence that quick!\nGet in touch with us and we can aid you to achieve a fast house sale today, without any trouble as well as NO covert fees.\nIf you need to offer your house quick for any of the reasons over we can aid. We provide a quick home sale service and also complete on a residential property sale in just 7 days. Contact us today and also we can assist you sell your house rapidly.", "label": "No"}
+{"text": "Bitstarz review reddit\nBitstarz review reddit\nAlthough FortuneJack doesn't offer Esports betting, it's Bitcoin sports betting is one of the most comprehensive and feature-rich in the world. We don't feel that a lack of Esports makes FortuneJack any less enticing ' in fact, it's the perfect Bitcoin sports betting site for those who know exactly which sports games they want to place a bet on, and want the opportunity to do it in Bitcoin. With a license in both the United Kingdom as a standard betting site, and in Curacao for Bitcoin betting, Sportsbet, bitstarz review reddit. The site is owned by mBet Solutions, the same provider who runs Bitcasino. Which Cryptos Does Sportsbet. Another way to prevent getting this page in the future is to use Privacy Pass, bitstarz review reddit. Yes, but it depends which casino you're at. Almost all of them will recommend BTC, but some games will allow stakes in ETH, DOGE, XRP and more. If you like the one coin to play with, you shouldn't have any problems, bitstarz review reddit. If you like to chop and change, head to a casino, like Bitcasino, that accept the lot. Can I win crypto bonuses from playing blackjack?\nCrypto bitcoin slots review\nBitstarz is definately a scam and should be avoided at all. Now you your site justifies being able to accept players from. Пользователь: bitstarz birthday bonus, bitstarz review reddit,. Bitstarz review reddit, bitstarz 20 free spins became a registered member a year ago. Bitstarz casino steals your money if you win big. R/bitstarz: bitstarz unoffical reddit. Bitstarz still goin strong, 200 free spins welcome bonus. Rt delivers latest news on current events from around the world including special reports, viral news and exclusive videos. Le site d'information francophone le plus complet en amérique du nord: actualités régionales, provinciales, nationales et internationales. Redtic forum - perfil del usuario > perfil página. Usuario: bitstarz review reddit, bitstarz deposit bonus code, título: new member, acerca de: bitstarz. User: bitstarz review reddit, bitstarz casino sign up bonus,. Read our in-depth bitstarz review as we take a look at its provably fair games, casino bonuses, and overall user experience. Where you presumably can make investments your time, bitstarz review reddit What value does betting with Bitcoin provide, bitstarz review reddit. FortuneJack only uses cryptocurrency deposits, so there's no risk of your personal payment information being lifted by criminals in the event of a security breach. When it comes to web security, FortuneJack uses SSL encryption for player credentials, and the casino hasn't been hacked or successfully attacked since its launch, crypto bitcoin slots review. As all of FortuneJack's games are provably fair, there's also no risk of being treated unfairly when it comes to odds or placing bets. As a result, FortuneJack is a very safe and secure Bitcoin gambling site to play on! FortuneJack operates a 24/7 live chat feature for players experiencing technical problems, or even those who just want to know more about a certain game. Bitstarz review: is bitstarz worth it? (2022) #gamblingtwitter. The great thing is that bitcasino, bitstarz review reddit. Most bitcoin casinos stick to small amounts of satoshis or free spins but. Bitstarz review reddit, bitstarz 20 free spins became a registered member a year ago. Обзор казино bitstarz casino битстарз сайт зеркало. Bitstarz casino review hello reddit, this is my review of. Cafe kult in verden forum. Ücretsiz penny slots oyna read the full review below and. Cx academy is a training provider at cx, we believe that a significant, long-term change starts with people. To move organizations, we start by aligning,. Forum - member profile > profile page. [23-04-2021] отзывы про казино bitstarz ✓ от настоящих игроков. User: is bitstarz legit reddit, bitstarz28. Best bitcoin casino sites in 2020, bitstarz review. Canada news, covid-19 news and headlines from around the world. Live breaking news, national news, sports, business, entertainment, health, politics and. Where you presumably can make investments your time, bitstarz review reddit. Пользователь: bitstarz birthday bonus, bitstarz review reddit, Do not miss out and start enjoying our great BTC Slots game selection. You can choose from a wide selection of new Bitcoin slots providers such as NetEnt, BetSoft, Pragmatic Play, Habanero, Yggdrasil, Microgaming, and many more, bitstarz бонус код. Established in 2014, Bitcasino is a Curacao licensed online casino, where you can play using multiple cryptocurrencies, including Bitcoin, Ethereum, Tron, Litecoin, and Tether. In April 2020, Bitcasino announced support for Ripple (XRP), with minimum deposits starting from just 50 XRP, and minimum withdrawals from just 100 XRP, bitstarz para yatırma bonusu yok 20 tiradas gratis. A ten percent referral income on referral claims Ten percent bonus on all your claims for using Bitcoinker for a period of 30-60 days The maximum seniority bonus payout is 30 percent for long periods of use, bitstarz žádný vkladový bonus 20 tours gratuits. Bitcoinker ranks 4th on our list. You have to win all the bets in the selection for your parlay to payout, bitstarz 24. If one predicted result is incorrect you will lose your bet. This is one of the most successful bitcoin faucets, bitstarz promo code october 2021. This legit bitcoin faucet has been paying its users since 2013. If you want to bet Ethereum, it is the same as betting with fiat. As long as you are legally allowed to place your bets on a site, you can bet on sports with Ethereum, BTC, or any other cryptocurrency, promo code bitstarz 2020. It allows you to claim a lot of free coins in minutes and also it uses CoinPot for instant payment of your earnings. Everyone wants to earn some free satoshis or bitcoin and Bitcoin faucet is the best way to do it, bonus codes bitstarz. Permitted Games: Daring Dave And The Eye Of Ra Video Slot Software developer: Evolution Gaming, bitstarz bono sin depósito for existing players. Offer Validity Until: 2022-02-07 How To Claim: Enter Promo Code. However, this lack of regulation can backfire as there are scam websites that can take your deposit, and you will not be able to seek justice because of this anonymity, bitstarz casino para yatırma bonusu yok code 2021. This is why in this article, we will examine how to discover a proper Bitcoin casino and discuss one of the best Bitcoin gambling sites in 2021. This has the desired result of generating a casino game outcome in a completely trustless environment. That is to say, the casino nor the player can see, amend, or manipulate the Provably Fair outcome in any way, bitstarz 51.\nCrypto bitcoin slots review, crypto bitcoin slots review\nAnother consideration is bonuses. A number of sites ' most notably Cloudbet ' will even offer welcome bonuses for users signing up for the first time. For example, a site may offer a full bonus up to 0. Some sites also offer free bets, where you can make a wager without having to put down any currency. There are also bonuses related to whether or not you refer friends who also sign up, and bonuses that reduce the juice ' this is a term that refers to the amount a given sportsbook will charge you when you make a bet on something ' thereby giving you a slight edge, bitstarz review reddit. You can even do so just before you're ready to start playing, bitstarz review reddit. The most important factor that why you should choose BitFun is because of its affiliation with Coinpot, crypto bitcoin slots review. Casinos usually are not enough? start playing for crypto cash in your favourite crypto casino! you can play for actual money in a big casino right now! no. A crypto online casino is a site that accepts cryptocurrencies such as bitcoin, ethereum, litecoin, and so on. They also offer exclusive games. What you need to know before you play bitcoin slots at a top crypto casino. List of the best bitcoin slots casinos - advantages of bitcoin slots - types of bitcoin slot machines - ability to use bitcoin (btc) or another cryptocurrency. If you're looking for a top bitcoin casino, look no further than bitcoincasino. You can fund your casino account using bitcoin, bitcoin cash, ethereum, and. (ad) want to play at the best bitcoin casino sites where you can deposit via bitcoin, litecoin, ethereum, and other types of cryptos? New wave bitcoin slots, real money bitcoin casino games online. You deposit crypto, and fiat funds appear in your account. Burancasino holds a license. We review the top bitcoin casino and crypto gambling sites based on range of games, software providers, safety, reputation, bonuses, vip promos and more. Bitcoin gambling is anonymous and safe. Bitcoinbuster scoured the net and found the best (77+) bitcoin casinos available to play cryptocurrency in 2022. Bitcoin casino no deposit bonus 2021 - find highest paying crypto slots bonuses with zero deposits free spins gambling code. The best bitcasino promo codes. 92 bitcoin casinos reviewed with user reviews and ratings! compare the features and pick the best site. Bonus up to 1. 5 btc + 250 free spins! In our review, we have considered all the games that every crypto casino has to. 10 best crypto gambling sites for betting with bitcoin, ethereum, and more ; bovada, best for betting on sports and playing live dealer casino. It is a decentralised virtual currency or cryptocurrency used by millions of people and businesses around the world. Bitcoin casino transactions will have. Bitcoin casino no deposit bonus 2021 - find highest paying crypto slots bonuses with zero deposits free spins gambling code. The best bitcasino promo codes. Bet on the best crypto casino in 2021. Cloudbet casino offers trustworthy crypto gambling in most major cryptocurrencies | welcome bonus up to 5 btc! The need for cryptocurrency transactions has increased since bitcoin has become the latest big thing in online casino gambling. Most online casino slot. Com takes bitcoin, dogecoin, ethereum, and more. Whether you like online casino games or sports betting,. More and more online casino sites appear in canada that accept a bitcoin casino payment. While we have already listed what we deem to be the. Reviewed for the best odds, proven fairness due to blockchain,. Crypto and bitcoin casinos top list ranked and reviewed. The best casino games and the most attractive signup bonuses. Guides and tips to play on bitcoin. A licensed crypto casino will be able to protect all btc gaming users from risks. In the uk, every online casino should meet the standards. The increasing interest in cryptocurrency has seen many casinos adopt this mode of payment, and even offer unique crypto and bitcoin casino We will transfer the Bitcoins in about one day. You can spend the Bitcoins in many ways, buying items, gambling or selling them for common money, crypto bitcoin slots review. Everyone gets payed 6000 Satoshis at least once. The payments are done every hour to keep down the Bitcoin transaction fee. What is a Bitcoin? Last week winners: Resident 3D - 587.6 eth Sunset Delight - 623.6 bch Secrets of Atlantis - 518.8 btc Jack O'Lantern Vs the Headless Horseman - 608 dog Bowled Over - 190.2 eth Avalon - 392 bch Batman and the Joker Jewels - 389.6 dog Photo Safari - 233.9 usdt Mighty Rex - 329 bch Royal Seven XXL - 456.8 usdt Wild Pride - 607.6 bch Mamma Mia 2D - 469.9 dog DJ Wild - 278.3 bch Platoon - 276.7 bch Billyonaire - 340.3 bch Popular Table Games: Mars Casino Golden Royals King Billy Casino Reel Rush Cloudbet Casino Sky Strikers mBit Casino Flying Ace Mars Casino Dolphin’s Island OneHash Bork The Berzerker King Billy Casino Battle of the Gods BitStarz Casino Romeo and Juliet BitcoinCasino.us Lucky Bomber Cloudbet Casino Ho Ho Ho Diamond Reels Casino Red White & Bleu mBTC free bet Lucky Clover Bspin.io Casino Epic Journey Vegas Crest Casino Classic Fruit BitcoinCasino.us Fancy Fruits Chicken Shooter", "label": "No"}
+{"text": "MEGA888 Slots: 7 Proven Tips for Success\nHow to Win at MEGA888 Slots with These 7 Tips\nBeing well-informed gives you an advantage in life. This is also true when playing online slots. When online gaming where the outcome is completely out of one's control, one may offer one's best shot at winning by doing their best.\nThe outcomes of online slots games are not predetermined. Online slots are purely unpredictable, thus it is fair to state that no level of intelligence can provide you an advantage over other players. With a little effort and the following advice, anybody may improve their odds of hitting MEGA888's prize more frequently.\nIn order to score at whatever internet slot game, players must keep in mind that no access points are exactly same. Additionally, they include a wide range of themes, ringtones, extras, and emblems to choose from. There is also a distinct RTP rate for every game on MEGA888. Check the RTP rate indicated when you start. Big winnings are possible when playing games with a high return to player (RTP) rate.\nIf you're a newbie to online slot games, you may want to take advantage of free games. For such gamers, Mega888 provides free games so they may get an understanding of the game without wagering real money. Just playing for enjoyment is a terrific method to improve your chances of winning money at the casino. Enjoying slot extra rounds is a great way to improve one's game. Always definitely be trying the available internet slot games offered by MEGA888 online slots prior wagering real money.\nWhenever it comes to enjoying online slots, the much more crucial tip is to make a budget for your wagers before beginning your session. Since carelessness will cost you less than you could ever recoup, this is why you should avoid it. If you're going to bet big money, begin with a tiny quantity of money.\nEach slot game in MEGA888 has its unique pay chart, so be sure to check it out. It reveals the significance and value of each symbol. It also tells the gambler if the casino has any crazy symbols.\nWhen it comes to MEGA888 online slots, lesser jackpot were preferable than larger jackpots since they cash out more often. The chances of winning a large jackpot are substantially lower than the likelihood of success a minor prize.\nYou make advantage of various free bonuses, deals, and gifts offered by the Mega88 app, one must utilise the MEGA888 application. In addition to that, it provides new clients with welcome incentives. To put it another way, they may be used to wager rather of one's own funds.\nFinally, if you want to boost your payout percentage, you should play slots with lower volatility rates. Simply said, low volatility rate slots in MEGA888 are ones that pay out smaller amounts more often. Hopefully, these tips will help you better comprehend online slot games. Visit Mega888 for more information.", "label": "No"}
+{"text": "Home enhancement jobs are usually referred to as improvement or house improvement. These tasks enhance the look of an existing residence by customizing the interior or exterior. This sort of job can be done by homeowners or experts. Here’s some information to assist you get going on your job. Keep reading to discover funding alternatives as well as what to anticipate from a specialist. We also go over the qualifications of an excellent service provider. If you’ve never ever done house renovation projects prior to, it’s time for more information! Should you loved this article and you would want to receive details with regards to huttoconcreterepairandleveling.com i implore you to visit the web-site.\nCost of home improvement projects\nHGTV has actually ended up being a prominent source of inspiration for house improvements, as well as this has actually caused a rise in the amount of cash Americans invest on their tasks. According to the Joint Facility for Real Estate Studies at Harvard College, Americans will certainly invest $271 billion on home renovations in 2020. According to their record, the cost of house improvement jobs differs by primary purpose. The highest ordinary invested was for selling a home, while the cheapest was for a fresh, makeover. As well as the cost of these projects differed by area as well as city.\nThe expense of residence improvements differs widely, relying on the type of job as well as going specialist rates. The Residence Renovation Record 2018 by NerdWallet assessed nationwide costs information, along with enhancements in the 15 largest metro locations. Ultimately, the price of a residence improvement project varies depending on the sort of restoration, going specialist prices, and also products used. Listed here are the average expense of various renovation jobs in each city.\nFunding choices for home owners\nThere are several kinds of funding choices for home owners when doing home renovation projects A house equity line of credit history, or HELOC, is among the most preferred kinds of home improvement car loans. This kind of car loan enables a homeowner to borrow as much as 80% of the worth of their house to fund renovations. While there is no zero percent funding offered with this kind of funding, the passion rate is normally lower than with other sorts of fundings. With a HELOC, you can borrow approximately 80% of the home’s value, with a regular monthly repayment that will certainly rely on the balance of your loan. You can even refinance a HELOC with time to pay it off.\nAn additional sort of funding for residence enhancement tasks is a cash-out home loan. This kind of finance enables homeowners to refinance for greater than they owe, which lets them make use of the added money to make fixings. A cash-out home mortgage likewise lets home owners re-finance at a low interest rate, which is beneficial for homeowner who want to save cash on their repayments. Financing choices for homeowners when doing residence improvement projects consist of individual car loans and lines of credit scores.\nResidence renovation reveals frequently include diy jobs that resemble they would certainly be straightforward sufficient for the typical person. We see dull kitchens changed into modern-day wonders. Yet these restorations are really not as easy as they look. There are safety codes to follow, so it is vital to look for the services of experts in particular fields. This is particularly real when it concerns electricians as well as constructing trades.\nNevertheless, there are also numerous advantages to doing diy tasks for home enhancement. Other than reducing the expense of hiring specialists, diy tasks additionally give the advantages of versatility as well as control. You can deal with them when you have the time and also the cash. Provided listed below are some tips to obtain begun on your next residence enhancement job. Do not fail to remember that your home is a major property and also ought to be dealt with with satisfaction.\nService providers’ credentials\nThe Division of Labor has actually published professional licensing guidelines and also application web links. There are additionally neighborhood demands and also licensing authorities for house renovation service providers. In New York State, service providers are classified as “home improvement specialists,” “general professionals,” or “subcontractors.” In Suffolk Area, electric, plumbing, home appliance, as well as electronic devices specialists are needed to register with the Division of Labor. This registration process needs a background investigation and also a background check. The candidate should send a General Contractor Registration Form to the division.\nIn Massachusetts, contractors should be certified by the Workplace of Public Safety And Security and Inspections. Home enhancement specialists should get a Residence Improvement Professional enrollment to work with existing buildings. For bigger scale tasks, specialists have to obtain a Building and construction Supervisor Certificate from the Workplace of Public Safety And Security and Inspections. If the contractor has actually finished at the very least 3 years of experience in building construction, she or he can look for an unlimited certificate by passing an exam. New residence contractors are exempt from licensing needs. In the event you loved this post and you would want to receive details concerning Concrete Repair Hutto https://huttoconcreterepairandleveling.com kindly visit our webpage.\nEven more strategies from highly recommended editors:", "label": "No"}
+{"text": "Find the Best Online Gambling Sites with the Best Bonus Features\nOnline casinos are also referred to as virtual casinos or casinos online. They are virtual versions of offline casinos. The online casino concept is that players can play casino games from the comfort of their homes. In this way, they save time and money.\nCasino games online offer the convenience and affordability. Online casino games offer the chance to play the same games as you would in real life, with the added benefit of being totally free. Many of the top online casinos provide betting on sports. They have integrated sportsbooks in their systems.\nSportsbooks are regulated by the Government, and therefore are dependable. While they aren’t as reliable as online casinos, they provide excellent customer service. Thus casinos online use sportsbooks to attract customers.\nTo get the best real money offers sportsbooks require you to register and make deposits. The deposit amounts differ from one site to the next. It is recommended to test out different casino sites and deposit amounts in order to determine which one provides the best deals. Bonuses are provided by a few casinos on the internet. Bonuses are a reward for players who refer new clients to the site.\nThe two most popular online casinos that offer bonuses are Bovada and Intercasino. Many casinos offer great incentives to players who play at their online casinos. Cash payments and bonuses can be made in the form of cash payments or sign-up bonuses, cash payments to your refers, or cash payments to your refers. As part of their promotions, casinos may offer free spins on slot casino x com machines.\nOnline gamblers don’t need to be concerned about the credibility and legitimacy of the casino site they select. Before making any deposits it is essential to verify the reputation of the online casino site. Reputable gambling sites ensure that free spins and bonuses aren’t fraudulent scams. To encourage players to play the game, they offer high conversion trada casino bonus codes rates and transaction fees. A good online casino will have gaming tables with real money.\nSign-up bonuses are provided by many online casinos. These bonuses may be in the form of the welcome bonus, sign-up bonus, or a gift card to casinos. Casinos do not always announce these bonuses. You can usually learn about these bonuses by reading the FAQs on casinos’ websites.\nReal money plays a significant role in a casino’s success. This is why it’s important to look into the reputation of the casino prior to depositing your hard-earned cash. While casinos offer many bonuses, only games that are real money are legal in most states. Before you select the game you want to play on a website, check the bonus section for deposit requirements and deposits requirements.\nSome websites offer more than just money-based games. Some websites offer roulette and baccarat in addition to the above-mentioned slots. The most popular games on these websites include poker, blackjack and bingo. Some websites provide additional banking options, like live transfer and electronic withdrawal. Some casinos do not offer banking options.\nMany casinos that are popular offer incentives and promotions when you deposit money. You can get bonuses in different forms. Most casinos use gaming points to reward customers who deposit money in their online casinos. Gaming points are earned every time you win or fold a game. Many sites offer cash bonuses to their clients as a bonus. Online gambling sites that offer the most lucrative bonuses for beginners and experienced players alike provide various bonuses.\nReputability of online casinos varies. Online casinos are generally considered safe in the event that they have a positive reputation and follow certain rules of conduct. A reputable online casino must have a secure and secure payment system, top-quality customer service, and security measures. Excellent customer service is essential for the best online casinos.\nA good casino site will provide deposit bonuses as well as cash incentives for online casinos. You can withdraw your winnings, or get cash back on your deposit funds via credit cards or paypal. Online casinos allow you to play a variety of slots. You can pick from the different games available at the casino. You can also play free.", "label": "No"}
+{"text": "Distressed Credit Card Keychain1059D\nAvailability: Out of stock\nBrand: Mad Style\nDistressed Credit Card Keychain\n- Distinguished distressed man made leather in this Classic credit card holder with zip pouch.\n- A chic way to hold all your essentials.\n- Adorned with a fashion forward tassel and ring to add keys.\n- Boho Laser cutouts on the front\n- Material: Faux Leather\n- Dimensnions: 4.5 x 3.5 x 0.1", "label": "No"}
+{"text": "China Purchasing Service is one of the most common buzzwords today in the IT Industry. There is a massive need for such services, as China is the fastest growing consumer of technology. However, are they worth it? There are many pros and cons to using a China Purchasing Service which you need to investigate. It is always good to have more alternatives when faced with a tight budget, but there are downsides to a China Purchase Service. They have several benefits, but they also have their fair share of problems as well.\nOne of the biggest benefits of using a China Purchasing Service is that you get to buy in bulk. This can save you tons of money over the years, especially if you are a supplier and have bought in bulk before. Also, by buying in bulk, you will reduce your operational costs and increase your profits. However, you do sacrifice quality control as it is not uncommon for some suppliers to use substandard equipment and China is not known for that.\nAnother benefit is that you can reduce the cost associated with export processing gom order taobao. Most goods that are sent from China to European or American destinations come in small packets, which increases the cost associated with shipping. You can leverage the power of a China Purchasing Service and package your goods in bulk and get them shipped at an affordable price to the ultimate destination.\nHowever, there are negatives too. It is important that you choose reliable companies who can deliver your goods on time as your brand name and reputation is at stake. It is also important that you look out for China-based companies that have good track records. China is emerging as the next big global manufacturing hub but finding a reliable China-based company is quite a challenge.\nChina Purchasing Service can help you find a China-based supplier. However, it may not be possible to get hold of their products. This is because these companies often outsource to lower-cost locations. They might be sourcing to countries such as Malaysia, Vietnam and Taiwan. You would need to increase your China-based search areas and find reliable China-based distributors.\nThis is because Chinese companies follow different trading practices and protocols. For example, a product produced in China could be branded by a local firm and shipped to the European or American mainland for branding purposes. A European distribution company may source directly from China and make the necessary modifications to the product. Products exported from China to European and American destinations must be kept in compliance with local practices. If you intend to sell branded goods to European and American customers, the packaging must comply with European and American product standards.", "label": "No"}
+{"text": "To use this page you only need two things: a bookmaker to take your bet, and an online exchange where you can place lay bets on the same game or event. Calculate level-profit stakes for Back/Lay betting (arbing and trading) in same- market or cross-market betting. The site also explains Back/Lay arbitrage and. Online newbalance996forwomen.top shows to you which betting exchanges are professional, vivid and recommendable. Betfair is certainly a synonym for betting exchange, but there are a few others. Bet successfully with the best system bets calculator!. This online tool calculates various strategies when a hedging opportunity exists using a betting exchange such as Betfair , where you can back and lay selections. Lets use an example. In both cases, you win if the Home team wins or the match ends as a draw, while you lose if the Away team wins. Remember that a same market arb is theoretically impossible, as an exchange's lay price is always higher than the corresponding back price. This calculator can be used for any betting exchange such as Betfair , Matchbook and Smarkets. Simply fill in the boxes with your back price, stake and lay price then click the recalculate button to see how much you should lay shown in red at the specified price to guarantee an equal profit win or lose. Click on the \"Calculate\" button to display how much you need to lay for and how much profit or loss you will be left with. Betting Strategy Mar 6, And walk-up unweary to spinner. Enter your target Back Price and the Lay Price. HORSE RACING BETTING EXCHANGE PROFITS. To maximise your outcome try to bet on events which have the closest odds at the bookie and exchange, for example betting Arsenal to win a match at 2. Abnormally, maam\" flounceed rigidness. Complete Guide for Excel Betting Tracker Spreadsheet. You have placed a back wager with a bookmaker or a betting exchange and lay odds are available on a betting exchange that are lower than the back odds 2. Excel Staking Plan Calculator Doubles as a betting tracker. Anyone who wants to start a career as a football trader needs to be comfortable with betting exchanges, Excel Staking Plan Calculator Doubles as a betting tracker. After hitting the calculate button you will see 3 sets of numbers. How does football trading actually work? This calculator is designed to help you find out if it is possible to make money by opposing your original bet.", "label": "No"}
+{"text": "NOTE: Portfolios are not available for sale at present\ndue the expenses and difficulties in having them produced and shipping\nfrom outback Australia.\nPortfolios are collections of my best images organised by theme,\nie Landscapes, Birds, Locations.\nAll portfolio images are also available as\nLimited release prints\nEach portfolio consists of 10 reproductions selected by my good\nself and priced at\n$50.00 (Aus) for the full set.\nIf you don't like my selections you can create your own by collecting\nimages into the \"Your portfolio\" page. Once you have chosen\n10 or more images you can buy them as a set for\n$6.00 (Aus) per image.\nTo add images to your portfolio click the\nAdd these photos to my portfolio\nbutton displayed at the top of each portfolio. This will add ALL\nthe portfolio's 10 images but you can then remove the ones you don't\nOpen Portfolio page #01\nNOTE: Due to the recent total rewrite of this site there are only\nthree portfolios at present but I'll be adding to this section continuously\nover the next few months.\nMeanwhile if you want to see some of the old-style galleries.\nGo to stock galleries page", "label": "No"}
+{"text": "This data allows for an optimal response to market changes and creates unique transparency. We additionally provide suppliers with precise figures regarding their online visibility and show which buyers have visited their company profile.\nProfile views are usually an indicator for relevancy. Therefore we show which buyers have visited a company profile on a daily basis and enable them to proactively contact the interested party.\nWe additionally provide information on how often a company profile appeared in Google rankings and if the visitors found the profile through Google or through the Techpilot platform.\nA first virtual visit is frequently the basis for a promising customer contact.\nPremium members can easily gain insights on how many suitable inquiries they were informed about for the period of the last 30, 90 and 360 days. These insights also contain information on how many of these inquires were opened and how high the own willingness to make an offer was.\nFurthermore, the inquiry value is broke down into the categories small, medium, large as well as the entire volume of the matched inquiries.\nSuppliers can have an eye on their own activities at all times and optimize sales using this data.\nThe question of the right price for an individual drawing part is complicated and complex. Important factors for the price calculation include the respective machinery, the basic wage costs as well as personal experience with comparable components.\nBy means of our individual offer analysis, we provide suppliers with a tool to compare their own prices to those of direct competitors in an anonymous manner. This allows suppliers to focus on certain inquiries and increases the chance of converting offers into orders and long-term customer relationships.", "label": "No"}
+{"text": "Wesfarmers managing director Rob Scott said the acquisition would also enable the conglomerate to enter the “growing hea...\nAustralian Pharmaceutical Industries will shut 14 Priceline stores across the country due to the impact of falling foot ...\nPriceline aims to deliver improved range, convenience and price through expanded partnership.\nEmployees will also be entitled to five days paid and five days unpaid Family and Domestic Violence Leave.\nAn Australian obstetrician is making hydration easier for expectant mums.\nOlympic gold medalist joins Australian skincare company.\nPharmacy chain makes a point of difference with health stations.", "label": "No"}
+{"text": "mining companies in zimbabwe. Mining companies of Zimbabwe the government ordered the companies operating all …\nZimbabwe / Zimbabwe Mining BMI's Zimbabwe Mining Report provides industry on the current activities of prominent companies operating in the\nlist of mining companies in zimbabwe. Zimbabwe mining news, Zimbabwe mining jobs, Zimbabwe mines, companies, the government ordered the companies operating\nMining Industry Prospects in Africa of protests and conflicts between mining companies and companies are currently operating more than 650\nmining companies in zimbabwe and was Zimbabwe s leading industry in 2002 and African Mining11 mining companies operating in\ncompanies operating in zimbabwe mining industry. list multinational mining companies operating in zimbabwe Mining was Zimbabwes . Servers Online;\nmining companies operating in west africa; Mining Companies in Africa | Mining Industry in Africa registration procedures to a mining business in zimbabwe;\nCaledonia's primary asset is a 49% interest in the Blanket Mine Zimbabwe of Blanket. Blanket Gold Mine is a mining industry has operated for\nThe Zimbabwe Mining Report has been intelligence on the mining industry in Zimbabwe. and operating statistics and key company mining industry companies operating.\nProfits for Oil, Gas & Coal Companies Operating in the drilling and mining. This includes many foreign companies Fossil fuel industry lobbying expenditure and\nJan 28, 2015· In a report issued in December the mining chamber said that mines were making losses of up to $100 an ounce due to weak gold prices and high electricity\nSep 20, 2013· Zimbabwe's mining industry is Zimbabwe: Zim's Mining Policy Must Now Ensure requires all foreign mining companies operating in Zimbabwe …\nTHE Zimbabwean government has successfully arm-twisted diamond mining companies by Zimbabwe: Govt Arm-Twists Diamond Mining companies operating …\nFebruary 20, 2015 By E-Mail:, the Zimbabwe Mining Development Corporation, have used stock exchange reports by Canadian mining companies operating in Zimbabwe …\nComplete mining information for Zimbabwe List Mining Companies Zimbabwe the government ordered the companies operating all Zimbabwe Mining Industry\nChamber Of Mines Zimbabwe Listing Of Mining Companies Operating once again to support investment in mining companies operating mining companies in zimbabwe\nThis is an incomplete alphabetical list of mining companies A. Adex Mining; Aditya Birla Group Korea General Magnesia Clinker Industry Group; Korea General Zinc\nA profile of Mining in Zimbabwe with directories of companies, people, industry sectors, projects, facilities, news and events.\nTHE MINERAL INDUSTRY OF Zimbabwe Mining The Gold Trade Act gave the Reserve Bank of Zimbabwe Zimbabwe Ltd. had several subsidiary companies operating\nMultinational mining companies operating in Zimbabwe are offering a 26 percent stake to be transferred to indigenous The global mining industry is experiencing\nThe Mineral Industry of Zimbabwe inUSGS Chinamasa has hit out at mining companies in Zimbabwe, ordered the companies operating all but two of\ncompanies operating in zimbabwe mining industry. Environmental Industry Companies and Suppliers List of companies,\nHome > Quarry and mining > chamber of mines zimbabwe listing of mining companies operating in zimbabwe. Mining industry of South Africa - Wikipedia,\nComplete mining information for Zimbabwe - Zimbabwe mining news, Zimbabwe mining jobs, Zimbabwe mines, companies, stocks, suppliers, equipment and more.", "label": "No"}
+{"text": "Content creation is like a baseball game. You can’t hit a homerun all the time. Sometimes you score by getting a single here or a double there. Sometimes you don’t get on base, but move the runners. However, after doing that is when the runs come in and it makes the sometimes painfully slow game pay off.\nGood content takes a while to master. It’s not always an overnight success, and that’s one reason I think some companies are skeptical to commit to it. They fear that they won’t succeed, and often these companies don’t have a lot of wiggle room for error due to tight cash flow.\nIf you are a company that really is interested in creating good content, here are some things to help you get started:\nGet the execs onboard\nThe best content creation companiest are those that have upper management sold on the idea. This won’t go anywhere if your CEO is questioning what you are doing all the time and wondering what it is worth. It will end quickly.\nHire a full-time person to lead the efforts\nWhile this might be taking money out of my agency’s pocket, I do realize that having someone internally to lead the charge will make the process go smoothly. I’ve worked with companies that had us leading it and others that had someone else that directed it with our assistance. For me personally, it ran better when it was someone’s dedicated job was to do that.\nCreate a content calendar\nWhat tends to happen with companies that I’ve worked with in the past that assign the receptionist to “handle” their content is that they are often bogged down with work and post something thoughtless and sloppy just to mark it off their to-do list. The idea behind a content calendar is to get people thinking not about just tomorrow, but 6-8 weeks down the road and how they might hijack stories that other media outlets are writing.\nIf you are interested in content creation, then really you need to cannonball into it. It’s more detrimental to start and stop than to not create content at all. We’ve all had that friend that says he or she is going to lose weight. They start and stop over and over, and the next time they bring it up you roll your eyes and think “not again.” The same goes for your audience when they see you do this with your content.\nGoogle Fiber has committed to finishing the network build out of the existing iProvo fiber network to every home in Provo.\nCurrently there are 35,000 homes in Provo and only 9,000 are currently connected.\nIt costs $600 to $1,000 to connect each home.\nTo connect the additional 26,000 homes (figuring an average $700 per home) will be an $18 million infrastructure investment.\nThere will be a $30 activation fee, but basic Internet will be free for seven years. Additional services such as higher bandwidth, TV service etc. will have subscription fees.\nThe approximate investment Google Fiber will make in Provo is about $50 million.\n- Professionals with fewer grammar errors in their profiles had achieved higher positions.The profiles of those who’d failed to achieve director-level positions within the first 10 years of their careers made 2.5 times as many grammar mistakes as their director-level colleagues.\n- Fewer grammar errors correlate with more promotions. Professionals with 6-9 promotions made 45% fewer grammatical errors than those who’d been promoted 1-4 times.\n- Aggressive – Quick to enter a trade, but may exit quickly when a loss appears\n- Intuitive – Relies on emotional intuition to get in and out of trades\n- Analytical – Analyzes every possible variable before taking action\n- Methodical – Likely to trade on a system, not much regard to gains and losses\nHow do you reuse your content? Who has the most “extreme” example?\nBefore I decided to major in public relations in college I was studying history to one day become a professor. I’ve always been fascinated by the things we can learn when we look back on the mistakes and successes of our ancestors.\n- Resolve to diversify your income. You can diversify your money by taking a small portion of your income and putting it to work for you in other investments. Doing so will put your money to work and give you additional forms of income in addition to your job earnings. Even $50 - $100 more per week in earned income can have a significant impact on your personal finance situation. It allows you to trade money for money instead of just time for money.\n- Resolve to use leverage. Like any industry that uses tools, leverage is the tool of choice in the financial world. Using small amounts of collateral or money deposits to control larger amounts of investment gives your money a bigger bang for your buck. A lot of people don’t understand what leverage is or how to use it. If you resolve to learn how to use it properly, it can become a powerful tool to allow you to do things with your personal investments that you couldn’t do before.\n- Resolve to diversify your risk. Risk diversification is key to financial success, but most people fail to diversify risk correctly by forgetting most of their assets are in U.S. dollars. Diversifying some of your assets in foreign denominated currency can add that last bit of safety you need in case of a deterioration of the U.S. dollar.\n- Resolve to invest in yourself. You don’t need to eat the entire financial elephant in one sitting, instead commit to investing a small amount of time each week learning new financial strategies and concepts. In just a few short weeks, your new found knowledge can sharpen your financial skills and senses.\n- Resolve to follow your personal investing style. Just as certain physical traits are more conducive to different sports or certain personality traits are helpful in different professions, each person has financial traits conducive to different styles of financial management – financial traits that are good for success. Learn what makes you tick and invest based on your personal financial trait.\n- Resolve to always pre-calculate your risk of loss. Any time you put money to work, there is a risk of loss. Risk of loss should not be a problem if you correctly calculate the risk before you invest and are financially willing to accept some predicted loss. A good investment is one where the potential gain is greater than the pre-calculated loss.\n- Resolve to mix-up your markets. There are more markets than just the stock market - or the mutual fund market. There are five separate and independent financial markets: stocks, bonds, derivatives, commodities, and currency. Not all markets move the same way at the same time. This opens up new opportunities for profit as well as protection. Learning what the other markets are and their structure and advantages can give you a leg up in your financial future.\nThis article originally appeared in my regular column at Forbes.com:\nMy company is booming. I’d like to say I’m one of the lucky ones – but thankfully, at least in the Salt Lake City region, I’m hearing the same from scores of other businesses too.\nAt just under six years old, our communications agency has closed a record November, a record December, and a record year in 2012.\nYes, we have put the recession behind us. But I attribute much of our recent success to progress we’ve made in helping to evolve the model of communications. The traditional models for public relations are not the factors that matter most any more (although they still do matter, and in my opinion, always will.)\nSEO – Social SEO – and Social Media are giant factors in the new communications equation. So is content development. Content that “promotes” has little or no use to today’s impatient consumers. Efficient communications, and content that provides a high value-add is the name of the game. Broadcast is increasingly important. Infographics. Video. eBooks. Columns and authorship. Several of our strongest clients have published or are currently in the process of publishing books.\nOur own business model is evolving as well. Generally speaking, the function of communications holds an increasingly vital role at the executive table. Organizations are realizing the role communications strategy and execution can play in their very success.\nWe are providing services that are more leveraged, with the help of new tools. Our hope is to make PR tools available to an entire generation of new consultants and to startup and growth companies who couldn’t afford traditional agency resources before.\nWe’re growing upward and outward at once.\nHere’s my 2013 wish list:\n- 75% growth—while adding just 25% to our company headcount. Software tools and contractor resources will help us accomplish this goal.\n- Affordable healthcare. So far so good – amazingly, the insurance package our provider was able to offer has given us the option of traditional PPO policies again, at least for this year. Next year may be another question—but for now we are good.\n- Workable tax rates. Like all business owners in America, we are holding our breath.\nAnd my 2013 fears:\nIn honesty, we’ve designed our growth model around the need to hedge our bets on our fears. To achieve high growth, our model relies increasingly on software tools and contractor resources. We can’t risk the additional overhead of more space, more employees, and probable increases in business-unfriendly tax legislation. We’ve watched too many agencies be felled not by their inabilities, but by the leases they signed and the staffs they hired in advance of actual needs, putting them in positions they couldn’t successfully unwind. We will never make that mistake.\nBut what are my other fears?\n- I’m concerned that some of the new functionality we offer may prove to be more difficult to obtain, to share and maintain than we think.\n- I also worry that if we configure or price our tools incorrectly, it will cost us invaluable time.\n- I fear the prospect of creating and enacting a pro forma for a company that includes a SaaS software component. While I know how to forecast and operate a service company like the back of my hand, modeling a hybrid company that provides both service and software is another story. I will need help. Thankfully, we have superb mentors, including several of our most accomplished client partners, Alan Hall and David K. Williams, who are available to help and advise in these tasks.\nWe live and work in volatile times. But for the most part, as I survey the year ahead of us, I am extremely excited. Our business has never been more ready to go.\nI’m a big fan the Zeitgeist report and video that Google releases at the end of every year. It serves as an informative look back at notable events and people—things that defined the world’s conversations throughout the year. Although the report leads me to personally reflect on how my perspective has been impacted by events going on around me, it can also serve as a tool for marketing professionals.\nIt’s important to stay up to date on the things that matter. It seems like Americans’ attention spans are shorter than ever before, and what was cool yesterday can be irrelevant today. Stakeholders better receive a company’s messaging, outreach, and social media activities if they perceive the company has a good pulse on reality, a pulse on the things that matter to them.\nAm I suggesting your news releases feature viral videos from the likes of Korean pop sensation PSY? Not exactly. But you should stay up to date about what’s hot using a site such as Google Trends and look for opportunities to correlate your news with what others are talking about.\nSo what did people search for in 2012? Here’s Google’s list of the top 10 searches worldwide:\n4. iPad 3\n5. Diablo 3\n8. Amanda Todd\nWhat will be big in 2013? We’ll just have to wait and see.\nSix of the 10 PR disasters of 2012, according to a BusinessInsider article on Monday, started on Twitter. For example, a twitter campaign by McDonald’s backfired in January when people started using the #McDStories for negative stories instead of the positive ones the marketing team had anticipated. “Fingernail in my Big Mac” and “Hospitalized for food poisoning…” made its rounds on Twitter. #notthestoriestheywanted. Or remember the Tweeted photo of the Burger King employee standing in lettuce in July? #gross. Or more recently, when American Apparel (and several other big brands) exploited Hurricane Sandy as an excuse to offer sales to victims? (Are you bored during the storm?” the company tweeted. – #PRfail.) Burger King fired the lettuce-stomping employee, McDonalds pulled the hashtag as soon as it saw the campaign going south, and American Apparel chose not to do anything. All three brands suffered to varying degrees.\nSo how can you take advantage of the benefits of reaching thousands – even millions – of potential customers on social media without falling victim to social media gaffes that land your company on the front page for all the wrong reasons?\nPut a social media policy in place. While this wouldn’t have mattered for the #hugeidiot that posted photos of himself in lettuce at Burger King, it should establish set guidelines that will help guide the majority of your employees to keep on topic with positive stories from your company.\nMake sure your employees understand that while they are free to express their views, if they reference being an employee of your company in any posts or choose to discuss company happenings, they basically represent your company at all times, even off the clock.\nIn light of this, your social media policy should include at least some of the following:\n1. Be Yourself: On your main social media page (whether Twitter, Facebook, LinkedIn or a personal blog), make it clear to your readers that the views you express are yours alone and that they do not necessarily reflect the views of your company.\n2. Be Confidential: Avoid disclosing any information that is confidential or proprietary to the company or to any third party that has disclosed information to your company.\n3. Be Respectful: Since your Twitter or Facebook account - or blog - is a public space, be as respectful to the company, its employees, its customers, its partners and affiliates, and others (including competitors) as the company itself endeavors to be. If you start to get negative feedback, count to 10 before responding. Consult your company’s PR/marketing team to help determine the best way to continue the discussion, if at all.\n4. Be Mindful: Know that as with any coverage, your company is watching for and tracking any mention. They will see your posts. Speaking of which, limit social media while at work to posts and comments related to work as part of an intelligent, strategically directed social media campaign. Even more important, if you have any doubt about whether to Tweet or post something on Facebook, have someone you trust look at it first!!\nAm I missing anything? Do you have any stories to share of Tweets gone bad?", "label": "No"}
+{"text": "If you’re interested in betting on sports games, a sportsbook is an excellent place to start. These books are available throughout the country and offer a variety of services. Some offer a money-back guarantee on losing bets and allow you to earn profits without taking big risks. However, before you place a bet at a sportsbook, make sure you understand the rules of each site. This will help you avoid any misunderstandings and avoid losing your hard-earned cash.\nSportsbooks are highly regulated, and they must adhere to strict laws and regulations. In addition, they must monitor all wagering activity and record the full name of each player who places a bet. To do this, they must have a system that allows them to scan the player’s club account number and match it with their real name. In addition, each time a player places a bet, the sportsbook records the date and time of the bet. This way, if the player’s bet wins, they will be credited with the winnings.\nThe number of bets placed at a sportsbook changes throughout the year, depending on what sports are in season. During these times, bettors tend to favor certain teams and create peaks in the sportsbook’s business. The sportsbook must be careful to balance these peaks and valleys so that it doesn’t lose money on large wagers or increase its deficit with small bets.\nA sportsbook’s odds are determined by a number of factors, including the venue where the game is being played and the home team’s advantage over the away team. The sportsbook adjusts its odds to compensate for this factor, lowering the home team’s line and raising the away team’s line. In addition, the sportsbook considers the amount of money that is already being bet on each side to determine how high or low the lines should be.\nWhile it is not possible to accurately predict the outcome of a game, professional bettors are prized at sportsbooks for demonstrating long-term profitability by beating closing lines. To do this, they must be able to tell when the line moves, which is why they often place their bets as soon as they are posted. By doing so, they hope to show that they know something that a handful of employees at the sportsbook don’t.\nIn addition to the various sports betting options available, online sportsbooks have a wide selection of bonuses and rewards for their players. Many of them also offer a number of different payment methods, including credit cards and popular transfer services. These are important considerations to keep in mind when looking for the best online sportsbook to use. It is important to compare different sportsbooks’ bonuses and promotions before making a deposit. This will help you find the one that fits your needs and budget. This will also ensure that you’re getting the best value for your money.", "label": "No"}
+{"text": "Minnesota Timberwolves big man Karl-Anthony Towns aka KAT just turned 27 years old and celebrated his birthday in style. His long-time girlfriend Jordyn Woods led him into a private room where KAT was holding two bottles of wine only to be surprised by those closest to him.\nThe room looked incredible. But it was the Louis XIII Remy Martin Cognac which retails around $4,000/bottle. It used to be around $2,500/bottle but those prices have skyrocketed. And that’s just the retail price of this rare cognac.\nA ‘shot’ of the Louis XIII Remy Martin cognac can cost upwards of $250 depending on where you are drinking. And a bottle of this rare cognac Karl-Anthony Townse was drinking for his birthday could easily cost 5 to 10x at a club with the markup in price.\nKarl-Anthony Towns, his girlfriend Jordyn Woods, and friends shard pictures from the private birthday party including the several thousand dollar bottle of cognac:\nHere’s the Instagram post from KAT’s girlfriend Jordyn Woods showcasing the sushi, dinner, cognac poured in some interesting glasses, and the outrageous balloon display:\nJordan Woods gifted Karl-Anthony Towns a sick diamond bracelet for his 27th birthday which can be seen in those Instagram posts above. All in all, it looked like what I’d expect a 27-year-old NBA star’s birthday party to look like: expensive wine, cognac, sushi, gifts, and luxe decorations. It was all tasteful and I guess my personal invitation got lost in the mail or something…\nHere is a brief history of the Louis XIII cognac:\nAnd here is a side-by-side tasting of Louis XIII cognac versus Jack Daniel’s for the real ones out there who are curious:\nAt the end of the day, a few thousand dollars on cognac at a birthday party is nothing for Karl-Anthony Towns. He signed a 4-year, $224M super max extension with the Minnesota Timberwolves this Summer. He is earning $33,833,400 this season and $36,016,200 next season. After that, KAT’s earnings jump to between $50M-$62M/season for the following four seasons. Must be nice.", "label": "No"}
+{"text": "Top industry suppliers lined up to support European Gaming Congress VE (Virtual Edition).\n#EGC2020ve – The virtual edition of European Gaming Congress 2020 is taking place between 6-7 October and gathers top names of the gaming industry who will present their insights to create Europe’s largest gaming compliance gathering.\nThe conference covers +28 jurisdictions and you have the opportunity to dive into quality content while also build your network of contacts.\nAmong the top jurisdictions coverage, you will hear vital updates about Italy, Malta, Greece, Netherlands, United Kingdom, France, Spain, Portugal, Ukraine, Czech Republic, Slovakia, Poland, Hungary, Slovenia, Romania, Bulgaria, Austria, Germany, Switzerland, Lithuania, Latvia, Estonia, Denmark, Sweden, Bosnia and Herzegovina, Serbia, and Montenegro.\nAmong the top names confirmed are representative of Malta Gaming Authority (MGA), French Gambling Authority (ANJ), and several industry stakeholders such as Kaizen Gaming (Betano-Stoiximan), Altenar, NSoft, Parimatch, Enlabs, Evoplay Entertainment, STATSCORE, UltraPlay, Endorphina, Oddspedia, Habanero Systems, Singular and more.\nYou can find more details about the speakers’ and moderator on the official website of the conference: www.europeangamingcongress.com\nHere is a brief introduction of these innovative companies:\nSoftSwiss is a leading tech company focused on the iGaming market. It supplies ultra-powerful, widely acclaimed, certified software solutions for managing online casino and betting operations worldwide. It also provides cost-effective White Label solutions and various operational services.\nAmong the products, SoftSwiss offers a powerful online Online Сasino Platform, Game Aggregator with thousands of casino games, an Affiliate System, and Sports Betting Platform. The solutions are well-known for their flexibility coupled with the benefits of excellent post-sales support and transparent pricing.\nThe company holds a number of gaming licenses, providing “one-stop” White Label solutions while taking care of all technical, legal, and financial processes on behalf of its customers. Moreover, SoftSwiss offers additional B2C services in the form of 24/7 customer support, player retention and reactivation, and extended Anti-Fraud support to operators.\nFounded in 2008, Trustly Group AB is a Swedish FinTech company that makes online banking e-payments fast, simple and secure. The company offers cross-border payments to and from consumer bank accounts at over 3,000 banks in 29 European markets and connects businesses and consumers within e-commerce, travel, gaming, and financial services. In 2017,2018 and 2019, the Financial Times ranked Trustly as one of the fastest-growing companies in Europe on the FT1000 list and the London Stock Exchange recognized Trustly as one of Europe’s most inspiring, fast-growing companies.\nBtoBet is a multinational company and is part of a group with 20 years of experience in software development in IT, telecommunication, e-commerce, and banking, strongly committed to technology and widely investing in technology research and development. The experience gained at the forefront in these advanced environments, compared with the more recent gambling industry, allows BtoBet to be visionary with a deep understanding of the requirements of the market, catching changing trends and anticipating bookmakers’ and operators’ needs. BtoBet is a true partner in technology, offering a standalone platform and services for the iGaming and Sports Betting industry. It counts on a very talented, continuously trained development team and day to day management support to clients. BtoBet allows licensees to be unique in the market, by giving them the opportunity to completely personalize their offers for Sports betting and iGaming business, online mobile, and retail.\nAbout Nordic Gambling:\nNordic Gambling is the only legal firm in the Nordic countries which specializes in gambling-related law such as licensing, compliance advice, and public affairs.\nThey have gained extensive experience in the industry from working with operators, suppliers, service providers, and government regulators. Their team has been closely involved in the development of the law and regulation in a number of European jurisdictions, including Denmark and Sweden.\nThe partners of Nordic Gambling are recognized among the leading legal experts in the gambling industry and are qualified to assist you with whichever legal issue you may encounter.\nThe team at Nordic Gambling is also very pleased to announce that they have contributed a section on Sweden, first published in the latest version of the International Comparative Legal Guide to Gambling 2020. You can read that chapter here.\nIf you’re looking for an affiliate network that helps you make more predictable revenue more often, you might want to consider MaxWeb.\nMaxWeb is currently the #1 fastest-growing affiliate network, and they specialize in maximizing results for both affiliates and advertisers. No exaggeration. They focus on carrying only the best offers and provide maximum commissions—you’ll get payouts up to 3 times a week.\nYou can find more details about the Agenda here!\nFor further inquiries about the speaking/sponsoring options, make sure to send an e-mail to Andrada Marginean (B2B Sales Executive at Hipther Agency) or subscribe to the weekly newsletter on the following link.\nFor media-related inquiries, please contact Alexandru Marginean (Marketing Specialist at Hipther Agency).\nPowered by WPeMatico", "label": "No"}
+{"text": "Traditional channels such as grocery stores are a great place to start when looking for canned abalone. Many grocery stores carry canned abalone and they may have different varieties or price points for each type. Additionally, some supermarkets tend to carry more expensive varieties of canned abalone. Specialty food stores that are typically found in shopping malls and large neighborhoods are also a great option for finding canned abalone. The prices will usually be higher than at a neighborhood grocery store but they are still likely to have a variety of types, brands, and price points on offer.\nSupermarkets are another great option for buying canned abalone in Singapore. Most supermarkets carry their own home brands of canned abalone and it is worth trying out their online service as well. Traditional Chinese Medicine retails are one of the best places to buy canned abalone in Singapore. They sell many varieties and will undoubtedly have the best price point for your budget.\nWholesale centers are also a great place to buy canned abalone because they have a wide variety of different brands and types of seafood. Wet market grocery stalls offer the most variety of canned abalone in Singapore. These stalls tend to be more expensive and might not have the brand or variety that you are looking for. However, they produce a quality product with an abundance of options to choose from.\nWholesale specialists and abalone brands are another option for buying canned abalone in Singapore. Wholesale specialists will have different brands and varieties of canned abalone that may be higher or lower priced. Abalone brands typically sold at specialty stores will often have more diverse flavors and cheaper prices than those from a wholesale specialist. You may even find them at grocery stores like NTUC Fairprice which has multiple locations across the island.\nThe best way to find out where you can buy canned abalone in Singapore is to use your search engine of choice. Simply start typing in the name of the item and select “canned abalone” from the autocomplete dropdown menu. After you have entered the word, hit enter on your keyboard and see what results come up.\nIn conclusion, there are many places where you can buy canned abalone in Singapore. Traditional channels such as grocery stores, supermarkets, traditional Chinese medicine retails, wholesale centers, wet market grocery stalls, wholesale specialists and abalone brands are all great options for finding quality canned abalone at an affordable price. Additionally, online channels such as search engines can help you find the best deals on canned abalone.", "label": "No"}
+{"text": "Dreaming of cultivating success in the vibrant landscapes of the Netherlands? The Netherlands is an excellent location to begin and grow a successful gardening business, regardless of your level of experience or desire to grow. From tulip fields to urban gardens, this picturesque country beckons with its rich horticultural heritage and supportive business environment.\nIn this guide, we’ll explore the essential steps and considerations for setting up your gardening business in the Netherlands, ensuring you’re equipped to bloom and thrive in this dynamic market.\nWhy Choose the Netherlands for Your Gardening Business?\nThe Netherlands, renowned as the “Horticultural Heart of Europe,” boasts a conducive ecosystem for gardening businesses:\n- Innovative Horticultural Practices: The nation is well-known across the world for its groundbreaking horticultural methods, which makes it a perfect environment for horticultural innovation and experimentation.\n- Strategic Location: The Netherlands’ location at the intersection of Europe and its outstanding connectivity and access to global markets make it easier to import and export plants, seeds, and gardening supplies.\n- Friendly Business Environment: The Netherlands offers a supportive business environment that fosters growth for companies because of its strong infrastructure, advantageous tax laws, and highly qualified workforce.\nHow to Choose the Appropriate Structure for Your Gardening Business in the Netherlands?\nChoosing the correct form of business structure is crucial for setting up a gardening business in the Netherlands.\nHere’s a brief overview of the options available for setting up a gardening business in the Netherlands:\n1. Sole Proprietorship\nA sole proprietorship in the Netherlands is the most basic type of corporate ownership, where the entrepreneur operates the business as an individual. Despite the ease of use and flexibility it provides, the owner bears perpetual personal liability for the obligations and liabilities of the business.\nA partnership is a business arrangement where two or more people share ownership and management responsibilities. Partnerships can be general (where all partners have equal liability) or limited (where some partners have limited liability).\n3. Private Limited Company (BV)\nA Dutch BV is a distinct legal entity from its stockholders. Because of its limited liability protection, the personal assets of shareholders are normally protected from corporate debts. BVs are subject to corporate tax and are required to adhere to statutory reporting and governance requirements.\nSteps for Registering Your Gardening Business in the Netherlands\nNow that you’ve chosen the optimal business structure, it’s time to proceed with the process of registering a gardening business in the Netherlands:\nChoose a Business Name\nOne of the most crucial steps for registering a gardening business in the Netherlands is to select a unique and catchy name for your gardening business, ensuring it complies with Dutch naming regulations. Register the chosen name with the relevant authorities.\nSelect the Business Entity\nSelect the most suitable legal entity for your gardening business in the Netherlands. The BV is the most commonly used form of business structure.\nRegister with the Chamber of Commerce (KVK)\nComplete the online registration form on the KVK website, providing details such as your business name, address, and chosen legal structure.\nAcquire Permits and Licenses\nDepending on your specific activities, you may need to obtain additional permits or licenses from relevant authorities, such as the Dutch Food and Consumer Product Safety Authority (NVWA) or the municipality.\nSet up a business bank account\nA bank account in the Netherlands is necessary in order to keep your personal and professional finances separate.\nExpected Costs to Start a Gardening Business in the Netherlands\nThe initial costs required to start a gardening business in the Netherlands will depend on your specific business model.\nHere’s a general overview of potential costs:\n- Registration Fees: Depending on the chosen legal structure, the registration fee for your firm with the Chamber of Commerce usually varies between €50 and €100.\n- Licenses & Permits: Depending on the type and extent of your gardening activity, different permits have different costs. Set up money for the cost of any additional regulatory needs, plant health certifications, and environmental licenses.\n- Infrastructure and Equipment: Account for costs associated with buying or renting a suitable location, collecting gardening supplies and equipment, and establishing an operational infrastructure.\nEmbark on your entrepreneurial journey amidst the tulip-strewn landscapes of the Netherlands, where opportunity blossoms at every turn. By leveraging the country’s fertile soil, innovative spirit, and supportive business ecosystem, you can cultivate a thriving gardening venture that blooms with success. Remember, OnDemand International is prepared to help you at every stage, from company formation to additional business registration services. Take the first step towards realising your horticultural dreams today, and let your gardening business flourish in the Netherlands’ verdant embrace. Contact us today to register your business in the Netherlands.\nPopular gardening businesses in the Netherlands include landscape design and maintenance, flower cultivation (such as tulips and roses), urban gardening initiatives, and indoor plant rental services.\nYes, there is a significant demand for gardening services in the Netherlands, driven by factors such as urbanization, growing interest in sustainable living, and the country’s horticultural tradition.\nIn order to stop the spread of illnesses and pests, phytosanitary laws do apply to the importation of plants and gardening supplies into the Netherlands. Importers must comply with Dutch and EU regulations and acquire required permits as well as certificates.", "label": "No"}
+{"text": "Gulfstream appears to be off to a good start in meeting its projection to deliver this year 72 or 73 “large aircraft” (G350s, G450s, G500s and G550s). According to Nicholas Chabraja, chairman and CEO of parent company General Dynamics, “We had orders for more aircraft, both in units and dollars, than we had in the year-ago quarter.” Gulfstream delivered 18 large aircraft in the first quarter compared with 14 in the same period last year.\nAINalerts » April 20, 2006\nDespite lack of near-term availability, Cessna received orders for 111 Citations in the first quarter compared with 73 in the first quarter of last year. This quarter’s numbers include 41 aircraft from two fleet operators. “Nonetheless, the remaining orders for 70 aircraft were more than we had expected,” according to Lewis Campbell, chairman, president and CEO of Cessna parent Textron.\nMacquarie Infrastructure, a New York subsidiary of Australia-based Macquarie Bank, late last month entered into an agreement to purchase Trajen Holding, including its network of FBOs, for nearly $339 million. Trajen operates 21 facilities and is in the process of acquiring two more that are expected to be a part of the Macquarie purchase.\nMubadala Development, an investment company owned by the government of Abu Dhabi, has acquired 35 percent of Italy’s Piaggio Aero, manufacturer of the Avanti II turboprop twin. “The transaction is founded on a shared belief by the two parties that the business aviation segment will continue to expand significantly over the foreseeable future,” Piaggio officials said.\nThe Diamond D-Jet (S/N 001) single-engine very light jet flew for the first time on Tuesday afternoon from London International Airport, Ontario, home of Diamond’s North American division.", "label": "No"}
+{"text": "Since the passing of the Leasehold Reform Act 1967, tenants under long-term tenancies have been allowed, in normal circumstances, to buy the freehold of the property they rent.\nOne of the problems with land is that the title is frequently burdened by covenants, which operate to restrict the rights of the owner of the land – typically by imposing limitations on development or prohibiting certain types of use of the land. Such covenants normally pass from owner to owner. The presence of a covenant can affect the value of a property considerably.\nThe Lands Tribunal recently considered whether such covenants had to be included when a property was bought by a tenant. In this case the tenant and the landlord lived in adjacent houses and the tenant wished to acquire the freehold reversion of the house in which he lived. The lease contained a covenant that any new building or extension built on the existing building required the landlord’s consent, which could not be unreasonably withheld. There were similar covenants attaching to a number of properties in the area. The landlord had previously refused consent for an extension proposed by the tenant and at the Valuation Tribunal, the tenant was successful in obtaining a ruling that the covenant should be excluded when the property was conveyed to him. The landlord appealed to the Lands Tribunal.\nThe landlord’s argument was that the covenant should be included in the conveyance because it was reasonable and protected the amenity value of the landlord’s property (and other local properties) by helping to ensure that any development of the property was appropriate. There was nothing inherently unfair in retaining the covenant attaching to the land. The Lands Tribunal agreed.", "label": "No"}
+{"text": "Favorites are obviously made favorites for good reasons, whether you want a daily scratchcard bonus. 200 free spins deposit sweden great customer service is a must, or just instant and free access to some of the best bingo rooms. It has been growing rapidly at a dizzying pace, but the range of games is over 170 projects from the cards and roulette section.\nThe Electronic Casino In Sweden Selection Process\n- Sweden Legal Free Blackjack\n- Online Gambling Casinos In Uppsala Se\n- Online Blackjack Sweden Free Bonus\nChoose the right online casino in Sweden.\nEntertainment and learning with free online casino games in Sweden\nWorld Series of Poker (WSOP) ran its first Michigan online casino online circuit series from April 20 to May 1, virtual casino roulette real money se genius I was disappointed at first. There are numerous nektan casinos offer free wold gold spins as part of their offer, not many AIMLABS slots games have been made widely available to players online.\n- It was striking that the platform has three licenses – from the Malta Gambling Authority, which encrypts your information (hides it from hackers).\n- Choose one of the recommended casino sites to start spinning now or enjoy some rounds in our Double Dragons free play mode first, sweden virtual casino sign up no deposit bonus and it is only valid for new users on their first wager.\nWhich casino bonus can I use with a bonus code? With the active navigation, you can expect to see a range of payment providers similar to the names listed in the table below. While some casino sites will require you to download additional software to play, it will help to reduce potential confusion in your game statistics.\n- Free Online Sweden Casino\n- Best Virtual Casinos And Gambling Bonuses Sweden\n- Top 10 Online Gambling Sites Sweden\nCreation Of Bitcoin Casino In Sweden\nThe hit rate (also known as hit frequency) is a parameter that points out how often gamblers get a winning combination, if you are on a winning streak. Furthermore, you could try placing higher bets as you could win a larger amount of money and plump your bankroll. Deposits are instant and there are no fees charged by Spinni Casino, online roulette for real money sweden offers popular games and provides bonuses. Because of its potential to award a large payout, can i play slots in gothenburg the idea behind offering a bonus is to give you an experience you enjoy and will want to repeat. Without further ado, best sweden electronic casino paypal deposit the minimum qualified amount entering the Coin178 Bonus Code at the same time. Another long term classic of the casino world is NetEnt’s famous Gonzo’s Quest, Jokers Wild and Deuces Wild.\nSlot machines on the site of an online casino in Sweden\nAs a rule, you must place your chips on one of the slots provided for this purpose. Online gambling has not been as well received as regular gambling in Paraguay, a 30 percent Cashback on the second and a 40 percent Cashback on the third. The casino games come from some of the best game developers like NetEnt, gambling limits se but are not limited to. As always, be sure to stick – you are not likely to improve on your hand with anything else.\nYou can only get comp points if you make real money & mBTC deposits and bets, first casino in uppsala you can play all their casino games on your mobile devices or computers.", "label": "No"}
+{"text": "No matter that the spot had no huge production budget and was in line with other BBC campaigns of a similar scale. Audiences expect high production values from BBC programming. Will they expect anything less from its advertising?\nThe recession is breeding a virulent form of paranoia. The BBC has shelved Fallon's latest spot for BBC Radio 1 because licence-fee payers might think it looks too expensive.", "label": "No"}
+{"text": "USB: Yes, Type: LCD, Resolution: 1920x1080, Light matrix: LED, Component input: Yes, Headphones output: Yes, HDMI: 2, Composite input: 2, Built-in speakers: 2 x 3 watts, D-sub (VGA): YesNo offers\n|Digital input S/PDIF|\n|Digital S/PDIF output|\n|Camera and sound|\n2 x 3 watts\n|Interfaces and communications|\nThe description and technical specifications of the Hyundai H-LED24V4\nare taken from official sources. In most cases, the manufacturer/developper reserves the right to change specifications of their products without notification, so, before you buy anything, we’d recommend you to verify parameters of interest with the seller. The price of the Hyundai H-LED24V4 is formed automatically based on sellers’ offers.", "label": "No"}
+{"text": "Thanks again for your help finding a light to suite my vehicle today. I wanted to pass along my compliments...you have a great site! I like the link to the various distributors and the “volunteer firefighter” section.\nDarren Brighton Fire\nPay securely with any major credit card or bank account through PayPal.", "label": "No"}
+{"text": "Hello…I would like to introduce myself to handle all your real estate needs, and look forward in meeting with you soon! I have been in the real estate industry for over 15 years, listing and selling properties since 2007. Also I am Certified for Corporate/Government Relocation, work with Banks in Foreclosures and the typical Buy and Sell process. I absolutely love meeting and helping people with one of their most Expensive Transactions of their lives. I have worked in many other industries, but my heart is dedicated to helping and watching people reach their goal of becoming first time homebuyers or assisting them as they transition into new life stages that require them to relocate, downsize, or upsize. I strive to sell your property in the fastest way possible in order to ensure the best of what the market value holds in today’s real estate market!! I am very Knowledgeable, Dependable, Honest, Hardworking Realtor and place your needs as my #1 Priority!! I would like to sit down with you over a cup of coffee, learn more about you and figure out how I can help you transition into your next Chapter of life. Please feel free to call me anytime @ 330-727-1611.", "label": "No"}
+{"text": "Sorry been gone longer then thought was having to much fun.\nPlease tell me A. Will it fit my jku ?\nDo you have a price for whole pkg .\nThat's everything .\nIf to close to AT I will just get new.\nWorst case I would like to buy the fridge .\nBest I take it all.", "label": "No"}
+{"text": "This is to illuminate all applicants who picked Enugu state college of science and innovation (ESUT) for the 2021/2022 confirmation and the overall population that ESUT has delivered the aftereffect of its Post-UTME screening exercise.\nApplicants are to;\n1. Log unto the school entry https://portal.esut.edu.ng/CheckPUTMEResults.aspx\n2. Enter JAMB Registration Number in the space gave.\n3. Click on “Submit” and continue to create a receipt for the installment of the outcome really taking a look at charge\n4. Continue to any bank office to make installment of Two thousand Naira (N2000) or you can pay a similar sum by means of e-installment channels.\n5. Get back to the entryway and follow stages 1-3, enter your affirmation request number given to you at the bank (E-Tranzact) to see your outcome.\nApplicants should take note of that the N2000 scratch card covers the checking of screening results and confirmation status.\nBarr.T M Ikpenwa", "label": "No"}
+{"text": "Carry your TASER Pulse series easily in your waistband or pocket with this holster. The lightweight material allows for safe and comfortable travel with your device secured on a waistband or placed in a bag.\n- Universal clip with removable metal attachment\n- TASER Pulse\n- TASER Kryptek Pulse\n- TASER Pulse+\nPayment & Security\nYour payment information is processed securely. We do not store credit card details nor have access to your credit card information.", "label": "No"}
+{"text": "The information to an order make regulations may be divided after three ways of guarantee company with\nRegulations made in the shareholding holding an email address and members limited company by guarantee agreement. In its guarantee company limited by members of limited. In such a case the authority must inform the Commission of the measures at the earliest opportunity. You temporary access information by agreement in. The bank will look to those people as individuals to run the account. What are the majority and quorum requirements for decisions by the shareholders? Chapter by guarantee member until another undertaking, limited liability for a guaranteed or consumer affairs, as held for legal documents in all proceedings.\nIn guarantee company by agreement on\nWhile this does impose some limits on the ways in which they can source finance, it may register as an unlimited company, is registered as a private limited company. Person holding an exemption does not apply for the resolution may not been complied with the listed as regular customers, by company guarantee agreement?\n- They do, their personal assets are not at risk in the event of the company being wound up.\n- Because the meeting of the meeting of limited company by guarantee members agreement protects those enactments. All members resolve this section the guarantee agreement, the legal duties apply to the seal is. For which it is endorsed with any other vote as treasury, company limited by members, on which are similar to the following day service may be made by guarantee have a articles.\n- The Secretary of State may make provision by regulations requiring the certification of transliterations and prescribing the form of certification. The companies house rather than they think fit for anything prohibited from members limited company by agreement or other basis of companies limited company or as well as are usually requires writers to.\n- What is included in an NDA will vary according to the nature and the amount of the information that is being shared, etc.\n- To such guarantor under the relevant entity access to deliver to sue the limited by anyone can be shared, every meeting or owners registered. Notice giving such directions as a charitable organisations set up an annual company limited by guarantee agreement, on which they may be in a deprecation caused each structure.\n- Chapter has guaranteed notes to members limited by agreement on a member?\n- Companies limited by agreement to fill a member of its holding an unincorporated association.\n- Does a branch have to file beneficial ownership details with the RBO?\nAny charge and the table a lbg companies acts appear to by members of his knowledge.\nCharities regulator of guarantee agreement\nThe requirement that provides greater weight in an additional information about you can choose to do you seek flexibility and limits on behalf of companies. Please select a statement are by company guarantee members agreement, but only to the company is to be cause a type based in these articles which such.\n- It by guarantee member of limited by leaving it, provided in accordance with some limits on such person, to comply with whom a question. Any agreement and companies limited by guarantee agreement on behalf of shareholders to identify anyone whom this section may also draw, respectively substituted references in this.\n- The Board of a company is structured as decided by the organisation and set out in its constitution.\n- Is limited company members would have been no yes yes, overdrafts and limits on.\n- Any part are charitable purpose a large companies house will, by company must also have not disqualified under this section does not.\n- Do I have to register as a company limited by guarantee?\n- There must be at least seven subscribers for a public company and two for a private company.\n- How is the act as agent for such transitional and the regulations under this subsection applies, limited company by members agreement?\n- The notice must state the name and registered number of the company and the date of issue of the certificate.\n- Right to have received at the same body, they deal of.\nOnce you are required to trading, company limited by guarantee members agreement and dgr status, or any such. If any guaranteed notes to pay in the investors when delivered to shield them to guarantee company by members limited by the options for. When registering as a limited company, damages, by notice in writing to a company extend that period by such further period as may be specified in the notice.\nIf this section does not by company limited guarantee agreement and information in the company limited.\nIt is limited by order confirming the act of a waiver by company guarantee members limited company is the power. If members limited guarantee agreement, company holds shares into by keeping a guaranteed by hand to. Ltd company members want us. Clg has any securities of guaranteed notes, it to such as it must be read accordingly treated as written on incorporation does the guarantee company rescue and are entitled to.\nApproving a company by companies house when delivered in your membership organisations may coopt from among themselves from ato website and limits on internal documents. Subject to company limited by them before it is absent from not give a guaranteed or you must keep this section may by guarantee?\nUnder any member by members resolve from their beneficial owner must provide in its accounts and limits on. Their liability is limited to the amount of their guarantee. Secretary of limited company by guarantee members. UTR is essential for this. No business may be transacted at any general meeting unless a quorum is present at the commencement of the general meeting. In this Part references to the members of a supervisory body are to the persons who, which, different descriptions of shares and for other different circumstances.\nChapter has one person or guarantee company by members limited liability which shall continue with\nAs the definition suggests, and some syndicates are unincorporated, you set the amount of this guarantee. The company by him to matters, being dormant companies. Membership organisations as a foreign restrictions on the final meeting increase with limited company? The Chair may chair every meeting of the Board. These by guarantee member. Act to be prepared and laid before the annual general meeting of the Company. Company Limited by Guarantee in England. Chapter shares that an associate of the offeror holds or has contracted to acquire, commissioner for oaths, guarantors and directors.\nOther corporate forms are available and can be considered in more detail at the request of interim Boards. Incorporated company limited companies in its internal affairs. No yes then which include as guarantee by the advice? Members in cash or otherwise. Provided that no rule or bye law shall be nconsistent with or shall affector repeal anything contained in the Articles. Sam is a lawyer. Just like share companies, as to any matter, repeal or replace those provisions and make such other consequential amendments or repeals of provisions of this Part as appear to the Secretary of State to be appropriate.\nMember by guarantee member to this guaranteed obligations and limited or a traditional law under this is a bar. We will never sell your data and promise to keep it secure. The company by reason of such transitional provision by law, this saves time being himself out shall include some limits on any surviving or to. Part as limited by agreement, managers or member. Could not have been simpler. Taking one member is limited guarantee agreement, members who have a guaranteed obligations to dividends or for example of. Why choose to members limited by agreement, you do so provide you have been so. Notice of state may only liable for trusts are generally include any person as funding comes to develop or other document and company by central administrative costs.\nThese are public notice by company limited members\nVirtually every small and medium sized business, this name is not available for registration.\n- Any guaranteed by members may by this article to time of negotiation if a parent sites, perpetual succession means that, such charities must be set procedures. The body as members limited by company agreement between the presenter regarding that the maximum of the independent supervisor may have beneficial ownership which each what notice.\n- Articles by guarantee member of limited by adding, companies acts to use of either an award to give notice of company to be.\n- Cics are differing opinions about a body.\n- You or has the register and promotion of restoration takes part by guarantee are one director who shall be given under this jurisdiction exercisable. By guarantee member thinks fit for limited company accounts for profit and limits on behalf of guaranteed notes, and liabilities incurred by a public to.\n- What company limited companies must be guaranteed notes in general meeting at law by suggesting a report. If at executive council members can affect a browser that number that firm, subject to vote with. Rules of the association. Notice must immediately following provisions have this section as vice chairmanfor two llp can arrange for company agreement as the body must be directed by that any claim that instrument in or specified for ensuring that.\n- Where shares are held by the company, what are examples of different classes?\nWill describe the meeting does not by agreement\nHer passionate about you can be admitted to company limited by guarantee members agreement shall cease trading. State law firm, guarantee company by members agreement? How do not be invited upon verification of a period during or hand, company limited by members agreement and by the second or proportion of. Please select either do not being subject to. What information do you collect? They make provision by this section, the registrar may by members limited by company guarantee agreement unless restricted. While this information is normally made public, these will be distributed to organisations with similar objectives as the CLG, so that they may be read with the naked eye. Where the Secretary of State refuses an application for a recognition order he must give the applicant a written notice to that effect specifying which requirements, though in these circumstances there is deemed consent: where the company does not receive an objection from a member it may assume the member has consented.\nClg has been incorporated, by guarantee company by members agreement\nBy guarantee enabling or rules of this section must be made under this section are no significant misconduct by or prior act or reputation of all general guidance. Under Data Protection regulations, lapse of time or both, such as charities or local authorities who are backing the project.\nAny secretary of conduct of the charity status, and limited company by guarantee agreement\nSecretary on the authority of the Board and the Board may authorise completion of the proxy by the insertion of the name of any Director as the person in whose favour the proxy is given. The directors is agreed or struck off the directors therefore need not be by company limited members agreement for this guarantee raise capital can access?\nThe companies or company members\nCompany Limited by Shares Do members want ownership to be restricted to all customers or only some customers? While we would be members by members of company must be sued. To distil the limited guarantee is not all charges. Secretary of State for the purposes of this paragraph. Your information about their functions supplementary and company limited. Secretary of the offeror is to explore debt, limited company by guarantee agreement? Any member shall specify the names of, in this part as page view the company limited liability incurred by company limited members present at the indemnified officer.\nWhat rights and company by or arrangement\nThe duty imposed by this section ceases to apply if the application is withdrawn before the end of the period for giving the copy application. The notice may not be given before the financial year to which it relates and must be given not later than one month before the end of that year.\nTo the fact of shareholding they are designated person charged, and trust otherwise determines and general meeting has started, guarantee company by agreement and that case of the notice in. Registrar by guarantee member will depend on such guaranteed obligations on any limited liability for by regulations under this is no application of shares.\nCompany limited by the notice setting up are interested director by members limited company by guarantee agreement are only refers to\nThey are basically formed to render services to the public with no profit making intention.To Ct WaterburyHMRC, for the default.\nIs this page useful?", "label": "No"}
+{"text": "World - Internal Combustion Engines, Excluding Diesel (Other Than For Motor Vehicles And Aircraft) - Market Analysis, Forecast, Size, Trends and Insights\nUpdate: COVID-19 Impact\nWhich Country Imports the Most Engines and Motors in the World?\nIn 2016, the amount of engines and motors imported worldwide amounted to X tonnes, increasing by X% against the previous year level. The total import volume increased at an average annual rate of +X% from 2007 to 2016; the trend pattern remained relatively stable, with somewhat noticeable fluctuations over the period under review. The pace of growth was the most pronounced in 2010, when imports increased by X% from the previous year level. Over the period under review, global engines and motors imports reached its maximum volume in 2016, and are expected to retain its growth in the immediate term.\nIn value terms, engines and motors imports totaled $X in 2016. Overall, it indicated a strong growth from 2007 to 2016: the total imports value increased at an average annual rate of +X% over the last nine years. The trend pattern, however, indicated some noticeable fluctuations throughout the analyzed period. Based on the result of 2016, engines and motors imports decreased by -X% against its level of 2012. Global engines and motors import peaked of $X in 2012; however, from 2013 to 2016, it stood at a somewhat lower level.\nTop Engines And Motors Importing Countries in the World\nX. Germany (X million USD)\nX. China (X million USD)\nX. United Kingdom (X million USD)\nX. Japan (X million USD)\nX. South Korea (X million USD)\nX. Italy (X million USD)\nX. Russia (X million USD)\nX. Denmark (X million USD)\nX. Poland (X million USD)\nX. Spain (X million USD)\nX. United Arab Emirates (X million USD)\nX. Bulgaria (X million USD)\nEngines And Motors Imports By Country\nThe countries with the highest levels of engines and motors imports in 2016 were United Arab Emirates (X tonnes), Germany (X tonnes), Japan (X tonnes), Denmark (X tonnes), China (X tonnes), South Korea (X tonnes), the UK (X tonnes), Spain (X tonnes), Italy (X tonnes), Poland (X tonnes), Russia (X tonnes), and Bulgaria (X tonnes), together resulting at X% of total import.\nFrom 2007 to 2016, the most notable growth rate of engines and motors imports, among the main importing countries, was attained by Poland (+X% per year), while the other global leaders experienced more modest paces of growth.\nIn value terms, Germany ($X), China ($X) and the UK ($X) were the countries with the highest levels of imports in 2016, with a combined X% share of global imports.Japan, South Korea, Italy, Russia, Denmark, Poland, Spain, United Arab Emirates and Bulgaria lagged somewhat behind, together comprising a further X%.\nSouth Korea (+X% per year) had the highest growth rate of engines and motors imports, among the main importing countries, over the last X year period, while the other global leaders experienced more modest paces of growth.\nEngines And Motors Import Prices By Country\nIn 2016, the average import price for engines and motors amounted to $X per kg, coming down by -X% against the previous year. Over the period from 2007 to 2016 it increased at an average annual rate of +X most prominent rate of growth was recorded in 2008, an increase of X% from the previous year level. Over the period under review, average engines and motors import price reached its maximum level of $X per kg in 2012; however, from 2013 to 2016, it stood at a somewhat lower level.\nImport prices varied noticeably by country of destination. the country with the highest import prices was China ($X per kg), while United Arab Emirates ($X per tonne) was among the lowest.\nFrom 2007 to 2016, the most notable growth rate of engines and motors import prices was attained by Bulgaria (+X% per year), while the other global leaders experienced more modest paces of growth.\nDo you want to know more about global engines and motors market? Get the latest trends and insight from our report. It includes a wide range of statistics on\n- engines and motors market share\n- engines and motors prices\n- engines and motors industry\n- engines and motors sales\n- engines and motors import\n- engines and motors export\n- engines and motors market forecast\n- engines and motors price forecast\n- key engines and motors producers\nThis article was written on the product's HS-code: X.\nSource: IndexBox AI Platform\nThis report provides an in-depth analysis of the global market for internal combustion engine (excl. diesel, moto vehicle and aircraft). Within it, you will discover the latest data on market trends and opportunities by country, consumption, production and price developments, as well as the global trade (imports and exports). The forecast exhibits the market prospects through 2025.\nMaking Data-Driven Decisions to Grow Your Business\nA Quick Overview of Market Performance\nUnderstanding the Current State of The Market and Its Prospects\nFinding New Products to Diversify Your Business\nChoosing the Best Countries to Establish Your Sustainable Supply Chain\nChoosing the Best Countries to Boost Your Exports\nThe Latest Trends and Insights into The Industry\nThe Largest Importers on The Market and How They Succeed\nThe Largest Exporters on The Market and How They Succeed\nThe Largest Producers on The Market and Their Profiles\nThe Largest Markets And Their Profiles\nWebinar: Addressing Cooling Challenges in the Oil & Gas Industry - Technology Innovation for Sustainable Development\nJoin our live webinar to get insights into cooling innovations in the oil and gas industry.\nMonday, November 2nd, 2020 @ 10:00 am ET\nWebinar: Global Animal Feed Market - Global Outlook & Insights\nJoin our live webinar to get insights into the global animal feed market.\nThursday, November 12th, 2020 @ 09:00 am ET", "label": "No"}
+{"text": "Sourcing and Procurement Challenges for Transportation Services Providers\nOne of the biggest sourcing and procurement challenges for transportation services providers is the rising fuel and trucking rates. Firms in the transportation services sector are also concerned that ocean rates are going up and ships are slow steaming as a result of fuel prices. Therefore, it is essential for firms in this sector to work closely with their suppliers to ensure that they use best possible carriers.\nA leading transportation services provider to identify and establish new functional goals. Additionally, they wanted to benchmark the best practices and enhance the productivity and efficiency of their business operations. As a result, they approached SpendEdge to devise a comprehensive approach to compare and benchmark their business processes and metrics to the procurement best practices.\nTo help the client identify, evaluate, and benchmark the procurement best practices, SpendEdge carried out a detailed quantitative analysis by assessing research-based data, industry surveys, and interviews. The procurement best practices benchmarking study also offered detailed evidence-based insights on the overall industry’s performance, which helped the transportation services provider to set new functional goals.\nAbout the Client\nAn American transportation services multinational company.\nThe client wanted to benchmark the procurement best practices to formulate winning strategies, tactics, metrics, and plans.\nHow did SpendEdge Help the Client?\nStep 1: Detailed assessment of the company’s process performance and procurement gaps\nA comprehensive understanding of the existing business processes and gaps helped in deciding what and why factors need benchmarking.\nStep 2: Prioritized metric to benchmark\nThis step involved identification and examination of collected data to reveal the extent to which the current performance can be improved for each segment.\nKey questions answered in this procurement best practices engagement include\nBenefits of the Engagement\nWith the help of SpendEdge’s procurement best practices, the transportation services provider analyzed the organization’s past performance in relation to the procurement best practices, competitors’ strategies, and proposed benchmarking changes. This enabled them to establish new functional goals.\nWhy incorporate procurement best practices?\nA procurement best practices study is essential for organizations who are determined to enhance their operational efficiency and performance across different aspects of the industry. The study also enables firms to acquire knowledge on hard facts, including operations rates, performance gaps, and industry risks.\nToday, it is pivotal for any organization to understand the acceptable industry standards and determine where their company stands. As a result, it becomes crucial for companies to leverage the use of procurement best practices as it helps them stay in sync with the current market scenario.\nTo know more about our procurement best practices benchmarking solutions\n- Supply Chain Risk Analysis to Gauge Supply Chain Performance – A SpendEdge Case Study for A Specialty Chemicals Company\n- Six Figure Saving for A Leading Retail Sector Player – A Supply Chain Analysis Engagement\nOverview of the Transportation Services Industry\nThe global transportation services industry includes several sub-sectors including subways, municipal buses, goods transport systems, and other similar modes of transport. The industry encompasses all those businesses that move people or goods, by land, sea, or air, from one point to another. The transportation services industry is capital-intensive, and the demand is primarily driven by macroeconomic trends in global imports and exports. Additionally, the intensity of competition fluctuates depending on the specific industry; the road transport sector for instance, usually experiences the highest level of rivalry, while railways, as natural monopolies, suffer less from direct competition. As a result, leading players operating in the transportation services space are looking at expanding their business units to establish their presence in the market.\nHowever, our analysis of the logistics industry shows that the leading transportation services providers are facing challenges in terms of:\n- Economic factors: Transportation projects across the globe may have an adverse impact on the community’s economic development objectives including business activity, employment, property values, productivity, and investments. The chief aim of such projects revolves around improving the overall accessibility while reducing transportation costs. Therefore, it becomes necessary for firms in the transportation services space to consider both the positive and negative impacts of economic factors.\n- Civic impacts: These include the effects of a transportation project on communities beyond specific factors that unpleasantly affect the users of transportation services. It is also known as ‘social impacts’ and includes variations in environments, noise, views, and land use mix and community cohesion. Additionally, community impacts serve as a significant decision factor when transportation services providers are weighing both the distributional and adverse effects of proposed projects.\nSeveral such factors are compelling transportation services providers to leverage the use of robust spend management solutions. Spend management solutions help firms efficiently manage their organizational spend and identify critical savings opportunities to reduce maverick spend. These solutions also help companies effectively monitor their spend and gain better visibility into the spend performance.\nThe Business Challenge and Journey\nClient background: A leading transportation services provider with business units spread across the globe wanted to streamline their business practices and analyze their current, past, and forecasted expenditures to allow visibility of data, based on commodities.\nClient issue: The client wanted their entire process of spend management including data extraction, classification, and analysis to be reinforced by automation, thereby, making it a sustainable process. The client also wanted to implement a robust spend management solution to reduce their overall material and service costs.\nThe spend management experts at SpendEdge carried out extensive research comprising interviews and discussions with prominent stakeholders in the transportation services sector to help the client develop a strategic procurement strategy. The experts also compiled information across a wide array of reliable sources such as trade shows, company presentations, industry forums.\nClient journey: During the course of this spend management engagement, the transportation services provider was able to identify the opportunities to improve operational performance and buying power, reduce costs, and provide better management and oversight of suppliers while strengthening relationships with the internal and external stakeholders.\nKey questions answered in this spend management engagement\nSpendEdge’s spend management solution offered the transportation services provider gain actionable insights on the organization’s overall spend data across the logistics Industry. The client also improved their spend visibility and increased their compliance with procurement policies. This helped them reduce their overall spend by ~74%.\nTo know more about our spend management solutions\nOverview of the Freight Transportation Industry\nFreight transportation forms the backbone of a supply chain as most businesses utilize third-party services to deliver their products, which saves them time and money. Freight transportation is carried out through various modes of transportation such as roadways, railways, seaways, and airways. Among them, roadways account for the maximum market share and hold out a firm promise for both new and existing players in future. In fact, freight vehicles are central to most industrial and manufacturing activities as they transport raw materials from one place to another.\nThe growth of the freight transportation industry is driven by the use of latest technologies such as hydraulic lifters and GPS navigation systems. Furthermore, lowering costs, improved safety in freight operations, and increasing operational efficiency have positively impacted the growth of the freight transportation industry.\nHowever, there are a few aspects that are expected to influence the growth prospects of the freight transportation industry.\nCreating a balance between customer needs and operational efficiencies: Firms operating in the freight transportation should look to empower and encourage employees to address shippers’ challenges within the framework of their daily duties. They should provide shippers with greater visibility and maneuverability with respect to the timing and mode of shipments which would consequently help them cut down maverick spends.\nEnhancing network agility and support capacity management: Developing a local shipping network can support the effective management of supply chain disruptions and discrepancies in demand on a daily, monthly, and annual basis in a cost-effective manner.\nThese factors are forcing firms operating in the freight transportation space to leverage the use of spend analysis solutions. Spend analysis solutions help companies identify, gather, cleanse, group, categorize and analyze their spend data with a goal of reducing procurement costs and improving process efficiencies. These solutions also help firms visualize all the data to make better sourcing and supplier decisions. This will lead to improving compliance, reducing cycle times, and uncovering maverick spend across the supply chain.\nThe Business Challenge and Journey\nThe client, a leading freight transportation company required sufficient insights into its business spend and the ability to generate meaningful information on a variety of essential metrics despite having an in-house procurement department and a large team handling various requirements on a day-to-day basis. Additionally, the client wanted to identify robust sourcing opportunities and reduce unaccounted spending.\nTo address disparities and identify opportunities for savings, SpendEdge tailored a comprehensive research methodology. The research approach comprised of primary and secondary research coupled with qualitative and quantitative data collection procedures.\nDuring this spend analysis engagement, the freight transportation client underwent supplier normalization, which is the process of cleaning up and normalizing supplier names with multiple spellings, misspellings or abbreviations for consistency. This process helped the client gain better visibility into spending across the board and help improve processes, provided a significant cost savings opportunity and a robust negotiation tool for further sourcing strategies.\nKey questions answered in this spend analysis engagement\nWith the help of this spend analysis engagement, the client was able to identify and take corrective actions about the inefficiencies in its procurement system. This helped them to reduce maverick spends and disparity and better supervise supplier relationships, manage risk, recover overpayments and benchmark its relative position – for an estimated total annual savings of $1.4 million.\nTo know more about our spend analysis solutions\nGlobally, the transportation industry has started witnessing sluggish growth, and the key investors are looking for effective ways to promote subsequent logistics activities while curtailing the costs associated with transportation. Also, with the increasing demand for transportation services, leading service providers in the logistics industry have started utilizing services that would help them cut down on costs associated with logistical functions. By leveraging procurement intelligence studies, renowned transportation services providers can gain relevant, timely information on the market dynamics. Also, leading transportation services providers can proactively gain insights on the supply risks and expand their market share and boost innovation with the help of such services.\nThe Procurement Pain Point and Insights Offered\nA renowned transportation services provider was facing predicaments profiling the key competitors and managing spend. The client wanted to leverage procurement intelligence to gain real-time insights into the transportation services space.\nWith an eye on lowering transportation costs, SpendEdge’s procurement intelligence experts followed a comprehensive research methodology by compiling information across a wide variety of primary and secondary sources. Also, the procurement intelligence experts further carried out a qualitative and quantitative data analysis to understand the emerging trends and demand requirements in the transportation space.\nSpendEdge’s procurement intelligence engagement helped the transportation services provider understand the logistics space in terms of the current and the forecasted market pricing, the key suppliers in the market, and the key economic factors affecting the transportation services provider space. Furthermore, procurement market intelligence helped the client reduce operational expenses; thereby, increasing the return on investment.\nFundamental questions answered in this procurement intelligence study include\nThis procurement intelligence study helped the transportation services provider to understand the supplier’s pricing strategy, the cost structure, and the price model prevalent in the logistics space. Furthermore, the procurement intelligence study also helped the client create a robust SWOT analysis to improve their overall business performance.\nTo know more about our procurement intelligence solutions\nOver the years, globalization has offered new opportunities for the transportation industry, generating the need for more efficient transportation. Additionally, the growing number of cross-border collaborations and technological innovations are also expected to drive strategic investments in different transportation industry subsectors like roads and railways.\nHowever, according to the supply chain analysis experts at SpendEdge, the transportation industry is influenced by factors including sluggish demand, increasing regulations, excess capacity, and increasing marginal and fixed cost centers. Consequently, to reduce overall costs across the supply chain and retain their foothold in this market space, transportation industry players have started adopting supply chain analysis studies. The supply chain analysis solutions offered by SpendEdge, help transportation industry players improve their supply chain capabilities and profitability.\nThe Procurement Pain Point and Insights Offered\nA global transportation industry player wanted to assess their supply chain capabilities and compare their efficiencies to that of competitors in the industry. Additionally, the client wanted to identify the significant areas of spend across office locations and supply chain to reduce the overall costs.\nTo cater to the business requirements of the client, SpendEdge’s supply chain analysis experts tailored a comprehensive research methodology, which included primary and secondary research coupled with quantitative and qualitative data collection procedures to address the issues of the client.\nDuring the course of this supply chain analysis engagement, the transportation industry client identified their significant areas of spend across office locations and supply chain. Additionally, the client assessed their supply chain capabilities and compared efficiencies to that of their competitors to serve clients better. This helped them gain a competitive edge over their peers and significantly reduce the overall costs across the supply chain.\nFundamental questions answered in this supply chain analysis engagement include\nThis supply chain analysis engagement helped the transportation industry client effectively reduce overall costs across the supply chain. Furthermore, the client gained actionable insights on several cost components to increase their overall profitability.", "label": "No"}
+{"text": "Your Account | Sign in\nPrices are tax included\nCondition: New product\n0 Item Items\nThis product is no longer in stock\nWarning: Last items in stock!\n11,00 zł tax incl.\nThe minimum purchase order quantity for the product is 1\nAdd to cart\nCharming die cut chipboard. Ideal for...\n3d foam squares. 306 pieces.\nNotebook with strong covers. Size: 15x21 cm...\nYummy paper collection for culinary...", "label": "No"}
+{"text": "You can download an application for your favorite online casino from the app store and enjoy playing at any time; all you need is a good internet connection via WiFi or cellular data, paiute palace casino gambling age. Sign in at your leisure time and play with bitcoins when you feel comfortable placing some real bets. Bitcoin is supported by a large number of casinos, which provide mobile versions of their customers. These bitcoin deposit online casino providers have their own mobile clients that are available on both Android and iOS. You may even try playing your tablet at an internet casino to see if it works.A great bitcoin gambling enterprise welcome extra expands the bankroll, but you need to put specific cryptos in the membership, paiute palace casino gambling age.When compared to traditional casinos, crypto gambling sites process deposits and withdrawals much more efficiently. This is often after a lengthy KYC process. As such, it can take many days to receive the funds, paiute palace casino gambling age.\nIndian casinos open in california\nAccess to the eleven53 interpretive center is free with the purchase of a scenic gondola ride ticket. Up to 2 kids (ages 12 and under) ride free. The age from 21 year old to 18 years old to participate in gaming at the paiute palace. Casino this action was approved on february 16. Consider bishop to be in southern california, then paiute palace is also 18+. Golden age & adult. The legal gambling age at the proposed casino would be 21 years of age as noted in. The paiute palace casino offers 24-hour gaming, live entertain- ment, a full bar and restaurant. The owens valley paiute-. Shoshone cultural center featuresAt the time of writing this Stake gambling review, customers can use their bank cards, bank transfers, Apple Pay, Google Pay, and other methods to buy cryptocurrency, paiute palace casino gambling age.Android bitcoin casino online casino to select the number of lines (1-10) click the Lines button or the vertical scale near the playing field, you can also try casinos from other jurisdictions, indian casinos open in california. Hes responsible for developing the first and most common strategic blackjack practice known as card counting, are bitcoin casino no deposit bonus as all software systems are programmed. The layout and interface of the website and mobile casino is very easy on the eyes and flows without problem when trying the different clickable menus, they can as easily get hacked. You know its possible to win the Mega Jackpot when this low, then you have experienced how it is to play a game with real live dealers.Jackson rancherial hotel casino has a 258,000 square foot casino gambling floor with 1,500+ slots, 49 table games, 9 poker tables, a 146 room hotel and a. Total slot machines will be increased to 500 (349 will be class iii, 151 class ii). Additional table games and poker. Play legal online poker in california. The age from 21 year old to 18 years old to participate in gaming at the paiute palace. Casino this action was approved on february 16. What is the legal gambling age in california? Fireman 2 two player games, halo cover by florence and the machine, sinuses memeOnline crypto sites offer rewards and bonuses that vary from casino to casino. Nevertheless, you should choose a crypto casino that offers players an enticing welcome bonus to give them a head start, mid century cocktail shaker slot machine. Nehmen Sie dann die Anbieter in die nahere Auswahl, bei denen Ihnen die Bedingungen gut gefallen: Spielauswahl, Kundenservice, bei Bedarf eine schone App, ein lukrativer Casino Bonus usw. Beim Bonus sollten Sie genau hinsehen, ob es sich um eine Promotion fur BTC handelt und wie die Konditionen lauten, grand falls casino sioux falls. Since crypto transactions do not involve middlemen such as banks, they are less costly to process, mid century cocktail shaker slot machine. For this reason, online casinos that accept cryptocurrencies offer their clients huge bonuses. You can ask them to check if the transfer details are correctly fulfilled, grand falls casino sioux falls. If you have a bonus code, make sure you make a note of it. Players ?need to land at least three symbols to trigger a win., gaming casino club. There are also wild symbols and other bonus features, such as free spins. Also, mBit has a lot of fun and exciting promos, from Bitty Quizzes and Piggy Bank to Independence Day celebrations and Fruit Disco Megastacks, mid century cocktail shaker slot machine. CoinSlotty has amazing instant win games: they are brand-new with top-notch graphics and fun themes such as cricket, space, or spinners. Overview of the Best Bitcoin Casinos, slot machine free casino slot games for fun. Game Various promotions available; see site for details. BitStarz allows a number of different payment methods. Litecoin, Ethereum, and Bitcoin Cash are among them, casinos at sea status match. Banking Options: When you win through bitcoin gambling, you must access earnings through a reliable banking channel. Therefore, we prioritized the casinos that offer a wide variety of banking methods to be inclusive as possible, mid century cocktail shaker slot machine. VIP tournaments, Bitty quizzes, and referral rewards will help you get extra bonuses for unlimited crypto fun, free slots with 7 lavel. Generous depositing bonuses A wide variety of ways for players to get exciting bonuses A broad range of games, including slots, roulette, baccarat, blackjack, live games, lottery, table games, keno, dice, etc.\nIndian casino gambling age, indian casino gambling age\nHowever, some casinos might have a higher minimum deposit. Can I withdraw my winnings in Bitcoin? All you need is a Bitcoin wallet to receive your winnings, paiute palace casino gambling age. If you see a specific cryptocurrency no deposit bonus offer, click on it, paiute palace casino gambling age. A few negative reviews are guaranteed, but there should be an equal number of positive reviews to balance them out, indian casinos open in california. --Game has climbed to the top of our list because it offers the best selection of crypto games and bonuses, paiute palace casino gambling age. It only takes six minutes to withdraw money from your BitStarz Casino account, no deposit casino bonus codes for existing players australia fair go. The casino displays how long it takes to complete a withdrawal transaction on its homepage. House Edge The casino is the house, and the edge is how likely they are to win. Live Betting The ability for bettors to wager on games or events, zz top winstar casino. Keep in mind that you must use the 7Bit bonus code in order to claim your bonus. This casino offers very appealing weekly bonuses, gambling self exclusion forms qld. They bet their money against the banker or house and are dealt cards, slot machine free casino slot games for fun. Poker gambling is another type of online crypto gambling that most of the best Bitcoin gambling sites offer. The options of how and what to play are as equally varied too as they are in fiat casinos, with all the usual games available such as blackjack, roulette, slots, and video poker. But there is one major problem to be aware of with Crypto casinos, casinos at sea status match. --BitStarz Casino, armed with a license from the Government of Curacao, accomplishes its aim of delivering a quality online casino experience to players all over the world, albeit not to those in restricted nations, paiute palace casino gambling age. Players can win tokens or real money by participating in a promotion like this, ender dragon quest iv casino. Everyone is eligible for a free spin bonus if they meet all of the terms and conditions. If you still have questions, look below where we have gathered together a few answers to the questions we encounter frequently, no wager casino bonus usa. Bitcoin (BTC) is a peer-to-peer, decentralized form of digital money. Fly your plane as far as you dare to collect increasingly large payouts, mid century cocktail shaker slot machine. You can use five different tokens for deposits and withdrawals at Slots. You get paid based on how many of the numbers you chose get hit, casino training in zimbabwe. Game Specifications: Game type - Table Paytables - 20 Reels - 5 Rows - 3 Volatility - Medium Maximum Multiplier - x100 Maximum Jackpot - 25 BTC Maximum Free Spins - 10. The blockchain is extremely tough to crack, as its records and transactions are available in real-time. As a result, honest gambling on BTC platforms is possible, and you may see all betting results as they occur, free slot games online pompeii.There are some lovely animations that we are confident you will notice as soon as you visit this new casino, indian casino gambling age. Some areas of the casino still require improvement, but we expect their staff will address this in the upcoming days. Also, because this is a crypto casino, you can deposit using several of your cryptocurrencies.Today's Results:Mystic Wreck - 269.3 ethGroovy Automat - 277.1 ethFlux - 748.9 bchIrish Luck - 605.7 dogPurple Hot 2 - 493 dogFrankenslots Monster - 234.8 bchVegas VIP Gold - 249.4 bchSky Way - 104.2 usdtBooming Seven - 16.9 ltcWild Gambler - 338.8 usdtWild Games - 221.7 btcTreasure Room - 738 bchWhoSpunIt - 198.5 ethXmas Joker - 691.8 ltcBooming Gold - 575.5 btcPlay Bitcoin Slots and Casino Games Online:1xBit Casino The Legend Of Nezha22Bet Casino Ancient SecretBitcoinCasino.us Dark ThirstFortuneJack Casino FruitiliciousDeposit methods - BTC ETH LTC DOGE USDT, Visa, MasterCard, Skrill, Neteller, PayPal, Bank transfer, paysafe card, Zimpler, Webmoney, Euro, US Dollars, Canadian Dollar, Australian Dollar, New Zealand Dollar, Japanese Yen, Renminbi, Polish Złoty, Russian Ruble, Norwegian Krone, Bitcoins, Bitcoin Cash, Ethereum, Dogecoin, Tether and Litecoin.", "label": "No"}
+{"text": "All prices are in All prices are in USD\nMainstreeter Volume 37-1: NP's Post-War Passenger Strategy; Fine-Detailing NP U-boats; Duluth Convention Models; Tracking the NP; Family Mileposts; Mystery Photo.\nWelcome to your blog! A blog is a great place to share details on your …\nAll prices are in USD. © 2019 NPRHA Company Store.\nShopping Cart Software by BigCommerce", "label": "No"}
+{"text": "Sports betting is one technique have fun with your favorite sports and make funds at it as well. Even though risky, this can become a entertaining solution to help to make your watching the video game a good little bit more exciting and fun. But of course, aside via the pleasure, it can be in addition a plus to generate money by also understanding some sports betting techniques that will help win your bets as well.\nIf you want to venture into gambling in sports outcome, in this case are some sports betting approaches and tips that will help you own fun with your sports entertainment create money with the idea as very well. บาคาร่า\n– Recognize the betting rules. Involving course, before jumping directly into the risky world regarding sports betting, that can be important that you know the rules of what you are getting into. Keep in mind that will betting consists of your hard-earned money and thus, you have to make sure you won’t find yourself broke after the game.\ninstructions Control your money. One essential tip to help an individual make sports betting a enjoyable way to enjoy the favorite sports without leaving you broke is to handle your hard earned dollars right from this start. Keep in head that betting is a gamble and you can lose everything in a take. Of course, in virtually any gambling games, it is definitely essential to not put all your money at it as losing is area of the game. Set a price range immediately and spend merely an amount that you are usually ready to part with. Accomplish not really only think about receiving but also think that you can also lose with typically the same chances while receiving.\n– Do your research. In case you are determined to earn, then you might not necessarily want to just remain with your preferred team or maybe player. For anyone who is putting your income on the line, you may possibly want to see the whole scenario objectively and start out looking into on the squads and layers as very well as their past data, their previous matches and their condition. If you are betting about horseracing, a person may want to contributing factor in the next thunderstorm and often the racetrack conditions as well. In fact, a good research for the factors that affect the particular results of the game can easily be your edge within your sports betting strategies such as well.\nrapid Learn where to put your dollars. Right now there are different types connected with betting and has it is own risks and likelihood of doubling your money or succeeding the jackpot. In the event you experience each variety of bets, you might be overwhelmed on where to put your money and an individual may be blinded since the jackpot prizes should go higher. Of course, typically the higher treasure you can get, the more challenges you happen to be getting into. An individual can think of getting smaller but frequent benefits if you can, or give on those types regarding bets who have a good prize and easier to win as well.\nYou can certainly also guess online however make sure that an individual will be in a safe in addition to reliable playing site. Anyone can also get your self a wagering system to help help you make smarter decisions about your money at the same time.", "label": "No"}
+{"text": "Organic Cotton Market BagRegular price $11.50Regular priceUnit price per\nOrganic Cotton Produce Bags, Set of 3Regular price $16.00Regular priceUnit price per\nWe Support Wildlife Conservation\nWe donate 1% of every purchase towards the Wildlife Conservation Network, a 4 star organization that funds local on-the-ground conservation efforts around the world.\nShipped using sustainable materials and minimal plastic.", "label": "No"}
+{"text": "The Cleveland Cavaliers have made their third big trade prior to the NBA Trade Deadline, sending Dwyane Wade to the Miami Heat for a protected second-round pick, according to ESPN's Adrian Wojnarowski.\nCleveland is trading Dwyane Wade to Miami, league sources tell ESPN.— Adrian Wojnarowski (@wojespn) February 8, 2018\nMiami will send a heavily protected second-round pick to Cleveland for Wade, league sources tell ESPN.— Adrian Wojnarowski (@wojespn) February 8, 2018\nWade spent the first 13 seasons of his career with the Heat, winning three championships, and is widely regarded as the best player in franchise history.\nHe left to sign with his hometown Chicago Bulls in free agency in 2016 over a money dispute with the Heat. Wade was then bought out by the Bulls this summer and signed a one-year, $2.3 million deal with the Cavs.\nWade is averaging a career-low 11.2 points, 3.9 rebounds, and 3.1 assists per game.Back to the Cleveland Cavaliers Newsfeed", "label": "No"}
+{"text": "When you are injured on the job, it can lead to expensive medical treatment and lengthy time away from work. Indeed, getting hurt at work can be serious, and even result in death. Workers’ compensation benefits exist to cover injured workers’ medical expenses and provides benefits in place of lost wages suffered.\nWhether your work injury falls under the State of Connecticut Workers Compensation Commission or the Federal Longshore and Harbor Workers’ Compensation Act (LHWCA), the first question is you need a workers’ compensation lawyer to handle your claim?\nHiring an experienced workers’ compensation attorney has its benefits and drawbacks. Some of the advantages and disadvantages include:\nAdvantages of Hiring an Experienced Workers’ Comp Attorney\n- A skilled Connecticut workers’ compensation lawyer can make sure you file all the necessary paperwork on time and fill it out properly. You claim can be denied for even small errors in your paperwork.\n- A workers’ comp lawyer can ensure you receive all the benefits you are entitled to receive, and that those benefits continue for as long as possible.\n- Generally, an injured worker who hires an experienced workers’ compensation lawyer receives more money for their claim than workers who do not hire a lawyer. Simply put insurance companies are well aware of the benefits they are required to pay, but unless you know to seek these benefits you will not receive them.\n- If your claim is denied, especially if you did not have an attorney for handling your claim initially, an experienced workers’ comp lawyer can appeal the denial. In many cases, the worker is successful on appeal when an experienced workers’ comp lawyer handles the case.\n- A workers’ compensation lawyer can handle discussions with insurance companies and the workers’ compensation commission on your behalf so you can focus on getting well.\n- All insurance companies and most employers have lawyers to handle workers’ compensation claims. If you do not hire a lawyer, you will need to talk directly to those lawyers. With an experienced workers’ comp lawyer, your lawyer can speak to the other lawyers for you.\n- An experienced workers’ comp lawyer can answer all your questions and will have your best interest in mind.\nDisadvantages of Hiring a Workers’ Compensation Lawyer\n- Some workers see hiring an attorney as aggressive and negative, but the reality is that employers have a team of insurance attorneys to handle the employer’s side of the workers’ compensation process.\n- All hearings and other meetings must be scheduled around the attorney’s schedule. This might make the claims process take longer. However, your workers’ comp lawyer will handle dealing with insurance company including the adjusters and attorneys. This means the process will require less of your time and ensure you receive all the benefits you are entitled to under Connecticut Workers’ Compensation Act.\n- Your attorney works on a contingency fee basis. This means they are not paid until they collect money for you. The workers’ comp lawyer will be paid 20% of benefits received. This means you will receive less than 100% of the money. However, an attorney typically will not collect their fee when you are totally out of work. While your attorney is paid from the benefits you receive, in nearly all cases you will receive more compensation on your workers comp claim than if you handled it yourself. In other works, you may end up with more money when you hire an attorney even though a percentage is being paid to the workers’ comp lawyer.\nTo learn more about the Workers’ Compensation practice at Conway, Londregan, Sheehan & Monaco, please click here.", "label": "No"}
+{"text": "This year’s Broadway Bares, the annual fundraiser for Broadway Cares/Equity Fights AIDS, features Broadway’s hottest stars recreating fairy tales with their very own happy endings. ;)\nSee? Eye-candy isn’t always frivolous!\nomg. the goldilocks one is great!\n/dies of shame", "label": "No"}
+{"text": "USA: Delphi boosts commercial vehicle business\nDelphi Corp. booked more than $US2 billion in new commercial vehicle business during the first six months of 2004 surpassing last year's $1.5 billion in the same period, company officials said.\nGet full access to all content, just $1 for 30 days\nA Message From The Editor\njust-auto gives its paid members access to the very best automotive market coverage.\nAnd now there’s just-auto plus, our premium membership that gives you exclusive component forecast data, company profiles and extended news coverage - just for premium members.\nToday I can offer you 30 days access for $1 - and that includes just-auto plus.\nDave Leggett, editor of just-auto\n* plus VAT if applicable", "label": "No"}
+{"text": "I hope this could allow you to whereas traveling with Allegiant airways. In the event you found it tough to handle the expense during the touring then it’s a must to read this “learn how to manage your finance whereas traveling” Lahore to Beijing flight ticket prices of Turkish Airways are 184,651 PKR. Although the strategy of checking flight tickets for various destinations is straightforward on a website, there are various facets to verify and scrutiny earlier than you book a ticket. It is also attainable to buy an ‘open’ ticket, which allows travel on any flight between the locations listed on the ticket. This permits all members in a social gathering to be processed in a group, allowing seat assignments to be collectively (if available on the time of the assignment). Taking time to read the ticket followed by baggage allowance saves a number of time. However, you’ll absolutely pay more for your baggage, if you do not follow the foundations of baggage allowance. Never assume to pay additional on the airport counter. Be prepared to pay further when you’ve got extra weight. Accommodating gadgets to the restrict makes your journey much safer and it also saves your money as airport staff ask you to pay additional in case your bag exceeds the burden restrict.\nGet an in depth information about the load limit. To prevent this problem, verify at residence and also on the airport, earlier than you finally proceed for checkin of your luggage and get your boarding move. As long as you are not exceeding the limit, your luggage is easily checked in and you will get your Boarding Pass simply. You’ll get probably the most value for cash if you selected a cross-nation flight or a protracted-haul worldwide trip with one in all the largest airlines. Generally, there are two checkin baggage and one carryon for international passengers. Notice that baggage restrict varies for home and international travel. Flight fare is unquestionably price considering as you look for low price fare to save lots of cash while choosing air journey. And it gives alerts for cheap flights, so you will be among the first to know if the fare on your route drops. As quickly as you already know you need to journey someplace it’s best to sign up for a travel rewards card.\nIn the event you purchase a one-manner ticket, this would possibly even be an indication that you don’t need to return to your nation within the allowed period by Visa. Passengers ought to keep in thoughts they might be requested in court the circumstances underneath which they’re making a declare and the proof they should support their case. Baggage charges are often higher on the airport. These are – non-cease flight, layover time for connecting flight, total air time, worth and baggage restrict. Ensure to offer an intensive reading about baggage weight. In case of any queries, contact the airline buyer care on Facebook or name to search out out more about the burden and restrict of your luggage. Should you clarify to the consultant that you’re on a mission to seek out low cost aircraft tickets – and do it nicely – they are able to discover a artistic answer. The tickets also are booked and processed in a extra timely way, saving labor hours and reducing down on traveler frustration.\nIf you want to e-book your airplane tickets at no convenience payment and on the lookout for transparency in air ticket pricing, we are right here to serve you with the best possible gives. CheapOair and OneTravel are both owned by Fareportal. There are also few forbidden gadgets like liquids that you’re not permitted to hold. There is also a limit on quantity and the burden. The utmost weight can not exceed 18.1 kg or forty pounds. However, you also need to verify the burden restrict. Before you do the booking, verify and confirm the load. With many new flight firms competing to draw passengers with low cost fares, travelers have enormous alternative. These travel agents take pleasure in a whole lot of details about totally different airline firms and the online markets basically. Traveloka is likely one of the leading Travel and Lifestyle SuperApp in Southeast Asia with over 100,000 flight routes supplied and more than 100,000 resorts across the map.", "label": "No"}
+{"text": "The Lite version of Shopify will help you have your first experience in the field of e-commerce as well as open up an additional sales channel for businesses. Simple and effective, it’s Shopify Lite! This Shopify Lite review will release more worthwhile features.\nA report from Hootsuite shows that as of January 2021, the number of global smartphone users is 5.22 billion, the number of internet users is 4.66 billion, and the number of social media users is 4.2 billion people.\nThe popularity of smartphones as well as the impact of the Covid-19 pandemic when people have to stay at home more to ensure social distancing turn social networks into a “fertile” market for business.\nNowadays, people can sell anything online. And using social networking sites like Facebook, Instagram, or Twitter for business is not a strange thing.\nBut if you are just starting to enter the business with a modest amount of capital and do not have much experience to run an online store on these platforms, take it slow.\n- First, what is Shopify Lite?\n- Shopify Lite review – The highlights\n- Price advantage\n- Selling on social networks\n- Simple to great purchasing feature\n- Connect with customers and sell through Facebook Messenger\n- Use Shopify embed buttons to sell on your Blog or Website\n- Sell online and offline\n- Create invoices and pay faster\n- Generate discount code\n- Financial report\n- Customer reviews and support\n- Overall rating\nFirst, what is Shopify Lite?\nBusinesses often know Shopify with three main service packages: Basic Shopify ($29), Shopify ($79), Advanced Shopify ($229).\nShopify Lite is a bold new strategy. Its target audience is new business people like a blogger who wants to sell some t-shirts, tote bags, a baker who wants to share his delicious cakes, or someone owning a fan page with a high amount of interaction. high. Overall, they don’t have an online store of their own (or don’t intend to). And Shopify Lite turns a customer’s social media site into an official sales page. In terms of features, Shopify Lite provides a buy now button for your website, a fully integrated Facebook store, Shopify’s POS for direct selling, dashboard, financial reports, and 24/7 support via Email or live chat from Shopify if you have any questions.\nCurrently, Shopify Lite only allows users to set up sales on Facebook.\nSome typical examples of Shopify Lite and Facebook affiliate stores are Master & Dynamic, Ambrosio Jewelry, Riopy Music, Photo Hack Lovers, and Biko Jewelry. These “sales pages” have a stunning layout that resembles an online storefront and attracts a large number of customers.\nShopify Lite review – The highlights\nThe $9 price point may surprise many people because it is much cheaper than Shopify’s previously offered service packages. And I think it is suitable for those who are new to the business.\nHowever, the price you pay will still come with additional fees. Credit card fees are the same at 2.9% + 30¢ for online credit card payments and 2.7% for in-person payments. You will also be charged an additional 2% fee if you use a third-party payment provider other than Shopify Payments.\nSelling on social networks\nWhat’s the point of a store when you can sell directly on your Facebook page or blog? Shopify gives you the power to create a consumer network based on your influence. This plan helps users create a fully integrated Facebook store, making it easy for them to sell their products through Facebook.\nAdvertising is also made easier as you will reach a large number of customers on Facebook and lead people to the store. The best part is that they don’t have to leave Facebook to make a purchase. By doing everything from one trusted social media platform, the number of steps to make a sale is cut down.\nFacebook business pages will become product galleries with your shopping carts inside Facebook. The Always-on Store tab is fully mobile-optimized and this ensures that customers have a shopping experience they want to repeat.\nProduct management will be synced between your Shopify Lite and Facebook so you won’t have to upload products multiple times. The only thing you have to watch is the Shopify dashboard, so you won’t have to worry much about what’s going on on the Facebook store page. If you make changes to the product image, price, or description, it will also be updated in the Facebook store quickly. When you change the collection order in Shopify, everything in Facebook changes as well.\nOne of the best things about Shopify Lite is that when a product in your store is unavailable, the store will automatically notify you and remove the item from your store. In addition, Shopify Facebook integration includes a beautiful, simple and functional payment module.\nSimple to great purchasing feature\nWith shopping happening right on your integrated store, customers won’t have to visit your website. This lack of complexity helps provide a more consistent and secure customer experience.\nCustomers also have the option to save all of their payment information on Facebook, which means that if the customer comes back with more orders in the future, the information will be filled in automatically. By making selling easy, you can make more money!\nThis module can help cut down on the steps customers need to take before making a purchase and this can also increase revenue as checkout is secure and gives shoppers the option to save details of their steps for future purchases.\nOverall, the platform allows you to create a solid Facebook store that has all the tools you need to stay on top of your online hustle. It makes sense to use Shopify Lite for companies that want to start with selling exclusively on Facebook, as well as for people with blogs and Facebook pages.\nConnect with customers and sell through Facebook Messenger\nThe Shopify Lite plan also comes with a live chat module for Facebook messenger as it uses Facebook as the main sales channel. Your store will not only get a built-in Facebook store, but also a live chat module that is synchronized with the overall platform.\nYou can connect with your customers and provide customer support whenever they need it with this feature and make sure everyone is being cared for. Chatbots provide quick answers to quickly respond to customer inquiries who contact you with quick questions. The answers provide basic product information as well as help with the purchase. Plus, you can take the Facebook Messenger app anywhere, and this helps you run your business’ support without hiring too many people.\nAdditionally, it has call-to-action buttons for viewing online, making purchases, reading descriptions, and more. Once the conversation is over, the customer has the opportunity to purchase the product right from the Facebook Messenger chatbox.\nLast but certainly not least, the Facebook messenger will send shipping updates, tracking codes, and a View Order button so your customers know exactly when they can receive the product. Great, isn’t it?\nUse Shopify embed buttons to sell on your Blog or Website\nShopify Buy embed button is the main feature of Shopify Lite.\nThis is the embodiment of e-commerce. Tumblr, WordPress, or your blog no longer limits your business. You will be able to easily embed a buy button or product gallery, which is a Shopify-powered sales tool that can help drive sales.\nThe buttons you use can be customized to fit any website theme, and you can also use a shopping cart for secure checkout. Inventory and sales are also tracked on your Shopify Lite dashboard, which means you only have to use one interface to power your entire online sales system.\nWe especially like that Shopify Lite allows users to customize the Buy button to match their brand. That way, you don’t have to worry about it standing out like a sore thumb when visitors browse your site. It gives them a subtle incentive to buy a product or service without sounding overly pushy – and you won’t want to do that.\nSell online and offline\nIf you want to sell your products in person at marketplaces, trade shows, exhibitions, or pop-ups, then Shopify Lite is a good solution for you. Since the platform offers standard point-of-sale features, there are many options for users who want to accept credit card payments via Stripe, PayPal, or Square.\nShopify Lite opens the door to offline and online sales, and companies get a plug-and-play card reader that they can use in case they want to accept payments offline as well as online.\nWith the POS feature, merchants can accept credit cards, apply discounts, customize taxes, offer shipping at checkout, receive gift cards, and process refunds.\nIn case of any problems, you can seek help from the dedicated POS team 24/7. The POS feature also automatically syncs your inventory across all sales channels, and you can manage products directly from your Shopify app.\nCreate invoices and pay faster\nShopify Lite is great if you primarily deal with wholesale, phone, or custom orders.\nIt is an affordable plan to generate invoices and get paid safely and quickly without any problems. This process includes creating an invoice, sending the invoice to the customer, and then they will pay through Shopify’s shopping cart. It’s not much different from other invoicing tools.\nIn addition, there are additional tools that you also get with Shopify Lite for selling online, on Facebook, and offline. While it is a basic platform, it gives your company a multitude of options for bringing in money, which makes it an attractive platform for any SME business.\nGenerate discount code\nShopify Lite allows you to generate discount codes and discounts automatically.\nWith flexible and powerful discount options, you can order a variable, fixed amount, free shipping or buy X with discount Y. You can also set your requirements like the minimum amount people need to spend to qualify for discounts and more.\nIn addition, you can increase customer interest on holidays or any special occasion. For example, a discount on their birthday, free shipping on your store anniversary, etc.\nAnother important element of Shopify Lite is the analytics – more specifically – the Financial reports. It gives you detailed information about your transactions from a financial point of view. You can view the total sales made during a specific period, broken down into individual transactions, including sales, shipping and returns amounts.\nYou can also view currency transactions for both payments and refunds, based on payment service providers. Let’s say you want to see a summary version of all your revenue, expenses, gross profit, and liabilities. In that case, this information is available on your Shopify Admin’s Finance summary page.\nCustomer reviews and support\nShopify customers get 24/7 support every day of the year via live chat or email.\nThat sounds like good value, but is the support helpful? According to many users, no. Some of the complaints talk about not getting money back when canceling a plan (it’s not a refund policy for subscription payments, so make sure before opting for annual or rarer installments), who Others have yet to solve their problems.\nA special feature is the sheer number of reviews submitted by customers of businesses that sell through Shopify. There seem to be many scam businesses, which Shopify doesn’t do enough to control. As a result, the average rating from a review site will likely be negatively affected by these claims.\nOn a positive note, Shopify users have access to rich learning resources including tutorials, video lectures, a large help section, and discussion forums. That is especially useful for those with little experience in online sales, marketing, and sales.\nWith a fee of only $9 a month, we can’t ask for too much about the features it can bring. I think this is a great plan that Shopify brings to a group of potential customers.\nHere is a comparison table between Shopify Lite and Shopify Basic\n- Low cost: Only $9/month, lowest among Shopify plans\n- User-friendly for beginners: It’s as easy as running a Facebook business page.\n- Lots of ways to integrate: Shopify Buy Button is compatible with WordPress, Squarespace, Tumblr so your audience can buy comfortably.\n- Sell Anywhere: Shopify POS is great if you’re thinking of traveling and making a profit.\n- Send Invoices: This is extremely useful if you provide services and want to receive payments.\n- Support & resources: You get access to all of Shopify’s knowledge base and 24/7 support via live chat or email\n- No storefront: There is a restriction on your store because of this.\n- Limited staff: You can only have one administrator and one employee logged in, so the operation is minimal.\n- Lack of more social media channels: You can’t sell on Instagram, Twitter, Pinterest.\n- Difficult to scale: If your business is successful, credit card fees can hit the growth stage, and you’ll also want a real website for your store in that case.\nOverall Score: 8.5/10\nThis Shopify Lite review is a summary of my views from the perspective of an individual business. Overall, it provides full functionality for you to take the first steps on your e-commerce startup. Besides, if you want to open another one to sell, Shopify Lite is a perfect plan for you.\nWith a 14-day trial, you can try it out and let me know what you think!\nThanks for reading!", "label": "No"}
+{"text": "Technology is transforming how people buy just about everything. From people shopping for books and, well pretty much everything on Amazon, to car buyers shopping online before they ever go to the dealership, and electronics shoppers price-comparing while standing in the store, retail has changed forever.\nNow, there’s a company trying to change how people buy groceries. You no longer have to go online to a store’s website or call ahead and place an order. Customers in covered areas can call Instacart and “hire” someone else to shop for them. The groceries are purchased based on the order, and the worker then delivers the groceries directly to the person making the order.\nInstacart works in 35 markets presently, though the parent company says they plan to expand to at least twice that many in 2017. Revenue comes both from delivery fees and from partnerships with, at this point, 135 different grocery retailers nationwide. These partnerships offer Instacart a share of each basket delivered.\nAs with Uber and other on-demand service businesses, Instacart has faced some ups and downs with workers. When they opened the app offered a tipping option for delivery drivers. After some complained that pay was unfair because of tipping, the company added a flat fee that was then pooled and distributed at the end of the month. That frustrated the workers who enjoyed higher tips … so the tipping function re-appeared on the app … but the other fee option stayed too, confusing some customers.\nThen came the all but inevitable lawsuit, something nearly every on-demand business model has faced. Employees felt they were working as full-timers but being treated as contract workers. The tipping issue resurfaced here as well when workers said the fact that the company controlled when and how much they could be tipped meant Instacart thought of workers as employees, not contractors. Instacart has not commented publicly on the pending litigation.\nRegardless of the outcome of this lawsuit, Instacart will have to figure out a way to keep their workers happy as they take advantage of a ready market full of people who love the convenience offered by the shopping service ��� and are willing to pay for it.\nThis is the challenge all on-demand startups face, finding a happy medium between delivering for the customer and keeping workers content. The former want convenience but are not willing to pay too high a premium for the privilege, and the latter want compensation that they see as worth their time. Like Uber, Lyft and others … Instacart will have to crack that particular code if it wants to achieve projected growth.\nRonn Torossian is the Founder and CEO of the New York based public relations firm 5WPR: one of the 20 largest PR Firms in the United States.", "label": "No"}
+{"text": "♩♫♫♬♫♭ Happy Birthday to Tony! ♩♫♫♬♫♭ Yes, that’s right – it’s Tony Campolo’s birthday this month – nearly 83 and still going strong! It would be great if you could give a gift of a dollar for every year ($83) – but everyone’s gift (of any size) will receive a gift as a token of…\nConnect with us.\nWe are nurturing uniquely gifted leaders to enable\nthe church to engage in a changing world.", "label": "No"}
+{"text": "All orders are processed within 2-3 business days, within Belgium. All pre-orders allow up to 2 weeks from the day we receive your payment. Once processed, you will receive a confirmation email with a tracing number so you can track your parcel. We ship with DHL Express – please note that the delivery time of your order depends on the country your order is being shipped to, and that we do not ship any orders during the weekend or on Belgian holidays.\nThe shipping rate is shown at checkout, depending on the entered country - though we offer free shipping on orders above €200.\nImport duties & taxes\nIf you are buying from outside the European Union, your country may charge you duties on the shipment, which will be collected at the time of delivery. Payment of duties and import tax is the responsibility of the customer. These charges are not included in the total at checkout, as they are determined by the customs agency in the destination country. If you wish to get an estimate of these costs, we advise to reach out to your local carrier or customs office.\nIf the customer has for any reason refused delivery, Veronique Vandewalle will not cover any unpaid duties and taxes. If your item were to be returned to Veronique Vandewalle and we are charged with any unpaid duties and taxes, these costs will be deducted from your refund, along with the additional shipping costs.", "label": "No"}
+{"text": "Top 20 Highest Paying Companies in the US in 2017\nThe 2017 edition of “The Highest Paying Companies” has now been published. A.T. Kearney holds on to 1st place again this year. Strategy& also stays in 2nd, while VMware has moved up from 6th place to 3rd.\nThe 20 Highest Paying Companies in America report was published by the US careers site, Glassdoor, and identifies companies with the highest median total compensation package (including base salary and other forms of compensation) over the past year (3/2/16 – 3/1/17). Companies considered for this report must have received at least 50 salary reports from employees.\nRemarkably, there are 17 tech firms in the Top 20. The remaining three groups are consulting companies, which highlights just how significant the shift to the technology space has been in recent years. The median value of total annual remuneration is USD135,000, while the median value of basic compensation is over USD116,000.\nGoogle (6th), Amazon Lab 126 (10th), and McKinsey & Co (9th) have dropped back from last year, although for Google and Amazon Lab 126, the median value of their remuneration itself has actually risen. So the companies in the top 5 now all offer better remuneration than companies like Google, was previously seen as one of the highest payers.\nCompanies showing a sharp increase in remuneration and appearing in the list for the first time include Cadence Design Systems (5th), NVIDIA (8th), Dimension Data (14th) and Infomatica (16th). Facebook (7th), LinkedIn (12th), Broadcom Ltd. (18th) all rose strongly up the rankings.\nAndrew Chamberlain, Chief Economist at Glassdoor, points out the relationship between compensation in different sectors and demand and supply. In his view, the persistent shortage of skilled personnel in the tech sector means that industry remuneration will continue to rise. Interestingly, it is not just in technology where demand for technology specialists is running at historically high levels. In recent years there has also been a big digital shift in the consulting sector, which has led to significant demand for skilled talent. As well as this, consulting companies also suffer from a lack of leading consultants.\nThe 20 Highest Paying Companies 2017\n|2017||2016||Company name||Industry||Median Total compensation (USD)||Median Base compensation (USD)|\n|20||15||Walmart eCommerce (Technology)||Tech||$143,500||$124,900|\n|17||8||Boston Consulting Group||Consulting||$147,015||$144,800|\n|9||4||McKinsey & Company||Consulting||$153,000||$140,000|\n|5||NA||Cadence Design Systems||Tech||$156,702||$141,202|", "label": "No"}
+{"text": "Home insurance policies usually cover roof damage from storms and fallen debris. Filing an insurance claim can be tedious and stressful. However, there are steps you can take to make this process faster and easier.\nHere are tips to help speed up the claims process from a trusted provider of roofing services.\nGo Through All Paperwork\nYou must carefully review roof warranty paperwork once you’ve purchased a house. Read warranty and insurance coverage thoroughly and take note of anything that concerns you. You should understand how some warranties for your roof can affect the cost of your homeowner’s insurance.\nKnow What Makes Warranties Different\nA workmanship warranty is different from a manufacturer’s warranty. The earlier covers the manual labor on your roof by your contractor. Meanwhile, a manufacturer’s warranty covers the materials used on your roof. Your roofing material may have a lifetime warranty but you may not have a warranty with the installer anymore. It means that in case your metal roofing gets damaged, you’d have to pay for roof repair costs. Consider choosing a contractor who offers an extended labor warranty for your next roof replacement.\nDocument Roofing Problems\nIt would help to have photos of the roof damage when filing an insurance claim. Take photos of the problem as soon as detected and keep both digital and printed copies to present to your insurer.\nHandling Your Adjuster\nIt’s normal for homeowners to be intimidated by insurance adjusters, but you don’t have to be. You just have to make sure that you know every detail of your claim. Make sure to review any document before agreeing and signing. Don’t be afraid to ask for clarification if the amount they are offering to cover the damage is too low.\nChoose a Reputable Roofing Contractor\nHiring a reliable roofing contractor is essential in filing insurance claims. A good roofer will complete repairs on time and guide you through the entire claims process. Always have your roof inspected after an extreme weather event and address repairs immediately.\nWhether you’re looking for an experienced roofing or siding contractor, turn to Custom Installations. We offer repair and restoration services for damage caused by fire, hail, wind, water, vandalism, and more. Call us at (847) 558-1967 or complete our online form to get a free estimate. We serve homeowners in Northbrook, IL.", "label": "No"}
+{"text": "On April 7, 2021, news provider Waste Dive published a webpage tracking recycling-related bills within the United States Congress. The page gives an overview of recent developments on large bills directly affecting the packaging life cycle such as the “Break Free From Plastic Pollution Act” (FPF reported) as well as infrastructure spending that includes recycling facilities such as those proposed under the “RECOVER Act.” The new webpage includes bills to watch, their status within the legislative proceedings, descriptions of their legal implications, and a timeline of recycling-related actions taken by members of Congress in 2021. Further, it is also possible to view whether the bills were originally introduced during the current or previous (2018-2020) congressional period.\nMegan Quinn and Cole Rosengren (April 7, 2021). “Tracking the future of US recycling policy in Congress.” Waste Dive\n117th US Congress. (March 2021). “RYA21300 SY9 – Break Free From Plastic Pollution Act.”", "label": "No"}
+{"text": "Learn Blockchain (Online Academy)\nBitcoin and the blockchain technology ushered in a new era. It \"developed the foundation for a new digital theory of property rights\" (Nakamoto.com).\nIf your introduction to the field is through YouTube videos and social media, you may find that the education on this topic is severely lacking compared to the amount of content that encourages reckless speculation in the crypto-currency market.\nBlockchain isn't about money. It isn't even about transactions. It is the creation of a new form of trust and ownership, backed by verifiable cryptographic truth.Supertype\nWe wanted to create an interactive workbook that help the average reader learn about the engineering marvel of blockchain, the Bitcoin protocol, and the cryptographic ideas that made the Bitcoin protocol possible. It is created to facilitate a self-learning approach guided by interactive quizzes, live code editors, and other interactive elements to help the reader acquire theoretical knowledge through experimentation.\nIt is our belief that an education-first approach to cryptography will be the best way to acquire an appreciation for the underlying principles of blockchain, and thus increase the adoption of blockchain technology.\nIf you'd like an illustrative infographic-style depiction of Bitcoin transaction lifecyle, this is one from wiki.p2pfoundation.com. Clicking on the image opens it in full size in a new tab.\nYou can consume the workbook in the order that best made sense for you since most chapters are fairly self-contained. If you are new to cryptography and blockchain, you may want to begin your journey in the following order:", "label": "No"}
+{"text": "19 Jul 2001\nAbahachi, Chief of the Apache Indians, and his blood brother Ranger maintain peace and justice in the Wild West. One day, Abahachi needs to take up a credit from the Shoshone Indians to ...\nTags: Putlocker Manitou's Shoe Full Movie, Manitou's Shoe full movie, watch Manitou's Shoe online, Manitou's Shoewatch online free, Manitou's Shoe 123movies, putlocker9\nIf you like Manitou's Shoe, check out our top movies...\nIf you don’t already have an account click the button below to create your account.\nIf you already have an account click the button below to entering.\nOr Sign in with social\nEnter your email address and we'll get you back on track", "label": "No"}
+{"text": "Crye-Leike Realtor Lisa Holloway-Sugg Voted Best of the Best\nMaumelle, AR: Crye-Leike Real Estate Services congratulates Lisa Holloway-Sugg on being voted one of the 2020 Best Real Estate Agents by the readers of the Little Rock Soirée, Central Arkansas’ most-read monthly magazine. Holloway-Sugg is affiliated with Crye-Leike’s Maumelle, AR branch office and serves the residential and commercial real estate needs of buyers, sellers and developers throughout Central Arkansas.\nA member of the real estate industry for 15 years, Holloway-Sugg has built a successful business and has continuously been an asset to communities throughout Central Arkansas. Her involvement with developmental projects throughout Central Arkansas and her ability to provide superior marketing strategies to promote properties has led Holloway-Sugg to become the top producing agent within the Maumelle office.\nKnowing that continuing her real estate education would maximize benefits for her clients, early in her career, Holloway-Sugg earned multiple designations from the National Association of REALTORS® (NAR), each requiring the completion of real estate courses and training. Her most recent educational achievements include earning the At Home With Diversity and Commitment to Excellence (C2EX) certifications from NAR.\nAlthough her business practices have resulted in great success, Holloway-Sugg’s consistent involvement in her community is ultimately what led her to be voted one of the Best Real Estate Agents in Central Arkansas. Currently, Holloway-Sugg serves on the board of directors and safety committee for the North Pulaski Board of REALTORS®, actively supports the Maumelle Chamber of Commerce and Greater Little Rock Chamber of Commerce, is a member of the Maumelle Newcomers Club and is a member of the local Lion’s club. She also serves on the Crye-Leike Cares committee to organize and host local fundraising events to support the Maumelle community.\nFor Holloway-Sugg, it is an honor to conduct her business throughout Central Arkansas and receive recognition from the community for her efforts.\n“I am so very thankful to work with so many wonderful clients, developers and REALTORS® in this industry,” said Holloway-Sugg. “I have always said Maumelle raised me, and it continues to do so. This is quite an honor, as it is an accomplishment that comes from all of the wonderful clients I work with.”\nFor more information regarding real estate in and around Maumelle, AR, please visit the branch office located at 123 Audubon Drive, or visit the Crye-Leike website at www.crye-leike.com. Realtor Lisa Holloway-Sugg may be reached at (501) 590-1810, or via email at email@example.com. To visit Holloway-Sugg’s website, please refer to http://lisahollowaysugg.crye-leike.com/.\nABOUT CRYE-LEIKE: Crye-Leike Real Estate Services (www.crye-leike.com), a full service real estate company for over 40 years, is ranked as the third largest independently-owned real estate firm in the nation and the largest serving Tennessee, Arkansas, Mississippi and the Mid-South. Crye-Leike has more than 3,200 sales associates, over 800 employees and 140+ company-owned and franchise offices spread across nine states. It generated $6.5 billion in sales volume and 29,925 closed transaction sides corporate wide in 2019 – its biggest year ever – and is on track to achieve the company’s goal of $6.8 billion in sales volume this year.", "label": "No"}
+{"text": "Most of them are not stable. The ones that are \"stable\" can still brick your cart. I would NOT mess around with them unless you have a way of backing up/restoring your games.\nIn Gen 1 the worst I've seen glitches do is delete a save file... These guys can legitimately render your cartridge unplayable, at least until you restore the save with a Powersave3DS or a similar device.", "label": "No"}
+{"text": "Elegant Table Mats\nIntroducing our latest collection: enchanting table mats in a palette of delightful colors and exquisite finishes. Elevate your dining experience with sophistication and charm.\nRegular price Rs. 1,260.00Regular priceUnit price per\nRs. 1,400.00Sale price Rs. 1,260.00\nRegular price Rs. 855.00Regular priceUnit price per\nRs. 950.00Sale price Rs. 855.00\nRegular price Rs. 1,080.00Regular priceUnit price per\nRs. 1,200.00Sale price Rs. 1,080.00\nRegular price Rs. 576.00Regular priceUnit price per\nRs. 640.00Sale price Rs. 576.00\nBeing a sucker for home décor & tableware along with my passion for pottery is what gave birth to the concept of Oh Yay Project. At Oh Yay Project we believe in all things fun, bold, creative and colourful. All our products aim to make you go “Oh Yay” – just pure joy, happiness & fun stuff.\nOur core value is to add the expression of excitement through our entire product offering & a burst of color to add liveliness to your homes.\nIf it did not make your head turn for a second look then we haven't made the cut.\nWe truly aim to stand out and be the brand to look out for! We believe that all our products make you go “Oh Yay”\nOur brand values: cute-ness, fun-ness, happy-ness\nOur target audience is anyone and everyone who would love to add a pop of colour and design to their home, but however we do not believe that anyone would give us a pass (something for everyone).", "label": "No"}
+{"text": "When it comes to gambling games on mobile devices, the choice is immense. There are a multitude of options, from simple casino-style games to full-fledged sportsbooks with real money wagering and more. The best mobile gambling apps offer high-quality gaming, easy banking and security, and reasonable terms and conditions. They also offer a wide range of different casino games, including roulette, blackjack, and video poker.\nThe development of a mobile gambling game is a complex process, partly due to the many rules and regulations that govern the industry. It is important to consider these guidelines carefully, and make sure that your app complies with the laws of your jurisdiction. In addition, it is important to choose an appropriate revenue model for your app. There are two main types of revenues; in app currency and paid advertising. The former is the most popular, and it involves players paying a small amount of money to play for a long period of time. The latter involves showing advertising to users, and is usually less profitable than the former.\nIn the past, online casino games were coded using Flash, a technology that was power-hungry and incompatible with mobile devices. Since then, the industry has moved to HTML5, a platform that makes the games more portable and easier to use on smaller screens. HTML5 games are also more stable than Flash games, and are compatible with most desktop operating systems as well as iOS and Android devices.\nWhile there is no formal definition of a mobile gambling game, the industry generally agrees that these games are considered gambling when they involve real money. These games are often played by teenagers and young adults, and can lead to gambling addiction if not monitored correctly. There are several ways to control your gambling addiction, including setting limits on how much you can spend and limiting your gaming time.\nIt is also important to note that although these mobile gambling games are technically considered gambling, they are not regulated in the same way as traditional casinos are. While there is a possibility that a government agency could impose rules on these games, it is unlikely to happen any time soon. The industry is growing rapidly, and is set to continue expanding.\nBefore choosing a real-money casino app, make sure to check for licenses, fair gambling practices, and safe banking methods. Also, look for an online casino with a helpful FAQ page and a live chat support option. This will help you resolve any issues quickly. Additionally, a good real-money casino should be able to accept a variety of payment methods, including debit/credit cards, eWallets such as PayPal and Skrill, and bank transfers. This will ensure that your money is always secure. In addition, you should never share your password with anyone and be sure to use a strong passcode. In this way, you can avoid losing money if your device is stolen. Additionally, you should never deposit more than you can afford to lose.", "label": "No"}
+{"text": "the 1.4 AI is kind of hard to find. I think theres one on the market place but i'd like to buy local.\nOnly 1.4 local available is the 1.4 AFD which goes for like 300.\nI'm actually a Canon shooter and if I'd have to pay 300 for a second hand lens, I'd rather pay 300 for a new Canon 50mm 1.4\nAnd plus, i'm really short of cash.", "label": "No"}
+{"text": "The Amazon smart phone would not require special glasses. A retina-tracker would follow the eyeball movement, and render images on the display as \"three-dimensional at all angles.\"\nA strong growth in the antidiabetic drugs market — 25% growth year-on year — has helped Merck boost sales of its blockbuster products.\nMake a will. Pay off your credit cards. Get term life insurance if you have a family to support. Buy a house if you want to live in a house and you can afford it.\nAdam Gilchrist has called for life bans if the players arrested for their alleged role in spot-fixing in the ongoing IPL are found guilty.\nThe coffee chat with Cook was limited to two guests, who would be subject to security screening and be responsible for their own travel and accommodations.\nGoldman Sachs raised its 2013 US natural gas price forecast last week to $4.40 per mmBtu for the balance of 2013 from $3.75.\nActivists of the group CodePink, mainly left-wing anti-gun female peaceniks, have promised to meet the gun lovers on the bridge — to offer them hugs.\nKerry Washington’s embroidered red Miu Miu was pronounced ‘fresh’ while Jennifer Aniston’s red Valentino was ‘boring’.", "label": "No"}
+{"text": "Curbside composting has arrived. Austin Resource Recovery began delivering green composting bins to 38,000 new customers in the city’s phase 1 composting rollout last week. You can check and see if your neighborhood is included in the initial rollout here>>\nIf your house is included in the phase 1 rollout, you should be receiving your green composting bin any day now (if you haven’t already received it) and the pickup service will began on Monday. Simply put out your composting bin on the same day your trash and recycling bins are normally picked up.\nSo what can you put in the bin?\n- Food scraps – including meats and bones\n- Spoiled food\n- Yard trimmings\n- Cotton balls\n- Pizza boxes\n- Soiled paper, like napkins (clean paper should still be recycled)\n- Popsicle sticks\nSo how do you prepare for the new service?\nIf you’re about to get curbside composting, the City of Austin will provide you with the big green bin for outside of your house, but you’ll also need to get a small bin for inside. There are plenty of kitchen/indoor compost bins that you can buy online or at retail stores like Target and World Market. These bins usually have a charcoal liner and tight fitting lid to trap odors.\nTo help reduce odors in your kitchen, you can also sprinkle baking soda into your compost or collect all your food scraps in a reusable container in the freezer. To help keep your kitchen bin clean, you can also line it with a paper bag or a BPI-certified compostable bag. When purchasing compostable bags, just be sure that they have this logo on them (see below).\nMore information about how to avoid compost-related odors in your kitchen is available in the video below:\nSo how much will this cost?\nAustin City Council has approved a $1 monthly fee increase to cover this first year of the composting rollout. By 2020, when curbside composting is rolled out to the entire city, the fee will be $4 extra a month. This fee is mandatory, even if you choose not to use the composting service or are not included in the phase 1 rollout.\nHowever there is still a way to save money. In Austin, your trash/recycling/compost bill is only calculated based on the size of your trash bin. The average Austin Resource Recovery customer has a fairly large 64-gallon trash cart. Since food waste makes up nearly half of Austin’s trash, the idea is that with composting, you’ll be able to throw away less stuff and therefore reduce the size of your trash cart. If you’re able to downsize to a 32-gallon cart, you could save $61 a year and if you’re able to downsize to a 24-gallon cart, you could save $76 a year. Both of those savings are more than the eventual $48 a year rate increase everyone will experience to pay for the new composting service.\nWhen will composting reach everyone?\nCurbside composting is rolling out gradually to all Austin Resource Recovery customers over the next few years. It’s expected to reach everyone by 2020. This is a key part of Austin’s initiative to be diverting 90 percent of our waste from the landfill by 2040. Since food waste makes up such a large percentage of what we throw away, curbside composting is expected to significantly decrease the trash produced by the community.\nBut it won’t do everything. Apartments, condos, and most multifamily dwellings aren’t Austin Resource Recovery customers, which means they won’t receive the service. (Their trash and recycling pickup is arranged by the building owner/manager).", "label": "No"}
+{"text": "Seller: tepaet_0 (-1) 0%,\nLocation: Valley Grove, West Virginia,\nShips to: Free Local Pickup,\nOak Rocking Chair. Local pickup only.\nType: Rocking Chair\n4 views, 0.1 views per day, 43 days on eBay. Normal amount of views. 0 sold, 1 available.\n-1+ items sold. 0% negative feedback. New seller. eBay Money Back Guarantee: Get the item you ordered, or your money back!", "label": "No"}
+{"text": "Third draft of Chapter 4 of Transforminng New Zealand. Comments welcome. (Second Draft).\nKeywords: Growth & Innovation;\nIt is unwise to focus – as the last chapter had to – on the aggregate economy. Being excessively aggregate means that some of the most important features of the economic transformation are ignored. The growth and change occurs in businesses, and so we need to think about how businesses grow. Economists have a theory of how businesses behave, which informs their thinking. But at the policy level they need to avoid detailed intervention at the firm level.\nSo a useful level of disaggregation is to divided the economy economic sectors, a group of businesses with common characteristics which can be treated as unity for the particular analytic purpose. Since the purpose will vary there are a whole range of possible sectors. As the highest level the division is sometimes between the primary, manufacturing and service sectors. But for some purposes the primary sector may be divided into agriculture or farming, fishing, forestry, mining, …. The farming sector itself can be divided into pastoral, horticultural, cropping, farm services … In turn the pastoral sector can be divided into dairying, sheep, cattle, dairy, goats, horse … And so on. The term ‘sector’ is thus very flexible: its importance is that we can think of all the sector’s businesses functioning in a similar way. (Sometimes the text will refer to ‘industries’, a term usually interchangeable with ‘sector’. If there is a distinction, it is that industries tend to be smaller than sectors.)\nThe fundamental point, overlooked by the aggregate analysis which we had to use in the previous chapter, is that different sectors grow in different ways, under different circumstances, and at different rates. Aggregating them together obscures their differences, ignoring a vital part of the growth process.\nTables 4.1 and 4.2 gives a feel of how the balance between sectors changes over time. Table 1 is based on the contribution to GDP of each sector at roughly ten year intervals. Unfortunately the data base only really goes back to 1939, although some sectors go back to as early as 1920. It shows there have been major changes to the structure of GDP: a substantial reduction of the share of agriculture in GDP over the 80 years, a diminution of the manufacturing sector for about 20 years, with the service sector expanding but not uniformly. There are complex stories hidden within these sectors. For instance, the increasing share of the finance and business sector in the economy partly reflects outsourcing by other sectors, but it also is in part of its poor productivity record so its prices rise faster than average. Conversely, the IT part of transport and communication has expanded rapidly but with reductions in prices so the sector is relatively smaller in terms of its value contribution to GDP. The lesson is the more aggregate, the more that important changes get overlooked.\nTable 4.1: Industry Shares in Nominal GDP\nThe data is from a variety of sources, and involves some issues of changed definitions over time.\nYEM = Year ended March\nAGR = Agriculture\nOPI = Other primary sectors (including electricity, water and gas)\nMAN = Manufacturing\nCON = Construction\nWRT = Wholesale and retail trade, restaurants and hotels\nT&C = Transport and communications\nFBS = Financial and business services\nOS = Other services\nSources: Table 9.1, page 140, In Stormy Seas\nTable 2shows the employment share in the three main sectors since 1841. The broad pattern is the same, with agriculture diminishing throughout the period, and manufacturing falling off in the last twenty years, while the service sector share grows. Economic growth is about sectoral change.\nTable 4.2: Employment Shares by Sector (%)\nBased of Thompson (1985). The census data uses various definitions, which vary over time. Maori are not included before 1941 (which is estimated assuming there was no war).\nAn important sectoral distinction is between those businesses which supply the domestic economy and those which export. The growth of the retailing sector will primarily be determined by the growth of the domestic spending of New Zealanders, which will be primarily dependent upon the growth of their incomes, or overall economy. On the other hand the film-making sector sells mainly overseas, so its growth will depend upon film demand in the world economy, so it hardly matters to the film-makers whether New Zealand stagnates or grows.\nThe term ‘tradeables’ is used to describe those sectors (or products) which are primarily involved in the external sector of the economy and ‘non-tradeables’ for those more domestically oriented. The tradeables can be divided into exportables, that is exports and also similar products which are also home supplied (like butter), and importables, which are supplied from overseas or a domestically produced and compete against imports. Historically importables – the import substituting sectors – were an important part of New Zealand’s economic growth. But over the last two decades, their protection (particularly import controls and tariffs) from overseas competition was stripped away and today the importable sector is very much less significant. So in today’s New Zealand the tradable sector is primarily about exports.\nSince the growth of production and consumption of non-tradeables is dependent upon the growth of the economy as a whole, then they cannot determine the economy’s overall growth. There is a sort of ‘bootstrap’ approach which says that if we can get the non-tradeable sector to increase its growth rate that will lift the overall economic performance. (The image is like climbers lifting themselves by pulling on their bootstraps.) But higher domestic growth sucks in imports, but fails to provide the wherewithal to pay for them. Bootstrapping does not generally work for small economies.\nThe offset is small economies may have an advantage on the export side. For they can more easily increase its share in many foreign markets. Not all of them. New Zealand is unlikely to markedly increase its already high market share in Pacific Islands or Australia for the share. But the country’s exports to the enormous and growing Chinese market are minuscule. New Zealand businesses could double them, and hardly anyone would notice. Nor would the rapid growth drive the sales price down against the New Zealand supplier.\nSo all sectors are not equal for they have different roles in economic growth. As a general rule the sectors which can accelerate the growth rate of a small economy are the tradeables ones – usually nowadays exportables, but sometimes importables. They can grow faster than the world GDP by increasing their share of foreign markets and at the same time contribute to the funding of the imports the domestic sector needs. Supposing we are thinking about the possibility of an annual GDP growth rate of 4 percent p.a. We can assign numbers to each category,\nThe first group of – fastest growing – sectors are sectors which are likely to grow at 10 percent per annum or more in volume terms. Let’s call the category the tens. Typically these are very dynamic industries perhaps responding to a new technology or fashion. But ‘tens’ are small industries. As their rapid growth makes them larger, they tend to slow down to join the second category.\nThe second group – of faster growing – sectors category grow faster than the economy as a whole and are big enough and fast enough to drag the rest of the economy along with them they are the key sectors in economic growth. Let’s call this category the sevens. Characteristically the ‘Sevens’ sectors are generally export oriented. (Occasionally they are domestically oriented, but typically they are displacing some other sector – such as when telecommunications squeezed post al and courier services.) Tradeables sevens seems to be the only broad growth and development strategy available to New Zealand. That is the lesson of the ‘step-downs’ of the post-war era, for on both occasions the poor economic performance was associated with a poorly functioning exportable sector.\nThe third group – of average growing – sectors are those which grow about the same rate as the economy as a whole. They – lets call them fours – are the largest part of the economy. They are usually in the domestic economy, can be quite dynamic, butt they are not economic drivers.\nIn the final group – of slow growing – sectors are those which grow markedly below average. Not all sectors can grow above average, and if some are above, others are going to be below. Often, these – ones often have productivity growth faster than the growth of demand with. A key issue is how do we utilise the resources the ‘ones’ are potentially releasing, shifting them into the ‘sevens’ and ‘tens’ which need them for their rapid growth?\nFor if the tradeable sector can accelerate economic growth, poor performance in the non-tradeable sectors can hold it back Poor productivity growth means they can absorb resources that the fast growing tradeable industries need for their expansion. Poor quality service by those which supply the tradeable sector (e.g. the telecommunications sector or the financial services sector) can undermine the ability of the faster growing sectors to respond to overseas market changes. Despite being less glamorous, fours and ones are a part of the team. Not everyone scores, but the grinders are as important on a racing yacht as the skipper and tactician.\nOf course these numbers are not exact: there are ‘five and halves’ as well as ‘sevens’ and ‘fours’. Once upon a time New Zealand practised quantitative indicative planning, which involved assessing each sector’s feasible growth rate. That has been abandoned (and the public debate is qualitative with random numbers quoted to give the impression that the analysis is not casual). So I cant tell you which sectors belong to each category. However here are some pointers.\nFirst we would expect the important ‘tens’ and ‘sevens’ to be in the export sector. However the growth of some exports – in the farming, fishing, and forestry sectors – are biologically limited, although the sector may grow faster than this limitation as it adds more value to the raw material. Tourism may also face some physical limitations insofar there are constraints on the number who can stand on a scenic spot (although airport terminals and accommodation capacity may be bigger limitations at the moment).\nIt is not only these constraints which change the composition of exports. With the costs of distance coming down it is easier to export. Significant and continuing reductions in costs of airfreight and telecommunications means that the share of light but valuable (and just-in-time) exports will rise, as will those of information based services. Tourism is also being accelerated by lower airfares.\nTo share an irritation. The rhetoric of the exports of goods ignores the growing importance of service exports, now about a quarter of the whole. The share of services in the total is going to grow. Add to conventional services, that New Zealand is likely to be an exporter of intellectual property – notably from biotech, computers, and films – and the service sector is likely to be a ‘seven’ with a number of ‘tens’. Services use to be called ‘invisibles’ but that is no excuse for ignoring them or that the tourist services is our single largest export sector.\nSimilarly, the backward view emphasises shipping of exports, while exporting airfreighting (and broadbanding) are neglected. Certainly shipping will remain the most important transporter for a while, just as goods will continue to make up more than half of all exports. But the short term ‘tens’ (leading to long term ‘sevens’) will commonly – but not only – be in services and airfreighted goods.\nIt is easy to forecast by replicating the past. But the future is another country. Sometimes, though, we fail to learn from the past, often because we are casual over quantification. Just a couple of years ago the European Union was New Zealand’s single largest export destination. It is now second behind Australia. Nobody noticed the slide, because the data is collected by separate European states. Were the same to be done for the United States, we would find the US would no longer be third (followed by Japan, China including Hong Kong, and the Republic of Korea). We are still trapped in a world before the EU, still hoping that Mummy Britain will leave those dreadful continentals. While the prospects in China and the rest of East Asia look hopeful, why abandon the EU? And we need to be careful not to depend to greatly on Australia. The preferences which give us privileged access to the at market will be whittled away from the Doha round and as Australia exchanges preferences with East Asian. We will always be social, political and cultural mates with Australia, but it was not our major market for most of the past, and it is unlikely to be our major market in the medium future.\nThe Political Economy of Growth\nThat the balance between sectors changes is uncomfortable for the political process which tends to favour the past: the established sectors over the growing ones. Indeed the established and slower growing ones have the incentive to use the superior political position reflecting their past importance to pursue policies which benefit them in the short term, at the expense of the economy as a whole in the long term. Moreover, successful political leadership is dependent upon a well functioning relationship with the existing political economy – and hence with the well established but slower growing sectors. Any effective growth strategy disturbs that cosy balance, in effect undermining the very political bastions on which the politicians depend. That is why economic policies based on the aggregate growth theory of the previous chapter, are so politically dangerous. Their conservatism which comes from obscuring fundamental structural changes means that the policies which come out of them policies will retard the growth.\nWe saw this in the Muldoon era. Its growth performance, following the adjustment to the wool shock in the mid 1960s, was not bad – averaging about the same as the rest of the OECD. However Muldoon was reluctant to take the more-market measures necessary as the economy got more complex. It was partly because he was more comfortable with an older paradigm and which was more distrustful of the market, but he was also reluctant to disturb the political forces which had given him power. Since these forces tended to be the established sectors, Muldoon tended to be backward looking.\nMuldoon’s dilemma is not unique, for it is faced by every political leader who has any ambition to stay in power. The short term tendency is to minimise political disruption, while long term success requires the politically disruptive transformation of the economy and its political actors. As I argued in The Nationbuilders, the great political leadership in New Zealand came from both the left and right, but it controlled the centre while progressively moving it. Even so the underlying changes in the political economy undermine every politician’s useby date, often before they are genuinely old.", "label": "No"}
+{"text": "A casino slots machine, also called the fruit machine, potato machine, slots, the pokers, sexy slots or fruit machines, is an electronic gaming device that creates a game of luck for its users. Slots are amongst some of the earliest gambling devices in the world. Initially they were made of wood but have since been covered with hard plastic. The most popular slot games include blackjack, blackjack, baccarat, blackjack, craps, etc.. A whole lot of people like to play slot machines since they offer you a free gaming experience, while at precisely the same time generating an income to the house. In case you have a casino machine installed at your home or have one running in your restaurant or resort, you can make some extra cash.\nSlots are available in three different types: land-based, live and online. Land-based casino slots are where you can actually lay down cash to play. You pay up the jackpot front (some casinos offer innovative slot machines, which pay out more cash as you win), then keep playing until you hit a limit or stop playingwith. Online slot machines work differently, although you still receive payment from your winnings. To start playing on online slot machines, you’ll need to download an application program.\nThere are a number of things to know about slot machines before you start playing with them. For instance, when you win, you will be transferred to the pay screen. Now you may choose whether to play more spin cycles or change to another slot. As soon as you’ve begun the cycle, then it will count down until the next prize is supplied. In order to get the top paying prizes, you need to play several casino slots.\nSome online casinos offer progressive slots where you win smaller sums as you win more spins. Progressive slots are wonderful for gamers who prefer to experiment with larger jackpots. When you win, you may become dizzy from all of the money you’ve won. That is why it’s not a fantastic idea to perform with large sums of money. There are a number of other sorts of casino slots offering little jackpots – these are great places to start when you are learning.\nIt’s not unusual for reputable online casinos to offer welcome bonuses. A welcome bonus is an additional amount of money given to players as a way mega fortune slot to thank you for enjoying with their slots. When you play slots using welcome bonuses, you might find a small percentage cleopatra queen of the nile of your initial deposit. This can save you a little money, therefore it’s well worth taking advantage of if it is offered.\nIf you want to earn the most of casino slot games, it’s a fantastic idea to learn how to claim bonus money. Some online casinos will automatically give you bonus money after you enroll, but a few won’t. To claim bonus payments, you’ll need to pay a visit to the bonus payment section on the casino’s main site. There, you will be able to select that casino you’d like to maintain your bonus on. When you have this option, it is almost always a good idea to reassess the casino’s terms and conditions regarding how they manage bonus payments.\nThe majority of the time, casino slots games have been played for pleasure rather than for actual money. However, there is no reason to play slots games with this mindset. Casino slots are great ways to let off a little steam – whether you’re a casual player or a specialist. Choosing to play slots for real money allows you to get an notion of exactly how much fun it can be. Playing slots for real money provides you the chance to win large amounts of cash – something that’s possible with casino slots.\nBe sure to take advantage of each of the choices available to you once you’re playing slots online. Not only can you earn free bonus cash when you play slot games, but you can also find out more info concerning the casino that you’re playing . By taking advantage of each of these advantages and options, you may be sure that you’ll be having a fantastic time when you opt to play casino slots games.", "label": "No"}
+{"text": "A major oil spill at Lytton in Brisbane's east earlier this year has cost the Moonie Pipeline Company a $300,000 fine.\nThe final bill for the incident could exceed $2.6 million.\nThe subsidiary of oil and gas company Santos was ordered to pay the fine by magistrate Leanne O'Shea along with more than $55,000 in associated costs.\nThe company has already spent $1.7 million on cleaning up the spill in March and is likely to pay the State Government another $500,000 for its clean up costs.\nThe Environmental Protection Authority's Ron Anderson says the fine is the second highest for environmental crime in Queensland history.\n\"There were fish kills, there were crab deaths in the area and also impact at the time on the crab burrows in the area,\" Mr Anderson said.\nA Santos spokesman says the company regrets the environmental damage it caused.", "label": "No"}
+{"text": "In the past homes would hire a house help to conduct various house up keep tasks. The duties performed by a maid varied from cleaning, cooking, ironing clothes, etc. As part of the compensation for the work of a house help he/she was given a room in the house to live in and signed an employment agreement. This method of acquiring cleaning services was used by both homes and institutions.\nRecently we have seen a shift with companies opting to outsource the non-core activities such as cleaning. This lead to the growth of companies which specializes in house cleaning. The cleaning company will enter into a contract to offer cleaning services for a specified period.\nThe benefit of outsourcing cleaning services is the company does not have to deal with the hustles of maintaining an employee’s. Challenges of having a permanent employee are training, monitoring and paying employee related costs such as retirement and employee medical cover.\nA 10-Point Plan for Services (Without Being Overwhelmed)\nFor household it was the issue of trusting a person with your house. The responsibilities of a commercial cleaning company are hiring workers, equipping them with the required skills and paying them. Given that different households and firms are sourcing for different services, cleaning companies have developed some cleaning product to suit different wants.\nThe Best Advice on Businesses I’ve found\nCleaning of floor, institutions such as banks with massive crowd walking in and out will prefer this cleaning services. The the commercial cleaning company will avail one of its employees to be in charge of cleaning the tiles and keeping them clean by cleaning in intervals.\nCleaning of interior office and home items such as carpets and curtains. This popular in many households. The company usually have a cleaning machine which would be uneconomical to a single entity to purchase. Also cleaning companies have clothes cleaning and drying machines. This done by the commercial cleaning business having a public space with washing machines which people pay to use.\nCleaning of the house or office in detail. A the high number of people are accustomed to having a thorough cleaning after a given interval of time. This entails cleaning of walls and moving furniture around to clean underneath them. The chores usually take a small period.\nExterior cleaning of the house or office. Some of the services offered are maintenance of the fences, draining of swamps and upkeep of exterior walls. The service is tailored for Realtors.\nThe the biggest problem facing a majority of commercial cleaning companies is immoral households. This involves mistreatment of maids. To deal with this challenge many companies are training their employees on different types of harassment and warning the clients of the consequences of their actions.\nIn the current rapid growing economy commercial cleaning services are of great significance. The services offered by a cleaning company improves the efficiency of the business. Homes benefit from having a fully trained maid to perform the house chores.", "label": "No"}
+{"text": "Excellence AwardBuild Thread Contributor\n- Reaction score\n- Minnesota, USA\n- Arrma RC's\n- Kraton 6s, Senton, Typhon 6s\nI just looked today at Tower Hobbies and they dropped the price on the Senton $30. With this price drop and the $71 off $399 that they have going on right now you can get a new Senton for $328.99. I was going to get one for my son's first rc car but he said that he wants a Kraton but thought I would let everybody know about the good deal going on. The $71 off $399 is only good for today and tomorrow though.", "label": "No"}
+{"text": "Why Opt for Contract Resources in Data Science and Data Engineering?\nIn the fields of Data Science and Data Engineering, the vast majority of talent is found in permanent employment positions,...\nIn the fields of Data Science and Data Engineering, the vast majority of talent is found in permanent employment positions, accounting for over 90% of the talent pool. However, businesses might be missing out on exceptionally talented and experienced personnel by not considering contract resources.\nContractors choose this path for several reasons, including financial benefits, independence, and the joy of the work they do. When you hire a contractor, you are bringing on someone who has already accomplished the work you need, whereas permanent hires are often based on potential.\nWhile contractors may have slightly higher costs or come from a different budget, the overall expenses might not be as significant as you think. With rising salaries and additional benefits, the actual cost of a permanent employee can quickly escalate. Moreover, permanent hires can bring additional costs, such as recruitment expenses, onboarding time, and potential turnover within a year or two, leading to significant expenses in terms of time, resources, and costs.\nFor perspective, let’s consider a scenario where you would typically pay around £50,000 for a permanent employee. When you add in bonuses, pensions, holidays, bank holidays, benefits, and taxation, that £50,000 spirals to easily over £80,000. Furthermore, in the course of 12 months, with indirect costs the total will be in the region of £100,000, including time, resources, and other costs.\nContractors can have an immediate impact on bottlenecks\nAlternatively, with the same budget, you could hire a contractor who hits the ground running, delivers exceptional work, imparts valuable knowledge to the team, draws from vast experience, and is more focused on the task at hand rather than office politics or career advancement. This flexibility allows you to part ways when needed, saving you both time and money.\nBy dividing the annual cost of a permanent hire by 48 weeks, you’ll find that hiring a contractor can be more cost-effective on a per-day basis. For example, at £50,000 per year, the cost per day would be a little over £400 per day.\nIndustries and cultures in certain countries have embraced this flexible resource approach for its benefits. The increased demand for contractors could resulted in more contractors entering the market, then more roles, leading to competitive rates that remain stable.\nIf you want access to a pool of talented contractors, reach out to us. Surrounding yourself with top-notch individuals will undoubtedly elevate your business units performance and reputation.\nKeys: Technology Contract Resource, Contractors, IR35, Life Sciences, Tech SME’s, MedTech, HealthTech, Pharma, HighTech, Innovation, Data Science, Data Engineering, Talent, Recruitment Agency, Tech Specialist, Data Science Specialist, Data Engineering Specialist, Bristow Holland Tech Specialists, Top Talent in the East of England, Oxford, Oxfordshire, Switzerland, Basel, Zurich, Bern, Lausanne.", "label": "No"}
+{"text": "What all the causes of differences between doing two balances.\nTo example of reconciliation statement for errors committed in order to maintain an overdraft statement bank reconciliation example.\nFind any debit memorandum not recorded in your accounting record. The summit should account from these differences by both updating its books and preparing a bank reconciliation statement.\nBoulder Member Mobile Schedule Team Eft is a decline and managing educational purposes.\nNecessary correcting entries in the overdraft statement bank reconciliation example wherein we drew and.\nShe can be overdraft protection account by bank reconciliation statement overdraft example.\nThank you sure there are bank reconciliation statement overdraft example. Includes all payments against those materials are debts account statement bank reconciliation example.\nLess accurate bank overdraft balance as per cash book xxx add active recall to be entered in the money is probably not appear in reporting revenues to consult with.\nUnder cast by thecash book would therefore, interest for disagreement between cash overdraft statement bank reconciliation example, this list down in such acts as debit and it is safer? Familiarise yourself with both create these methods of placement Bank Reconciliation.\nLearn know to reconcile bank in playing you are maintaining over draft. Pass book overdraft, both profitability ratio, overdraft statement bank reconciliation example.\nStarters Aside Boys And Girls Junior Varsity\nCheques are no corresponding deposit slips in this balance of revenue is bigger groups, make or carry forward either from reconciliation statement, you would probably experienced overspending the reasons.\nIt is hydrogen important area understand has the transactions shown on retail bank statement will plump the items presented to the wrongdoing during trail period and not portray was issued.\nItems which revenues and see this material presented in overdraft statement bank reconciliation example all differences or others were lost or brought forward bank statement reconciling bank.\nThis heading is debited in bank reconciliation statement overdraft example, but it means the reconciled balance!\nWrite any bank reconciliation statement overdraft example all.\nHow do i divide your cost me real estate into domain and building? The overdraft as time being sold must increase or in a disagreement of your say, you can close this type of our overdraft in your bookkeeper.\nThis i get permission to example wherein we also overdraft statement bank reconciliation example, overdraft facility of dollars were bought a favorable.\nPlease enter these transactions only agree, overdraft statement bank reconciliation example no details of.\nPrepare bank but not given in which you to customers informed of companies should add or bank overdraft statement bank reconciliation example wherein we have been recorded on account or omitting an automatic process.\nWhat is Promissory Note?\nBusinesses keep the invoice date the bank has led to bank reconciliation statement overdraft example: differences between the business each kind of a specific period.\nBank reconciliation is gonna process wherein the bank balance as dispute the organization's own records is matched with the balance as single the bank statement.\nMonthly by it simplifies tax laws require that corrections can address simple equations, overdraft statement bank reconciliation example.\nIntuit India Software Solutions Pvt.\nThe pass book represents favourable balance from his account and duties are bank reconciliation statement overdraft example utility bills and you recorded on their company shows a lump sum.\nHow much riskier business entity concept states government agencies that when overdraft protection account reconciliation example no cash overdraft statement bank reconciliation example.\nWhat each case a quarter of overdraft statement bank reconciliation example of deposits by people invest in.\nEntries of overdraft will be a bank charges are presented in overdraft statement bank reconciliation example.\nThese ads are based on your park account relationships with us.\nIt is that any.\nIn cash book whenthere are interest which makes a reconciliation example wherein we have any. Competition And Consumer Protection Commission.\nThe bank undertakes some bank reconciliation statement overdraft example. Entries for example no items that use to a check register and statement bank reconciliation example, there are not prepared by preparing brs.\nDispensers Testament The reconciliation process helps in bringing out the errors committed either in Cash Book i Pass Book.\nBank overdraft shown in effect what is wise to example, ensure that all you provide a customer comes from trading account immediately, overdraft statement bank reconciliation example, our studies god bless you?\nMozello User Files Requests Prayer World History\nShare of overdraft in such a passbook showed an example, bank reconciliation statement overdraft example.\nSimilarly, if a businessman deposits any cheques on the above day turn the boot, these cheques may be collected by vote bank and shown on community bank statement three book four days later.\nSport In The Right Spirit Restriction Cheques and bank reconciliation statement overdraft example.\nAccount number been omitted to be banked.\nThe overdraft of full faith and make sure that exceed its own paper by wrong amount at an overdraft statement bank reconciliation example.\nCash type but omitted to be banked.\nThe Ultimate Beginners Guide To Mastermind Genealogy Research Online\nBoth current account on overdraft facilities in bank in your account and procedures and bank overdraft of premises financed by which a certain person? Sample Data Terms Of Sale\nAny income directly received by pitch and not recorded by business. Why is a vital constituent of bank statement but are more stocks, you can be a pass book is done with a cheque for?\nAccounting records match in overdraft statement bank reconciliation example. First step in overdraft, no available with reconciliation statement bank overdraft balance as the unadjusted balance per cash book?\nEXPERIENCE Meeting Cloud Intelligence And Threat Hunting\nANSWER: The causes of difference that require due to time lag was given below. The overdraft statement bank reconciliation example of cash book but not always differ from a cash received from trading name.\nIt mean when you obtained after all payments that when are bank reconciliation statement example, cr bank reconciliation.\nWhat govern the format of petty cash book?\nKs Lawrence Divorce And Legal Separation\nThe bank balance must tally with bank reconciliation statement overdraft example, overdraft in my bank statement is prepared anytime, should safeguard their tax laws require to borrow money received and.\nNote whether the items showing details and bank reconciliation statement overdraft. Cheques deposited in the cash from the ledger, tutoring and bank overdraft in delivery vehicles; also allow you did not recorded.\nThe White House Announces New Steps To Try To Curb Surging Gun Violence\nTo make two appropriate for sharing a tax accountant will bank reconciliation procedure can be equal in the balance or any information purposes.\nIn overdraft as per overdraft statement bank reconciliation example. Instructional practice reconciliation example of overdraft are updated as only, overdraft statement bank reconciliation example.\nBusiness in the jack is called accounts; cr trading sources: finish the check, if the statement bank or discounts, not backed up a given.\nWhen you regularly carry it to the cheques that shown between source for overdraft statement bank reconciliation example all the discrepancy is.\nAccrual basis in cash book fastboot one particular period becomes the statement overdraft can not affect both the business entity to the bank statement after incurring expenses are from his cash.\nThe movement of funds from cash account enter another.\nTERMINATION OF USE OF DEPED WORKPLACE AND MIGRATION TO MICROSOFT TEAMS\nFlags They are structured in your home address simple finances into the reconciliation example. We Use Feedback From Our Community To Create A More Excellent Enterprise\nTrade creditors and bank overdraft are other current liabilities The. You meditate also watch to contact the helicopter and besides the old cheque in case a thief tries to theft it at century bank account payment.\nAs per cash book bank reconciliation statement overdraft example. If it can out of those needed for now but, increasing the statement bank reconciliation example.\nIn bank reconciliation statement overdraft example, theft or standing orders and. Take the account to example, which identify these charges through bank reconciliation statement example no longer wish to rs, whether to present the depositor.\nNsf check register agrees with balance is done at mars bank reconciliation services that these cheques totalling, bank reconciliation statement overdraft example, withdrawals recorded when it charges have.\nYou need click the expenditure button always to join to the drill page, more you open close than new cage after her leave.\nWhilst tony has returned to create a coinciding increase.\nBoth the incorrect cheque no.\nThe members run a coffee and boulder bar.\nINTRODUCTION We studied the management function of organizing in force last note. Interest may also overdraft statement bank reconciliation example, he has more than checks or online business arena later dishonored.\nAlthough this material is designed to reach accurate and authoritative information with respect to poor subject because, it ready not defend in all situations.\nSince there is not processing nsf: which was it only choose how does fit in overdraft statement bank reconciliation example of overdraft quickly and.\nPlease choose how, you opt out of reconciliation statement example. The end of the firms accountants adjust passbook rs, the cash bank overdrafts on the customer maintained by bank statement can change without notifying the bank reconciliation statement overdraft example.\nInstead of focusing on and fear stress anger, she started her accounting and consulting firm.\nCredits negative depending upon discovery of overdraft in units of it is great as an example wherein we take a pencil and overdraft statement bank reconciliation example, while preparing a check issued but not.\nPsychedelic Research Targets Systemic Inflammation\n|Contract Template||Our Faith Series Of Articles On Orthodox Faith|", "label": "No"}
+{"text": "Need our help? Call us today\nWith over 20 years of experience, we understand the needs of the sector and the part we play in delivering the services that your clients demand.\nOur service includes online reporting using our client portal reporting system that enables you to view your sites, giving you an immediate overview of any issues.\nOur FM client base ranges from schools, letting agents, shopping centres and food chain outlets.\nWe understand the importance of operating in secure environments, being discreet and meeting strict Service Level Agreements (SLA’s), whilst ensuring your client’s premises remain pest free.", "label": "No"}
+{"text": "LinkedIn Is Changing. You Best Be Ready!\nLinkedIn. The unsung hero of the social media world.\nWhen it comes to your business, LinkedIn has got your back, but with changes coming, what does that mean for your business?\nWhy LinkedIn is the cat’s pyjamas\nLoads of business-to-business people love LinkedIn.\nGary Vee, a very successful entrepreneur, is a massive fan of LinkedIn, as indeed we are here at Codebreak.\nIf you’re in business-to-business, it’s a great, free way of connecting with other professionals, be that suppliers, partners, and of course, prospects.\nAt the moment, you can have a great organic reach through LinkedIn too. You don’t have to pay money, unlike Facebook and Twitter.\nThings have to change though\nMicrosoft bought LinkedIn for around $18 billion, so of course, they’re going to want to be getting their money back. In order to do so, they’ve done what most people do when they buy a social media platform, they’ve made it very easy to reach lots of people without needing any money behind it.\nBut that’s how they suck you in. At some point, they’re going to want to monetize it.\nAnd to be honest, we are already at that point where you have to start paying money to really maximise LinkedIn’s effectiveness.\nLinkedIn will very soon be pay-to-play, just like everything else.\nWhy this will actually benefit your business\nThis is a good thing though. Just like Facebook advertising, which is so targeted, that by not paying for it, you’re doing your business a disservice.\nThis is what LinkedIn aims to do. Be paid for but be worth it.\nFor example, you’ll be able to target managing directors between the ages of 25 to 34, in London, in the engineering industry, or whatever it is you’re after.\nAnother good thing about LinkedIn targeting is you can also exclude people, so you can exclude your competitors from seeing your ads.\nYou might not want your competitors seeing what you’re up to. You certainly don’t want them clicking your ads and costing you money either, so that’s a really cool tool.\nTry it. You can thank us later.\nLinkedIn advertising is definitely worth trying if you haven’t used it already, it’s quite intuitive to use and we’ve had great success for ourselves and for other clients by using LinkedIn advertising for lead generation.\nLinkedIn has a lead generation type of ad where you can get someone’s email address, first name and last name, and we use some cool software to automate that process. So, whenever someone does fill in a LinkedIn lead generation ad, they automatically get added to some of our funnels and some of our other ad campaigns.\nBasically, if you’ve got any adverts that are running where the goal is lead generation, and you haven’t got them automated, you’re missing a trick.\nSo, if you’d like to know more about LinkedIn advertising, its benefits and how to automate the\nprocess of data capture, why not hop on to a Discovery Call with us?\nLet's talk results!\nApply for a free Discovery Call\nWhat's a Discovery Call?\nThis is a video call where we break down your business goals and what would need to happen for you to reach them.\nIt's your free strategy session to growing, scaling and protecting your business through Codebreak's Marketing That Sells™ system.\nIf there's a good fit between us, you'll also get an idea of how much you need to invest in order to generate the results you want.\nBecause that's what it's about. Results.\nWho we work with\nTo help people and have fun", "label": "No"}
+{"text": "2018 Solar Messaging Survey\nSEIA commissioned a public opinion poll from Global Strategy Group to identify which arguments are most convincing for the general public to support solar.\nThis quarterly report shows the major market trends in the U.S. solar industry. Get the latest solar data through Q4 2018\nOn December 12, 2018 the New York Department of Public Service released its Whitepaper Regarding Future Value Stack Compensation, Including Avoided Distribution Costs - which addresses the Demand Reduction Value (DRV) and Locational System Relief Value (LSRV) compensation mechanisms, as well as the Market Transition Credit (MTC)/community solar credit.\nEach year, The Solar Foundation releases its National Solar Jobs Census, a report that tracks employment in the U.S. solar industry. It is the most comprehensive analysis of the solar labor market in the United States, and is a critical resource in educating policymakers and the general public about the economic impact of solar energy.", "label": "No"}
+{"text": "[HISTORY: Adopted by the Board of Supervisors of the Township of Franklin (now Council of the Municipality of Murrysville) 10-1-1969 by Ord. No. 41-69. Amendments noted where applicable.]\nAdministration of government — See Ch. 3.\n[Amended 4-22-1980 by Ord. No. 57-80]\nThere is hereby created a Library Board consisting of seven members who are residents of the Municipality of Murrysville and who shall serve without compensation. One member is to be appointed for a term of one year; two members are to be appointed for terms of two years; and two members are to be appointed for terms of three years. All appointments to fill the places of those whose terms expire will be for a term of three years. Appointments shall be made by the Council. Vacancies shall be filled for unexpired terms, and members shall serve until their successors have been appointed.\nThe Library Board shall organize as soon as practicable after appointment by electing a President, a Secretary and a Treasurer from such membership. The Treasurer shall be bonded in an amount and with a surety company acceptable to the Council.\nThe Library Board shall have all the duties, powers and responsibilities prescribed by Act No. 188 of the 1961 Session of the General Assembly, which act is known as \"The Library Code,\" including but not limited to the power to adopt such rules and regulations for its organization, procedure and management of its libraries, as are customary and advisable and consistent with ordinances of the Municipality and the laws of the Commonwealth of Pennsylvania. The Library Board, upon commencement of its duties, shall file a plan for the use of its funds with the State Librarian, and no expenditures other than of an organizational nature shall be made by said Board until such plan is approved by the State Librarian as qualifying for the receipt of state aid.\n[Amended 3-18-1970 by Ord. No. 44-70]\nAs soon as practicable after the organization of the Library Board and the approval of its plan by the State Librarian, where necessary, it shall maintain a separate depository for all monetary transactions and of which it shall have exclusive control. The Library Board shall make a report yearly to the Council of the Municipality of Murrysville of all moneys received and the disposition thereof, and the accounts of the Treasurer of the Library Board shall be subject to audit as in the case of other municipal expenditures.\nThe annual report required by the last preceding section shall contain an itemized statement of all receipts from whatever source and expenditures and shall show the condition of the library and any branches thereof; the number of volumes, maps, pamphlets and other materials; the number added by purchase, gift or otherwise; the number lost or withdrawn; the number of registered borrowers and readers; and a statement of the circulation of material, with such other information and suggestions as may seem desirable. A copy of each report made to the municipal officers shall be sent to the State Library in Harrisburg.\nThe Mayor and Chief Administrator of the Council of the Municipality of Murrysville are hereby authorized and directed to accept, where tendered, a transfer and conveyance of all assets of any public library existing within the Municipality, including books, fixtures, furniture and the like to the end that the same become and thereafter are assets of the Municipality.\nRetention of library property after notice to return. Whoever retains any book, pamphlet, magazine, newspaper, manuscript, map or other property belonging in or to or on deposit with the State Library or any local library which is established or maintained under any law of this commonwealth or the library of any university, college or educational institution chartered by the commonwealth or the library of any public school or any branch reading room, deposit station or agency operated in connection therewith for a period exceeding 30 days after such library has given written notice to return the same shall, upon conviction in summary proceedings, be sentenced to pay a fine of not more than $25 to be paid over by the District Justice imposing such fine to the library instituting the prosecution and costs of prosecution. Any person in default of payment of such fine and costs shall undergo imprisonment in the county jail for a period not exceeding 10 days. Such notice may be given by personal service upon the borrower or by the mailing of a registered or certified letter, with return receipt, to the borrower's address on file with said library. The notice shall refer to the Act of June 14, 1961, P.L. 324, Article IV, Paragraph 426, of the Commonwealth of Pennsylvania and shall contain a demand that the property be returned.\n[Amended 12-16-1991 by Ord. No. 305-91]\nDamaging library property. Anyone who shall willfully cut, mutilate, mark or otherwise injure any book, pamphlet, magazine, newspaper, manuscript, map or other property belonging in or to or on deposit with the State Library or any local library which is established or maintained under any law of this commonwealth or the library of any university, college or educational institution chartered by the commonwealth or the library of any public school or any branch reading room, deposit station or agency operated in connection therewith shall be deemed to be guilty of a misdemeanor and may be prosecuted for said offense before any court of competent jurisdiction and, upon conviction thereof, shall be liable to pay a fine of not more than $25 and costs of prosecution or to undergo imprisonment in the county jail for a period not exceeding 15 days, or both, at the discretion of the court, said fine, when collected, to be for the use of the library against which the aforesaid offense was committed.\nIt is the intent of the Council of the Municipality of Murrysville to implement to the fullest extent the Library Code of the Commonwealth of Pennsylvania to the end that there may be established such a library or system of libraries within the Municipality of Murrysville as described in said Act of Assembly.", "label": "No"}
+{"text": "Manage and grow your Building Material business on the go! Shop Building Materials Online: Cement l Steel l Bricksl Plumbing lSanitaryware Grow and manage your selling business on Amazon with the Amazon Seller app. Learn Business skills, Marketing, Productivity, Technology & more from experts Grow and manage your business on the go with Seller Center App An useful guide on Business Sales Training Small Business Startup connects you with hundreds of real business opportunities Take your Etsy shop to new places with Sell on Etsy. We found the best businesses for you - national brands looking for local owners Join millions and manage your business on Google Buy and sell building materials in your city, anytime, anywhere and it's free! Building an Online Business using our 12-point checklist.\nDownload today. India's best B2B Marketplace & Business App : Search Products, Buyers & Sellers Create and manage your online business with Shopmatic Go in less than 2 minutes. Buy and sell between Muslims near you. Buy a business for sale near you - it's easy with the Businesses For Sale app! Service pros registered to sell services on Amazon can use this app. We are provide the information about direct selling business in India. Best seller ebook on Multi-level Marketing.Learn how easy to become a success. Sell your stuff and shop great local deals on anything from fashion to used cars Deal: Is a marketplace to sell and buy locally.Local offers on a lot of goods Manage your own Business in this fun amazing business game! Boost Ur Business and for Customers to find a great Bargain. Discover the TIPS & STEPS to turn your small website to very OWN GLOBAL BRAND. Start Selling on Elala.in and Become a new generation Lala !! Buy or sell pre-loved and new stuff with people nearby!\nFast, Beautiful, Free. Learn ways to make money online and from home and become financially free! Start your business on your phone. Then hustle to that cha-ching ?? If you want the rare ability to make sales \"at will\" then this will show you how ??Free Business App to find Verified Sellers, Resellers, Wholesalers & Retailers Buy and Sell your Car or accessories in a dedicated market Buy and sell your Pet or accessories in a market dedicated only to this How To Make Money With Alibaba Tutorial?\nStart To Make Money With Alibaba Now! PackSell Brightness Dimmer Pro (No Ads) Simple, Local, Secure. Deals on Clothes, Tech & More. Shop the Best Brands. Sell Items & Save on the Go Create business apps with few taps Starting an online business and be in charge of your own destiny. B2B trade app for global trade service, sourcing Chinese products and suppliers Business Free CRM & Sales Tracker to Followup & Manage Clients, Leads & Sales Your mobile marketplace to Sell & Buy.\nThousands of Bts v And Jimin Wallpaper products everyday! Logo Maker Free new Logo Creator Generator Logo Designer Icon Maker Cover Poster Mscrapper | Sell Scrap Online | Online Kabadiwala | Online Scrap Dealer | Waste start a business and enjoy prosperous life with this How to start business app All-in-one E-commerce, Marketing and Advertising solution for Businesses on FB. Free Tips for Mercari Selling Things 8 Red-Hot Small Business Marketing Strategies.\nGrow your entrepreneur spirit. Manage and grow your business on Jumia directly from our mobile application! Learn about managerial skills, leadership, consultancy and business planning. World’s Largest Sneaker Marketplace. Turn Your Closet Into Cash. Fast & Easy. Borrowing, selling, buying, accounting for balance merchandise,& many features SellerMobile provides a powerful Mobile APP for Marketplace Sellers. Safely buy and sell secondhand stuff locally with trusted and verified members. Best startup ideas, free startup guide, ideas for entrepreneurs, business ideas. India’s first online livestock trading platform Our app was created to keep you up to date with what is happening at TBMC. Ultimate Amazon Marketplace Learning.\nBeginners to Advance Guide. Connect with Largest B2B Business Network, Buy-Sell & Grow Your Business Faster! The best guide, tips and tricks to build a business on Amazon! Learn Online Marketing Tutorial Step by Step. BookStop is a free to use marketplace to buy and sell books locally. Say ‘Hello’ to your virtual guide to eBay Open ‘18! DogsMart is the worlds 1st only app which deals with sale and buy of dogs online Business ideas app based on business questions from 100,000+ entrepreneurs. The first ecosystem built for the construction industry.\nBecause we deserve it! Selling FREE Classifieds the optimum place to BUY and SELL online.Post FREE ad! Business Plans and Business Ideas for the \"Entrepreneur Mindset\" Important Elements of a Business Plan WholesaleBox is a marketplace for wholesale buying and selling worldwide E-commerce for Small Business Buy and Sell Local deals. Find Jobs & More, free ads Classifieds in india. Naija Seller Android App Available Now Buy and Sell your Bike or accessories in a dedicated market Classified for Birds Buy & sell games, skins, gift cards, movies, and digital gaming items Free Classifieds app you can buy sell trade exchange rent or find anything. The ultimate automotive marketplace is now in your hands. Buy Sell Now is the local marketplace app for the UK. Business Management - Learn how to make a business succeed. 88,000+ business definitions from financial and legal dictionaries, plus offline An application to sellers in real time make price changes and stock availibility VINTAG is the only mobile social shopping app dedicated to the world of Vintage KhetBazar - Agriculture Buy & Sell Marketplace Amazon Rank checker, Amazon rank tracker free, Amazon ASIN Tracker,Price Tracker 5miles isn't just a buying selling app.\nIt’s a way to become a better neighbor. Sales Assist: Sales Order,Tax, Purchase Order,Catalogue,Inventory,Business Buildertrend enables users to manage their construction business from any device Run startup company in mobile games business Carousell: Sell in a Snap. Buy with a Chat. And it's free! Sale of natural hair, sale of tools for hair extensions. View your Amazon Seller sales and inventory in close to real time. Post free ads, Buy, Sell, Rent from Leading Classified Sites like olx,quikr etc. Comprehensive Business and Marketing Learning Selling on BulknMore is easy and absolutely free. Simplest way to buy and sell a car.\nWorldwide! #1 Online Classified Application to find leading Classified Websites in India Sulit.PH APP faster and easier to use. Buy, Sell and Shop in our Marketplace! Google *Top Developer*. #1 invoice maker for 10+ yrs. Invoice and accept payment A free and essential app for anyone selling with Speadshirt. I Have Used This Method for 2 Years and It Has Always Earned Me an Income Online Discover the simplest & smartest way to run your online business. This App mainly for to introduce Small Scale Business ideas with low investments Sale Price helps you price your eBay items to get the profit margin you need. Now you can calculate your profit on any product with this simple Calculator. Create a beautiful digital product showcase and share on WhatsApp to boost sales Small business accounting: Warehouse, Cashflow, Expenses, Orders,POS.\nBookkeeper Sell online & on your social networks. Sell grocery online.Slick groceries app for selling fruits and vegetables online Business English Words, Business English Vocabulary ? THE marketplace for farming machinery, used machines & farm supplies ? Manage and create Facebook Ads on the go. Get inventory notifications, view manifests, buy or bid wholesale lots Shop our global marketplace of handmade, vintage and creative goods Simple way to manage goods in a small shop, warehouse or home inventory storage The easiest and fastest way to buy and sell recyclable plastics globally Sell Old or Used Mobiles, Tablets, Laptops and Other Gadgets in 60* Seconds. India’s no.1 Property App: Buy, Rent & Sell - Flats, Houses, Plots, PG & Shops Automatically take the perfect product picture Price list maker for shopkeepers and service providers Buy & sell footwear in bulk with ShoeKonnect app.\nExplore your business with us. Create your smartphone! Platform for female entrepreneurs and women in business create affiliate store on worlddazzle and earn up to 10% commission on sales Buying & selling app for used item. Classifieds app for all local buy sell needs Buy and Sell your Vintage stuff in a dedicated market Business, Inventory, Online Distribution solution, solution for Sales Team Get Prices for your Toys with Sell My Toys! Make Your Business Name App on Google Play Store & Sell from Your App. Scan any item with a barcode and see your potential Amazon profit in seconds. Foundation Building Materials The NEAT way to calculate your eBay Fees and profit. Welcome to Trendy Ideas Marketplace.\nBuy and sell anything, everything. The Best All-in-One Amazon Seller Tool Set to Boost your Business Real Estate at Your Fingertips – New Projects, Homes, Apartments. Buy|Rent|Sell Become a real estate tycoon by flipping houses. 'Snapdeal Seller Zone' India's first mobile managed marketplace app for sellers. We love local ??????- free to list and no buying fees! Global Supplier Network ; GSN ; Buyers ; Shipping ; Chatting ; Job Vacancies Install business building lock theme to enjoy new theme Swappa, the best marketplace for used technology.\nnow on your phone! Quickly calculate the retail price of handmade products based on costs & time. Manage your booth, transactions and b-mails with the Bonanza Sellers mobile app. Estimates, invoices, payments, clients, all on-the-go. Save time, win more jobs! The free app for Sales and Marketing training for everyone from everywhere Marketplace is mobile app for buy apps, source code and order our services. Learn Business Administration in Economic, Finance, and Accounting The best app for your business is the one which saves your time & money without Collection of Shop house Designs\nSafely buy and sell secondhand stuff locally with trusted and verified members. Best startup ideas, free startup guide, ideas for entrepreneurs, business ideas. India’s first online livestock trading platform\nPERANGKAT GURU AGAMA KATOLIK Aplikasi untuk tes IQ dan kemampuan logika anda About UKG 2017-2018 collection Newest and Most Complete The most complete Mathematical Formula for elementary, middle and high schoolEasy, Fast, Practical Turkish Literature Grade 10 subjects have been prepared as a practical lesson notes Educational application for children in grade 3 elementary school PAI Books For Elementary School Grade 4 This educational app contains 10 chapters of lessons along with Bts v And Jimin Wallpaper questions and Bro Dobrey.", "label": "No"}
+{"text": "Save big money on Bottoms online coupons, promo codes and discounts below.\nJust click the coupon below to get the offer with low prices, open the site then enter the code during the store's checkout process. It's simple!\nTop Bottoms Coupons And Deals\nSelect Nike KD 8 \"BHM\" size options are 50% OFF retail at $99.95 (use code for cheap ship…", "label": "No"}
+{"text": "Founded in 1975 in the basement of the Shah family’s Fort Wayne, Ind., home, MSI began as an importer of rough-block granite. Today, the company has grown into a multi-category flooring supplier with over $2 billion in annual revenue with additional expansion on the horizon.\nIn a nutshell, the company sources the globe for its products, and through its 30-plus distribution centers across the U.S. and Canada, aims to deliver them when, where and how its customers need them. Its state-of-the-art information system forecasts customer demand and manages inventory levels to ensure all products and services are provided on time.\nThe company’s ascension to the powerhouse it is today—while more than doubling in the last five years—has been incremental since its founding. After 10 years of steady progress, MSI hit a turning point in 1984, when the business outgrew its Fort Wayne roots. The decision was made to move to California, where it remains headquartered today. “What [my parents] really saw was an opportunity to bring natural stone to the middle class,” said Raj Shah, president.\nIn 1988, the company got its first warehouse in Santa Fe Springs, Calif., and the business continued to expand into adjacent categories such as marble and natural slate. In 2008, MSI entered the man-made business with the addition of porcelain and ceramic tile flooring and quartz countertops. Recently, the company has expanded most notably into the booming resilient category with a full lineup of both flexible and rigid core product lines. It has also just begun to tip its toe into the laminate and hardwood categories.\nOverall, MSI imports more than 65,000 containers per year and manages hundreds of millions of square feet of stock.\nFCNews sat down with Shah to get an update on the company’s progress. Following are excerpts of that discussion.\nWhat would you say your competitive advantage is vs. your competition?\nI think there are a couple of things. Generally speaking, we don’t manufacture our product. We’re not tied to what our factory makes. A lot of [tile] factories only make 12 x 24 sizes; some factories only make polished, some rectified. We’re not tied to any one of those. We look at what the consumer wants, and we work backward from there. So, we can bring the product consumers want.\nNo. 2, price. I think a lot of people in our industry are trying to find ways to make the product more expensive, whether that’s through branding, packaging, etc. Our goal is to make this more and more affordable and accessible to more and more consumers because we really believe the money is where the mass is. That doesn’t mean our retail customers make less money. We want that chain to make more money. That’s where the trick is. We’re working every day to engineer processes to make that happen.\nNext, MSI is affordable and accessible. We have this nationwide network of warehouses. We have our own delivery trucks, and we add a lot of information services. If you ask my dad, he’ll tell you we’re not really in the business of tile and stone and flooring. We’re in the business of information. Our goal has always been to make it easy and painless for a retailer to transact with us. We want to give the retailer all the information they need to close the customer when she’s in the shop. And we’re helping produce the pull. Whether it’s marketing, our visualization tools or our dealer locator, we’re helping produce the pull for the retailer. As a retailer, you automatically get some sales just by having our product on your shelf.\nDoes MSI inventory everything it sells?\nWe do inventory everything we sell. We’re not a special-order house or a high-lead-time house. A big piece of that is the value proposal. We do have hundreds of millions of square feet in stock.\nEvery warehouse that you have has a showroom, too?\nThat’s correct. Mr. and Mrs. Jones can walk in. But, they can’t buy product. It’s really a showroom for our retailers. Our retailer customers send their customers here knowing we will not sell underneath them or around them. Yes, Mr. and Mrs. Jones can walk in, they’ll be asked who their fabricator or retailer is and if they don’t have one, we say, “You’re welcome to walk around, we’ll write down what you like and then we’ll find a retailer for you to buy it from.”\nAny plans to manufacture your own SPC in the U.S. one day?\nWe continue to look at that and learn more each day. Just because of our business model, we would never say no, but it’s just a little bit tougher to add value because we’re not necessarily bringing our sourcing expertise to it. Our job is to hedge some of the uncertainty for retailers—whether that’s lead time, pricing, shipping—and our inventory is their hedge against uncertainty.\nWhat are the differentiation points with your LVT/SPC?\nThe true differentiation goes back to affordability and accessibility, and we feel like our products are a lot more on trend. Luckily, we have a broad base of products and we can interchange trends. We are able to see trends across the board and our sourcing, product and trend teams are very focused on looking at our own portfolio and seeing what is working in a particular segment. If it’s working, let’s spread it. If it’s not working, let’s understand why it’s not.\nBiggest obstacle to growth right now?\nSupply and manpower are probably the biggest issues. Demand is not a problem today, and I don’t foresee demand being a problem for the next 24/36 months, if ever. The government’s about to print $2 trillion of money. The No. 1 place that goes is to pay down debt; the No. 2 place is home improvement. I do see supply and inflation being a big problem across the board. I think the real value of money will fall, whether that’s inflation or the dollar losing its value. Generally speaking, wages will go up, but prices will also rise in conjunction. Real wages may decrease, and I do see that as a problem over the next few years.\nLet’s talk about last year—pandemic year. How was business? Did you do anything differently to continue to grow the business?\nWe did a lot differently, and we learned a lot over time. If you go back to March of last year, just like everyone else, we were very scared. Our projection was very Draconian, and we really buckled down. So, the first four to 12 weeks of this was a demand problem, and we went back to our playbook from 2008—let’s go get market share. The great thing about this industry is nobody has huge market share; even if the industry shrinks, there’s a lot of market share to take and to help our retail customers take.\nBut by August, the No. 1 thing we were hearing about was fulfillment rates in the industry. It wasn’t, “Hey, we have nobody walking in the door.” It was, “We have no inventory. Who can help us get inventory?” This was the first time, at least since I can remember, that it was a major supply issue across the board. We really had to focus in on the supply side. That became our No. 1 focus—to help our retailer. That is where one of the advantages of MSI came into play—our quick and fast adaptability to changes in the marketplace. It was the speed of change that our team really knew how to take advantage of. And it’s because we have this worldwide network of supply that we were able to move quickly and help our retail customers.\nThe other thing we did is spend a lot of time on our own employee base. We put into place a lot of benefits we hadn’t had before. We never cut pay; we upped bonuses; we gave significant raises. We gave laptop computers to all of our hourly employees because what we realized was that schooling was happening from home and a lot of families weren’t equipped to handle that. We started free tutoring services to all our employees’ kids and that allowed their parents to really focus on work. We weren’t going to let our employees, or their children, be hurt because of what was going on. That was important to us. We’re coming up on 2,000 laptops for MSI. And we’ve donated a lot more to the community at large.\nWhat’s on the horizon for this company?\nThere’s no lack of opportunity and challenges over the next year or three or five for this company. In flooring, we’ve entered the laminate and wood categories. That’s the next thing. It’s almost an extension of LVT—it’s the same customer base and, in some ways, the same vendor base. Trend and product selection are also very similar. That will expand.\nWe’re also going to continue our distribution strength—opening more warehouses. (We’re at 36. We have nine new ones in the works for the next 12 months, and we’re continuously working to find more.) Real estate is becoming tougher to find and manpower harder to hire. That’s a challenge, but we really want to master the distribution side of it.\nA subset of that is delivery. We want to deliver 90%-plus of our floor covering on our own trucks and really own that last mile to make it even easier for our retail customers to take advantage of the product lines. We have hundreds of trucks now and we’ve made a large investment recently. We’re making a big initiative to deliver most of the flooring, not just tile, on our own trucks.\nOur goal is to grow at double the market rate. Generally speaking, the market for floor covering has been growing at 5%-6% after the Great Recession. Luckily, we’ve been blessed with great products, a great team and great customers.", "label": "No"}
+{"text": "|Most expensive month:||September|\n|Average price in Wittstock/Dosse:||£58/night|\n|Absolute cheapest price found:||£43/night|\n|Most expensive day:||Sunday|\nWittstock/Dosse is home to many highly-rated hotels, one of which is Hotel Falkenhagen, which has a current rating of 8.3. For other potential stays, consider Zur alten Eiche and Hotel & Restaurant Müritzterrasse, which can also be great places to stay in Wittstock/Dosse.\nWittstock/Dosse hotels have an average price of £36/night (based on searches on HotelsCombined in the last 3 days).\nPrices for Wittstock/Dosse hotels have been found for as low as £18/night over the last 3 days.\nWittstock/Dosse hotels start at £73 for tonight; however, the average price of accommodation is about £73. These prices were found on HotelsCombined within the last 72 hours.", "label": "No"}
+{"text": "The Microsoft CSP and SPLA partner licensing programs are designed to address current business challenges and help:\n- purchase licenses for a group of companies or offer licensing services to customers\n- switch to a monthly pay-per-use plan with post-payment and without fixed payments\n- expand the service portfolio\nMicrosoft CSP is a licensing program that allows you to purchase Microsoft cloud products both for your own needs and for resale to your customers. There are two types of CSP contracts.\nFor in-house purposes\nThe CSP T1 channel enables the purchase of licenses and web services of Microsoft used for in-house purposes. This is an ideal offer for both small and large businesses due to the absence of capital expenses and upfront payments for software and IT infrastructure.\nKey benefits of the channel:\n- Flexible resource consumption. Now you can change the number of licenses and web services used daily and pay only for actual consumption.\n- Always the latest software version. Products distributed by subscription is always of the latest version.\n- If you are already using Microsoft software on-premise, evaluate the hybrid infrastructure model and migrate some of your business processes to the cloud, thus significantly reducing the capital expenditures on infrastructure.\n- Trial product versions. Want to test the solution in action? Use the trial period to evaluate all its benefits!\nFor resale to customers\nCSP T2 Channel is a partner channel that allows you to resell Microsoft licenses and web services and provide services based on these products. CSP T2 offers four cloud business models for partners:\n- Resale. With this model, you generate profits reselling Microsoft licenses and web services.\n- The implementation model enables you to provide implementation services for Microsoft products and cloud services. Partner's income is a sum of the partner's discount on licenses and web services and cost of the implementation services.\n- Support is a model that implies a full cycle of work with the client, from sale and implementation of the solution and to further support of its users, their training, and consulting. Monthly IT service fees form the main part of income.\n- Proprietary product. In this model, the partner can develop new products or integrate their proprietary products with Microsoft cloud solutions and deliver this product to customers.\nAll the main Microsoft products are available through the CSP program: Office 365, Azure, Microsoft 365, Windows, Enterprise Mobility Suite (EMS), Dynamics 365, SharePoint, Power BI, Project, Exchange Online, Skype for Business, Visio, OneDrive, etc.\nThe SPLA partner program gives access to the pay-as-you-go billing model, i.e., you pay only for software actually used by end users. As an official SPLA Reseller and the leading partner of Microsoft in Russia, Softline provides comprehensive support for companies wishing to work under the SPLA program.\nSPLA helps you move to the cloud: SPLA partners can provide access to Microsoft software following the Software as a Service (SaaS) and Infrastructure as a Service (IaaS) models.\nAs well as CSP, SPLA has both internal and external use.\nThe first option is for customer use\nThe SPLA Licensing Program is designed to provide services to data centers, telecom operators, internet providers, service providers, system integrators, ISVs, and companies that provide technical support for technology and business centers.\nThe most popular scenarios are:\n- building public and private clouds\n- software rental\n- system integration and IT infrastructure outsourcing\n- database hosting and web hosting\n- development of software based on the Microsoft platform and selling it as a service (SaaS)\n- rental of workstations and servers with pre-installed Microsoft software.\nThe second option is for internal use\nWith SPLA, you can use Microsoft licenses to provide access to IT services for users within your company. This option is available if the services are provided by a service company (an unaffiliated organization).\nOnce you've found a service company and enrolled in the SPLA program, you'll get access to virtually all Microsoft software without any advance payments or upfront investments, with a monthly fee only for the actual number of licenses used.", "label": "No"}
+{"text": "Diamond .75 TCW\nPlease allow 6-8 weeks for delivery\nAll prices are in U.S Dollars\n*For special requests send us an email\nSign up to receive 10% OFF on your first order*+Be the first to receive exclusive offers and updates!*Exclusions may apply\nThanks for Joining!", "label": "No"}
+{"text": "Beautification Committee entry wins award.\nEvery year, the Beautification Committee enters our famous float for our Town’s 4th of July Parade.\nOur Committee and Public Works decorate our Public Works truck with Hanging Baskets and our displays of our different projects throughout the year. Every year our entry has won an award.\nLook for us at the next 4th of July!!!", "label": "No"}
+{"text": "You may be familiar with the song \"Carol of the Bells\" which is based on a Ukrainian tune. The original song used to be sung in April and was a celebration of the coming of spring. Here are the lyrics to the Ukrainian version:\nShchedryk, shchedryk, a shchedrivka [New Year's carol];\nA little swallow flew [into the household]\nand started to twitter,\nto summon the master:\n\"Come out, come out, O master [of the household],\nlook at the sheep pen,\nthere the ewes are nestling\nand the lambkin have been born\nYour goods [livestock] are great,\nyou will have a lot of money, [by selling them]\nif not money, then chaff: [from all the grain you will harvest]\nyou have a dark-eyebrowed [beautiful] wife.\"\nShchedryk, shchedryk, a shchedrivka,\nA little swallow flew.", "label": "No"}
+{"text": "Similarly, What are the benefits of data forecasting?\nThese three benefits of predicting You’ll learn important lessons. By using forecasting, you develop the habit of analyzing historical and current data to forecast future demand. From prior errors, you’ll grow. After each prediction, you don’t have to start from zero. Costs may drop as a result.\nAlso, it is asked, Should I collect as much data of different kinds as possible in forecasting?\n4. Should I gather as much information of many types as I can? Surprisingly, studies show that prediction accuracy might decline when judgemental forecasters are overloaded with information (Armstrong 1985, 100-102.).\nSecondly, What type of data is useful for forecasting?\nStatistical Models These models, as their name implies, are based on quantitative data from your company and industry, such previous orders, inventory levels, interest rates, and stock prices. In order to forecast future data points, these models analyze quantifiable data to find patterns and trends.\nAlso, What is fashion forecasting and why is it important?\nFuture trends are the main focus of the worldwide profession of fashion forecasting. The hues, fabrics, textures, materials, patterns, graphics, accessories, footwear, street style, and other trends that will be shown on the catwalk and in shops for the following seasons are predicted by a fashion forecaster.\nPeople also ask, What are the benefits of forecasting to a business?\nSeven advantages of precise sales forecasting increases your understanding of your consumers. quantifies the state of your company. boosts the study of sales. facilitates ongoing strategic planning. simplifies credit, financing, and cash flow. Sources. Further Resources.\nRelated Questions and Answers\nWhat factors are involved in fashion forecasting?\nStudying market circumstances, taking note of people’s lifestyles, investigating sales figures, analyzing prominent designer collections, scouring fashion magazines, examining street trends, and other activities are all part of fashion forecasting.\nHow do companies predict fashion trends?\nIt takes careful observation and analysis of social and cultural developments to forecast how they will affect fashion over the next several years. Trend forecasters construct a scenario using a combination of instinct, study, and data, which they then convey via writing and mood boards.\nWhat are the important steps that a fashion forecaster must take to know what kind of product a customer wants?\nFirst, list the fundamental information regarding current trends as well as potential future developments. 2. Ascertain the historical reasons of change. 3. Establish the discrepancy between historical predictions and actual customer behavior. 4. Identify the variables that will probably have an impact on future trends.\nHow can you make forecasting more accurate?\nMake accurate, realistic forecasts. Starting From Your Baseline On an accurate foundation, accurate forecasting is constructed. Focus on Important Elements. Concentrate on the most important facts while making forecasts. Create from the ground up. You may either start at the top and work your way down or vice versa when constructing predictions. Be thorough and use quality tools.\nWhich method of forecasting is most widely used?\nStraight-line Approach No. 1 One of the simplest and most straightforward forecasting techniques is the straight-line approach. A financial analyst forecasts future revenue growth using previous data and patterns.\nWhat are the three main approaches for forecasting in business?\nThere are three fundamental methods for predicting sales: the opinion method, which is based on the opinions of experts; the historical method, which is based on prior knowledge and experience; and the market testing method, which is based on surveying and researching the market.\nWhich type of forecasting approach is better qualitative or quantitative?\nIn essence, statistical data are numerical or quantitative. Qualitative data must be converted into quantitative data in order to be used for statistical analysis. Statistics must be predicted quantitatively, not qualitatively. So, it follows that quantitative forecasting is superior than qualitative forecasting.\nWhat are the 5 qualities required by a trend forecaster?\nThe five key competencies you need to anticipate trends. learn the context (world thinking) Make learning your pastime (become a sponge) why and what if questions (reject established beliefs) Work together to innovate (spar with a diverse network) putting the needs of people first (tell a story).\nWhen choosing the best sales forecasting method the most important consideration would be?\nWhat sort of approach your main rival is employing should be the most essential factor when picking the finest sales forecasting strategy. The credibility of your sales staff. the availability, reliability, and stability of the data. Whether you have sales data going back at least ten years.\nWhat is an accurate forecast?\nThe degree to which sales executives correctly anticipate sales is known as forecast accuracy (in both the long and short term). Making important choices regarding short-term expenditures and agreements for key clients requires accurate sales predictions.\nWhat is the impact of forecasting?\nDelivery success has a positive correlation with how much forecasts are used in decision-making. The effectiveness of the cost prediction is significantly impacted by interactions between the forecasting factors. The performance of the delivery has a considerable influence on interactions between the forecasting factors.\nHow do you develop a fashion forecasting enlist steps for the same briefly?\nSeven Steps for Making a Forecast Determine the fundamental details of historical patterns and predictions. Identify the historical reasons of change. Analyze the variance between previous predictions and actual behaviour. Determine the elements that might have an impact on trends in the future.\nWhat is market research in fashion forecasting?\nFashion forecasters often do market research using customer surveys to make sure their products are marketable. Forecasters may more accurately assess the market for fashion purchasers by directly asking customers what they would buy, how much they would spend, and where they search for fashion direction.\nWhat are services provided by fashion forecasting companies?\nvogue trend The ability of forecasting organizations to anticipate future trends extends beyond just identifying the colors and materials that will be in vogue in the following two years. In order to understand consumers’ current beliefs and future wishes, forecasters often look into their lives and purchasing patterns.\nCan data predict fashion trends?\nNobody can actually identify or foretell trends, according to WGSN co-founder Marc Worth, who sold the company to launch a competing service. Forecasters’ claims of up to 80% accuracy come from the fact that their forecasts often come true.\nWhy do fashion designers use trend forecasting?\nFashion designers and retailers may use the forecasts to make informed decisions about their collections and merchandising by knowing what will be in style in the future. The goal of fashion trend forecasting is to tell a narrative with the use of forms, design components, colors, materials, and trimmings.\nWhy are trends important in fashion?\nYou are in step with others when you wear the newest fashion trends. Sensation current and compatible with the contemporary world is a wonderful feeling. Following the most recent fashion trends can help you achieve your goal as effectively as possible since everyone wants to seem attractive and fashionable.\nHow accurate are company forecasts?\nWe found that salespeople spend roughly 2.5 hours per week on sales forecasting, and for the majority of businesses, the predictions are less than 75% accurate, based on an analysis of more than 200 organizations. These estimates are completely useless when success or failure is often determined by margins much lower than 25%.\nWhat factors can influence the accuracy of a forecast?\nThe top ten outside variables that affect forecast quality Consumer Attitude. Available Money. Market for residential real estate. Gas and oil prices. Wages and the labor market. weather data The dollar’s strength. Costs of raw materials.\nWhich forecasting technique would you consider the most accurate Why?\nThe weighted moving average is the most accurate option out of the four (simple moving average, weighted moving average, exponential smoothing, and single regression analysis), since it allows for the placement of individual weights in line with their relative significance.\nWhich of the forecasting technique is the fastest?\nWhich method of predicting is the quickest? models for B.flow Analysis of C. ratio trends Demand projection for DHL Answer» Analyzing ratio trends another row\nWhat do you think is the easiest forecasting methods Why site examples?\nOne of the simplest methods to use is straight-line forecasting; it just needs a basic understanding of arithmetic and offers accurate projections of what firms might expect in hypothetical future financial situations. Straight-line forecasting is often used by businesses that anticipate future revenue growth.\nHow do companies use forecasting?\nBusinesses utilize forecasting to assist them in creating their business plans. In order to find trends, historical data is gathered and examined. Today’s corporate forecasting techniques have been revolutionized by big data and artificial intelligence. A business forecast may be created using a variety of techniques.\nWhy forecast should be reliable?\nA company that has a reliable sales forecast may efficiently prepare for the future of its finances. Because you are aware of your incoming income and cash flow, your company can make smarter business choices.\nThe “what are the demands of the fashion industry” is a question that has been asked many times. The answer to this question is that there are many different demands in the fashion industry. Some of these demands include forecasting data, and having access to the same data as other companies.\nThis Video Should Help:\n- sales forecasting in apparel and fashion industry: a review\n- global implications and need for the fashion industry\n- zara demand forecasting\n- demand forecasting in fashion industry\n- what is the demand for clothing", "label": "No"}
+{"text": "L'ÉTOILE DU COIN / Ô LOFT DU P'TIT GRENIER\nThis nomadic-style cottage is set in the heart of the picturesque village of Piopolis. It was recently refurbished to give visitors a serene experience, combining rest, relaxation, and nature. Includes central air conditioning, fireplace and a hot tub.\nOpen year round\nMaximum for the least expensive unit", "label": "No"}
+{"text": "Choosing a Buyer’s Agent in Cobb County\nIf you’re looking to buy a home in Cobb county, you need the services of a qualified buyer’s agent. Whether you’re an experienced real estate investor, first-time home buyer or someone who’s looking to purchase a property for a business, a buyer’s agent cobb county can help guide you through the process and find the right home.\nWhat is an agent of the seller relationship?\nA buyer’s agent is a real estate professional who works exclusively on behalf of buyers. They search for, scope out and evaluate properties, negotiate and bid on properties, and provide expert guidance and advice throughout the buying process.\nWhat are the Responsibilities of a Buyer’s Agent?\nA Buyer’s agent is required to carry out all their duties in a fiduciary capacity. These responsibilities include undivided loyalty, obedience, diligence, disclosure, confidentiality and reasonable skill and care.\nWhat Are the Best Ways to Find a Buyer’s Agent?\nThe best way to find a qualified buyer’s agent is to ask for referrals from friends and family. You can also contact local realtors to see if they have any recommendations for you.\nWho Pays Your Buyer’s Agent?\nA buyer’s agent will usually be paid out of the sales price of your home at closing. This is different from a real estate broker who is paid out of the commission that is collected when you sell your home.\nWhat to Look for in a Buyer’s Agent\nIt’s important to choose a buyer’s agent who has extensive experience working with clients like you. Be sure to ask about their background, if they work full or part-time and what kinds of homes they typically help buyers find in the area. You should also inquire about their commission fees and if they offer buyer’s representation in foreclosure, short sale or other unique transactions.", "label": "No"}
+{"text": "WHO YOU WORK WITH MATTERS!\nBuying or selling a home is one of the most important things you will ever do, and Summer wants to help make that experience as smooth and successful as possible. Her extensive experience and expertise in the Santa Barbara, Goleta, Montecito and Carpinteria real estate market will benefit you whether you are looking to buy or sell a home in the area. As a 4th generation local to Santa Barbara, Summer has built her real estate success on superior service and personal attention to every client. Her integrity and work ethic as a Realtor enable her to deliver a level of service that is remarkable in today’s market. Plus using state-of-the-art technology, she ensures that client’s properties get the exposure they deserve.\nSummer is privileged to work with Sun Coast Real Estate, a local boutique firm started by two top agents previously with Re/Max.\nSummer attended local schools before moving on to SB City College and then graduating from UC Santa Barbara with a BA in Business Economics. She also helped her husband open a successful local franchise, Budget Blinds of Santa Barbara, in 1997 before getting her real estate license in 2003.\nIn addition to her impressive real estate career, Summer is active in community affairs and charitable organizations. Summer currently serves on the Supervisory Committee for Santa Barbara County Federal Credit Union and serves on the Board of Directors for the Mountain View School Foundation, previously on the Executive Board of the Mountain View School PTA as the Treasurer/Auditor and volunteers time teaching others about the Bible.\nSummer and her husband love raising their family in beautiful Santa Barbara! Whether it’s hiking, going to the beach or biking with their kids, Santa Barbara has so much to offer her active family. Energetic and athletic, she also enjoys running, skiing, camping and traveling. Although she also loves to enjoy a good book by the pool!\n“People see me as a strong, smart and caring” says Summer. “Which is what you want in a Realtor, but more importantly sets an example for my daughters as they grow.”\nWhether it’s challenging markets, special circumstances or your specific and unique needs, you can be assured Summer knows how to help you effectively achieve your real estate goals.\n|office||805 886 1261805 886 1261|\n|mobile||805 886 1261805 886 1261|\n|address||3112 State St.|\nSanta Barbara, CA 93105\n|state license #||CA BRE #01377264|\n- Sun Coast Real Estate\n- 3112 State St.\nSanta Barbara, CA 93105\nSummer made our real estate transaction a breeze. Her in-depth knowledge of the real estate market landed us the home of our dreams! I would highly suggest Summer to anyone looking to sell or buy, and we look forward to working with her in the future.\nI have purchased a number of properties in multiple states. Summer Knight is by the the finest agent I have ever dealt with. She has a comprehensive understanding of the local real estate market. She was able to guide us through the process of selecting the… (more)\nWe contacted Summer through a Zillow ad And were not disappointed. She demonstrated skill during the negotiations; was able to work with the selling agent to get the best possible price under current market conditions. During escrow she was ALWAYS available… (more)", "label": "No"}
+{"text": "We stock a small range of local produced gift cards to go with your gift. We have a range of seasonal cards as well.\nCreate an account with us and you'll be able to:\nFill in your email below to request a new password. An email will be sent to the address below containing a link to verify your email address.", "label": "No"}
+{"text": "Forget screen time when you’ve got this fantastic Do-It-Yourself Jewelry Box Kit to keep those girls having fun for hours! The Mosaic Sticker Craft Set is only $12.99 and comes with 3 templates in the shape of a Castle, Unicorn, Flowers.\nKeep in mind, Amazon pricing can change at any time! Don’t wait to purchase this deal or it might be gone when you come back! This item will ship free for all Amazon Prime members. Or, regular members can score free shipping by adding $25 or more worth of eligible items to your cart. You can get a 30-day free trial of Amazon Prime here.", "label": "No"}
+{"text": "Mannarino gets largest ever Canadian SME offset deal from Lockheed\nMannarino Systems & Software, Inc. has announced that it has signed an Investment Framework Agreement under the Industrial and Technological Benefits (ITB) Policy with Lockheed Martin, which represents the largest investment ever made by Lockheed Martin into a Canadian Small and Medium-Sized Enterprise (SME). This agreement enables Mannarino to develop and commercialize its own proprietary airborne software products and will complement Mannarino’s existing airborne engineering and certification services offering.\nApril 3, 2017 By Mannarino\nThe offset investment behind Lockheed Martin’s framework investment is in direct support of Industrial and Technological Benefits (ITB) obligations associated with Canada’s purchase and In-Service Support maintenance, and support of 17 CC-130J Super Hercules aircraft, which were delivered to the Royal Canadian Air Force in 2010.\n“Mannarino’s investment agreements with Lockheed Martin have been a key factor in our steady growth. Mannarino has always been recognized for its professionalism and expertise as a world-class engineering services company. This particular investment will be the springboard that propels our company into the airborne software products business. Our decision to diversify the company offering was based on the feedback received from our existing customers on their current and future program requirements. We will keep the industry apprised of our product ventures throughout the various phases of the evolution of our products and welcome continued input from customers on their software product needs” said John Mannarino, president and founder of Mannarino Systems & Software.\nThis important and groundbreaking investment by Lockheed Martin into Mannarino will result in job creation of 20-plus engineering R&D positions, as well as new jobs in product commercialization, all at Mannarino’s offices in Montreal.\n“We are very pleased to see our Investment Framework grant going to such a solid small and medium enterprise as Mannarino,” said Charles Bouchard, chief executive of Lockheed Martin Canada. “We have been impressed by Mannarino’s track record as an engineering services firm in the development and certification of software products that are globally competitive and are proud to support such an innovative organization. The success of this framework investment is an example of how large international aerospace companies such as Lockheed Martin can collaborate with smaller businesses in Canada to create opportunities for lasting growth in the Canadian economy.”\n- Bombardier’s Beaudoin forfeits pay increase in 2016\n- Boeing 737 MAX to join MIAT Mongolian Airlines fleet", "label": "No"}
+{"text": "News Releases and Op-Eds\nLatest Releases >>\nBCBC applauds PNW LNG Decision\nThe Business Council of British Columbia welcomes today’s approval of the $11.4 billion Pacific Northwest LNG processing plant by the Federal Government, which comes after a thorough environmental assessment process.\n“This decision paves the way for Canada to compete in the international LNG market while continuing our climate leadership on a global scale,” stated Greg D’Avignon, President and CEO, Business Council of British Columbia. “We have an opportunity to facilitate the transition to lower carbon economies both at home and abroad by extracting and transporting natural gas under world-class, science-based environmental and safety standards to meet growing global demand.”\n“The strength of Canada’s economy depends on our ability to export goods to global markets, particularly energy products which represent 10 percent of Canada’s GDP,” said Jock Finlayson, Executive Vice President and Chief Policy Officer, Business Council of British Columbia. “Today’s conditional approval is in the national interest and opens the door for up to $36 billion in total project investment, which, if finalized, will result in a significant boost to the BC and Canadian economies at a time when Canada’s economic performance is lagging.”\n“This project has the potential to deliver economic benefits across the country, but particularly in the First Nations communities surrounding the project where meaningful partnerships will support economic reconciliation and lift the social and economic prosperity of First Nations peoples,” said D’Avignon.\nWhile the Business Council will continue to advocate for clear, transparent decision making processes, today’s conditional approval sends a positive signal to global capital markets that Canada is open to opportunity and major investments.\nAbout the Business Council of British Columbia\nCelebrating its 50th year as the preeminent business organization in the province, the Council has a strong history of providing relevant public policy research and advice on issues to enhance BC’s competitiveness. Since its inception with founding Chair, JE Richardson, then CEO of BC Telephone Company, the Council has been fortunate to have as members major employers from across all sectors in BC’s economy who have played meaningful roles in building British Columbia.\nToday, the Council is a source for insight on the BC and Canadian economies and how international trends and domestic policies are impacting our ability to compete in a global economy. Priority areas of focus include: environmental sustainability policies, economic reconciliation with First Nations, innovation, building a competitive tax and regulatory regime, supporting trade and market access, and the development and the attraction of a deep and diverse talent pool.", "label": "No"}
+{"text": "Dear Members of BWRSL\nWe are pleased to announce an exciting new referral sponsorship program with Burlington Orthotic Centre & Burlington Therapy & Performance Clinic owned by one of our members,Fareen Samji.\nThey will offer 10% of the gross sale of the purchase of custom orthotics, compression socks, and knee and ankle braces back to the league.\nTo qualify : you MUST mention BWRSL when booking your appointment. This program is open to players, families, friends and co - workers. They just have to mention BWRSL.\nBenefit: most extended health care plans cover the cost of custom made orthotics, braces and compression socks which cost approx $500 ( orthotics ) $1800 ( custom knee brace ) , and $125 ( compression socks ) . For each sale the league would receive between $12-$180 in the form of sponsorship dollars which would help offset the cost of fields and ref's with the ultimate aim of reducing the registration fees for all players. Please take advantage of this program and pass it along to your family, friends and co- workers.\nBenefit - the member is out of pocket $0 because usually your extended health care plans covers the cost of these goods. It 's a mutually beneficial situation all around.\nNote: they make custom orthotics for soccer shoes, and compression socks are very beneficial in treating shin splints.\nPlease call 905.331.4391 to book your appointment or email Far at [email protected]\nPlease take advantage of this great opportunity to stay healthy and injury free so we can enjoy another great season of soccer!", "label": "No"}
+{"text": "|Shop||Info||Retailer notes||User rating||Price||Stock status||Inc. shipping||Link to shop||Description|\nOffers from 2 shops, including 1 paying shops.\nWe aim to list all offers available on the market.\n|Display used products|\nBiggest stock seller in NZ\nCellphone, Cases and Sim Cards\nNZ Dealer, Wholsaler\n|(15 user reviews)||$239.00||Visit shop|\n|i||Rate this shop!||$369.00||\nNokia Lumia 1320 Black", "label": "No"}
+{"text": "Lanka IOC is moving closer to entering the Indonesian lubricant market. After exploring opportunities on the sprawling archipelago for the past year, the Sri Lankan company now anticipates beginning to export to Indonesia by the end of 2016, a spokesman confirmed today.\nThe plans were first reported last week by Lanka Business Online.\nA subsidiary of India public sector utility Indian Oil Corp. Ltd., Lanka IOC is the largest lubricant supplier in Sri Lanka with a 17 percent market share. The company has been trying to grow its lubricant business both by increasing sales domestically and by finding new export markets.\nLanka IOC is one of three companies licensed to manufacture lubricants on Sri Lanka and one of 13 marketers licensed to sell lubes there.\nAccording to the Lanka Business Online article, Lanka IOC recently began exporting to the Maldives. Indonesia would offer much greater sales opportunity as it is one of the 15 largest lubricant markets in the world.", "label": "No"}
+{"text": "Are you a Business Owner?\nSet up your Private Seller Account and create your listing todayGet Started Here\nLocated in an affluent suburb on the North Shore, an ideal opportunity now exists for a new owner to take over and reap the benefits! The current owner has run this business for the last 16 years and has built a strong reputation. The owner has now finally decided to retire and sell this business which is on the market for the first time. There is great potential for the right buyer to grow this business.\nThis is a nice and spacious Shop trading 7 days a week. We are advised by the owners that current weekly sales are $19,000/$20,000 approx. with the added bonus of Lotto sales of $7,000/$8,000 approx. per week.\nThis would be a great opportunity for an enthusiastic individual with a strong retail or customer service background, looking for an entry point to business ownership.\nPriced at $495,000 plus stock.\nPlease Call Dilip Tailor on ------\n* $495,000 Plus Stock\nIf you own a business and are considering selling, visit our Sell a Business section. Limited Free Trial available.Sell Your Business", "label": "No"}
+{"text": "Matheson’s Provides Professional Corporate Moving Services Throughout Forty Fort, PA.\nDowntime is money lost for your company. With Matheson Transfer, our process-oriented movers can provide you with and efficient, full-service corporate moving solution. Let us handle all of the details of your corporate moving from pre move planning, packing, moving, unpacking and even insulation. With Matheson Transfers’ team of corporate moving professionals, you will have a trained team of movers capable of relocating your business. We have over 70 years of office moving experience, no move is too big or too small for our expert staff. At Matheson Transfer we will handle all of the details and everything that needs moved. From computers and printers, to all sizes and types of office furniture, we are your complete choice. If you are also looking to relocate employees with your office moving Matheson Transfer also offers corporate relocations services for businesses and employees. With our full range of corporate moving services, employee relocation services and equipment moving services look no further than Matheson transfer. We have the staff, skills and services to make this move as efficient and successful as possible.\nExpertly-organized office move including:\n- IT equipment\n- Office furniture including tables, chairs, and desks\n- Mechanical equipment and more\nYou will receive a personalized office moving plan. An office move can’t be a free-for-all! You will have a move coordinator who works with you and provides one-on-one attention. You will also be assured of thorough communication, all your questions being answered, and your instructions followed to a “T”.\nFor more information about our office moving services, questions or to request your free moving quote contact one of our corporate moving professionals today.\n“The Matheson team was fast, courteous, and took exceptional care of our inventory especially as much of it consisted of delicate, expensive, and finely calibrated laboratory equipment as well as irreplaceable experimental data.”\n– Chaperone Technologies", "label": "No"}
+{"text": "30 November 2022, Virtual\n12 December 2022, etc.venues Monument, London\nBusiness Travel Show Europe, presented by The BTN\nINTERCONTINENTAL HOTELS has announced ”From the Heart”, a global initiative to raise funds for the Asian tsunami relief effort. For the week beginning Monday 14 February,21 hotels across the world will be asking guests to donate $2 or more per stay to support UNICEF”s tsunami relief and recovery efforts. For each donation up to $2 from guests, participating hotels will match the figure. To date, InterContinental has raised more than $420,000 through donations from employees, franchisees, Priority Club Rewards members and the company”s own donation of $125,000. The Intercontinental effort is one of many being organised by the hotel industry throughout the world.", "label": "No"}
+{"text": "Business London is unmatched in its ability to connect advertisers with the best prospects for your products and services. Each month, Business London reaches your prime customers — the leaders, entrepreneurs and innovators of corporate London. There’s no wasted distribution and no padded circulation. After all, what’s the point of selling to someone who can’t buy?\nWhy Business London?\ntap here to see other videos from our team.\nWhen you advertise in Business London, your brand’s message is delivered to a market of influential readers who have the purchasing power to go out and buy the products and services they choose. According to readership survey data, over 80% of Business London readers are managers and owners controlling budgets in excess of $1 million. They are the influencers within their peer groups.\nIn print, on the web and through our unique Virtual Paper edition, Business London allows you to directly target your preferred customers, especially customers who are difficult to reach any other way. When you advertise in Business London, it delivers a market of influential readers who appreciate the magazine’s editorial and advertising content and have the decision-making power to purchase.", "label": "No"}
+{"text": "As a Realtor, I believe client satisfaction is the single most important measure of success. By listening to you, being available to you, and putting all the resources of Coldwell Banker Preferred to work for you, I will negotiate the best outcome for you.\nEducation and Training\nPA Real Estate License (2010)\nBachelor of Business Administration, Pace University, New York, NY (1983)\nAwards And Designations\nABR - Accredited Buyers Representative\nSRES - Senior Real Estate Specialist\nSFR - Short Sales and Foreclosure Resource\nNew Negotiating Edge\nCartus Network Affinity Specialist\nAreas of Expertise\nFirst Time Home Buyers\nMy husband and I have been residents of Montgomery County since 1983. Over the years I have been an active volunteer in the community, the schools, youth sports and my church. After graduating from Pace University in New York City, I worked in commercial banking for 10 years. While raising 2 children I had various jobs in office management, retail management, and fund raising. My dad was a real estate investor so my love of real estate comes to me naturally. I decided to go beyond investing and get my real estate license in 2010. I believe the American Dream of home ownership is still alive and well, and I encourage all who are looking to buy or sell a home to contact me.", "label": "No"}
+{"text": "Seat spoiler for Jawa Bikes is elegantly designed covers protecting seats from spillage, dirt and dust. These enhances the seating comfort and matches with the vehicles color. The Seat covers are available in various attractive colors and customers can choose as per their wish.\nApproximate Price: ₹ 999\n* Perak Accessories price mentioned here are indicative prices only. Price list of Perak Bike accessories may change without notice. Jawa Perak reserves the right to change the price at anytime. Jawa Perak Spare parts prices mentioned here are not inclusive of taxes.\nPerak Accessories, Perak Spares price, Perak Accessory price in India", "label": "No"}
+{"text": "To promote the franchise business, both the franchisor and the franchisee, including developers and master franchisees, will need to undertake advertising and promotional activities. Where the franchisor undertakes international, national or regional advertising, the franchisee is typically obliged to pay advertising fees to the franchisor. These fees can either be a flat, weekly, monthly or quarterly fee, or calculated as a percentage of the franchisee’s monthly gross turnover. Alternatively the franchisor may provide the franchisee with advertising and marketing materials for a fee or simply oblige the franchisee to obtain the franchisor’s pre-approval to any advertising and marketing materials that the franchisee produces.\nAdvertising fees paid by franchisees may be held in a separate advertising fund by the franchisor. This fund can then be used by the franchisor for marketing campaigns with a right for the franchisees to audit the financial statements relating to the fund.\nAlternative dispute resolution or ADR is a means of resolving franchise disputes without resorting to court action. The best known method of ADR is mediation but other options include arbitration, expert determination and direct settlement negotiations. The UK courts are very much in favour of ADR and parties will often need to show that they have, at the very least, considered ADR before resorting to court action.\nArbitration is perhaps best thought of as private litigation. The parties to a franchise agreement might agree that in the event of a dispute they will follow the rules of an international arbitration body such as the London Court of International Arbitration or UNCITRAL (the United Nations Commission on International Trade Law). These rules set out procedures very similar to those used by the courts, with exchanges of relevant documents and statements of case in preparation for a trial of the issues in dispute.\nArbitration clauses in franchise agreements are not uncommon, although arbitration can be as time-consuming and expensive as litigation at court. Its most obvious advantage is perhaps that where court proceedings are mostly public, arbitration is usually secret, enabling the franchisor to protect its brand from bad press. In addition, instead of a judge being allocated to the case by the court, the parties to arbitration can often select a decision-maker with specialist experience of their market sector and a legal background.\nDuring the term of the franchise agreement, and for a period thereafter, the franchisor should be contractually permitted to audit the franchisee’s books of account. The main purpose for the audit will be for the franchisor to determine whether it has received the royalties and advertising fees to which it is entitled.\nWhere any such audit reveals a discrepancy in the fees paid or payable to the franchisor, the franchise agreement should oblige the franchisee to redress the discrepancy and in certain scenarios to cover the franchisor’s audit costs.\nThis is a set of business systems and procedures that are capable of replication by franchisees. It is these operational elements that define how the franchise business works.\nThis refers to an option whereby the franchisor has a right to purchase the franchise back from its franchisee. If the option is granted the franchise agreement should set out those scenarios where a buyback is possible – usually where the franchisee wishes to sell its franchise business to a third party or on termination of the franchise agreement – and the terms and conditions that would apply.\nWhere a franchisor wishes to expand its franchise business into relatively large new territories – which may include new regions within a country, or whole new countries – one option is to appoint a developer (another being to appoint a master franchisee). The developer will be granted the non-exclusive or exclusive right to expand the franchised business within its designated territory usually in accordance with a development or roll-out schedule. Subject to certain terms and conditions the developer will be granted the right to operate individual franchise businesses within the territory. The developer will therefore have two roles:\ni. as the developer for the territory; and\nii. as the franchisee for individual outlets, stores and/or franchise business units.\nDisclosure within a franchise context is where a franchisor provides information to prospective master franchisees, developers or unit franchisees before a franchise agreement (which here includes a master franchise agreement or a development agreement) is concluded. In a number of countries the provision of certain franchise-related information – prior to the grant of franchise rights – is a legal obligation on the franchisor. Disclosure is not a legal requirement in the UK but it is recommended best practice. It is also recommended by the British Franchise Association.\nThe typical information that is required to be disclosed includes: details of the franchisor; details of the franchise business; number and location of franchisees; key legal and operational obligations; intellectual property rights that form part of the franchise; and details of any franchise litigation. Disclosure has a different meaning in legal proceedings, where it can refer to the exchange of documents that are relevant to a claim.\nExpert determination is a form of alternative dispute resolution. Whilst it might be most appropriate for a franchisor and franchisee to engage in litigation, arbitration or mediation where they do not agree on the facts or law of a dispute, and need an impartial referee to decide who is right , expert determination is often most useful in very technical disputes where specialist knowledge is vital. The expert will be appointed by the parties to evaluate their position, and the issues at stake, and make a final decision on the issue put to him.\nAn example might be where a franchise agreement contains particularly complex royalty payment provisions and a financial expert is needed to confirm which party has applied them correctly. An expert determination is – like arbitration and mediation – usually private, and will provide a binding decision that might resolve the dispute in its entirety, or might help the franchisor and franchisee narrow the terms of the dispute before it is referred to the courts.\nA legal and commercial relationship between a franchisor and a franchisee that allows the franchisee to operate a business, under the franchisor’s established brand and in accordance with the franchisor’s systems, knowhow and business format.\nThe franchise agreement is the legal document that contractually binds the franchisor and franchisee. It should contain each party’s legal obligations, and is the framework within which the franchisee’s business must operate (although elements of the business format, knowhow and system should be described further in an Operating Manual).\nThis is the term used to describe a party appointed by the franchisor to run an individual franchise business. Master franchisees will also appoint franchisees. The franchisee’s legal obligations and responsibilities will be set out in the franchise agreement. Another term that may be used to describe a franchisee, particularly in a master franchise structure is a ‘sub-franchisee’ or ‘unit franchisee’.\nEssentially franchising is a business model where one party (the franchisor) has developed a successful product or service and allows another party (the franchisee) to operate under its brand name in accordance with its business methods (which includes the business format, knowhow and systems), in exchange for a fee. As a result the franchisee benefits from consumer goodwill towards the franchisor’s brand and product(s) or service(s), and access to the franchisor’s proven methods of doing business.\nThis is the ultimate owner of the franchised business, including the intellectual property rights and particularly the brand, the knowhow and the system. It is the franchisor who appoints developers, master franchisees, unit franchisees or a combination of these.\nThis refers to the reputation amongst consumers enjoyed by the franchisor as a result of selling its product(s) or service(s) under its brand. In time a franchisee will also develop local goodwill through the operation of the franchised business.\nIn a franchise context a franchisor’s intellectual property rights typically include unique trade marks, copyright and patents. Typical examples of intellectual property rights include a business logo protected as a trade mark i.e. the brand, a secret recipe protected by copyright, and/or a unique product protected by a patent.\nA franchisor’s knowhow is the franchisor’s knowledge and experience of how to operate its particular business within the industry sector. The knowhow forms a key part of the business format and the system. The franchise agreement should expressly grant franchisees the right to use the franchisor’s knowhow. As knowhow is not intellectual property it does not have the same level of statutory protection as, for example, is enjoyed by copyright or patents. Therefore it is essential that the franchise agreement provides protection for the franchisor’s knowhow, typically by ensuring the franchisee keeps it secret and confidential.\nWhere a franchisor wishes to expand its franchise business into relatively large new territories – which may include new regions within a country, or whole new countries – one option is to appoint a master franchisee (another is to appoint a developer). The master franchisee will usually be granted the exclusive right to expand the franchised business within its designated territory. Subject to certain terms and conditions the master franchisee will be granted the right to appoint its own franchisees in the territory. The master franchisee effectively becomes the franchisor for its franchisees. Another term which may be used to describe a master franchisee is “subfranchisor”.\nMediation is a form of alternative dispute resolution and is designed to help the parties to a dispute resolve their differences without the cost of time-consuming litigation. Unlike litigation and arbitration, mediation is less a battle of statements prepared by lawyers and more an effort to resolve the dispute by dialogue between the parties. It is relatively informal and, where successful, produces a settlement that is generally not binding until recorded in a settlement agreement.\nThe parties will try to select a mediator who will either discuss the dispute with both parties together or perform shuttle diplomacy between parties that don’t see eye to eye. The mediator will not make a formal judgment or decision, but will assist the parties in agreeing a voluntary resolution. Even unsuccessful mediation can be beneficial in helping the parties to a franchising dispute identify the real issues and thus save costs in any subsequent litigation.\nA misrepresentation is a statement of fact made (in the franchise context usually by the franchisor) prior to the signing of the franchise agreement that induces or partially induces the other party (in this case the franchisee) to enter into the agreement, only for the franchisee to later discover that the statement was not correct at the time it was made. Misrepresentations are often in the form of exaggerations of the estimated success of the franchise, such as unrealistic earnings projections based on assumptions rather than previous data. A franchisee (including developers and master franchisees) that purchased its franchise in reliance on untrue statements may be able to bring a claim against the franchisor for misrepresentation.\nThe franchisor itself may have built up a portfolio of certain clients or customers for its products or services, which due to the customer’s size, geographical coverage or purchasing power, are accorded special status compared with smaller, less frequent customers. Such customers may be termed ‘National Account clients/customers’. National Account customers may enjoy preferential terms compared to other customers of the franchise business. These preferential terms are often set by the franchisor for franchisees to follow and adhere to. In some franchise businesses, the franchisor may itself provide the services or products direct to National Account customers – even in scenarios where the National Account customers are located in a franchisee’s territory.\nThe franchisee and principals are taught how to operate the business of the franchisor. It would be unfair (and destructive of franchising) if they could divert business away from their franchisor's business (which pays fees to the franchisor) and so avoid paying fees, also causing the franchise business to be less successful and to pay less fees to the franchisor. Accordingly Franchise Agreements typically prevent the franchisee and the principals from being involved in competing businesses without the franchisor's express consent both during the term of the franchise and for a reasonable period thereafter. The latter restriction enables the franchisor, or a successor franchisee in the local market, to continue the business under the brand, and not to lose to a competitor the goodwill for the brand which has developed in the local market.\nThe operations manual should contain all the information that is needed by the developer, master franchisee or franchisee to run its business in accordance with the franchisor’s systems, business format and knowhow.\nSometimes, before setting up a full network of franchisees, a franchisor might run one or more outlets in exactly the same way as it proposes the franchises be run. The pilot operation is essentially the franchisor’s learning or testing ground. The franchisor will appoint one or more pilot franchisees who may, for the term of the pilot franchise relationship, be granted more favourable commercial terms as an acknowledgement that the franchisor is still refining the franchise concept and system.\nThe pilot operation allows the franchisor to develop its operations manual based on the pilot franchisees’ operating experiences. It also enables the franchisor to test its franchise agreement to see which provisions work and which do not. Taking this approach means the franchisor might better understand its franchisee’s businesses, and might lessen the risk of making statements that misrepresent the truth.\nMany franchise agreements contain a prohibition on the franchisee from being involved in a business that is similar to, or competes with, the franchisor’s business for a certain period of time after expiry or termination of the franchise agreement, Such a restriction is, on its face, in restraint of trade and therefore void pursuant to Competition Law. However, the courts have held that the franchisor/ franchisee relationship is similar to a vendor/purchaser relationship, rather than a consumer or employee/employer relationship, and therefore a post-termination restriction in a franchise agreement is enforceable provided that it goes no further than is reasonably necessary to protect the franchisor’s legitimate business interests. Such clauses need to be carefully drafted by an experienced professional to ensure their enforceability as what is and is not reasonable will vary from business to business based on a variety of different factors.\nFranchisors almost invariably require the right to buy the franchisee's business or company if it is to be sold. This enables a franchisor that wishes to buy back the outlets in its network to do so. In the day-to-day operation of a franchise network, franchisors generally do not exercise this right, preferring to allow the business to be sold on to a new franchisee it has approved.\nThis term is frequently used in Franchise Agreements to refer to the key individual or individuals responsible for the franchised business where the agreement is signed with a small limited company as the franchisee. The principals are invariably required to guarantee that their company will pay the franchisor the amounts it owes under the agreement. In addition the principal is usually also bound by confidentiality and non-compete restrictions.\nA franchisee, or indeed a developer or master franchisee, will be permitted to conduct business in accordance with the franchise agreement only for a specified period of time. It is only granted the use of the franchisor’s brand for that period. Some franchise agreements will contain terms and conditions that dictate what needs to be undertaken by the franchisee and franchisor to allow the franchisee to continue after the original franchise agreement would have expired. These are the terms and conditions for a renewal of the franchise.\nAs consideration for the grant by the franchisor to the franchisee of the right to use the franchisor’s knowhow, system and brand, and in return for ongoing training and support, the franchisee is obliged to pay the franchisor royalties on an ongoing, usually monthly basis. These royalties are often calculated as a percentage of the franchisee’s monthly gross turnover. Other terms that may be used for royalties are service fees or management fees.\nThe term used in many franchise agreements to refer to the continuing fees payable to the franchisor, usually monthly, for the right to use the business system and intellectual property rights of the franchisor, including the brand, and to benefit from the services and support the franchisor provides to its franchisees generally. Such continuing fees are sometimes alternatively described as royalties.\nA franchisor may decide that it wishes to invest in its operations in new territories. It may therefore look to set up a new company with the developer, master franchisee or unit franchisee in that territory. The parties will enter into a subordinated equity agreement that will govern how the new company is to operate. The new company – which will be partly funded by the franchisor – will then be granted either master franchise rights (via a master franchise agreement), development rights (via a development agreement) or unit franchise rights (via a franchise agreement) by the franchisor.\nThe system represents the franchisor’s methods for conducting the franchised business. The system encompasses the franchisor’s knowhow and the business format. The operational elements of the system should be set out in the operations manual.\nThe term of a franchise agreement, or a master franchise or development agreement, is the period of time, usually a specific number of years, for which the franchisee can operate the franchise business. If the franchisee wishes to continue after the term expires, a renewal of the franchise agreement will be needed.\nTermination describes the scenario where the franchise agreement, and therefore the relationship between a franchisor and its franchisee, comes to an end. Termination may arise in a number of scenarios including: (i) where the franchise agreement has reached the end of its contractual term (also referred to as expiration); (ii) in scenarios where the parties mutually agree to end it early; or (iii) in circumstances where one party has broken its contractual obligations in a way that allows the other party to end the franchise agreement. It is recommended that the grounds for termination, including any opportunity to remedy, are expressly detailed in the franchise agreement.\nThe specific geographical area, whether a city, region or country, within which the franchisee is granted the right to operate. Often, but not always, a franchisee will be given exclusive rights to a territory, meaning no other franchisee of the business will operate there in competition.", "label": "No"}
+{"text": "Download as PDF\n§ 1 Applicability of Conditions\n1. Our orders, deliveries and services occur exclusively on the basis of these business conditions. These also apply, therefore, to all future business connections, even if they are not expressly agreed again. At the latest, upon acceptance of the product or service these conditions apply as accepted. We expressly except acknowledgements of our contracting partners or information on his business- or purchasing conditions.\n2. Departures from these business conditions are only effective if they are confirmed to us in writing.\n3. If the written format is agreed, a change to the written form as well as the written form is required.\n§ 2 Offer and Contract Conclusion\n1. Our offers are subject to change without notice and non-binding Acceptance and all offers require our confirmation in written form for them to be legally effective. The corresponding applies to supplements, changes or sub-agreements. The confirmation of order / notice of acceptance is to be checked promptly concerning number of pieces, dimension and technology, and to be contested if necessary. If no prompt notice of defect occurs, it is manufactured according to information on the confirmation of order. Additional changes are carried out only after explicit written confirmation by us. These will entail added costs. Exemplars count only as approximate models for quality, dimension and color.\n2. Our sales professionals are not authorized to make oral sub-agreements or oral approvals that depart from the content of the written contract.\n§ 3 Prices\nThe prices are understood to be from the factory or depot and without packaging, if nothing else is agreed. As long as nothing else is specified, we consider ourselves bound to the prices contained in our offer for 30 days from date [of offer]. The prices quoted in the confirmation of order are standard and do not include VAT at the appropriate rate.\n§ 4 Payments\n1. Our invoices are to be paid without deduction within the grace period provided on the invoice. If the payment deadline is exceeded interest will be charged.\n2. We are not obligated to provide further services before invoice balances that are due have been paid. If the payment term is exceeded with an invoice, or the contract partner gets into exposure of assets, this causes the immediate maturity of all of our invoices from business connections with the customer, even if an extension was granted or changes have been accepted.\n3. Credit approvals and terms of payment can be revoked any time. Payments are to be made to the banks or accounts provided on our forms.\n4. Our representatives are not authorized to perform collections. Different payment terms are to be fundamentally agreed by the conclusion of the sale. Drafts can be accepted as payment if this was agreed by conclusion of the sale.\n5. Payments given in draft or checks are accepted only on account of performance.\n6. Offsetting with counterclaims of the customer is excluded - unless, these would be indisputable or ascertained legally. The corresponding applies to any exercised right of retention.\n§ 5 Contracts\n1. If it turns out after conclusion of the contract that the credit rating of the contracting partner is not suitable for a grant of credit, we are thereby entitled to demand prepayments or security deposits at our discretion because of due or not yet due claims from all existing contracts, and to refuse fulfillment until prepayment or payment of a security deposit.\nIf this demand is not fulfilled by the deadline, we can, at our discretion, withdraw from the contract or require compensation for damages because of non-fulfillment.\n2. Contract annulments are only effective with our approval. In this case, as well as in all contract cancellations caused by fault of the customer, we are entitled to compensation for the damages resulting from lack of fulfillment at the rate of 25% of the agreed purchase price sum without detailed verification. In individual cases, we reserve the right to demand higher damage compensation, and it is left to the customer to prove that the damage has not occurred or was lower.\n§ 6 Passing of Risk\nThe risk passes to the contracting partner, who is the enterpriser, as soon as the shipment has been handed over to the transportation company or has left for the purpose of sending to our warehouse. In case delivery is not possible by no fault of our own, the risk passes to the customer (i.e. enterpriser) upon registration of readiness for shipment. This also applies if we have taken over the shipment- or delivery costs.\n§ 7 Packaging\nIf the shipment of wares occurs on palettes, these will be billed with their customary purchase price. Upon return to our factory the amount is credited less a usage charge.\n§ 8 Guarantee and Limitation\nLegal regulations apply with the following requirements:\n1. The enterpriser as contractual partner is obligated to inform us of deficiencies immediately in writing, and at the latest within a week after receipt of delivered items.\nDeficiencies that cannot be discovered within this timeframe even with careful checking are to be indicated to us in written form immediately after discovery.\n2. The warranty period amounts to 1 year for contractors for movable items which are not intended for construction according to their usual use.\nFor consumers, the legal regulation applies. This does not apply to damages from death, bodily injury or bodily harm which is based on a careless or intentional breach of duty of the user or a careless or intentional breach of duty of a legal representative or assistant of the user.\n3. We are liable for delivery defects within the scope of the guarantee to the exclusion of other claims as follows:\nAll those parts which show defects are to be repaired free of charge according to our equitable discretion, or to be delivered anew those which are useless or considerably impaired in their usefulness, in particular because of faulty design, bad building materials or defective construction as can be proved as resulting from a condition existing before the passing of risk. Nevertheless, the opportunity is to be given us to check the contested defects there and then or to have them checked. Replaced parts become our property.\nFor foreign products, the contractual partner can require either the cession of our liability claims against our supplier, or oblige us to assert these liability claims with our supplier for him.\nc) Regarding the undertaking of all emerging necessary repairs and spare deliveries, the contracting partner has to give us the necessary time and opportunity for the repair or spare delivery after prior notification; otherwise we are released from liability for defects.\nd) Of the existing direct costs of the repairs or spare delivery - as long as the complaint turns out to be warranted – we cover only the\ncosts of the replacement parts including the delivery and the assembly- and disassembly costs.\nWe can refuse the removal of defects, as long as the contractual partner is not ready to fulfill his contractual obligations in return for the fault removal.\nf) No guarantee is assumed for damages which have originated for the following reasons: inexpedient or improper use, faulty assembly by the contractual partner or faulty or negligent handling.\ng) Liability is excluded for results arising from an alteration or repair work that is carried out because of possible improper use on the part of the customer or third party without our previous approval.\nh) With DIN/EN-standardized goods the DIN/EN tolerance applies.\nIn other respects thickness tolerance + - 2mm applies, length and width tolerance + - 3mm, default freedom + - 3 mm/m per linear meter. For insulation panels a level-level surface cannot be guaranteed for technical reasons. Unevenness is no grounds for a complaint.\nj) § 8 number 3 „a“ to „g“ do not apply to users.\n§ 9 Extending the warranty\nOur contracting partner as an entrepreneur commits himself to forego for the case of subcontracting supply of a component on the defense of the limitation for another six months after the expiration of the warranty in order to grant to us the possibility of recourse.\n§ 10 Delivery- and Time of Performance\n1. Delivery dates or deadlines that can be declared binding or non-binding are required to be in written form.\n2. Delays of delivery and service delays because of acts of God and on the basis of events which make it significantly difficult or impossible for the sales person to perform the service\n- especially included here are strike, lock-out, official directives, transportation problems, like traffic jam, blockages or similar, etc., also if they occur for our deliverers or sub-deliverers - we do not have to respond with obligingly agreed deadlines and appointments. They entitle us to push back the delivery or service around the duration of the impediment plus an adequate lead time, or to withdraw completely or in part from the contract because of the not yet fulfilled part.\n3. If the hindrance lasts longer than 3 months, the contractual partner is, after appropriate grace period notification, authorized to withdraw from the contract in view of the not yet fulfilled portion. If the term is extended or we become free of the obligingly agreed delivery date / deadline, the contracting partner cannot derive compensation claims out of this.\n4. We are authorized to provide partial deliveries and services at any time.\n5. In any case, the observance of terms of delivery or appointments assumes the final clarification of all technical details and, if necessary, the timely adduction of the specifications to be reported by the contractual partner, or documents to be procured, approvals, releases etc., and performing the necessary requirements as well as the submission of contractually agreed payments, if necessary.\n§ 11 Reservation of Property Rights\n1. Until payment of all receivables (including all account settlement requirements from current accounts as well as note receivables) which we are entitled to on every legal ground against the contracting partner and his enterprise group now or from now on, the following securities are granted which we will release by request based on his choice, as long as their value exceeds the receivables by more than 10% with lasting effect.\n2. The goods remain our property. Conversions or reorganization always occur for us as a manufacturer, however, without obligation on our part. If our (joint) ownership expires by incorporation, it is therefore agreed now that (joint) ownership of the buyer of standard items carries over to us as a percentage of value (invoice value) . The contracting partner safeguards our (joint) ownership free of charge. Goods that we are jointly entitled to are designated below as goods subject to retention of title.\n3. The contracting partner is entitled to process the goods subject to retention of title in proper business dealings and to dispose of them, as long as he is not in default. Pledging securities or transfers by way of securities are inadmissible. The contracting partner resigns to us by way of security in full amount existing receivables from the resale or from other legal grounds (assurance, unauthorized action) with regard to goods subject to retention of title (including all balance receivables of the current account) . We authorize the contracting partner to collect the receivables surrendered to us for our calculations in their own name until revoked. The collection authorization can be revoked only if the buyer does not properly satisfy his obligations to his bills of debt.\n4. If third parties gain access to the goods subject to retention of title, the contracting partner is advised of our property and must inform us immediately. Costs and damages are the responsibility of the contracting partner.\n5. If the customer's behavior is contrary to the terms of the agreement - in particular default - we are entitled to take back the goods subject to retention of title and to require, if necessary, abandonment of the right to release charges of the customer against the third party. In the revocation as well as in the garnishment of the goods subject to retention of title by us, there is no withdrawal from the contract.\n§ 12 Limitation of Liability\n1. Our liability is – with the exception of damages from death, bodily injury or injury to health – limited to gross and deliberate negligence. That also applies for damages caused by staff assistants and legal representatives.\n2. Nevertheless, without limitation, we are liable for damages from death, bodily injury or injury to health.\n3. With regard to enterprisers we further limit liability according to paragraph 1 to the typical damages predictable by conclusion of the contract. Paragraph 2 remains unaffected by this.\n§ 13 Abandonment\nThe abandonment of claims which are entitled to the contracting partner from the business connection to us is excluded.\n§ 14 Applicable Law, Legal Venue, Partial Severability\n1. The laws of the Federal Republic of Germany apply for these conditions of business and the entire legal relationships between us and our contracting partners.\n2. As long as the contracting partner is a salesman in the sense of the German commercial code, legal personnel of public law or special fund under public law, the District Court of Riedlingen or County Court of Ravensburg is the court of jurisdiction for all direct or indirect disputes arising from the contractual relationship.\n3. Should a provision in these conditions of business or a provision in the scope of another agreement be or become ineffective, the effectiveness of all other provisions or agreements are not affected.\n§ 15 Final Clause\nWe save data of our clients and interested parties in the framework of our mutual business connections in accordance with the Federal Data Protection Act.\nDownload as PDF", "label": "No"}
+{"text": "Compaq 171FS Free Driver Download\nSee details of driver package which includes support for this device.\nSupported Operating Systems\nWell I found this on the net, works for me (Win 95), might be worth a try!\nEva Mohlin (DG Member) on 11/2/2001\ncpq_mon.inf (60.4 KB)\nAlready tried it? Give your review\nEmbed a link to this page", "label": "No"}
+{"text": "Very very bad!!!BUYER BEWARE!! You may save if you purchase AC from owner Patrick but installation and labour warranty is scam. Installed AC in 1hr 1/2. Professional is minimum 4hrs. As a result unit leaking freon for 3 years. All he did was fill the unit with freon withought thorough inspection to locate a leak. This is not common practice and is illegal. 3rd year he stated leak coming from my condensor coil which is under warranty by manufacturer but will cost me to install and its a big job. He wanted me to pay over the phone before the job was ever started. So I decided to get another company BBB accredited to inspect and they found nothing wrong with the coil but everything wrong with the installation and sealing of unit. They basically re-installed the unit by first conducting several pressure checks, thoroughly vaccuming the unit, seal conection on furnace, seal valves, seal hole in my wall and placing back my insulation. AC never worked better. Save yourself the greif and do not go to Pat the owner of the company for AC install or service, it is a scam. Go to a BBB accredited company.It will save you lot of money in the long run. Hope this helps.", "label": "No"}
+{"text": "Mo Farah rarely smiles after a loss. Usually it is too painful.\nThe youngster is highly rated at the Emirates and impressed in midweek for the U-21s.\nLondoners spend on average over £6,000 on their jobs each year just getting to and from work, as well as buying work-related items, new research has shown.\nRarely have financial markets had a more traumatic start to the year. Shares plunged, the price of oil clattered to its lowest level in 11 years, trading on the Chinese stock market was halted twice, and the World Bank warned that a “perfect storm” might be brewing.\nThe Financial Conduct Authority is \"not going soft on banks\", its interim chief executive Tracey McDermott said after the regulator dropped probes into the banking industry.\nKane has been linked with Real this week, but he'd have some making up to do.\nWest Ham United won 1-0 against Wolverhampton Wanderers in the FA Cup on Saturday afternoon.\nNewcastle United’s Moussa Sissoko has been linked with a move away from the club.\nAs long as Jurgen is in the Premier League, life will be good.\nSteve Walsh was hired to bring his talent spotting skills to Everton and signing Burnley striker Daniel Agyei would demonstrate his ability to unearth gems.\nThe Croatian goalkeeper has little chance of a Chelsea breakthrough.\nBrendan Rodgers launched Raheem Sterling's career at Liverpool and he could do the same with Manchester City prodigy Jadon Sancho at Celtic.\nSouthampton and AS Monaco are reportedly interested in signing Wolverhampton Wanderers winger Helder Costa in the summer transfer window.\nWest Ham United's Karren Brady is not a big fan of Manchester United's star man.\nWest Ham United vice-chairman Karren Brady recently had a chance meeting with Tottenham Hotspur chairman Daniel Levy.\nTottenham Hotspur defender Jan Vertonghen could have joined Arsenal back in 2012.\nRangers teenager Myles Beerman has been hailed by former striker Gordon Dalziel.\nWest Ham United attacking midfielder Martin Samuelsen has been on loan at Peterborough United since January.\nPedro Caixinha's Rangers number three watched Norwich City on Monday, and may have been impressed by more than one of their players. Could an Ibrox move be on the cards?", "label": "No"}
+{"text": "About the film\nwar on drugs cocaine drug dealer marijuana drug bust dea agent law enforcement\nHow to Make Money Selling Drugs\nRelease Date: September 07, 2012\n|Production Companies||:||Bert Marcus Productions|\n|Producers||:||Adrian Grenier, Bert Marcus|\nTen easy steps show you how to make money from drugs, featuring a series of interviews with drug dealers, prison employees, and lobbyists arguing for tougher drug laws.", "label": "No"}
+{"text": "With its beautiful shape and exquisite bird detail on lid, this lovely ceramic jar brings an elegant look to your home. Its charm will add beauty and a splash of color to your countertop, bookshelf, bathroom or just by itself anywhere.\nSize: 7\"H x 6\"W x 6\"D\nPayment & Security\nYour payment information is processed securely. We do not store credit card details nor have access to your credit card information.", "label": "No"}
+{"text": "KLRN Video Home\nUTSA coach Jeff Traylor talks about what the coming years will look like for UTSA football\nHave you ever wondered what it takes to produce Antiques Roadshow?\nA look at how vital economic sectors in San Antonio are faring in this post-pandemic time\nBrooks and Capehart on Democrats' climate bill and critical primary elections\nAmy Walter and Annie Linskey on how the Inflation Reduction Act could impact the midterms", "label": "No"}
+{"text": "Free vegas bitcoin slots win real money\nFree vegas bitcoin slots win real money\nStar spinner slot machine make sure it is long enough to reach your Pi, reduced its memory usage to just 150KB. The betting area on a roulette table is known as the betting layout, betting site, free vegas bitcoin slots win real money. Slot machine good girl bad girl play for free without registration va rugam sa confirma?i intreaga specifica?ie a unui anumit model sau accesoriu la Dealer inainte de orice achizi?ie, or business associated with gambling can be difficult. Cool Cat Casino no Deposit Bonus Codes - Get $100 Free Chips, free vegas bitcoin slots win real money. Can be redeemed 1x only. May 12, 2021 Lucky Creek Casino is powered by Betsoft, Rival & Saucify. They are licensed by the government of Curacao, and they accept players from the United States. The casino offers regular no deposit and match deposit bonuses to new and active players, free vegas bitcoin slots win real money. Lucky Red Casino Bonus Codes & Review - Is it Legit.\nNo deposit bonus for virtual casino\nPlay bitcoin casino online games - gamble more than 2000 casino games on cryptovegas. Sign up today and get your welcome bonus to play with btc, eth, ltc. Vegas meets the blockchain in bitcoin casinos. Are you ready to find out more about free slots, win real money apps. How to win at slots. Vegas world is not a real money gambling game, but there are plenty of excellent online casinos if you would prefer to play to win cash jackpots. Royal slots is a free slots game without in-app purchases. Win real cash and physical prizes! are you bored with slots that don't have any rewards but. Sharpen your skills first and then play for real money. Best bitcoin slots provides free slot games, delivers up-to-date igaming news, gives in-depth. So it's no surprise that these two favourites met up in the 21st century and created something new in the casino industry – bitcoin casinos and slot games, to. Get your exclusive welcome offer when you join betway today. Experience pre-game and in-play sports betting markets, the latest casino games and more. Casinos! get casino bonuses for april 2022 and start earning real money! use casino. Bonus worth up to 10. , real slots of vegas free play no spins. Vegasslotsonline is the internet's top guide to slot games and online casinos. Play thousands of free slots or check out our reviews of the best casinos. Through websites that allow them to play real money games Proveedores oficiales Calidad y Seguridad, free vegas bitcoin slots win real money. Every new player gets a 2000% Match Bonus, no deposit bonus for virtual casino. This means that after purchasing $1, we'll match it with $20 absolutely free! No need to check your horoscope - all the luck you'll ever need is right here with a truly out of this world online casino offer! Casinos! get casino bonuses for april 2022 and start earning real money! use casino. Vegas meets the blockchain in bitcoin casinos. Are you ready to find out more about free slots, win real money apps. How to win at slots. New fanduel customers get their first bet risk-free up to $1000 on sportsbook or a $500 bonus on fantasy with their first deposit. Shambala is a new online casino with 20 free spins no deposit on registration and a big up to €/$400 or 1 btc bonus and 180 free spins (20 spins a day for 9. Play bitcoin casino online games - gamble more than 2000 casino games on cryptovegas. Sign up today and get your welcome bonus to play with btc, eth, ltc. Vegas world is not a real money gambling game, but there are plenty of excellent online casinos if you would prefer to play to win cash jackpots. Slot machines dominate the floor of any casino in las vegas. Explains how much money you will win for various combinations on that bitcoin slot machine. In your market—and analyze how much cash they're withdrawing in your casino. Waste your money), you had to go hit the slots and tables in places like las vegas. Win big prizes in our weekly tournament or enjoy a plethora of bitcoin gambling promotions that dish our rewards such as cash bonuses, free spins and more! icon. Collection and feel the real las vegas style casino slots experience Conseguir un casino con bono que no requiera de un deposito es cada vez mas facil, онлайн bitcoin казино кинг украина. Los jugadores chilenos tienen mas oportunidades que nunca para hacer una apuesta en las tragaperras (o slots), en el Blackjack o en la ruleta completamente gratis. That does not prevent the players from enjoying these no deposit bonuses and follow suit as many did on previous occasions. This form of promotion often takes the form of free spins, which are by far the most popular type of promo that does not necessarily needs a depositing procedure at first, though it certainly might later on, hard rock casino florida roulette. En ambos casos el bono se conseguia con solo realizar el registro en el casino, wild gold casino. Por tanto, son bonos eran bonos perfectos para probar el casino y pasar un buen rato. En funcion de la variedad de alcohol, de donde se secuestraron un centenar de computadoras con programas de apuestas. Bono de casino sin deposito inicial segunda Dimensin: Ojos cerrados, mesas de poker, detroit free press map of mi casinos. Non mancano tuttavia offerte ben diverse, come del credito gratuito, 6 games jackpot. Al giorno d'oggi possiamo dunque distinguere tra due diverse tipologie di bonus casino senza deposito: Free Spins Credito virtuale. Lo primero que debeis pensar cuando os otorguen un bono sin deposito es si realmente merece la pena o es una promocion que el casino que podriais conseguir en cualquier lugar, wild gold casino. Por ello, no dudeis ni un segundo en verificar los terminos y condiciones del bono sin deposito para conocer realmente cuantas veces debeis apostar la cantidad de la promocion. According to the results of those conversations, a $5 minimum deposit online casino USA stands out as being another apparent myth, which appeals to thousands of gamblers in the United States, 2crazybitches com. So, the most rational idea is to manually review the terms and conditions of the online casino 5 dollar minimum deposit, especially if the website operates in North America. However, these fees can be ridiculous on small deposits. Code bonus dingo casino, juego de casino gratis planet moolah. Cashable Casino Bonus v Sticky Casino Bonus. There are some cashable casino bonuses that are slightly more complex and these are called 2nd chance casino bonuses, wild gold casino. After your deposit is successfully transfered to El Royale, you account will be credited with the bonus offer. For the list of available Deposit Bonus Coupon Code, read the beginning part of the review, best slot game on caesars casino nj.\nOshi casino no deposit bonus code, pop slots hottest or coolest machine\nYes, all the bonuses at this online casino can be withdrawn, free vegas bitcoin slots win real money. Although, the bonuses can only be withdrawn after the deposit as well as the bonus has. Q6 Does Jackpot Capital Casino offer a no deposit bonus? Jackpot Capital Casino offers a myriad of promotions to keep its players interested. Out of these, the most sought after bonus offer is undoubtedly. Game Minimum deposit Slots 0, free vegas bitcoin slots win real money. There are a few ways you can get your hand, no deposit bonus for virtual casino. Only the players who opened their casino account via spinmybonus. Com have access to our special bonus deals collection. Sign up new with oshi casino and receive. This bonus has expired. Bonus code available for new and existing players. €25000 tournament at oshi casino. Bonus code: not needed. Bitstarz casino: 20 free spins no deposit bonus code! february 13, 2021 february 13. Bitstarz casino provides a wide range of bonuses and promotions to players. Best site older article earn per day 100k satoshi free auto mining – form telegram app. , oshi casino no deposit bonus codes even if their. Cloudbet casino astronomical oshi casino mr magnifico fortunejack casino blood. Get 100% free promo code for oshi casino ⚡ no expire coupons last updated april 2022 ✓ no deposit codes ✓ free spins codes ✓ promo codes ✓ bonus. With the following deposit options, you can top up your account with as low as ca$15. If you opt to use digital currency, the minimum deposit is 0. There are no bonus codes. However, you need a no deposit code for you to receive. Oshi casino offers no deposit 50 free spins right after your registration. First complete your registration then you will need to complete your email. Mural geek - perfil de membro > perfil página. Usuário: roaring 21 no deposit codes, oshi casino no deposit bonus 2021, título: new member. Oshi casino 20 free spins new players no deposit reward. Bonus, no deposit bonus. Oshi casino daily reload bonuses. Oshi bitcoin casino online no deposit bonus codes! mobile oshi. Io casino free spins promo code! List of the top no deposit casino bonuses and codes supplied by the most rated online casinos, giving free cash bonus after the registration. Just remember to wager on slots because the other casino games are not eligible. Is there an oshi casino no deposit bonus? oshi. With the following deposit options, you can top up your account with as low as ca$15. There is no classic oshi no deposit bonus at this online casino. It is replaced by the cashback feature for lost bets. The casino returns from 5 to 10% of the. Oshi casino bonus codes february 2022 - get a promo code for oshi. Io for free slot spins, welcome, bonuses & no deposit bonus from the best. Compared to the signup and reload bonuses, this promotion does not require a deposit! it's a fun, exciting, and lucrative way to play at oshi. Oshi casino australi login and no deposit bonus + free spins. Find out more on oshi casino – a new casino accepting australian pokie players. Best site older article earn per day 100k satoshi free auto mining – form telegram app. , oshi casino no deposit bonus codes even if their. Ready oshi casino review - you will find the popular slots, live casino games, plus regular bonuses and free spins. Claim a new player welcome package now! Oshi casino bonus codes april 2022. Ll▷oshi casino review + exclusive no deposit bonus! | 2020. The online casino attracts users with oshi casino welcome bonuses and promotions. For example, each player can get a 100% bonus on the first deposit up to Q6 Are there some important points to note before playing free bingo games? Players need to follow few important tips before getting their hands on the free bingo games, oshi casino no deposit bonus code. These necessary tips encouraging a sa. Bitcoin casino winners: Daring Dave - 590 bch Tiger and Dragon - 515.7 dog Arcader - 107.9 btc Golden Lamp - 587.5 eth Phoenix Sun - 109.5 btc Illuminous - 351.6 dog Lotus Love - 730.3 ltc Sevens High - 316.5 eth Number One Slot - 427.6 eth Sindbad - 171.7 btc The Asp of Cleopatra - 20.6 btc The Link - 373.4 dog Aztec Secrets - 399.7 usdt Da Vinci Diamonds - 555.9 ltc Ghostbusters - 70.1 bch New Games: Betchan Casino Neon Staxx FortuneJack Casino Queen of Thrones BetChain Casino Wild Turkey CryptoWild Casino Pirate 2", "label": "No"}
+{"text": "It seems that a whole bunch of travelers are getting really excited about the new budget travel option from JetBlue.\nBasically its an all you can fly deal for $599. I was thrilled about the idea at first but then started to think about it more.\nThe problems with the idea are conveyed in this article\nDo you guys agree? Or is the deal really a deal? Will you be giving it a try? Any opinions or thoughts?", "label": "No"}
+{"text": "The ThinkCentre M720 Tiny gives most desktops a run for their money but won't clutter your desk. Powered by Intel 8th Gen processors with next-gen memory and storage, it's fast, responsive, and versatile. Tiny in name but not on performance, this compact PC boasts enhanced security, reliability, and energy efficiency, too.\nPayment & Security\nYour payment information is processed securely. We do not store credit card details nor have access to your credit card information.", "label": "No"}
+{"text": "Thief Sells Couple a Stolen Ram Rental Truck for $16000: If It’s Too Good to Be True…\nCar theft with fake registrations is rampant. A couple in Houston found out the hard way when they bought or thought they bought, a 2022 Ram pickup for a steal. And it was a steal, or rather, stolen. The truck was actually a stolen rental truck. The woman said, “While the price seemed too good to be true, the documentation at the time seemed legitimate.” Now, she and her husband are out $16,000, which was the sale price.\nHow did the thief prove it wasn’t a stolen truck?\nThe couple previously made two hassle-free purchases from Craigslist, so what could go wrong? “He showed a blue title to us and he even had a Carfax report with his name on it,” she told Click2Houston. “And he showed us the ID. Everything matched, the VIN number matched the truck.”\nShe said that the seller let them take it for a test drive, and even posed for a photo with the couple before going to the bank to finish the transaction. Throughout the transaction, the seller kept telling the couple he wanted cash. It almost killed the deal. But the seller had a reason.\nWhy did the couple pay cash for the stolen truck?\nThe man told the couple he needed the cash because he was getting a divorce and didn’t want his wife to know he had the money. There are lots of good reasons to accept cash, especially under those circumstances. Everyone wants to help a nice guy.\nSo the couple went to the bank and left with two stuffed envelopes of $100 bills. With the transaction complete, the couple’s next stop was the Department of Motor Vehicles to get the registration. The bad news was revealed soon after arriving there.\nThe stolen truck was an Avis rental truck\n“The title, she told me to look at very carefully,” the DMV woman told them. “He erased it and typed in his name.” Houston police said that the truck was an Avis rental from San Antonio. It was to be returned a few days later, which is why Avis had not reported the truck stolen.\nHouston police have the truck and are trying to identify the thief. “Very sad. Probably not because of the $16,000, but you feel like you can trust people. You feel like you got cheated,” the couple said. Yes, all of this is true.\nBut you have to be on your guard buying vehicles from Craigslist listings. Over the past several years the number of scams has increased. Then there is the problem of his reason for the cash.\nThe couple could also be charged with a crime\nIf you knowingly participate in scamming a spouse in the middle of a divorce. You’re helping a spouse hide assets. That opens you up to being a party to a crime, which can include jail time.\nAnd finally, that saying about being too good to be true? Over the centuries it has been proven millions of times. Yes, centuries. It dates back to 1580 for author Thomas Lupton’s “Sivquila.” And no, it’s not tequila misspelled.\nSo just the fact it rings so true in 2022 means something. Use it to guide your private party purchases.", "label": "No"}
+{"text": "You beat Dick's price by $23.00!\nGood experience shopping at sunnysports.com\nLove it! Thanks guys, great price and great service!\nthe price was great.\nSite was easy to navigate and the purchasing expereince was good\nYou guys have a nice website with really good prices on name brand apparel.\nGreat place to shop with the best prices anywhere - That's why I bought this PFD here\nSunnySports it the best in the word.. I love SonnySports..!", "label": "No"}
+{"text": "The Best Deals of Property Aparri. Value for money Aparri. Search, Look Find Aparri Real Estate in Philippines.\nNo result. Refine your search using other criteria.\nWanted Designer Lapu Lapu, Lot for sale, Wanted Electrician Manila, house and lot for rent, Equipment Rental Cebu City, office space for rent, Wanted Mason Taguig City", "label": "No"}
+{"text": "Whatever the size of your company, the significance of obtaining service from a leading engineer and architect insurance company shouldn’t ever be underestimated. The present state of the economy means that it is more essential than ever before for architects to make every effort to protect their personal finances as well as the assets of their firm. As a business owner, having all your bases covered is a high priority. In the architecture area, this is vitally significant as a small error or omission can lead to substantial amounts of high-priced litigation. Even if you are found not liable in the end, the price of such litigation is frequently enough to wipe out a small or medium sized firm. This is before you even consider the potential damage to your reputation. If you care about your company’s success, teaming up with an independent architect insurance company is crucial. Fenner & Esler is a highly skilled independent architect insurance company which can help you navigate this difficult course to discover the best architect insurance for you.\nThe one size fits all policies found from other architect insurance companies online deter a lot of architects from getting policies which will be effective and are going to suit their needs. Too many beginning architect make the potentially career ending mistake of not having structural architects liability insurance at all, since they are so frustrated with these cookie cutter plans. Beginning architects make this error more often than you might expect. Many feel it’s better to keep putting money away in the event of an emergency, believing the only other alternative is paying for expensive insurance services they don’t really need. There are many issues with this particular scenario, however. First of all, taking from the money that was put away is way too easy, and should a serious issue come up unexpectedly, the financial security of the corporation is now in question. Many court cases are filed years after the project has been completed, and that means you won’t ever know when you’ll need coverage. Second, underestimating how much money is going to be needed for litigation is easy. Such court cases are known to drag on for years and can devastate or bankrupt your company, as well as the damages to your professional standing. Finding an independent architects insurance company which is able to provide scalable architect insurance to satisfy your precise needs is a much better option, and one which will ensure the future of your company.\nArchitects Insurance Company\nConsidering the various online insurance offers, you might discover it challenging to find the best architects insurance company. Comparing different policies the insurance carriers offer can also be hard, because they’ve got a lot of different factors, like exclusions, deductibles, and riders. The few clear-cut policies that promise to offer comprehensive architects professional liability insurance are generally substantially costly and frequently over-insure architects in solo practices or small businesses.\nArchitects Insurance Companies\nWe have worked with design professionals for many years as an independent architect liability insurance brokerage, and so we’re well aware that no two architecture firms have the exact same requirements. Given the distinctions in the nature of the projects along with the experience of the professional in the firm, every company has to deal with unique risks, so their needs in terms of architect PL insurance additionally vary. At Fenner & Esler, we take the time with each one of our clients to learn about their business and listen to the things they’re concerned about. Based upon these details, along with our industry expertise, we develop a comprehensive architect errors and omissions insurance policy with protection from A-rated carriers customized to match the specific requirements of our clients. By doing this you not only have an architects insurance policy that’s affordable, but will supply you with the exact coverage you need.\nWith over 30 years experience providing architect insurance coverage, you’d be hard pressed to find a better independent architect insurance company. As an independent brokerage specializing in meeting the insurance and risk management requirements of our clients, our dedication lies with the design professional we serve rather than insurance agents whose responsibilities are with the businesses with which they work. Another advantage of partnering with an independent architects liability insurance company is that our representatives use their in-depth knowledge of the dangers involved in the design industry to craft customized insurance policies that meet the needs of your company today, that possess the flexibility to change since your insurance conditions differ in each period of your career.\nArchitects Insurance Broker\nWhen you buy a one-size-fits-all architects insurance policy that you find from many larger online architects insurance companies, you don’t typically receive information about the design industry’s best practices as far as risk management. While it’s possible to spend hours studying this information, you still need to discover if a certain recommendation applies to your practice and is consistent with all the laws and regulations in your state. At Fenner & Esler, we will not just develop a personalized architect errors and omissions insurance coverage policy to suit your needs but will additionally serve as your partner in risk management. From informing you of most cutting-edge industry practices that pertain to your practice, to evaluating contracts and providing guidance about ways to shield your business, Fenner and Esler provides you with the peace of mind that you’re doing everything possible to protect your business from frivolous claims and costly litigation. If you hire us for architects liability insurance, you can be sure you’ll be working with an independent architect insurance brokerage that you can trust with your practice.\nArchitects & Engineers Insurance Company\nBeing a top quality independent architects liability insurance company, we’ve developed and maintained relationships with sound A-rated architects liability insurance carriers. You can rely upon your architect professional liability insurance plan to be there when you really need it. We offer professional liability insurance policies that are scalable, so they are perfect for young architect that are just getting their company started. We’re able to modify your coverage as your company grows, so that your are consistently protected against suits regarding claims of errors or omissions. For architects getting ready to retire, we come up with affordable tail insurance policies that offer coverage in case a former client makes the decision to file a lawsuit years after a project is completed. This is one of the reasons we’re a top choice for those looking for architects insurance companies.\nArchitects Insurance Brokers\nWe have worked hard to earn our reputation and don’t take it for granted. In addition to our services for architects, we also supply environmental consultants insurance, surveyor insurance and architects insurance, serving a broad array of professionals in the design industry. Whether you would like to renew your architects PL insurance, ascertain if you have sufficient architects E&O insurance, or you want to investigate different choices for a new architect insurance plan, we’ll listen to your concerns so we recommend the best policy and risk management strategy. When the financial viability of your practice is at stake, trust a top quality architects liability insurance brokerage in the business, Fenner & Esler.", "label": "No"}
+{"text": "Instead of betting with real cash, and nowhere is this more evident than in the world of online gambling. Card counting is a strategy that involves keeping track of the cards that have been played to determine the probability of certain cards being dealt in the future, online casinos that offer wager-free bonuses are rare.\nHow To Win Money From Pokies\n|What are the odds of winning the top prize on pokies in Australia\n|Play deposit casino pokies free win real money it operates under the jurisdiction of Curacao, our Live Casino also offers a variety of unique and exciting games that you won’t find anywhere else.\n|What are the best free no registration pokies games available to play in Australia\n|If you are looking for a way to start gambling without risking your own money, with serious rewards on offer it is noBrisbanethe game it is growing fan favourite in recent months.\nWhat is the amount of the welcome bonus provided by online or live casinos?\nBitStarz offers a wide range of Netent games, where it matters. The amendment was a welcome change for Australian players, gambling casinos in australia depositing Bitcoins into your Cloudbet account is a simple and easy process.\n- Best real popular pokies australia from poker, so players can always enjoy their favourite titles at any time.\n- This gives players an extra chance to win, what are the current ace pokies coupon codes available for australian players who opened up the first casino in Bad Homburg.\n- Secure pokies instant withdrawal australia in the Burn em Up slot machine, but you must be careful as youre aiming for those golden safes.\nBest Online Casinos To Play Big Red Pokies Game In Australia\nWhether you prefer slots or table games, you need to verify your identity by providing some additional information. It’s simple – just sign up for a new account with a participating online casino and make your first deposit, what online casinos offer pokies with bonus games in australia such as your address and government-issued ID.\n- Traditional casinos, the World Heavyweight Boxing Champion at the time.\n- Top-Rated Casino Games for Gamers of All Levels.\n- It would help if you read the bonus terms for the free spins bonus, all attempts by the state’s power men have been to force through legislation on a federal.\nIs there a way to determine if an online casino is reputable and trustworthy?\nPlaying this Vegas casino theme based online video slot machine displays its depth with show girl, top ten casino pokies allowing affiliates to earn a significant income by promoting the BK8 Casino brand. The bonus and any winnings associated with it will be forfeited, and the gameplay is identical. However, Croatians can play virtually every casino game out there.\nGet ahead of the game with our expert casino dice rules and winning tricks. The first step in making a deposit at an Australian online casino is to choose a payment method, don’t try to chase your losses by betting more. Another optional bet is the 6 Card Bonus bet, virtual au pokies casino gaming KKPoker focuses on amateurs.", "label": "No"}
+{"text": "When you’re looking for Cheap Cruise Shirts, it’s important to find the best deals. There are a few different ways that you can do this, and we’re going to discuss three of them in this article.\nFirst, shop online. There are a number of websites that sell Cheap Cruise Shirts, and they often have discounts or sales going on.\nSecond, buy used Cheap Cruise Shirts. You can find some great deals on used clothing, and you may be able to find Cheap Cruise Shirts that are barely worn.\nFinally, wait for a sale. Many stores offer major discounts on Cheap Cruise Shirts around holiday seasons like Black Friday or Cyber Monday.\nYou can save a lot of money on Cruise Shirts by taking advantage of these sales.\nSo, there you have it! Three great ways to save money on Cheap Cruise Shirts.", "label": "No"}
+{"text": "Zalando expands shipping area to Ireland and the Czech Republic\nFrom summer 2018, Europe’s largest online fashion retailer Zalando will also be offering its products in Ireland and the Czech Republic. By opening up new markets, the fashion retailer wants to win millions of new customers. In addition, expansion plans are also to be implemented for the German-speaking region.\nThe company announced on Monday (4.6.2018) that these were the first new markets since 2013. By expanding to the new markets, the company would supply a total of 17 countries. Zalando has around 24 million customers in Germany, Great Britain, Spain and France etc. The company announced that the two new markets could reach an additional 15 million people.\nExpansion to Europe\nZalando’s product range is to be expanded to other countries in Europe over the next few years. Zalando board member Rubin Ritter is thinking of Portugal and Eastern Europe. Zalando invests a lot of money in order to grow quickly, to address more and more customers and to be able to supply them. As a result, the company was also in the red at the beginning of the year. New logistics centers are to be opened at regular intervals, the online offering optimized and the range of around 2000 brands expanded.\nZalando expands its portfolio\nThe Monki brand of the Swedish H&M Group will be added to the Zalando range from August on. Monki’s clothing is increasingly aimed at younger customers who also buy from competitors Boohoo.com and Asos.\nZalando wants to reach even more people in Germany and Switzerland and will launch an English version of the German shop and an Italian version of the Swiss offer in the future.\nYou might be also interested in:", "label": "No"}
+{"text": "Today’s society is one, which wants to get things quickly, for a discounted price with little to no effort. However, with Keller Williams Realty, the old belief that working hard for what you want is upheld. If you work hard to find your success, you will value the results. The career you create at KW Realty will be a direct product of your hard work, dedication and intuitiveness for choosing Keller Williams.\nHow to Build Careers Worth Having\nFinding a challenging and rewarding career in today’s job market can be a challenge. When you choose Keller Williams, you will find the meaning of the phrase “Careers worth having, businesses worth owning, and lives worth living.”\nThe key is to approach your real estate career to be the best you possibly can be, and the money and profits will come. Make contacts, be attentive to your clients needs and utilize the many benefits that KW has to offer their agents.\nBuilding careers worth having is started by utilizing KW education and training programs, technology and profit sharing opportunities. It is a fact, no one can work for free. However, if you wish to create a steady stream of income you must be able to do your job well. With the programs, coaching and training, such as the Millionaire Real Estate Agent, you will have the proven steps to building your success. Take advantage of the fact that Keller Williams is invested in your success in the real estate industry. Make sure you learn, practice and put into action the steps and tools that KW sets out for you to build your career worth having.", "label": "No"}
+{"text": "Leather Envelope Clutch\nOur handmade leather envelope clutch wallet is time tested and built to last. How do we know? We’ve been making this envelope clutch since 1972, and some of our first customers are just starting to return to the workshop to pick up a new one and to tell us their stories. Some of the leather wallets that return are almost 40 years old! This women’s envelope clutch is available in black, brown, and red leather.\nCoin Purse Inside\nInside this leather envelope clutch you’ll find a coin purse with a snap closure. This coin purse will hold many coins and is even wide enough to hold US dollar bills.\nWomen’s Envelope Clutch with Bill Slots\nOur women’s envelope clutch has two bill slots. These slots will fit US dollars and bills that are similarly sized from other currencies. They’re are located in the same area and separated by a leather divider.\nCheckbook Holder inside Envelope Clutch\nYou’ll be able to hold your checkbook and register with this women’s leather envelope clutch. It has two slots, so you can insert your checkbook on one side and register on the other.\nCredit Card Insert\nWe’ve added a credit card insert to our women’s leather envelope wallet so you can store credit cards and business cards.\nFull Grain Leather\nOur women’s leather clutch wallet is handmade using full grain leather because it’s the strongest type of leather available. Full grain leather is the top most portion of the leather. You can see the natural grains of the Bison hide. We use only the best full grain Bison leather for your women’s clutch wallet. You’ll get a long lasting leather clutch that will develop an amazing patina as it ages.\nGenuine Bison Nickel Snap\nOur women’s leather envelope wallet features a flap that latches with a Buffalo Nickel snap closure. That means that your bills, credit cards, and coins will stay secure. This leather clutch wallet has a checkbook holder, check register holder, credit card insert, coin case and bill slot with a divider. You can easily open and close this leather clutch wallet using the genuine buffalo nickel clasp.", "label": "No"}
+{"text": "Sigma Wireless and Nokia win ESB mobile network contract\nThe deal is to supply and install a new LTE-based private wireless system over a three-year period\nESB Networks has awarded a contract to Sigma Wireless and its partner Nokia for the development of a private mobile network.\nNokia will work with Sigma and ESB to supply and install the new LTE-based private wireless system over a three-year period.\nA dedicated Smart Grid telecoms network forms part of ESB Networks' Innovation Strategy that aims to bring many benefits to Ireland from an environmental, economic and customer perspective.\nPhil Siviter, UK and Ireland ...", "label": "No"}
+{"text": "What is consultancy?\nConsultancy is when a person or organisation gives professional advice on a subject they’re highly knowledgeable in. They offer a service that is specific to the organisation. First, the needs of the organisation will be looked at and will establish the following:\nOnce these questions have been answered, the next stage is to establish what the best course of action is to help the organisation, based on their requirements.\nHow can the best possible service be provided to the organisation, based on their needs? A good place to start is by looking at what you have to offer the organisation, what is at your disposal that can offer a solution to their needs?\nNext, looking at what you can contract in to offer a solution. For example, if they need to save money on their electricity, do you have a supplier to hand that you know can offer a cheaper service, or will you have to run a tender process to find a cheaper supplier that can still provide an excellent service?\nThere are many advantages to consultancy, the biggest being that it provides you with a service that is specific to your needs and if you work with the right company, you can be working with someone on a one-to-one basis, so they really understand your needs and the vison you have for your organisation.\nA much-changed funding landscape…\nAs of January 2021, there were over 169,000 charities operating in England and Wales, and whilst they are all delivering invaluable services for their beneficiaries and communities, they must compete with one another for funding.\nWith cuts to funding showing no sign of reversing for the foreseeable future, charities will need to prove that they are a safe place for public donations, for commissioners to spend their budgets, and for foundations to get the most impact for each pound granted.\nThe Covid-19 pandemic has created real pain for charities that rely on their retail operations for income, with non-essential shops being forced to close for extended periods over the last 18 months or so. This has resulted in significant a reduction in income for many charities despite their high street presence.\nSome good has come from the pandemic. Studies show that 59% of the public donated to a charity during the first lockdown, with the likelihood of public donations rising by 12%. Although this is a welcome development, it won’t replace the funding cuts from government, trusts and other bodies, meaning charities need to look even harder at reducing their indirect costs; this is where bespoke consultancy comes in.\nFunding after lockdown\nThe funding environment for the third sector has changed over the last 18 months or so because of the impact of Covid-19 and the closure of the retail sector for long periods. But the truth is that the available funding for charities has shrunk in recent years, and charities have to think more than ever before.\nIt’s not enough to concentrate on fundraising and income: efficiency of operation and achieving value for money in the cost base is more vital than ever. This is where better procurement, even small changes and improvements, can produce value and improve the bottom line.\nStill, a lack of procurement knowledge, or the available funds to employ procurement specialists, can lead to an organisation haemorrhaging cash that could be used delivering core services.\nWhat is procurement?\n“Procurement and supply management is the process of acquiring the goods, services and works that enable an organisation to operate in a profitable and ethical manner.” (CIPS, UK). It involves the ‘whole life cycle’ of the product, services or works, from identifying the need, to defining the specification, agreeing terms, seeking quotes/tenders, awarding, and signing contracts through to contract management and eventually product disposal or decommissioning of services. Ensuring you have professional expertise, support, and best practice tools to review and manage your procurement process is vital for securing the best value for money and in turn generating benefits that reduce cost, save money, time and effort.\nHow can procurement help a charity?\nGood procurement can slip between the cracks and get put on the backburner for many charities, simply being viewed as a ‘back office’ function with no defined strategy or responsibility. There is so much going on, with little resource that it’s hard to find the time to go through a proper procurement process.\nIt’s difficult to put the effort in to finding suppliers that offers the best value for money and cultural fit. Management of suppliers and contracts can also seem like a luxury when resource is tight.\nMany charitable organisations do not have a person, department, or team that is dedicated to procurement. This increases the risk of spending more than is needed for supplies or services through duplication of procurement across the charity or without a single organisational procurement strategy.\nProcurement can help a charity by recognising areas of overspend and rectifying the problem. It can reduce the risk of contracts becoming ‘evergreen’ and an organisation paying over the odds for supplies/ a service because it’s with a supplier that they are used to working with.\nUltimately, procurement can reduce spend for charities so they can put the saved money to good use.\nWhat will change if a charity invests in consultancy?\nProcurement for a charity is always changing. A charity can face a constant fluctuation in funding, regulations being continuously updated through law changes making it very difficult to have a failsafe plan to follow every time they need to review or renew a contract.\nFurther to this, increasing supply issues and risks are causing difficulties which can have the potential to become very real and dangerous risks to a charity being able to function effectively and normally.\nCharities that do invest in procurement expertise and have a procurement strategy and process often give commissioners and grant-making organisations the assurance they need to award grants and contracts to those charities; but it is also recognised that smaller charities do not have the expertise needed.\nMany charities don’t have the surpluses required to employ a procurement team or professional, and resources are concentrated on achieving their charitable objectives. Procurement consultancy can help charities realise savings, additional income, and free-up resources to concentrate on the delivery of core services.\nWhere can procurement support be accessed?\nWithout the funds to employ a permanent procurement specialist, charities are turning to external support from trusted procurement providers like 2buy2, either through engaging for one-off projects for large procurements or on a ‘retainer’ basis where support can be ‘called on’ as and when required.\nThose charities that do invest in external support can be assured that the initial cost is outweighed in either cashable savings (from good procurement) or efficiencies elsewhere. A good procurement professional will always produce value.\nEvery charity is different, from the staff that keep them running, to the cause they are dedicated to, and the awareness members of the public have of the charity. When every charity is different, they are going to have different needs, which is why 2buy2 can tailor our procurement support package to suit each individual charity on a bespoke basis.\nProcurement services that can help\nOur charity procurement services and support in a range of ways:\nCharities, like any other organisation, face a lot of obstacles they must overcome and competition for budget. For example, maintaining core services whilst looking for savings and efficiencies in processes. Employing a dedicated procurement resource can be difficult and, in some cases, completely unviable.\nWith bespoke procurement support through 2buy2, a charity can access help when it’s needed, and the specialist will bring with them the knowledge and experience necessary to deliver what the charity needs at that point in time. Whether that’s running a tender for specific goods, services or works, or setting-up of supplier/contract management processes, for example\nWe offer professional help and expert advice that charities can use once or continue to apply to further procurement exercises.\nFor charities with established procurement functions, our support can provide additional resource at busy times, or category specialism to address a specific need, or act as a ‘critical friend’ to ensure that all policies, processes, and procedures are tuned to the needs of the organisation – particularly following a period of turbulence and change.\nFor any charity that wants to save time, money, and effort, or needs to align activities with winning bids, then 2buy2 has the answer.", "label": "No"}
+{"text": "Actually, available through Sunday:\n$15 for $30 worth of food, etc. at Alonso's/Loco Hombre. Good through June 2011.\n[Insert usual disclaimers, fine print, etc. re: Groupon. I have no financial stake in this.]\nThanks to the reader who tipped me off to this.\nFriday, a Cocktail and a Fratello\n10 hours ago", "label": "No"}
+{"text": "singulair price australia Buy\nWithout Prescription Cheap. singulair price australia Free Airmail Or Courier Shipping, Free Courier Delivery, We Accept Visa, Mastercard, Amex, Diners\nsingulair price australia rating\n5-5 stars based on\nCompare Singulair 10 mg prices from verified online pharmacies or local U.S pharmacies. Shop safely and save money on prescription medication today.\nMuch does singulair cost without insurance, singulair tabletas 4 mg, montelukast 4 mg tablets, montelukast 10 mg para que sirve, para que sirve el ...\nYoure the singulair price australia only one who has enough clothes to conceal weapons, he said. Beenbated with satirists, philanthropists from standalone place fianc?e and singulair price australia anthropoids charged. Sidesaddle singulair price australia with unrattled when ferocious, allowing hsin, who drift of.\nYour doctor has weighed the risks of you taking SINGULAIR against ... Singulair 10mg Tablets 28 ( Generic ... 28 ( Generic Drug name: MONTELUKAST SODIUM ...\nChemist Warehouse - We Beat Everyones Prices? Shop at our Online Pharmacy for authentic Fragrances, Prescriptions, Vitamins, Weight loss, Baby Care ...\nSingulair Price Australia singulair price australia montelukast price australia she has been given an outsider, an essay asserts that describe othello meaning fresh essays singulair tablets australia for those focused on the balance sheet side of the business. two of these three phases as though one singulair cost australia singulair 10mg price australia\nSingulair Cost Australia singulair 10mg price australia singulair price australia with a thundering beat, whispering the deep-green pines and old stones of the valley8217;s and encompasses montelukast price australia singulair cost australia but first, physicians and patients have to be aware that this is a problem singulair tablets australia\nSingulair Cost Australia when considering purchasing any grow light, one should carefully examine both the spectrum and the intensity of the light.\nSingulair Price Australia singulair price australia however, there are two metabolites that have been found to be far more water soluble, these are ...\nSingulair Cost Australia singulair 10mg price australia real beauty page nebulizer albuterol the concentration of online lending operations here is not a point of regional pride, but it does point to a wealth of financial, technical and montelukast price australia thus, the target number of evaluable subjects (34) in each group was achieved.\n5-5 stars based on 212 reviews", "label": "No"}
+{"text": "Got a link?View attachment 33798 Installed tranny (can we still say that word??!! Lol) skid. Went ahead and spent the extra $150 for the cat guard. I have heard a lot of people say they will just let insurance handle if stolen. $150 to make harder for them to steal and hopefully move on seems like good insurance to me. Would rather not have the hassle or the possible insurance rate hike.", "label": "No"}
+{"text": "WARNING: Case settlement is not for the “do-it-yourself” types. This is because there is no cookie-cutter answer for how easy or difficult settling a claim will be. Each claim is different and has unique factors and complications. In most cases, the average person does not know how to mitigate the various complications that might pop up during the case.\nIn addition, regardless of who the liable party is, you will be fighting against an experienced insurance company whose goal is to pay you as little as possible. So, unless you want to be taken advantage of by an insurance company and receive only a small portion of what you are entitled to recover, you should speak to a competent personal injury lawyer for free legal advice before you accept any settlement offer.\nTo determine how difficult your case might be to settle, consider the following questions:\nWho caused the accident?\nPersonal injury claims are more difficult to resolve when it is unclear who caused the accident.\nFor example, consider a car crash at a four-way intersection with traffic lights. The driver who ran the red light and crashed into you is ultimately at fault. If a traffic camera caught the crash on film, then your personal injury claim will probably be an open and shut case.\nBut if you and the other driver both claim your light was green and there is no traffic footage or eyewitness testimony to determine who is lying, your claim will be more difficult.\nOther complications can arise when both parties might be partially to blame for the accident.\nWho is the other party?\nAnother factor that can increase the difficulty of your personal injury claim is the identity of the other party involved. Is it an average Joe, a billionaire, an international corporation, or a government entity? Depending on the answer, your claim could be more or less complicated to resolve.\nFor example, if you were injured in a collision with a Broward County Transit bus, then you will need to take additional steps before you can recover compensation, including filing notice of the accident within a specific timeframe, because the bus is operated by a government entity.\nClaims against corporations, on the other hand, will be difficult to resolve on your own because the corporation will likely have a team of lawyers to defend it against liability.\nHow badly were you injured?\nDepending on the severity of your injuries, your personal injury claim could take more time and effort to resolve than you might think. This is because you should never settle a claim until you have fully recovered from your injuries, which could take months or even years.\nIf you settle a personal injury claim before you are a hundred percent healed, you might not get the full compensation you deserve. For example, if you accept a settlement check and then it later turns out that you need an expensive surgery, you cannot go back and ask for more money.\nIs the insurance company working with or against you?\nWhether you are working with your own insurance company or another driver’s company, simple personal injury claims can quickly become difficult if that insurance company refuses to work with you.\nMost insurance companies, even your own, will not be working with you. These companies know that most people do not fully understand how the insurance process works and will use their advantage against you. Sometimes this means offering you significantly less than your personal injury claim is worth.\nOther times it means constantly delaying your claim while stating that they are researching the accident. If you let an insurance company delay for too long, the deadline to file a lawsuit could pass and you could lose your right to recover the compensation you deserve.\nGet help from a Fort Lauderdale personal injury lawyer today.\nIf you need help with a difficult personal injury case, or if you just want to speak with a personal injury attorney to find out more about your claim, contact the attorneys of Coffey Trial Law. Our firm deals with personal injury cases every day. We know how to determine the value of your claim and can spot when an insurance company is trying to underpay you.\nCall us today at 954-541-3194 to set up your free initial consultation.", "label": "No"}
+{"text": "The Intriguing World of Offers and Agreements to Purchase\nSomething fascinating concept offers agreements purchase. These legal terms play a crucial role in the world of business and commerce, yet they often go unnoticed by the general public. But for those of us who are passionate about law and contracts, these concepts are truly captivating.\nWhen we think about the process of buying something, we often overlook the intricate legal details that underlie the transaction. But when we delve into the world of offers and agreements to purchase, we uncover a wealth of complexity and nuance that is truly awe-inspiring.\nAt its core, an offer is a proposal made by one party to another, indicating a willingness to enter into a contract. This offer must be communicated in such a way that the other party is aware of its existence and can respond to it. Once an offer is made, the other party has the opportunity to accept, reject, or negotiate the terms of the offer.\nWhen the party receiving the offer agrees to its terms, this creates an agreement to purchase. This agreement forms the basis of the contract between the two parties, outlining the terms and conditions of the transaction.\nCase Study: Carlill v Carbolic Smoke Ball Co\nOne of the most famous cases illustrating the concept of offers and agreements is Carlill v Carbolic Smoke Ball Co. In landmark case, company placed advertisement promising pay £100 anyone used product directed still contracted influenza. Mrs. Carlill did so, but when she tried to claim the reward, the company refused to pay. The court ultimately held that the advertisement constituted a legally binding offer, and Mrs. Carlill entitled reward.\nAccording to a recent study, 72% of consumers believe that a clear and compelling offer is the most important factor in their decision to make a purchase. This highlights the significance of offers in the world of commerce and emphasizes the importance of understanding the legal implications of these offers.\nWhether you are a business owner, a consumer, or a legal professional, a solid grasp of offers and agreements to purchase is invaluable. From negotiating deals to resolving disputes, these concepts have far-reaching implications in the world of business. By understanding the intricacies of offers and agreements, you can navigate the complexities of commercial transactions with confidence and clarity.\nSo, the next time you come across an offer to purchase, take a moment to appreciate the legal intricacies that underlie the transaction. The world of offers and agreements is a rich tapestry of legal principles and practical applications, and it is truly a subject worthy of admiration and study.\nOffer and Agreement to Purchase: 10 Popular Legal Questions and Answers\n|1. What constitutes a valid offer in a purchase agreement?\n|An offer must be definite, clearly communicated, and show an intention to be bound by its terms. It should also be directed to a specific person or group of people. In essence, it must create a reasonable expectation that the offer will be entered into.\n|2. Can an offer be revoked once it has been made?\n|Yes, an offer can be revoked before it is accepted. However, the revocation must be communicated to the offeree before they accept the offer. Once the offer is accepted, it becomes a binding contract.\n|3. What is acceptance and how does it relate to a purchase agreement?\n|Acceptance is when the offeree agrees to the terms of the offer, creating a binding contract. It must be communicated to the offeror and must be made without any modifications to the original offer. Once accepted, both parties are legally obligated to fulfill the terms of the agreement.\n|4. Can an offer be terminated by the offeree?\n|Yes, an offeree can terminate an offer by rejecting it or by making a counteroffer. A counteroffer acts as a rejection of the original offer and creates a new offer for the original offeror to accept or reject.\n|5. What happens if an offer is unclear or ambiguous?\n|If an offer is unclear or ambiguous, it may not be considered a valid offer. The courts will look at the intentions of the parties and the surrounding circumstances to determine if a valid offer was made.\n|6. Are there any requirements for the consideration in a purchase agreement?\n|Consideration is a necessary element of a contract and refers to something of value exchanged between the parties. It can be money, goods, or services, and must be sufficient but not necessarily fair. It must also be bargained for and not given as a gift.\n|7. What difference offer invitation treat?\n|An offer is a definite proposal to enter into a contract with specific terms, while an invitation to treat is an invitation for others to make an offer. For example, displaying goods in a store window is an invitation to treat, not an offer to sell.\n|8. Can a purchase agreement be created verbally or does it need to be in writing?\n|A purchase agreement can be created verbally, unless the law requires it to be in writing. However, having a written contract is always recommended as it provides clear evidence of the terms agreed upon by both parties.\n|9. What happens if one party breaches the purchase agreement?\n|If one party breaches the purchase agreement, the other party can seek legal remedies such as damages or specific performance. The specific remedies available will depend on the terms of the contract and the laws governing contracts in the relevant jurisdiction.\n|10. Can an offer and acceptance be made through email or other electronic means?\n|Yes, offers and acceptances can be made through email or other electronic means, as long as the parties involved have the necessary authority to enter into the contract electronically. However, it`s crucial to ensure that electronic communications comply with any applicable laws regarding electronic signatures and contracts.\nOffer and Agreement to Purchase Contract\nThis Offer and Agreement to Purchase Contract (“Contract”) entered made effective [Date], parties identified below.\nWhereas the Offeror is interested in purchasing certain goods or services from the Offeree, and the Offeree agrees to sell said goods or services, both parties hereby agree to the following terms and conditions:\n- Offer Acceptance: Offeror hereby offers purchase Offeree accepts offer sell goods services described Contract.\n- Consideration: The consideration purchase sale goods services shall set forth Contract, shall paid manner agreed upon parties.\n- Delivery Acceptance: The goods services shall delivered accordance terms Contract, shall deemed accepted Offeror upon delivery inspection.\n- Indemnification: The parties agree indemnify, defend, hold harmless each other from against any claims, losses, damages, liabilities, expenses arising related purchase sale goods services.\n- Governing Law: This Contract shall governed construed accordance laws [State/Country], without regard its conflict laws principles.\nThis Contract, along with any attachments or exhibits, constitutes the entire agreement between the parties with respect to the subject matter hereof, and supersedes all prior and contemporaneous agreements and understandings, whether written or oral, relating to such subject matter.\nIn witness whereof, the parties hereto have executed this Contract as of the date first above written.", "label": "No"}
+{"text": "Boatlife Solutions is visiting METSTRADE in Amsterdam. Take the opportunity to set up a meeting with the CEO Mr. Fredrik Jansson.\nBoatlife Solutions is, one of the new names in the market of marine products, spare parts and equipment. The company was established in 2019, with a focus and dedication to build a reputable business in the industry. We are trust-worthy and continuously strive to work with fair & ethical business policies", "label": "No"}
+{"text": "ARTpool Vintage Women's Clothing hours:\nWednesday - Sunday 12pm - 5pm\nPlease note that until further notice we will not be buying clothing, jewelry etc. from the public. Vinyl Records will be evaluated for purchase on a case-by-case basis. Thank you for understanding.\n2030 Central Ave\nSt Petersburg, FL 33712", "label": "No"}
+{"text": "Cut – The Slits\nOriginal price $48.00 - Original price $48.00\n$48.00 - $48.00\nCurrent price $48.00\nCondition: Brand New\n- Release details\nThe British post-punk band The Slits consisted exclusively of women. \"Cut\" is considered the defining album of the post-punk era. Kurt Cobain listed the song \"Typical Girls\" in a list of his 50 favourite songs. Already before their debut album The Slits played as support for The Clash.\nReviewAllMusic rating:AllMusic users:", "label": "No"}
+{"text": "Georgia Ports Approve $19.7 Million For New Inland Terminal\nAt its July board meeting, the Georgia Ports Authority approved a spending package of $19.7 million to construct the Appalachian Regional Port (ARP) in Chatsworth, Murray County, Georgia.\nThe funds consist of $10 million from the state of Georgia and $9.7 million from the GPA. In addition, the rail transportation carrier CSX Transportation is making off-site improvements to facilitate the new inland port. Murray County purchased the land at a cost of $700,000 and deeded the site to GPA. For the land purchase, $500,000 came from a state economic development grant and $200,000 from the Murray County Economic Development Authority.\n“The Appalachian Regional Port will create a new gateway to the Port of Savannah for our customers serving Georgia, Alabama, Tennessee, Kentucky and beyond,” said Executive Director Griff Lynch. “We estimate the ARP will offset more than 350 truck miles per container, or close to 18 million miles every year.”\nThe new inland terminal is the second for the GPA and part of the Network Georgia program designed to create inland terminals throughout the state to reduce intermodal truck traffic and provide greater rail capacity to the southeast U.S. and beyond.\nThe inland terminal in Chatsworth will be approximately 40 acres and be operated using highly efficient rubber-tired gantry cranes to move cargo to and from CSX trains. GPA expects construction to be complete in late summer, 2018.\n“The GPA, the state of Georgia and our partners in the private sector are very focused on rail and road connections to and from our ports,” said GPA Board Chairman Jimmy Allgood. “Establishing these inland terminals will extend our rail advantage into a multi-state region, ease highway traffic congestion, and prepare Georgia’s ports for a new era of growth.”\nAt the same board meeting, Lynch reported the GPA moved 30.8 million tons of cargo and 3.6 million twenty-foot equivalent container units in fiscal year 2016. It is the second straight year that TEU volumes topped 3.6 million. Despite a decrease of 1.3 percent in containers for fiscal year 2016, combined annual TEU growth for fiscal years 2015 and 2016 reached 15.4 percent.\n“Overall, fiscal year 2016 container volumes exceeded expectations due to inflated market share associated with last year’s west coast cargo diversions,” said Lynch. “When our new customers experienced the seamless connection between Georgia’s ports, rail and roads, they decided to grow their business here. This coming year we will be focused on increasing our capacity, expanding our reach into new markets and providing superior supply chain solutions for our customers.”\nGPA estimates that 24 percent of the approximately 320,000 TEUs diverted to the Port of Savannah over fiscal year 2015, or more than 75,000 TEUs, was retained by the Authority.\n“Georgia’s deepwater ports are a powerful magnet for new business,” said Allgood. “Thousands of manufacturing and logistics companies are already capitalizing on the competitive advantages offered by the ports of Savannah and Brunswick. As our retention of the diverted cargo shows, potential customers continue to choose Georgia when they learn of the savings in time and money that we provide.”\nTIACA Announces the Launch of Regional Symposium", "label": "No"}
+{"text": "Sacyr is a multinational infrastructure and services company listed on the Ibex 35.\nInformation about Sacyr\nCompany CategoriesConstruction and Engineering, Industrial, Real Estate, Real Estate Investment Trusts (REITs), Concesiones, Commercial & Residential Construction, Construcción, Construction, Servicios,\nSacyr executive employees\nFrequent questions about Sacyr\nHow many employees does Sacyr have?\nWhat is Sacyr's industry?\nWhere is Sacyr headquarters located?\nWhat is the website of Sacyr?\nHills Numberplates trades primarily as a manufacturer of number plate components.\nREMAX Realty Consultants is a real estate company in North Carolina.\nHospice of the Western Reserve is a private hospice based in Cleveland, Ohio.\nHills Bank and Trust Company is a banking firm that offers banking, real estate lending, and notary services.\nHOSPICE is the world's largest country bundle offering free of charge specialized services of this type.\nHospes Hotel Group is a highly respected brand in Spain with 10 properties.\nRemax Platinum is a home and property managemment firm based in Alabama.\nHosco, the hospitality network, is dedicated to the recruitment and guidance of hospitality professionals worldwide.\nRECON is nationally recognized enviromental remediation and geotechnical construction company based in Houston Texas.\nRemax Professionals is a real estate company offering home buying and selling services\nKendo does not guarantee or claim any of the information found on this public directory to be 100% accurate or up to date.Information found here is gathered from a variety of online and offline sources.\nIf you wish to exclude your personal data from this public directory send us an email to firstname.lastname@example.org", "label": "No"}
+{"text": "Item # 257175\nStash Points: 1,499(?)\nWant it now.\nGet it now.\nMake sure all your essentials are stored and secured with the colorful styling of the Thomas wallet from Herschel Supply. Crafted with a orange gradient canvas exterior inspired by dusk, this medium sized wallet features a zipper closure for secure storage and multiple card slots with a currency sleeve and a mobile phone slot to keep your gadgets and money organized.\nThe quantity of an item has been updated based on available inventory at the selected store.", "label": "No"}
+{"text": "Let’s talk replacement windows and lowering the monthly energy bills. Utility bills naturally creep up during extreme weather cycles. Heating bills are highest in the dead of winter, and AC spending soars with rising temperatures in the summer. But, if high utility bills seem to be creeping up and never falling back down, you may have hidden problems that should be addressed. As a replacement window company, Renewal by Andersen of New Jersey & New York Metro naturally recommends people inspect their home’s windows and patio doors for failure that may be causing your spike in utility bills. Replacement windows and patio doors can fix many of the problems seen with aging windows and doors.\nThere are other reasons our New York and New Jersey neighbors are struggling to keep heating bills in line this year. Here are a few things to consider.", "label": "No"}
+{"text": "Greek tourism has been hit hard by Europe’s financial crisis, and on the island of Agistri there is anxiety beneath the veneer of a usually warm welcome.\nFlotilla of more than 1,000 boats along the Thames to mark Queen's Diamond Jubilee celebrations evoke river's glorious past and highlight how stretch of water should once again be fully utilised.\nEurope’s fourth biggest economy, Spain, is about to make a formal request for money from the European Union to save its banks, according\nIt’s time Europe’s leaders woke up to the fact that the currency is overvalued and its debts unsustainable.\nEurope's leaders could soon be facing a moment of truth on whether to bail out the economy of a country much larger than Ireland, Portugal and Greece put together.\nMore than a decade after the end of the civil war, the images of the mutilated children, and the women who were violated, still haunt.\nAzerbaijan has hosted a song contest of world-class proportions but the event has focused attention on the country's internal issues.\nFans of the contest have descended in droves on Azerbaijan's capital Baku, where 300 families were forcibly evicted to make way for the contest site.\nFormer oil baron, in jail for nine years now, tells Al Jazeera there is now a demand for modern state institutions and for political competition in Russia.\nThe former Bosnian-Serb military commander appears proud and defiant, not once showing signs of regret as he stands trial for war crimes and crimes against humanity.", "label": "No"}
+{"text": "Would you be wealthy if you had the one secret to being as profitable as you can be in your online business? Well, no one knows that answer for sure, but you can start by reviewing all of your business costs, such as how much you pay for your monthly toronto web hosting. There are many tips in this article which can help you to ensure that the plan you have is the one you need.\nAll good web hosts offer a variety of add-ons to their plans, but the types of features will differ between companies. When comparing hosts, be sure you are including the features that you need. For instance, one host may offer a low price package, but you can find you really have to get the higher priced package to get the feature you want.\nResearch multiple companies before making a final decision. If you rely on the recommendation of only one or two people, your chances for making a mistake are much greater. Perhaps those people have limited experience with websites and hosting or they have some kind of affiliation with the hosting service they are recommending.\nAlways check into the security precautions provided as you shop for a web host. In today’s online environment, security risks are rampant and websites are often vulnerable to attacks. You need to be sure that your host has the ability to deal with threats, such as viruses and DDoS attacks. You need to ask about the potential risks associated to your website if your web host is under attack.\nFor most people, it is best to pay-as-you-go rather than commit to a long-term hosting contract. You never know what the future will hold when it comes to your business or the web host. If the web page hosting company goes out of business, service declines or your company outgrows your current hosting plan, you might not be able to get back money that was paid for months that you have not used.\nA SSC or secure server certificate is worth the price, so pick one up with your website hosting account. You can add an icon to your website which informs users that your site is secure, and this can make them more trusting of the transaction security on your site.\nDoes the host which are you are considering offer a refund guarantee if you are not satisfied? Be sure that you can cancel and get all of your money back within 30 days if you are not satisfied with the service. Not every web host is as good as advertised.\nThere are many things that can affect the price of your hosting choices. It is worth your time investment to review the options as they pertain to your business, and choose the web page hosting company that offers the most of what you need, at a price that leaves money in your wallet at the end of the month.\nPeople don’t know how to find information about social media company toronto online. This article, luckily, is exactly what you need for that. You do, however, need to apply what you’ve learned to realize any benefit from this article.", "label": "No"}
+{"text": "Nikol Pashinyan, Vladimir Putin hold private conversation\nYEREVAN, MAY 16, ARMENPRESS. Prime Minister Nikol Pashinyan held a private conversation with President of the Russian Federation Vladimir Putin in the Kremlin, ARMENPRESS was informed from the Office of the Prime Minister.\nThe Russian President said, “Honorable Nikol Vladimirovich, we are in constant touch, discussing issues of bilateral agenda and regional issues. However, there are always numerous questions, which obviously indicates the intensity of our dialogue. At the beginning of our bilateral talks, I would like to note that over the past year we have seen a significant increase in trade turnover, investments continue, and we continue to work actively on the settlement of the Karabakh conflict in the trilateral format, together with our Azerbaijani partners. There are many issues, I am glad to have the opportunity to meet you and talk about all topics.\"\nIn turn, The Prime Minister of Armenia said, “Honorable Vladimir Vladimirovich, let me once again thank you for organizing the CSTO jubilee summit and for the traditional warm reception. Of course, the 30th anniversary of the Collective Security Treaty and the 20th anniversary of the Collective Security Treaty Organization are remarkable events, and I think we had a very meaningful conversation. It is very important that this conversation is future oriented, it’s about the further development of our Organization.\nOf course, less than a month has passed since my first official visit to the Russian Federation. We had a very meaningful conversation then, and as you rightly noted, our bilateral agenda is so abundant that we could meet more often. We are in constant touch, we often have telephone conversations. In terms of the economy, I would like to note that after a certain decline in March, intensification of bilateral economic ties is noticeable. We see investment interest from Russian business, wishing to invest in Armenia. And I know that in this issue you are also encouraging Russian businessmen to invest in Armenia. I want to thank you for that.\nOf course, I hope that today we will discuss issues related to regional security, stability, the settlement of the Nagorno-Karabakh conflict, as well as the important role of the OSCE Minsk Group, as we mentioned in our joint statement. I would like to share some information with you, so thank you for the meeting.\"", "label": "No"}
+{"text": "Lazio land duo\nBy Nadia Carminati\nLast Updated: 01/01/70 1:00am\nLazio signed Sebastiano Siviglia and Andrea Giallombardo before the deadline.Lazio added to their squad before the transfer deadline by bringing Sebastiano Siviglia and Andrea Giallombardo to Stadio Olimpico.\nCoach Delio Rossi was keen to strengthen his squad before the close of the transfer window and he secured last minute swoops for Siviglia and Giallombardo.\nSiviglia returns to the Eternal City after a loan spell at the club from Parma last season.\nParma have now allowed the player to join Lazio on a permanent basis, although the length of his contract is unclear.\nIn addition to Siviglia's signing, Lazio have taken Giallombardo on loan from Livorno for the remainder of the campaign.\nParma followed up the sale of Siviglia by shipping Gaetano Grieco out to Napoli on a permanent basis.", "label": "No"}
+{"text": "2019 Consumer Research – Kitchens\n93% are planning to purchase new products to improve and update their kitchens.\nTrust in Today’s Homeowner is at an all-time high, offering valuable leverage to our partners.\n99% of our audience has bought (43%) or would consider buying (56%) products we feature.*", "label": "No"}
+{"text": "View This Report »\nGet Industry Insights. Simply.\nTalk to Amrita\n+1 718 303 2019\nThe market for telehealth includes both remote monitoring of people with chronic conditions, and individuals with cardiac implantable electronic devices (CIEDs). The telehealth monitoring market has grown ...\nAccording to Stratistics MRC, the Global Telemedicine market is accounted for $19.3 billion in 2015 and is expected to reach $52.3 billion by 2022 growing at a CAGR of 15.3% from 2015 to 2022. Factors ...\nThe Saudi Arabia Telemedicine market was estimated at USD 531 million in 2015 and is poised to reach USD 1,006 million by 2020, at a CAGR of 13.7% over the next five years. The largest segments of the ...", "label": "No"}
+{"text": "THREE EASY WAYS TO REGISTER FOR THE\nAKRON CORPORATE CHALLENGE:\nTo Register by Mail, fill out the entry form at the top of the page and mail it according to the instructions on the form.\nNOTE: There is NO processing fee if you pay by check.\nTo Register by Invoice,\nfill out the entry form at the top of the page and email to Dom Tremaglio (email@example.com).\nAn invoice, and instructions for payment will be emailed back to you.\nNOTE: There is NO processing fee if you pay by invoice.\nTo Register Online click the following link to be redirected to our Eventbrite Online Checkout page…\n(Online processing fees do apply to all online submissions – refunds will be handled by Hermes Sports & Events)", "label": "No"}
+{"text": "Broken out from bug 5870.\nAfter making configuration changes in Web Admin it is easy to miss that you currently need to hit \"Save\".\nThere is no indication that a change has been done. For example, when removing an allowed shadower, the item is removed from the list visually, but you need to hit save to actually save the change.\n* automatically save configuration right away (remove the need for a Save button)\n* disable/enable save button if there have been changes\n* warn that there are unsaved changes when closing the popup\nNote that when changing profile order using the arrows on the Profile List page, that change is directly saved into configuration files.", "label": "No"}
+{"text": "Fort Collins, CO\nEncompass Technologies’ comprehensive cloud-based ERP software helps over 600 distribution warehouses increase operational efficiency and manage growth effectively.\nETFMG is a provider of exchange-traded funds (ETFs), with a vision of developing innovative thematic ETFs that provide investors unique exposure to new markets. Today, the ETFMG fund line up provides access to a diverse collection of global themes and is comprised of 75% first to market products.\nWe believe that cannabis has an appropriate place in society. Our mission is to help people live their best life through informed access to cannabis. Ethos currently has interests in the cultivation, processing and dispensing of cannabis in Pennsylvania, Massachusetts, Maryland, Florida, and Arizona...\nEvonik is one of the world leaders in specialty chemicals. The company is active in more than 100 countries around the world and generated sales of €13.1 billion and an operating profit (adjusted EBITDA) of €2.15 billion in 2019.\nSan Francisco, CA\nThe first sustainable, sun-grown cannabis brand to represent two of CA's most special micro-climates and their small farmer ecosystems.", "label": "No"}
+{"text": "After roughly two months of down time, Vermont's Health Connect website is back up and running again. As of Saturday morning open enrollment began as the website rolled out a new look.\nIf you haven't signed up yet for health insurance you have less than a week to do so before you could face a Federal penalty.\nOn Saturday, Vermont Health Connect navigators will be hosting statewide public outreach and enrollment events.\nA $1.8 million contract with a DC based firm helped VT Health Connect create its message to Vermonters as well as analyze media reports.", "label": "No"}
+{"text": "Task Time Percentage: 25% (0.25) of the work week is spent on repetitive tasks.\nIf 25% of the work week is spent on repetitive tasks, that leaves 75% of the time for other productive work.\nBy automating these repetitive tasks, the entire workweek becomes effectively productive. The maths is simple: previously, only 75% of the time was productive. After automation, 100% of the time is productive. So, the productivity increase is calculated from 75% to 100%, which is about a 33% increase in productivity.\nOr as we’ve shown in the calculator, this is a 1.33x increase in productivity.\nWe calculate a 6x increase in productivity because we consider that automation can effectively multiply the human work hours it replaces by both its speed factor and its continuous operation. In this case, it’s not just replacing the 10 hours spent on repetitive tasks; it’s effectively adding much more due to its higher speed and continuous operation.\nThis calculation assumes that the increased capacity of automation (working 24/7 at a higher speed) is fully utilised and directly translates to increased productivity. In real-world scenarios, the actual increase in productivity might be lower due to factors like the limits of how much additional work is useful or can be managed effectively.", "label": "No"}
+{"text": "I recently posted an article about the incoming unfair contract term laws which apply early November 2016. The new laws will protect small businesses from unfair terms in standard form contracts.\nThe ACCC now has a page that clarifies the new unfair contract term laws.\nCheck if these new laws apply to you:\n- Is your contract a “standard form contract”?\n- A contract prepared by one party, where the other party has little or no opportunity to negotiate the terms.\n- Are you entering into, renewing or varying the contract on or after the 12th of November 2016?\n- Is the contract for the supply of goods and services OR the sale or grant of an interest in land?\n- Is at least one of the parties involved a small business?\n- One that employs less than 20 people, including casual employees employed on a regular and systematic basis\n- If the contract is shorter than 12 months, is the upfront price payable under the contract $300,000 or less, or if the contract longer than 12 months, is the upfront price payable under the contract $1 mil?\nIf you answered yes to all of the above questions, the new unfair contract term laws likely apply to you. This means that you should have your contracts reviewed to ensure that your contract terms are still enforceable.\nHowever, even if the new laws do not apply to you – if you are a large business, then unfair contract term laws already apply! It is also a good idea to get any standard form contracts reviewed in the case that you do wish to enter into a contract with a small business in the future.", "label": "No"}
+{"text": "ENGLEWOOD CLIFFS, N.J. — With Englewood Cliffs School Superintendent Robert Kravitz no longer in the district as of Oct. 23, the Board of Education is working with the state School Boards Association to find his replacement, northjersey.com reports .\nUnder the statewide salary cap, the district’s position pays up to $134,000 a year, roughly $40,000 less than larger districts, making it a challenge to recruit talent, the article states.\nParents expressed interest in being more involved in the process. Officials said they would consider letting members of the public meet the top candidate prior to hiring, according to the report.\nCLICK HERE to read the full article.\nClick here to sign up for Daily Voice's free daily emails and news alerts.", "label": "No"}
+{"text": "KEEPING TRACK OF YOUR CONSIGNMENTS\nOur Consignor Portal allows consignors with The Pulborough Exchange to log in to get updates on their inventory and balance history.\nAll this requires is that you have a valid email address listed under your account with us. No password setup is necessary; when you log in, you'll receive an email with a temporary, one-time password to let you in.\nPlease contact us should you have any questions.", "label": "No"}
+{"text": "Sports betting is a form of gambling that involves placing a wager on an event. It can take place online or at a sportsbook in person. There are different ways to bet, including spread bets, totals bets and proposition bets. The basic premise is that you predict that something will happen during a game or event and risk money on the chances of that happening.\nBetting on a sports event can be an enjoyable experience, as long as you keep your goals in mind and don’t place any wagers that are too large. You also need to learn how to distribute your bets so that you can balance wins against losses.\nBettors can earn a profit by making smart bets. This means that they must understand their own preferences, as well as the odds offered by a sportsbook. The odds are calculated using a formula that takes into account all the factors that affect the outcome of the sport.\nThe best way to make money is to find a sportsbook that offers the highest odds for the bet you want to place. This will allow you to win a larger amount of money, as long as you don’t bet more than you’re willing to lose.\nIf you’re not sure which sportsbook to use, start by reading reviews of the top sites to find one that suits your needs. You can find these reviews on popular review sites, such as Trustpilot and Gambling Online.\nSome sportsbooks offer free bets or bonuses to attract new customers. These bonuses can be very useful, as they’ll help you make your first bets without putting too much money at risk.\nMost sportsbooks also accept a variety of payment methods, from major credit cards to PayPal and traditional bank transfers. However, you should be aware that some states limit the types of deposit and withdrawal methods that are acceptable.\nIn some cases, you may be asked to provide identification before opening an account or playing. This is to ensure that you’re not using stolen or fraudulent information.\nYou can also find a variety of betting strategies that will increase your odds of winning. Some of these strategies are simple, while others require more knowledge and a specific approach to the sport you’re betting on.\nThe most common strategy is to bet on the underdog, as the odds will usually be higher for this. This is a good strategy for novice bettors as it allows them to gain experience before they move up to more complicated strategies.\nAnother strategy is to bet on a team that is losing, as this can increase your chances of winning. This will also help you save on commissions.\nWhen you’re a novice, it’s best to start with a small bankroll and make bets on a single game at a time. This is a great way to get familiar with the process of sports betting and learn how to distribute your bets so you can balance wins against losses.", "label": "No"}
+{"text": "<p>Classic hat, this Bronco logo hat features an off-set, silicone weld logo on the wearer's front left panel</p>\n<li>Officially-licensed Ford Merchandise</li>\n<li>Polyester/spandex performance fabric</li>\n<li>Self-fabric strap with branded antique bronze slide closure</li>\n<li>Designed in the USA</li>\nPayment & Security\nYour payment information is processed securely. We do not store credit card details nor have access to your credit card information.", "label": "No"}
+{"text": "Before we get to the blog… guess what’s here?! MY PODCAST T-SHIRT! Be one of the 1st to get the “Remain Calm and Stay Fabulous” with Madge podcast T-SHIRT! Get it now at the introductory price OF $14.99 for a limited time before it goes up to regular price! Tell the world you are fabulous!", "label": "No"}
+{"text": "Apologies if this is considered off-topic…\nI’m doing the “real life” thing for a while, and part of that involves, for me, moving and getting rid of my stuff. I thought the following items of mine might be of interest to someone in the Haiku community:\n- book: The BeOS Bible\n- book: Programming the Be Operating System\n- CD: BeOS R5 Pro\n- CD: Gobe Productive 2.0\n- CDs: Corum III for BeOS\nMaybe someone would want this group of things to auction off at a Haiku-related event?\nI currently live in Kitchener, ON, Canada, and would be willing to ship them either to an individual for the cost of shipping, or to the nearest Haiku, Inc. member who could bring it to the next Haiku event for auction (or other fundraising) for maybe free shipping or half the cost? (Not sure how much it is, but The BeOS Bible is pretty bulky and I’m about to be officially poor.) I could also possibly drop it off in Toronto in the next month or two, depending on scheduling (I don’t have a car.)\nPeace, and best of luck to the Haiku team, things are really coming along!\nPS I think I might have the original boxes (at another location) for each of the CD items as well, if that would increase anyone’s interest in them. Let me know and I’ll check next time I’m there.\nI would be willing to pay shipping on those I won’t be back in the USA till august 17th though to send you the money for shipping as I’m in Brazil at the moment. Of course if you get a better offer I understand.\nI would prefer to ship all the items together as a package, but if I don’t hear of any interest in that, they’re all yours. I’ll throw in Corum too and donate the books to one of our libraries.\nNote: I made this post by mistake in response to a private message.\nYour library isn’t likely do have much interest in Programming books from pre-2000 …\nIn any case I wanted the whole lot anyway if shipping wouldn’t be outrageous of course. I have had stuff shipped to me from california for instance and that wasn’t too bad (Sparc CPUs and SCSI drives which are pretty heavy). As long as it isn’t more than 20$ it should be fine and I should be much closer to you than california though there might be additional cost you being in canada I doubt that though.\nI’ll be back in the US by wednesday and will send you the money I assume paypal or money order which ever you prefer?\nI’d be interested in these as well. I’m in Nova Scotia so I don’t imagine it would cost much much to ship em out here.\nShipping rates from Canada can be calculated on the Canada Post Website:\nLooks like it would be around 20-25 bucks to get it to me in North Carolina assuming its about 10lb or 6kg\nThanks for your help everyone, it looks like I didn’t subscribe to this thread properly somehow, so sorry for the delay. cb88, since you’re the first one who wanted the whole package perhaps you could send me your address. I’m not sure the best way to pay–I have a paypal account for sending money, but I don’t think I’ve been paid via that before.\nBTW I should disclaim the condition–they’re not mint by any means, but I would say “reasonable”. I haven’t tried the CD’s themselves in a while but tried to keep them well. The books are a bit worn here and there but otherwise in good shape.", "label": "No"}
+{"text": "Didn’t like your purchase? Wrong size or product? Defective item? Not to worry doll we will take care of you, but first take a quick look at our return policy and please take the time out and get familiar with our refund and exchange policy.\nOnce you’ve received your package from the delivery courier send us an email within the first 24 hours from when your package tracking information status is - “Delivered.”\nIf you receive your item and aren't 100% happy with your purchase, email us at email@example.com and we will be happy to help you with your return and solve whatever issue you're having. All returned item(s) must be received in their original condition. The condition of the item must be re-sellable: Unworn , Item(s) must be unwashed, No smell of ladies perfume/deodorant, no makeup marks.\nReturned items not received in their original state unless approved by management, will be charged a restock fee of 30% (Sale Price). Items should be received within the 14 Business days (United States ) 21 Business days (International) of the date you received the item. Any more days after will be not be accepted and will be returned to you.\nRefund Process Once your return is received and inspected, we will send you an email to notify you that we have received your returned item. We will also notify you of the approval or rejection of your refund. If you are approved, you will be notified via email at the email address listed on your account when your order is refunded in the original form of payment. Please note that your banking institution may require additional days to process and post this transaction to your account once they have received the information from us. Debit Cards typically takes 5-7 business days and Credit Cards could take 2-3 business days or 1-2 billing cycle.\nShipping Once the items are shipped out there's no refund available for the fee. The only time shipping fee can be refundable is if an order is cancelled and have not been shipped. Shipping fee under no other circumstances that it can be refunded for a return or exchanged order.\nYou will be responsible for paying for your own shipping costs for returning your item. Shipping costs are non-refundable. If you receive a refund, the cost of return shipping will be deducted from your refund.\nLate or missing refunds (if applicable) If you haven’t received a refund yet, first check your bank account again. Then contact your credit card company, it may take some time before your refund is officially posted. Next contact your bank. There is often some processing time before a refund is posted.\nDefective or Wrong Merchandise All items are fully inspected before shipped, however, should you receive a defective or wrong item; please contact us within 24 hours of receipt to be eligible for a return and a picture of the item if its defective to firstname.lastname@example.org along with your order number to receive a confirmation number received from management to return your product.\nUnclaimed Packages/Refusals/Loss Package Please do not refuse any delivery. We advise you to accept it and return it yourself. Refused deliveries will incur the cost of the original delivery plus the return cost and you will be charged a restock fee if the item is to be returned to us. We are not responsible for packages lost by postal service, but we will do our best to help you locate your package.\nStrictly Non-Returnable Items\nFinal Sale (Prices ending in .99 are final sale, no exceptions)\nSwimsuit & Bodysuits (For hygienic reasons)\nOut Of Season Products\nAccessories such as; Earrings (For hygienic reasons)", "label": "No"}
+{"text": "Trada casino game interesting promotions, no deposit bonus and be golden nugget. Propawin casino destinations extremely lucky player who offers and according to the united states. Read the right from most visited every data, australia! A free spins no deposit slots free online casino games real money no deposit money is the site, games with this type that. Wintika casino accepting us and conditions before but nowadays. Chanzgives http://hpub.org/ no deposit casinos and redeem the website. Spinions used to all new jersey gambling on the new players. Different casinos offer must first deposit bonuses as starburst free casino gives 25. Use them now have a hard to the no deposit of sites are entered during the basis. Be valid for free and special recommended online players. Bovada casino bonus lists of online casino gives 100. He chose a 10 or more about and free spins to be able to claim bonuses. Spinia casino s be presented above, iceland, this free online casino no deposit Everyone who get your deposit casino you can choose to win the biggest advantage of 2020. Claiming a new casino has the respective bonus: up. Receive them a first deposit exclusive first deposit free casino, this is void. Commonly encountered variants of no deposit malaysia visit casino through the most frequently asked. Winward casino players, with the real money winnings then you a free. Allright casino experiences from provided by legal in 2018 has it. Believe it comes to spend a 900 free, try, giovanis gems. B-Cause they can use an exclusively-negotiated 25 free cash and monthly bonuses. What you may not the trop, casinoplex and it comes in 2013. Usa relates to 20, then 10 bonus code star25. Generationvip casino gives 22 jan 28 days of withdrawing your 25 no deposit bonus up a casumo! Bodog brand new free from the web sites and are big at skrill deposits. Monte cryptos casino for any bonus packages, hallo, you can control. Allright casino no wagering requirements of exciting promotions require no deposit casino bonuses. Yet, no deposit of our brilliant article will also offer the lobby. Quick and login to bovegas casino for new casinos that 'seem' great promotions. Gudar gives a free spins no deposit casino app or, be illegal gambling experience. Collapsing wheels, thereby you can be careful to pay you wouldn t cs apply. Mbit casino play aussie online and more in order to players millionaires! After she took a free online casino no deposit deposit bonus could only way to fulfill wagering requirement. Spin casino to differentiate the withdrawals can be it does not a top slot. He may be rich on loads you may affect the 'no deposit 100 or real time.", "label": "No"}
+{"text": "DUBLIN--(BUSINESS WIRE)--Research and Markets (http://www.researchandmarkets.com/research/jmbvb2/power_tools) has announced the addition of the \"Power Tools Market in the US 2012-2016\" report to their offering.\nOne of the key factors contributing to this market growth is the need for the faster accomplishment of projects. The Power Tools market in the US has also been witnessing increased competition among Chinese manufacturers. However, the high cost of power tools could pose a challenge to the growth of this market.\nThe key vendors dominating this market space are Robert Bosch GmBh, Stanley Black and Decker Inc., and Techtronic Industries Co. Ltd.\nThe other vendors mentioned in the report are Makita Corp., Actuant Corp, Blount International Inc., Emerson Electric Co., Snap-On Corp., and Hilti AG.\nCommenting on the report, an analyst from TechNavio's Engineering team said: ''In the last few years, there has been a rapid increase in competition among the vendors in the Power Tools market in the US. The increased competition leads to a decrease in the overall price of power tools. Consequently, there is an increase in price wars among the players in the market. Though several vendors in the Power Tools market in the US are witnessing increased labor costs, the vendors are absorbing these costs to provide cost-effective power tools. This is also due to the large variety of vendors and their varying pricing strategies aimed at capturing significant shares in the market. Furthermore, vendors are focusing on the development of economically priced products in an attempt to tap the Micro, Small, and Medium-scale Enterprises sector. However, the vendors in the market are also facing increased competition from the Chinese power tool vendors that offer low-cost power tools.''\nAccording to the report, one of the main drivers is the increased need for the faster accomplishment of projects. Therefore, to develop superior-quality products in minimal time, power tools are deployed across a range of industries in the country.\nFor more information visit http://www.researchandmarkets.com/research/jmbvb2/power_tools", "label": "No"}
+{"text": "scroll to top\nStuck on your essay?\nGet ideas from this essay and see how your work stacks up\nWord Count: 3,483\nA study of the market reforms in Post-Communist eastern Europe eith a specific case study ofPoland as well as its fellow post-communist countries face an arduous task inre-inventing their economies to match the dominant Western style currently dominating the world The difficulties lie in the areas of ideology structural needs massive changes required world recessioncurrent and debt load Communist EconomicsWhy did the economics of the communist bloc fail so miserably Why has every single socialist fascist communist and other non-democratic country had to implement economic change in order to survive This is due to some inherent problems in the command economy idea Monopolies in a command economy tend to produce inefficiency low quality goods lack of innovation and technological improvement Command economies tend to focus on growth rather than strength leading to larger production and an evan worse use of available resources The 1980s marked a change in world markets meant that the communist economies were faced with four challenges that would if met have meant the continuation of the USSR Resource saving miniaturization requiring high technology and skill were demanded command economies have neither Flexible production to meet a variety of needs command economies have large factories to keep production high - they thus did not have the funds or ability to affect the necessary changes to their means of production the information age meant that the communist bloc had to deny the new prevalent types of technology which would spread Western ideas and thus they fell behind and software became essential to the growth of industry the hardware focus of the East could not absorb this new approachAs well the changes are being attempted in a deep period of economic crisis that make an already difficult process even more difficult Changing the EconomySystematic transformation requires institutional innovations the internal liberalization of the economy the external liberalization and the adjustment of the real economy as well as the monetary system Not only does there\n@Kibin is a lifesaver for my essay right now!!\n- Sandra Slivka, student @ UC Berkeley\nWow, this is the best essay help I've ever received!\n- Camvu Pham, student @ U of M\nIf I'd known about @Kibin in college, I would have gotten much more sleep\n- Jen Soust, alumni @ UCLA", "label": "No"}
+{"text": "By Skills Ontario\nSkills Ontario receives additional $5 million in support from the Ontario governmentTrades & Hiring canada contractor funding skills ontario support. government trades\nOntario Minister Monte McNaughton, Minister of Labour, Training and Skills Development of Ontario, has announced that the Government of Ontario is investing an additional $3.5 million in Skills Ontario for the 2020-2021 school year to help the organization help continue to promote the skilled trades. This is in addition to $1.5 million in new funding the government provided earlier this year to support outreach and promotion to youth, educators, and parents.\n“As Ontario carefully reopens, the skilled trades are an essential part of the recovery and future of our economy,” said Minister McNaughton at the Skills Ontario Virtual Skills Summit, held today. “We need to continue to promote the skilled trades to young people to give them access to jobs that are fulfilling, meaningful, and well-paid, and to keep the many industries that depend on skilled trades thriving. Skills Ontario does this very well.”\n“On behalf of Skills Ontario, we thank Minister McNaughton and the Government of Ontario for their tremendous support of our efforts,” says Ian Howcroft, CEO of Skills Ontario. “Our objective is to connect education, experience, and employment for youth so that they can be aware of, explore and pursue the incredible opportunities in the skilled trades and technologies. We are grateful for the increased support from the Ontario government, and look forward to continuing to deliver programs to help strengthen our economy and secure our future. The pandemic has underscored the importance of skills and technology careers, and they will help lead us out of our economic challenges”.\nThis additional funding from the Government of Ontario will go towards reaching youth, educators, and parents to present the skilled trades as the viable, first-choice career options they are.\nFor over thirty years, Skills Ontario has offered initiatives to bring experiential learning and mentorship together. In an effort to encourage youth all across the province to consider the pathways in the skilled trades and technologies, Skills Ontario organizes workshops, events, and activities. Skills Ontario also offers specialized programs for Young Women and First Nations, Métis, and Inuit youth in an effort to build and support a strong and diverse skilled workforce.", "label": "No"}
+{"text": "The Collaborative Fund is the first and only venture fund focused solely on startups that help people share and collaborate offline. The fact that CF exists is one of many signs that the sharing economy is developing. It has it's own thought leaders, publications, fund, numerous enterprises, events, and even laws. Collaborative Fund shared this video to celebrate their one year anniversary. Congratulations, and may you have many more!\nRate this article\n- Can Trust Systems Build a New Economy From Ruin?\n- A Case of Global Coworking Serendipity\n- Adam Werbach Launches yerdle on Black Friday with 10,000 Free Items\n- For All We'll Ever Need: A Family's Transformation\n- Travel Redefined by the Sharing Economy\n- Fear and Loathing in the Coworking Space\n- 12 Ways to Adopt the Sharing Economy This Holiday!\n- What if Lena Dunham Coworked?\n- A Coworkers Guide to Slaying Procrastination\n- Is The Sharing Economy Safe for Women?", "label": "No"}
+{"text": "This post is called Music Business Card Template. You can download all the image about home and design for free. Below are the image gallery of Music Business Card Template, if you like the image or like this post please contribute with us to share this post to your social media or save this post in your device.\nYou can download all the images below by clicking the download button in the bottom of the images. Feel free to enjoy and get our content.\nThere are many plenty images of Music Business Card Template. You can find out or you can browse any of the images such as. Music Business Card Business Cards Business And Card Templates. Download Music Visiting Card Free PSD PsdDaddycom. Free Music Business Card Templates 25 Free Psd Business Card. Music Business Cards Business Card Tips. Music Business Card Business Card Templates Creative Market. Album Music Business Card Template Business Card Critic Rate. 7 Best Card Music Images On Pinterest Business Cards Business. Music Business Cards Music Arts Business Card Templates. Free Retro Business Card Template Creativetacos. Recording Studio Business Card Template By SeraphimChris. Music Business Cards LilbibbyCom. Transparent Business Cards Idea For Musicians By BorceMarkoski On. Music Business Card Template Stock Vector 513920677 Shutterstock. Free Music Business Card Templates 20 Music Business Cards Free. Free Music Business Card Templates 789 Best Business Card.", "label": "No"}
+{"text": "The primary role of a Sponsorship Coordinator is to manage existing sponsors and secure new ones for various upcoming events.\nSometimes they are also expected to manage the accounts of the firm.\nA resume for a sponsorship coordinator must communicate the applicant’s well-developed VIP client PR etiquette in combination with effective business relations management skills.\nAny experience in the field must be mentioned craftily and should focus on your accomplishments as a sponsorship coordinator. This will give an idea of your potential to the employer straight away.\nSample Resume for Sponsorship Coordinator Position\n782 Silk Avenue, St. Louis, MO 63130\nfiona @ email . com\nTop-performing sponsorship coordinator with a solid track record of planning and implementing events and exceeding the projects’ monetary targets. Adept at expanding the company’s client sponsorship via effective persuasive skills and knowledge of sales.\n• In-depth knowledge of and expertise in IQPC sales methodology\n• Demonstrated ability to coordinate effectively with various clients and ensure an integrated sponsorship\n• Expert in inventory analysis including auction and remnant supervision\n• Well practiced in event management and planning\n• Effective skills in identifying potential sponsorships and optimizing the opportunities via cold calling\n• Adept at development and maintenance of prospect lists\nLive Nations Entertainment, St. Louis, MO\n11/ 2014 – Present\n• Conduct project planning and implement the same\n• Oversee event logistics and time framing\n• Coordinate with existing sponsors regarding project budgeting details and implore new sponsors for upcoming projects and events\n• Secured 2 major sponsors for a nationwide talent hunt show which yielded the company a profit of $50000 more than the set target.\n• Led and groomed a team of four sponsorship associates on seven massive events in the year 2013, leading to a profit generation of up to $5 Million.\nZimmer Man Advertising Co, St. Louis, MO\n07/2009 – 11/2014\n• Demonstrated matchless PR etiquette, maintained working business relations with all sponsors, and kept on the lookout for potential sponsors\n• Planned the monetary structure and time frames for upcoming events\n• Coordinated with the management and sponsors regarding available capital, profit details, and time goals\n• Revived an inactive sponsor for a high budget event while demonstrating exemplary sponsor imploration skills and expertise\n• Enhanced the company’s revenues by 10% via effective sponsorship management tactics\nBachelor’s Degree in Management\nLouis University, St. Louis, MO | 2008", "label": "No"}
+{"text": "Unique and extremely relaxing. The 4-hand massage is a massage in which you are massaged synchronously by two masseuses. Unwind with this extremely relaxing massage.\n20 minutes and 50 minutes\nYour massage can be scheduled based on availability.\nBook the massage via Spabron .\nYour payment information is processed securely. We do not store credit card details nor have access to your credit card information.", "label": "No"}
+{"text": "Wild One-Rose Gold Sequin 2 Piece Set\nSale Sold out\nRegular price $35.00 USD\nRegular priceUnit price per\nSimple and sexy is the vibe in this rose gold sequin two-piece set. The split and zipper in the back add the sophisticated details needed to draw attention.\n- Rose Gold Sequins Midi Skirt Set\n- 85% Spandex 15% POLYESTER\n- THE MODEL IS 5'8 AND IS WEARING A SMALL\n- Size large measures 30” from waist to bottom of skirt. Waist measures 28” relaxed and 36” fully stretched out.\n- Size large top measures 34” un-stretched\nTag us for a feature\nWe know you are going to ROCK in our items. Just tag #apartment9k for a feature and a $10 Gift Card.", "label": "No"}
+{"text": "Although worker safety should be a top priority for employers, safety hazards are often overlooked. Employees may face safety threats daily, and on the job injuries are a common occurrence.\nA prevalent problem\nIn 2016, nearly 3 million workplace injuries were reported in the U.S. Almost 140,000 of those injuries happened to New York workers. If you are an employee who suffered a workplace injury or illness, you might be eligible for workers’ compensation insurance benefits. Workers’ compensation benefits include cash benefits and/or the coverage of medical expenses for workers injured on the job. The cost of the insurance is paid by the employers in order to provide the benefits to employees.\nBarriers to a successful claim\nAfter a workplace injury you might be wondering if hiring an attorney is really necessary. In most cases, an attorney will get you better results than if you attempted to represent yourself. Although the workers’ compensation legislature was designed to protect employees, the employee faces an uphill battle when trying to file a claim against their employer. The employer’s insurance company has a strong legal team to defend them, and you should as well.\nEmployers and their insurance companies can deny your claim for a number of reasons. Even after a claim has been accepted, employers can retaliate against you or refuse to pay all your lost wages or medical bills. Even if the employer agrees to pay the lost wages and medical bills, they may not be paying them in a timely manner, leading to mounting debt and unnecessary stress for the injured employee.\nHow an attorney can help\nThe sad reality is legitimate workers’ compensation claims are frequently denied. Proving the damages of your injury is where most claims are denied; the claimant fails to gather sufficient evidence to support the claim. An attorney will help you navigate the legal logistics and develop a strong medical record.\nAn attorney is experienced in negotiating compensation and will help you get a fair settlement. If your case faces litigation, your attorney will represent you in the courtroom. If your case is denied, your attorney can help with the appeals process.\nNavigating the logistics of a workers’ comp case is difficult. Having legal representation will even out the playing field against the employer’s insurance company’s legal team. An experienced attorney will know all the filing deadlines and the ins and outs of presenting information in the best possible way. They can offer advice and help you through the entire process.", "label": "No"}
+{"text": "- 1 Best Powerbanks for Samsung Galaxy S21, S21Ultra, S21\n- 1.1 Which Power Bank is good for Samsung?\n- 1.2 Which company powerbank is best?\n- 1.3 Anker Portable Charger 10,000mAh\n- 1.4 25 PD Fast Charging Power Bank\n- 1.5 Wireless Portable Charger 25W PD Fast Charging\n- 1.6 Omni 20c 100W Portable Power Bank\n- 1.7 Amcrest USB C Power Bank\n- 1.8 Alongza Portable Charger\n- 1.9 Baseus 30000mAh Power Bank\n- 1.10 JIGA 30000mAh Portable Charger\n- 1.11 GETIHU Portable Charger\n- 1.12 Ayeway Battery Pack\nBest Powerbanks for Samsung Galaxy S21, S21Ultra, S21\nWhich Power Bank is good for Samsung?Currently, all the latest smartphones come with USB-C Port, the reason behind bringing making USB-C port universal is it gives better-charging speed compare to the micro USB port. That’s the primary reason why you should buy USB C Power Bank for Samsung. There are plenty of power bank options available, with good reviews, and of course in budget. This article will help you get a better deal on the best power bank for all Samsung devices.\nWhich company powerbank is best?You might have already heard of Anker, Ambrane, OnePlus, Samsung, and the list goes on, a brand producing power banks and leading the market. Apart from that, you could try different power banks which are available in the budget, and we’ve covered those best power banks for your Samsung phone.\nAnker Portable Charger 10,000mAhIts quite difficult to find High Capacity Power Bank which is at the same time slim and handy to carry in pockets, but Anker has way out to this. A 10,000mAh Power Bank resembles USB-C Port, with 20W Power Delivery seamlessly charges any smartphone with superfast blazing speed. With all that, it comes with PowerCore features which exclusively protects devices from fire, overheating, etc. In addition to 20W Port, you’ll get second 12W USB Port which can charge another device simultaneously. Click here to buy Anker Portable Charger\n25 PD Fast Charging Power BankDon’t have enough budget, but looking for full-fledged power bank for Samsung S21? Try this one. A superfast power bank with the capacity of 30,800mAh could charge your phone 5 to 6 times, with such a huge power backup you won’t run out of battery and enjoy the video shootings, movies, shoes, pictures while on the go. Embedded Intelligent IC ensures safety against overheating, overvoltage, overcurrent and many other events that may damage the device’s battery and affect performance. Click here to buy Pxwaxpy Power Bank\nWireless Portable Charger 25W PD Fast ChargingAn unbeatable combination of Wireless Portable Charger and 25 PD Fast Charging is available below $30. Multiple Power Output includes, 5W, 7.5W, 10W, and 15W, helps us to charge earbuds, watch, smartphone, tablets, at their compatible level, rather than forcing unnecessary output and damaging the battery. Smart LED indicator shows the percentage of battery level, so that you don’t miss to charge the power bank. Take a look and buy this deal. Click here to buy Fochew Power Bank Click here to buy Omni Power Bank Click here to buy Amcrest Power Bank Click here to buy Alongza Portable Charger Click here to buy Baseus 30000mAh Power Bank Click here to buy JIGA 30000mAh Portable Charger Click here to buy GETIHU Portable Charger Click here to buy Ayeway Battery Pack More Posts,\n- Best Accessories for Samsung Galaxy S21, S21Plus, S21Ultra\n- How to Disable Swipe Up Gesture for Samsung Pay\n- Best Recommended MicroSD Cards To Buy Now\nWas this article helpful?", "label": "No"}
+{"text": "Leaning on their tails, these marsupials have short but strong limbs. Fun Fact - Kangaroos are able to attain speeds of forty miles per hour while hopping.\nPayment & Security\nYour payment information is processed securely. We do not store credit card details nor have access to your credit card information.", "label": "No"}
+{"text": "√ During the week of November 1, 2021, asbestos abatement of the meeting room’s flooring was successfully completed.\n√ Facilities Service Manager Eric LeDuff worked October 11-14, 2021, to secure a tarp on the roof of the cafeteria to prevent more water from leaking into the structure and further damaging the walls while we await the construction of the new roof.\n● AST Engineers, ANR Construction, and WHLC Architects, with whom we have contracted, informed us that the start date for construction has shifted to April 2022, due to the global delay in the delivery of building materials.\n√ As of September 27, 2021, $122,593.46 has been donated toward the new roof and HVAC system since July 1, 2021. This means any additional money donated before June 30, 2022 will be kept 100% by the parish—none of it will be taxed by the diocese. Thank you to everyone for your past and ongoing generosity!\n√ All contracts and financing were approved in July 2021 for construction to move forward.", "label": "No"}
+{"text": "This series of articles is dedicated to the explanation of common BPMN 2.0 terms, where this article will explain the terms Fork, Join, Branch and Merge as defined in the BPMN 2.0 specification.\nWithout Business Architecture business decisions will only rarely be optimum. This blog covers how Business Architecture helps your organization understand how all the elements of your business work together and run efficiently.\nGraphically, a Flow is represented with an arrow between elements in a Process, Collaboration, or Choreography. BPMN 2.0 defines different kinds of Flows, which are explained in this article.\nProcess approach is a common phrase, used in modern business. However, despite of its common use, there are many misconceptions around the phrase. This blog post tries to clarify the phrase as well the related concepts.\nBPMN 2.0 Artifacts Similar to Flow objects or connections, Artifacts represent a group of BPMN 2.0 elements. Their aim is to provide supporting information about a...\nFor two decades, the terms Business Process and Workflow co-exist. However, many professionals still misunderstood the terms and commonly think that a Business Process is just another term for a Workflow. This article will explain the commonalities and differences between both terms and terms related to their management and IT support.\nWe live in so-called “exponential times”, where companies and their businesses are evolving at an ever-increasing speed. A method for these companies to stay competitive is the continuous investigation of new approaches, technologies, and materials that enable the introduction of new products or services.\nWe understand the term “asset” as any item of economic value owned by an individual or organization, especially that which could be converted into money. In this blog we take a look at how in BPMN Business Processes can be considered Organizational Assets too.\nBPMN diagrams are commonly treated as synonyms for process diagrams. This short article will present the last three types of BPMN diagrams (collaboration diagrams, choreography diagrams and conversation diagrams) and the possibilities for their common use.\nBPMN specification defines an Activity as “Work that a company or organization performs using business processes”. But what are the common mistakes and how do you avoid making them?", "label": "No"}
+{"text": "Serving the Greater Houston area including Kingwood, Humble, Spring, Woodlands, Dayton, Liberty, Crosby, Huffman, New Caney, Porter, and the surrounding areas\nLet me help you find your dream home today!\nPlanning on moving into a new neighborhood? Let Susie Compian, Realtor, find the perfect neighborhood that meets all your wants and needs.\nBeing a locally owned agency, I have an excellent understanding of our local real estate market. If you require my services in the Greater Houston area, get in touch with me right away!\nIf you need a quick look at the current market value of a property, or if you need to search for a neighborhood, click the links below:\nI am genuinely passionate about helping local homeowners, and individuals wanting to become homeowners. I will always be attentive and responsive to any and all of your real estate needs.", "label": "No"}
+{"text": "Private-babes Accounts & Passwords\nThe top private-babes accounts are hidden to protect them from overuse, click here to show hidden passwords.\nYou can unblur the top passwords for 30 days by completing the captcha below. This helps protect good accounts and ensure they continue to work for those who need them most.\nDidn't find the account you were looking for? Register and share a new fake account at https://private-babes.de\n7 Straightforward Advantages Of Appreciating Free Login Information\nCreating accounts on the net became normal nowadays since most of the site owners realized that they are going to acquire more benefit by asking the users to register first before they could get access to any service. They could get the emails of their users where they could send their marketing emails. This isn’t safe at all as your personal info could be revealed. If you are going to make use of free private-babes accounts, you could guarantee that your personal information will be safe. You’ll not lose a thing if you are going to consider a free private-babes account and it may provide advantages to you.\nPrioritize The Security Of Your Personal Information\nAlmost all of the sites and service providers would guarantee that your personal information is safe when you register on their sites. It’s fantastic that they offer you assurance that your personal info is safe, but you must do something to protect your interests as well.\nIf you will use a Free private-babes account, you could make certain that your personal information is safe. You should remember that there are problems of hacking on the web and there is a chance that your account would be jeopardized.\nYou could always use a free private-babes account if you simply need an account to obtain access to websites and get free services. It is free of charge and your safety will not be compromised as well.\nSave Your Money\nDid you know that getting a free private-babes account will allow you to save a lot of money? Well, registrations are normally free for websites, but you won’t be able to get into the premium services following the free registration. The free registrations are for the free trials and when it is over, you are going to have to pay for the premium to be able to continue the services. This is practically the same with other sites so if you can obtain a free login information for a specific app or website, you could save more money. Sites like Netflix, Spotify and more will require you to spend money on premium services so if you do not have enough money for that and you want to access them for free, these accounts could be your best bet.\nYou Do Not Need To Register\nIt’s quite nerve-racking and complicated to register accounts since there are tons of details which are being asked of you. Some of you would state that making an account anywhere is very easy, but if you are always concerned about your information being stolen, you will absolutely end up spending too much time in order to register on a particular website.\nYou are going to need a valid email and there are instances when they will ask for your mobile phone number. You do not need to spend plenty of time when creating an account because you can be able to use a free private-babes account so you may access a website or application without the need for any registration.", "label": "No"}
+{"text": "Among the very best things that you can do for your business is going over all your insurance options with an independent architects and engineers insurance company. Insurance is necessary for anyone in the design profession, however many people underestimate its significance, additionally underestimating the devastating impact protracted litigation can have on the future of your business and career. Going without insurance entirely can mean the end for a lot of small firms when even just one lawsuit arises. A lot of individuals who thought they are able to prepare for their business’s future are totally unprepared for the worst case scenario. If you are thinking about ensuring the protection of your business in the long term, locating the very best possible alternative is significant. You never want to entrust just anyone with the future of your business. Contact an independent engineer and architect insurance broker such as Fenner & Esler if you require the best protection possible.\nYour business is unique. Because of this, it has unique requirements, and something we are well aware of and prepared to deal with at Fenner & Esler as a top independent engineer and architect insurance broker. With bigger engineer and architect insurance companies, you find that they provide one size fits all policies. These either force you to pay for services you aren’t going to require or spend a big amount of money for services you won’t need. If you consult the experts at Fenner & Esler, this won’t be the case. We aren’t going to just ensure you’re provided with the best options, but you’re going to find that scalability is easy should your needs change. Such a large number of architects and engineers who are needing effective insurance options which are also going to be highly individualized to fit their exact needs get in touch with the professionals at Fenner & Esler for this reason.\nWorking with an independent architect and engineer insurance broker offers a lot of benefits to those in the design profession. We’re easy to call and communicate with, and will strive to make each and every one of your options as clear as possible with highly personal service, unlike big companies you’re going to find online. Also, together with the fact that we are able to find insurance choices that can satisfy your exact requirements and save you money, we have a great deal of experience working with firms just like yours. We’re able to help ensure you are assuming a minimal amount of liability when taking on new projects thanks to the risk management services we’re able to provide.\nArchitects & Engineers Insurance\nArchitect and engineer insurance coverage is important because litigation for errors and omissions cases can easily cost more than you would ever be able to put aside for such an eventuality on your own. That is something that is incredibly important for all firms to take into account, but many neglect to. Without this knowledge, going without insurance thinking they’ll be ok on their own is something many architects and engineers do when they’re just starting. An incredibly devastating effect is capable of being had on any firm when extensive litigation comes into play. When you’re a small to medium size firm this is particularly important. It is absolutely crucial for you to safeguard the future of your business, and is something you should never take lightly. Are you searching for a top architect & engineers insurance company? Be sure to make Fenner & Esler your first choice.\nNobody would require the services of an engineer and architect insurance company in an ideal world. But we’re all aware of the fact that projects don’t always go according to plan. When clients are not happy with what has been provided, unfortunately lawsuits are possible. Although many frivolous lawsuits are going to end with you being found not liable, there’s still a great deal of expensive litigation to be taken into consideration. You’re capable of focusing on the important things, such as growing your business, if you work with Fenner & Esler. You’re going to have the peace of mind to be aware of the fact that work can go on because whatever happens, it isn’t going to have a detrimental effect on your business. Make Fenner & Esler your partner for success and choose us when you need a top architects and engineers insurance brokerages.\nIn addition to working with a leading independent architects and engineers insurance company such as Fenner & Esler, there are a lot of things you’re able to do when it comes to risk management to ensure that less problems come up in the future. We’re able to supply assistance in this regard at Fenner & Esler. Unfortunately, in any kind of project things are capable of going wrong. Also there is always the potential for unrealistic expectations or miscommunications. To ensure that there’s less potential for a disagreement which can lead to a lawsuit down the line, it’s important to make certain that you stay in communication with clients when it comes to projects, making certain they’re aware of possible issues that might arise down the line. Changes in legislation and issues with funding are also things that come up. Fenner & Esler boasts specialists when it comes to risk management. We’re going to work with your company in a variety of ways. To make sure that you’re not taking on more liability for risky projects than is required, we provide services for contract review. Let us offer you the help you need by getting in touch with Fenner & Esler, a leading architect and engineer insurance company.\nArchitect Insurance Company\nAs an architect and engineer insurance broker, we work hard to supply you with service that’s absolutely unrivalled in the industry. This is the reason working with an independent professional liability insurance brokerage such as us is always going to be an advantage. You aren’t going to find large brokerages who can provide you with the personal attention which we strive to offer at Fenner & Esler. Offering you the insurance choices that will be ideal for your requirements is only the beginning. We will continue working with you and your business to ensure that you’re getting the best protection possible for your business. We’re always remaining up to date with changes in the industry when it comes to new legislation, requirements, and standards. This way, we are able to let you know right away if adjustments to your architect or engineer insurance coverage need to be made. There’s no need to contact anyone else when you need a top architects and engineers insurance broker.\nEngineers Insurance Broker\nInterested in what we’re able to offer as a environmental consultants, surveyors, engineers and architects insurance company? Feel free to call us toll free at 1-886-737-7683. Even though we’re based in New Jersey, design professionals in 42 states across the USA can take advantage of our top rated services. Our specialists have unequalled industry experience and are standing by to provide you with the assistance you require to make sure your business gets the protection it deserves. Even if you’re currently mid policy, if you are interested, you can get in touch with us for a quote for no cost and no obligation. You have got nothing to lose.\nIf you are searching for a top selection for an architects & engineers insurance company for members of architectural and engineering associations such as the NSPE, AIA and ACEC, Fenner & Esler is a top choice. Lots of individuals in the engineering sector ask themselves where they could find affordable and effective NSPE member firms E&O. Legal liability poses one of the greatest threats to the fiscal health of professional engineers and engineering businesses. It is therefore quite important to track down a quality independent engineers insurance brokerage that can offer the maximum degree of protection. If you’re looking for a quality independent engineer insurance broker, it’s to your benefit to get in touch with Fenner & Esler. We provide service as a top engineer and architect insurance company that can protect a business or practicing professional from the financial repercussions due to lawsuits regarding alleged mistakes that they might or might not have made. Getting a good E&O company for engineers such as Fenner and Esler behind you will make all the difference, as a lot of engineers lacking the proper engineers insurance find out the hard way. These suits can cripple a business or end an individual’s career, so they’re extremely serious.\nSeveral factors lead to Fenner and Esler being a top choice engineers insurance if you require an engineers and architects insurance company. With our engineers insurance, you may continue to work in the middle of any litigation while we deal with it on your behalf. This is one of the reasons that we’re a great choice if you need an independent NSPE members Errors and Omissions insurance broker. We’re a quality E&O company for NSPE members dedicated to hooking you up with the very best architects and engineers insurance coverage. Each insurance carrier has different services that change ultimately in the depth of how much they can do for you. If you’re looking for Errors & Omissions Insurance brokers for engineers out there. We have the wisdom and experience that will help you in protecting the reputation of your firm.\nEngineer Insurance Company\nWe’re able to give you the most effective options in terms of E & O Insurance Coverage for NSPE members that you’re going to find anywhere. Having Fenner & Esler behind you as your architects & engineers insurance broker ensures that our thirty plus years of experience will be working towards offering you peace of mind. We have the ability to tailor our E & O for NSPE members, so you’ll end up with a policy that fits your requirements best. In addition, we have connections with a multitude of high rated insurance companies who’ll can supply the best options for engineer Professional Liability insurance coverage.\nEngineers Insurance Broker\nFenner & Esler’s experience working as an independent engineers insurance brokerage is something which will definitely work to your advantage. We’ve gained this reputation throughout the years thanks to the amount of clients we’ve served in the design industry. Being in a position to offer you a substantial amount of advice concerning ways to minimize your liability in the work that you perform is one of the things that this situation has made possible. We provide incredibly helpful services in risk management, which is among our essential services as an independent engineers PL company. We can additionally evaluate contracts to help you take on a minimal amount of liability. Such a large number of design professionals continue relying on Fenner & Esler because of the fact that these are personalized services you aren’t going to receive with larger engineer insurance brokerages you’ll find online.\nStructural Engineers Insurance\nWe provide insurance solutions for a variety of design professionals at Fenner & Esler This includes:\n• Architects Insurance\n• Engineer Insurance\n• Structural Engineer Insurance\n• Environmental Consultant Insurance\n• Surveyor Insurance\nThe problem with a lot of larger engineer insurance companies is they can not offer truly effective and affordable PL for NSPE members. This is owing to the fact that they deal in one-size-fits-all plans that are not always to your benefit. More times than not, you wind up either paying more than you have to for services you’ll never use, or don’t have access to other services that are very important. This is exactly why Fenner and Esler can help being an independent NSPE member firms PL company, as we’ll customize a policy to match your precise requirements.\nEngineers Insurance Brokers\nFor quality engineer and engineer insurance from an experienced and qualified broker, there isn’t anyone else you have to get in touch with. Find out more about all the services we’re capable of supplying by calling us today.", "label": "No"}
+{"text": "Low on maintenance face brick house. In a very sought area. Ideal for the bigginner.\nLots of space for extent…\nThis property is situated in a quiet area and is very family friendly.\nA home say welcome home!!\nIt consists o…\nDon’t worry! We’re here to help you.\nPay a visit to your nearest Rawson office and speak to one of our expert agents.\nWant to know the costs involved in buying a new home? Try our Bond Calculator.\nOur goal is to sell your property at the right price and in the shortest possible time.", "label": "No"}
+{"text": "Eighth Annual Rotary Wheatbelt Swim for Reading on 5 February 2022\nThe Rotary Wheatbelt Swim for Reading will be held at the Bruce Rock Aquatic Centre on Saturday 5 February 2022! We’ll fundraise for reading programs at Bruce Rock and Narembeen District High Schools. Importantly, children will earn places on Rotary youth programs through their participation in the swim.\nBut, Wait, There’s More! The Community Challenge for Reading is On!\nNarembeen Shire President Kellie Mortimore and Bruce Rock Shire President Stephen Strange challenge their communities to support school reading programs. Stephen and Kellie are offering a $500 prize that will go to the school which receives the best support from their community through the Swim. You can help your school win!\nRegister Your Support Now!\nGet behind Presidents Kellie and Stephen by registering your support now!\nAbout the Swim Event\nOur Swim is on at the Bruce Rock Aquatic Centre on Saturday 5 February 2022, commencing at 12.30pm. We’ve brought our swim forward in 2022, because we want to avoid clashes with seasonal swim competition events.\nThe Swim is a fun event that brings our Rotary team, schools and the community together, promoting a love of reading and fundraising for reading programs, as we enable future leaders to earn Rotary youth program places.\nAbout Sponsorship for the Swim\nThis year we have again partnered with Rotary Australia World Community Service so that we can offer not only tax-deductible receipts, but also matched funding. That’s right, every dollar we raise together (up to $1700) becomes two!\nPlease encourage all sponsors to use the online donation form at https://donations.rawcs.com.au/49-2020-21\nThis is the easiest way to obtain a tax receipt and secure the matched funding. Donors who enter their details in the form can choose to pay by credit card, bank transfer or cheque. All the instructions are in the form. In the Request(s) to Project Manager box, please name the school and swimmer being sponsored. The online form is also great for encouraging family and friends anywhere to support local kids.\nQuestions? Email us at [email protected]", "label": "No"}
+{"text": "Please follow the following steps in ordering from www.getlaud.com:\n1. Choose a product, size, color and quantity.\n2. Add to Shopping Bag.\n3. Click proceed to check-out.\n4. Check-out Method: Log-in as guest or Register/Log in\n5. Register Billing Information, Shipping Information, Shipping Method\n6. Shipping cost is free for a minimum Php 1,000.00 purchase locally.\n7. Page to be redirected to Dragonpay for electronic payment options.\n8. Upon confirmation of payment, expect an e-mail confirming your purchase.\n9. An email will be sent informing that ordered items are shipped and will be at your door step 4-5 working days locally.", "label": "No"}
+{"text": "The Odd Brat Trot (5k Run) at 10:00am kicks off our Oktoberfest themed celebration. The run costs $30, and registration can be done online before Sept. 9, at https://runsignup.com. Afternoon festivities include music, food, drinks, and fun! The Odd Fellows Tri-County Lodge #40 have organized this event as its major fundraiser. Money raised is given back to those in need in the surrounding community and several other charitable organizations. Money raised from the Odd Brat Trot is specifically donated to a worthy charity. This year, Badger Honor Flight will be the\nrecipient again, as it has been the past three years.", "label": "No"}
+{"text": "Ponstel 250 mg kapseals hor norvasc drug nutrient interactions ponstel dosage for menstrual cramps viagra 50mg or 100mg. Viagra or generic where to buy viagra or cialis cost of buspar in australia tetracycline for uti dosage buy tetracycline 500mg viagra dosage 50 mg or 100mg. Buy isotretinoin 5mg tetracycline eye ointment for infants buy isotretinoin 20mg viagra or generic sildenafil tetracycline 500mg capsules for acne. Is norvasc a beta blocker drug norvasc interactions with other drugs what does buspar cost buy tetracycline online ponstel 250 mg price ponstel 500mg. Buy tetracycline online uk norvasc drug interactions norvasc drug mechanism of action tadalafil online apotheke. Price of buspar generic kamagra or viagra was ist besser cost of generic buspar Tetracycline 250mg $36.25 - $0.4 Per pill. Norvasc interactions other drugs generic buspar cost amlodipine norvasc drug class norvasc drug rash buy isotretinoin 10mg high blood pressure drug norvasc. Where to buy generic lexapro tetracycline dosage for sinus infection norvasc food drug interactions tetracycline antibiotics for acne. Cialis or viagra generic where can i buy azithromycin doxycycline or tetracycline norvasc blood pressure drug. Drug norvasc 10 mg buy isotretinoin 40 mg where to buy tetracycline for betta fish ponstel dosage dysmenorrhea. Buspar generic price tadalafil kaufen apotheke ponstel dosage menstrual cramps coupons for viagra or cialis ponstel 250 mg dosage tetracycline for acne duration. Ponstel oral capsule 250 mg buspar generic cost tadalafil rezeptfrei apotheke ponstel medication dosage tetracycline dosage for severe acne ponstel dosage. Norvasc drug class order viagra or cialis online grapefruit drug interactions norvasc dosage of tetracycline for acne treatment norvasc price mercury drug. Was ist besser viagra cialis or levitra norvasc drug interactions metoprolol amlodipine norvasc drug study buy tetracycline for fish. Tetracycline antibiotics for acne reviews ponstel 250 mg uses tetracycline dosage for discus fish over the counter cialis or viagra. Proscar 5mg price viagra over the counter or prescription norvasc drug tetracycline antibiotics for acne treatment.\n|Hillsboro||South Hackensack||Tetracycline Chetek||Palmhurst||Dell Rapids||Frackville||Anza||Fultondale||Centerville|\nTetracycline 500mg $108.35 - $0.6 Per pill\nTetracycline 500mg $203.15 - $0.56 Per pill\nTetracycline is used to treat many different bacterial infections, such as urinary tract infections, acne, gonorrhea, chlamydia, and others.\n|Folly Beach||Rio Rico||Arkport||Webster City||Clarion|\n|Colquitt||Tetracycline Florence||Camden||Mechanicsville||Tetracycline Shasta|\nBuying viagra in canada online tetracycline gonorrhea dosage cost of synthroid canada tetracycline over the counter in canada. Amoxicillin buy online uk amoxicillin prescription uk Tetracycline 500mg $155.75 - $0.58 Per pill acheter viagra a quebec. Best place to buy viagra in canada viagra en ligne au canada tetracycline 500 mg kapsul buy amoxicillin online next day delivery uk. Is amoxicillin over the counter in the uk tetracycline 500 mg tetracycline liquid dosage to buy viagra in canada. Buy cheap amoxicillin uk tetracycline 500 mg dosage tetracycline actavis 500 mg synthroid 100 mcg cost can i buy viagra from canada. Tetracycline brand and generic names buy generic tetracycline acheter viagra sans ordonnance au quebec acheter viagra sans ordonnance quebec. Cost of synthroid pills where can i buy viagra in canada kamagra oral jelly nz tetracycline 500 mg discontinued acheter viagra en ligne au quebec. Maxalt 10 mg kopen buy amoxicillin antibiotics online uk Clomid canada over the counter comment acheter du viagra sans ordonnance au canada Xenical orlistat kopen. Tetracycline 500mg price in india tetracycline over the counter for cats kamagra oral jelly composition amoxicillin over the counter alternative uk tetracycline 500mg for sale. Acheter viagra quebec kamagra oral jelly neye yarar where to buy viagra in vancouver canada can you buy viagra in usa. Buy amoxicillin online uk buy amoxicillin antibiotic online uk kamagra oral jelly comprar what is tetracycline 500mg used for amoxicillin otc uk cost of synthroid with insurance. Synthroid 175 mcg cost dosage of tetracycline for treatment of acne northwest pharmacy canada coupons amoxicillin over the counter uk. Tetracycline dosage for sinus infection where can i buy viagra over the counter in canada where can you buy viagra over the counter in canada. Where to buy viagra in canada online cost of synthroid vs. generic can i get amoxicillin over the counter uk. Tetracycline mouthwash over the counter acheter viagra en ligne au canada kamagra oral jelly como tomar cost of synthroid without insurance tetracycline dosage for discus fish.\n- Tetracycline in Charleston\n- Tetracycline in High point\n- Tetracycline in West jordan\n- Tetracycline in Duncan\nSildenafil for sale in ireland sildenafil citrate tablets for sale buy generic zyban online Online pharmacy free viagra samples. best drugstore shampoo for hair loss tetracycline buy online uk buy tetracycline 500mg online tetracycline powder price. Buy tamoxifen in australia buy tamoxifen uk sildenafil citrate for sale uk where to buy cheap viagra in usa buy tamoxifen liquid. Sildenafil for sale in uk generic brand for zyban tetracycline antibiotics cost buy tamoxifen in spain sildenafil citrate 100mg for sale. Buy tamoxifen in uk buy tamoxifen nolvadex Buy amoxicillin online uk next day delivery sildenafil 100mg for sale uk where to buy cheap viagra in canada buy cheap viagra online in uk. Generic tadalafil in canada tetracycline eye ointment price buy generic viagra online cheap where to buy cheap viagra. Generic tadalafil from canada buy tamoxifen online generic sildenafil for sale buy tamoxifen citrate liquid buy genox tamoxifen tetracycline hydrochloride price. Hydrea medication cost tetracycline 500mg price generic zyban cost tamoxifen buy usa tetracycline price walmart sildenafil 50 mg for sale where to buy cheap viagra in australia. Tetracycline price tetracycline acne buy online buy cheap viagra super force online sildenafil 50mg tablets for sale. Cheap generic zyban buy cheap brand viagra online hydrea medication uses generic equivalent for zyban sildenafil tablets 100mg for sale. Buy tetracycline online usa generic zyban australia buy liquid tamoxifen citrate buy cheap sildenafil citrate 100mg hydrea medication. Buy female viagra online cheap cost of generic zyban buy tamoxifen pct tetracycline price uk generic zyban online sildenafil for sale uk. Tetracycline 250mg $36.25 - $0.4 Per pill buy tamoxifen citrate australia tetracycline online pharmacy generic tadalafil 20 mg canada buy tamoxifen citrate buy tamoxifen online uk. Hydrea medication interactions buy tamoxifen australia zyban generic ndc tetracycline price sigma generic zyban bupropion tetracycline for acne price.\n- buy tetracycline 500mg online\n- starosti buy tetracycline org\n- tetracycline buy online uk\n- buy tetracycline in uk\n- buy tetracycline online canada\n- tetracycline to buy online\n- buy tetracycline cream\nPrice for tetracycline tetracycline dosage for sinus infection saw palmetto drug interactions aspirin online viagra and cialis tetracycline for acne treatment dosage. Tetracycline dosage for kidney infection tetracycline eye ointment for acne canada pharmacy online coupon code is generic accutane still on the market. Tetracycline dosage for acne saw palmetto interactions with drugs viagra via canada priligy ohne rezept bestellen best place to buy generic accutane. Tetracycline antibiotics to buy buy kamagra oral jelly australia safe online viagra orders viagra canada calgary where can i buy kamagra in sydney. Buy tetracycline eye ointment for cats generic viagra canada cost viagra online online viagra store australia drug interactions of saw palmetto. Is generic accutane safer tetracycline 500mg for acne where can i buy tetracycline online online viagra sales canada buy kamagra oral jelly sydney buy kamagra oral jelly sydney australia. Buy kamagra jelly online australia tetracycline for acne uk best price generic accutane generic accutane names buy super kamagra australia tetracycline acne buy. Where to buy kamagra oral jelly in melbourne generic version of accutane priligy bestellen ohne rezept tetracycline tablets to buy. Tetracycline hydrochloride soluble powder dosage for cats tetracycline for acne price viagra coupon canada where to buy kamagra oral jelly in perth. Flomax and saw palmetto drug interactions viagra canada vente libre tetracycline for kidney infections tetracycline 500mg for sale tetracycline to buy uk. Tetracycline for acne buy tetracycline cheap buy tetracycline 500mg online Kann man kamagra ohne rezept kaufen accutane generic australia viagra online order canada.\n- buy tetracycline online uk\n- drugstore shampoo hair loss\n- canada pharmacy coupon code\n- buy tetracycline 500mg online\n- canada pharmacy discount coupons", "label": "No"}
+{"text": "100 Mile Garage Sale Map\nmile garage sale graphic.\ntwo amazing days of bargain hunting in the valley trying.\ntwo amazing days of bargain hunting in the valley garage sale sign.\nmile yard sale the best flea markets copyright.\ncity wide garage sales list thrifty sale sign.\nthis mile long yard sale goes right through o.\nthe mile highway sale mint images.\nyard sale treasure map on the app store.\nmile yard sale visit mo.\ntwo amazing days of bargain hunting in the valley garage sale row.\nmile highway sale the best flea markets 1.\ntowns host mile garage sale along z.\ncentral mile yard sale in.\nmile yard sale uniquely yours or mine.\nmile sale yard locations.\nprintable yard sale route maps map.\nmile yard sale a pickers dream come true.\nhow to plan a trip all 5 national parks map included road.\nmile yard sale the best flea markets copyright 6.\nmile yard sale sand springs area chamber of commerce map.\nthe mile yard sale through north n.\nmoms dads grandparents free family resources for header garage sale sign.\nyard sale is filled with treasures 1.\nmile yard sale the best flea markets 3.\nmile yard sale the best flea markets 4.\nyard sale the worlds longest state route map.\nhighway yard sale in lonely planet images.", "label": "No"}
+{"text": "Loretta Gallagher on Large EMR Consultant Firms\nAs we continue to advance technologically, we develop and adapt to more efficient, cost effective, and superior methods of completing tasks. A great example is Electronic Medical Records (EMR), a digital collection of patient health information that can be shared across different healthcare providers. Although EMR is a helpful tool, implementing it can be an expensive and difficult task. In comes Loretta Gallagher, owner of Gallagher Associates in Wayne, New Jersey, who assists healthcare providers with the implementation of EMR practices, among many other services. In this blog, Gallagher shares her insight on the changing EMR market.\nEMR Consulting Firms\nIn order to implement a new EMR system, healthcare providers often must hire consultants to build, train staff and assist in the creation of new practices to replace the old ones. Often these consultants occupy numerous roles and are only present at the healthcare organization for a few weeks to a few months.\nToday’s EMR consulting market has become saturated with large firms. Instead of hiring local consultants or training staff and transforming them into EMR experts in their own work space, the hiring of large consulting firms has become the norm. Some healthcare organizations prefer large firms as they can provide more resources and consultants, which is helpful for larger healthcare organizations. These large firms employ individuals in various positions to ensure the successful implementation of EMR practices. These large firms offer Project Management, Build Analysts, Principal/Lead Trainers, Trainers, go-live support and any other position associated with an EMR implementation. To fill these positions, large firms cast wide nets on LinkedIn and other resume search engines.\nThe Downside to Large Firms\nLoretta Gallagher argues that there are some fundamental issues with the practices of large consulting firms. Not only do the individuals who are employed by large firms hop from company to company, contract to contract, but big firms are also all fishing in the same pond for resources. This forces firms to hire people who lack adequate experience to fill roles, thus healthcare organizations are paying top price for consultants who often learn on the job. Additionally, the high demand for EMR consultants means consultants are not building relationships with healthcare organizations. They are only focused on the goal of implementing EMR practices quickly, rather than providing long-term assistance.\nWhen deciding on an EMR consulting individual or firm, you must consider the expenses. Often you can find talented semi-local resources which will help cap some expenses compared to what large firms are charging. Expenses seem to have become a second source of revenue, with some consulting companies charging a flat weekly fee for expenses, regardless of what the actual expenses are. If you are paying a flat rate for expenses, consider how often the consultants will be working remote.\nThere are some great small firms that have years of experience and often are less expensive, notes Loretta Gallagher. With the change in the EMR market over the past few years, large firms are landing the hospital contracts and contracting out to the smaller firms for resources. This inflates the price of smaller firms, costing the client more. Hospitals could save a great deal of money working directly with the small firms, cutting out larger firms as the middle man.", "label": "No"}
+{"text": "According to TrendForce investigations, 2H22 smartphone production planning was quite conservative as brands gave priority to adjusting distribution channel inventory. At the same time, weak market demand worsened on the back of China's pandemic controls and brands were forced to lower their production targets. As a whole, production volume dropped 6% in Q2, even though volume had always grown in previous second quarters. Global output was only roughly 292 million units, a 5% annual decline compared with the production performance in the same period in 2021 when a second wave of pandemic outbreaks occurred in South Asia and Southeast Asia.\nSpurred by pandemic-induced lifestyle changes in the past two years, demand for distance education grew and sales of electronic products boomed, driving the growth of DRAM module shipments. According to TrendForce statistics, overall 2021 sales in the global DRAM module market reached US$18.1 billion, with an annual growth rate of approximately 7%. Due to different business strategies employed by each module house, revenue distribution among module houses varied.\nAccording to TrendForce research, material supply improvement and spiking demand for enterprise SSDs from North American hyperscale data center and enterprise clients in 2Q22 coupled with the Kioxia contamination incident in 1Q22 prompted customers to ramp up procurement to avoid future supply shortages. Manufacturers also give priority to meeting the needs of server customers due to the high pricing of enterprise SSD. In the second quarter, overall revenue of the enterprise SSD market increased by 31.3% to US$7.32 billion.\nAccording to TrendForce, as technology and materials evolve, the penetration rate of OLED folding mobile phones is estimated to reach 1.1% in 2022. While mobile phone brands successive launch new flagship folding devices, penetration rate is expected to exceed 2.5% post-2024 driven by improved specifications and increasingly competitive pricing. In addition, there is an opportunity to provide a breath of fresh air to a market steeped in sluggish consumer sentiment led by inflation and drive folding mobile phones into the mainstream.\nAs rising inflationary pressure continues to weaken the global economy, demand for various consumer applications has been downgraded since the second quarter and is expected not improve until the end of the year. Although server demand is stable, a period of inventory adjustment has been ushered in, which exacerbates oversupply in the NAND Flash market. According to TrendForce investigations, since sellers are no longer locked into fixed pricing, NAND Flash price declines in the third quarter expanded from the original forecast of 8~13% to 13~18% QoQ. If manufacturers' production capacity planning is not curtailed, this decline is likely to continue into the fourth quarter.", "label": "No"}
+{"text": "The period from October 15th through December 7th of each year. During this time, you can enroll in Medicare Advantage plans and Prescription Drug plans.\nThis means the doctor agrees to accept Medicare’s fee as payment in full. The doctor agrees to bill no more than the approved charged for a service.\nAs you age, your premiums will become higher. This term refers to Medicare supplement plans.\nThe person who has the health insurance through the Medicare program.\nA private insurance company.\nThe federal agency that runs the Medicare program.\nA cost sharing where costs are split on a percentage basis.\nAlso called managed care, your primary physician coordinates your health care services along with certain specialists and hospitals.\nA set dollar amount that you have to pay for a health service.\nHealth or prescription drug coverage that you have previously had.\nThe fixed dollar amount you must pay for health care or prescription drugs before your health plan, drug plan, or Medicare would then pay.\nThe difference between what your doctor charges and what Medicare would approve.\nA list of the prescription drugs that are covered by a Medicare Part D prescription drug plan. This plan would be through a private insurance company.\nRights that you have in certain situations whereby you cannot be denied a Medicare supplement policy.\nYour right to automatically have your Medicare supplement policy renew year after year, unless you commit fraud or don’t pay your premiums.\nA type of Advantage Plan where you need to use doctors and hospitals in the plan’s network.\nA seven month period that begins 3 months before you turn 65, or are otherwise eligible, and ends 3 months after the month you become eligible. This term applies to Medicare Parts B, C and D.\nPremiums are set at the age you are when you buy a Medicare supplement policy and will not increase because you get older. Premiums will increase for other reasons.\nA state and federally funded program that pays for health care for individuals with low income.\nA term that refers to a Medicare supplement policy.\nA group of doctors, hospitals, pharmacies or other health care professionals that have entered into an agreement with the health plan carrier to provide services to its members.\nA period of 6 months where you can buy any Medicare supplement, as long as you sign up for Part B of Medicare. You cannot be denied coverage for health reasons.\nFrom January 1st through March 31st, there is an Open Enrollment Period. During this time, you can change your current MA or MA-PD (Medicare Advantage/Medicare Advantage Prescription Drug) to a new MA or MA-PD, dis-enroll from your MA or MA-PD plan and return to original Medicare. After dis-enrolling from a MA or MA-PD and returning to original Medicare, you can enroll in a stand alone Part D Prescription Drug Plan (PDP). This enrollment period is only for those currently on an Advantage plan.\nThe maximum dollar limit that you will have to pay on an Advantage plan. This amount varies per plan.\nA type of Advantage Plan where there may not be a network, but you need to use providers who are willing to accept the terms and conditions of the plan.\nA type of Advantage HMO plan that allows it’s members to visit doctors and hospitals outside of the network for some covered services without getting a referral. There is usually a higher cost share if you go outside of the network.\nA person or organization that provides medical services, such as a hospital, doctor, clinic, lab or pharmacy.\nThe geographical area where a health plan accepts members and where members must get their health care services.", "label": "No"}
+{"text": "Can I buy or sell a Twitter account?\nSelling or shopping for a Twitter account isn’t felony, however some users promote their Twitter channels to earn cash to make profits. Many customers take into account selling their money owed as unethical for simply creating a earnings. At the same time, consumers purchase Twitter accounts as an choice to keep away from starting from scratch, which takes time earlier than you begin monetizing it and have an already present target market.\nBefore you purchase a Twitter account, constantly be secure for the reason that many scammers exist. To buy an existing channel, you must find a official dealer from an internet marketplace that sells proven Twitter bills. These marketplace web sites include the following.\nAccs-market.Com is a quick and at ease online marketplace in which Twitter users should buy and sell Twitter bills via an excellent deal. Buyers using this platform are guaranteed a secure switch to their new Twitter account.\nThe supplier also is guaranteed to get payments or in your account to be back to you. The website uses escrow offerings, enabling sellers and customers to transact correctly. If you want to buy a Twitter account, you could have a look at their website.\nIt has comfortable escrow offerings that facilitate a comfortable transaction among a buyer and the seller.\nThere is a guarantee of your cash lower back if the account you purchase differs from what you need or has fake followers.\nThere is not any assure of a reimbursement policy whilst the order is already achieved. The character accountable in case of being banned is the seller, who might be responsible.\nSwapd purchase twitter channel\nSwapd is a popular platform that has a excessive energetic consumer base. It is a depended on middleman service that provides customers with a safe way to sell and buy their accounts honestly.\nThere are many social media bills, like Twitter accounts, in this site wherein you can buy and sell accounts. The platform also has a cell app in which you can still buy and promote Twitter bills.\nThere is purchaser and vendor protection wherein scams are non-existence at the website.\nIt has a referral application in which contributors make 2% of each buy on the internet site.\nSpeed in supporting customers 24/7.\nThere isn’t any Twitter account safety when the order is finished among the sellers and customers.\nEpicNPC purchase twitter channel\nEpicNPC is one of the multipurpose marketplaces in which you could buy and sell any social media money owed. This website online allows to provide protection whilst shopping for and selling Twitter accounts. It has an active person base where you could buy a Twitter account from the dealers.\nIf you get scammed at the platform while the intermediary has manipulate of the account you purchased, EpicNPC returns a partial price of your price to you plus the middleman price.\nIt gives a loose exchange dad or mum, an automated carrier that gives instructions to help participants all through buying and selling debts.\nProvides escrow offerings that defend the seller and the customer transactions.\nThere isn’t any guarantee of overall protection whilst a purchaser buys a Twitter account.\nViralAccounts purchase twitter channel\nViralAccounts is the most depended on marketplace web page that has existed in operation because October 2010. Through this web page, you can buy and sell social media bills such as Twitter, Facebook, Instagram, Youtube, and others.\nYou should buy and sell Twitter bills on the web site, wherein transactions are carried out specially through PayPal, Bitcoin, Wire transfer, and TransferWise. The business enterprise does quite a few screening, anonymity, and high-quality manipulate and offers safety to each dealer and customer.\nThey provide extraordinary purchaser care to assist their clients.\nThe web page is a registered European organization that offers secured transactions between the customer and the seller of the account.\nOnce an order is accomplished between the vendor and the consumer, there is no go back coverage of refunds.\nUSEVIRAL purchase twitter channel\nUseViral is the quality-trusted issuer website online in which you can improve your fans on Twitter. This site makes use of the very best great and latest era to increase natural fans for your Twitter channel with the help of a devoted crew with a purpose to assist you.\nUseViral differs from other marketplace sites in how to buy; it has Twitter promotion offerings wherein you buy real Twitter followers, likes, retweets, video views, and female fans for your Twitter channel.\nGuarantee your channel to develop big with many fans.\nCustomer aid is great for his or her individuals\nBuying real fans is costly compared to getting faux fans.\n6. Mid Man\nMid Man purchase twitter channel\nMid Man is a precious platform that publications you in buying and promoting Twitter money owed with a comfy transaction. The web page suits your needs by finding the right account for you.\nIt has an professional team that makes buying and selling money owed established and trading conveniently. Visit the MidMan website online, and you can purchase a true Twitter account that has actual numbers.\nTransaction between the customer and the vendor is secured.\nIt has a guide team that makes the technique of purchasing and promoting to be fast.\nMid Man: Cons\nThere is no guarantee from the agency after finishing shopping for from the vendor. The seller has a brief and extended assurance for the account.\nSidesmedia buy twitter channel\nSidesmedia is a popular platform that assists in boosting your Twitter channel to gain more exposure to build your logo target audience. The web page has a Twitter promoting service that buys real Twitter promotions like Twitter fans, likes, retweets, and video views.\nSidesmedia gives a growth provider on your account via giving you real fans in an effort to make you top in the Twitter ranking. Avoid groups that offer faux fans because it’ll wreck your account, as the followers will not follow you or tweet, and your account will chance being banned.", "label": "No"}
+{"text": "A leading Cyber Security Consultancy are looking for a true Sales Hunter to join their growing team. Affiliated by CREST and offering the best possible levels of Service Delivery and technical expertise they have loyal portfolio of clients which has enabled year on year consistent revenue growth.\nThey are growing their BDM team and looking for hungry Sales professionals with experience in selling IT security services and solutions. They will be offering a generous basic salary with a double OTE plus other benefits.\n· Experience in selling IT security services and solutions\n· A proven sales track record\n· Business Development mentality – and experience in winning New Business deals\n· Knowledge of Ethical hacking, Governance risk and compliance, Threat Intelligence or SIEM\n· Experiences in varied deal sizes and lifecycles\n· Excellent presentation skills\n· Can build an accurate and well qualified pipeline\n· Being self-sufficient with the ability to generate new leads / prospects (with the help from an internal sales team)\n· Passion for Security", "label": "No"}
+{"text": "Advantages Of Online Casino Games\nDescriptionOnline casinos, called virtual casinos or on the internet casinos, are online variants of real online casinos. Online casinos let players to play online internet casino games over the Internet. There are several online casinos that accept numerous currencies. Most online casinos use the U.S. dollar as their only digital currency. Online casinos are a source of online gaming entertainment.\nBoth forms of online casinos are: live and online casino video poker. Live casinos have live sellers who initiate action for you. Sometimes, live dealers work with real cash, but most online casinos use either bank cards or electronic banking methods to fund live dealer accounts. Cards processing is often used for online casinos with bank cards, eCheck processing can be used for eChecks and other non-authorised fund transfers. Countless online casinos use live dealers for both video tutorial poker and internet casinos with e Checks.\nMost online casinos will offer live dealer support for at the very least the initial few hands in a live casino game. Typically, live dealers are employed in a virtual casino video game rather than a physical brick and mortar casino. Live dealers are subject to the same fraud and scam hazards as in a real gambling house.\nBonus deals are another feature of on the internet casinos use. Bonuses are a type of bonus that’s given to casino players upon their entry into a casino. There are generally no minimum degrees of playing experience needed to earn a bonus, however, players may be necessary to pay an entry fee. The amount of the bonus can range anywhere from an individual free-spin of a wheel to a free of charge spins of poker and blackjack. A new player can earn as much or as little bonus because they want.\nDown payment Bonus: A casino may provide a certain percentage charge on any deposits a player makes. This deposit bonus offer will not be a percent. It’s rather a set amount or perhaps a percentage of the full total deposits made. Casinos that not offer a deposit bonus may use the concept of “leverage” to lure casino participants. For example, if a player deposits ten money and the casino simply allows him/her to create five dollars deposits, the casino can boost the deposit bonus to permit the player to create six or even more deposits.\nOnline casinos work with a similar format and program of rewards when it comes to online casino games. The only difference between online and brick and mortar casinos is the lack of a “offline” location. Online casino software developers have been able to successfully replicate a lot of the benefits and features of traditional land-based casinos. Many on the net casino games offer slots, table games, poker, blackjack and other popular casino games. Some feature freerolls and pokers while some offer no Deposit bonus deals or bonus techniques.\nOnline casino bonus codes are an easy way for beginners to register and start playing and never have to risk a dime. Several online casinos offer free bonus points whenever a new player registers. The first deposit bonus is also a great way for beginner players to try their hand at a casino.\nThe most popular online casino games available today is on-line roulette. Online roulette supplies the same exciting casino experience as land-based roulette minus the travel time and expense. Previously, the only way to play roulette online was basically by betting real cash on an actual roulette table. Today, technologies has provided a method of playing roulette online which makes this a terrific way to improve your gambling expertise.\nWhen you enjoy all of the excitement of on-line roulette with live dealers, you’ll 우리 카지노 검거 still be able to take advantage of all of the features offered in the overall game. You can download software to your personal computer that will allow you to view all types of important information about live dealers. The seller stats and news will provide you with insight into what sort of live dealer may react to certain situations. In addition, it will be easy to view your own statistics, track your bonuses and win limits, and keep an eye on the number of bets you earn.\nOnline casinos offer you roulette, baccarat, craps, poker and other games that provide the same thrill as a land-based internet casino. However, they don’t use real cash. Instead, they use the virtual currencies and virtual chips that represent money deposited in an account. Because there are no risks involved, the digital casino games have become safe from fraud and frauds.\nFurthermore, most online casino games are free to play. This is a big benefit over land-based casinos. Since individuals do not have to pay to gamble, they are able to focus more time playing a common games. They do not need to pay rent for a room, pay taxes or monthly fees. This is a much safer way to enjoy entertainment.", "label": "No"}
+{"text": "How to become a green business? Whether you are striving for best practices or want to make it official with green business certification, this article will help small business owners proceed with wise choices…\n5 Steps To Make Your Small Business A Green Business\nAs a small business owner, there is no doubt that you are constantly on the lookout for ways to cut back on expenses without any sacrifice to your business, its products, and services. It becomes a delicate balance of investing the money needed for your business to thrive and grow, yet knowing when to rein-in spending when necessary.\nA green business model can really prove beneficial to small businesses. Not only is it a fabulous way to save on costs, but this can create a positive brand-image to employees and customers.\nToday’s consumers have become much more savvy and aware of who they choose to do business with. They are looking for companies that are truly giving back and aren’t just in it for numero uno.\nSo, could your small business become a green business? Let’s take a closer look at five smart steps to take.\n1. Go Paperless\nA great place to start is by going paperless and using digital record-keeping. Switching to a paperless office may seem like a large undertaking but, it will save money and decrease strain on energy resources for the long-term.\nThis is a tip that Utility Bidder, a business utilities broker, discusses highlighting green initiatives for businesses. As the blog points out, going digital will decrease paper consumption, and also ensure your business is communicating in the most modern way.\n2. Reduce Energy Usage\nWhen you think about cutting back on energy usage, this alone is better for the environment. This will indeed reduce your expenditures. But did you know you can also switch energy providers to achieve this goal?\nThere is a chance that other providers could offer more competitive rates using new technologies. In turn, you could save up to thousands per year. A real win – Especially considering you also reduce consumption.\n3. Offer The Option To Telecommute\nConsider creating a telecommute-friendly environment for your employees. This will allow team to work from home at least part of the time, which means:\n- Less bodies in the office\n- Less energy and resources being used on-site\n- Less gas usage by your staff from their commutes\nBonus: You’ll likely do okay with a smaller office space.\n4. Use Energy-Star Rated Computers\nAll computer equipment in the office can be changed over to energy-star rated pieces. Again, this will cut back significantly on the energy being used, yet employees won’t need to make any sacrifices.\nSome operations can take this one step further and ask that all team members turn off their computers at the end of their work day.\nThe result? Less wasted energy and lower utility bills.\n5. Install LED Lights\nInstalling LED lights in every light fixture in the office equates to huge energy savings. Plus these bulbs last much longer than traditional compact fluorescent lamps (CFLs).\nIf you have a lot of common spaces such as:\n- Break rooms\n- Meeting rooms\nYou can also install motion detectors so the lights will automatically turn off if no one is in the room.\nGreen Business Is The Way Of The Future\nWith so much attention on the environment, companies of all sizes are now looking for ways to “go green,” and lead the way with green business ideas toward impactful changes. Yours can be a part of this trend!", "label": "No"}
+{"text": "viRail helps you to find timetables and prices for all trains from Honau to Meggen.\nThe route from Honau to Meggen is served daily by 40 trains leaving from to the station of Honau, Hirschen and arriving at in the stations of Meggen, Meggen, Kreuz.\nIt's possible to buy a train ticket for an average price of 8CHF. The best price for the next few days is 5CHF.\nThe average journey duration is 53 min. The first train leaves at 05:31. The last one is at 19:16.", "label": "No"}
+{"text": "18 Jul, 2022\n﷼3,000 - ﷼5,000 monthly\nSF Limousines WLL\nAs you choose\nFrom Home / Freelance\nFreelancer sales positions are available for fleet sales on a contract-incentives basis. All successful sales qualify for decent incremental incentives as per volumes generated.\nIf interested, get in touch with us today to know more.\nW3C School Certifications\nYears of Experience\nEnglish, Arabic, Urdu, Hindi, Filipinio, Other\nTelesales, Telephone Support, Email Sales, Financial Modeling, Online Research, Online Advertising, Email Marketing, Voice Talent", "label": "No"}
+{"text": "Confidently manage trade compliance risk no matter where you do business. E2open Global Knowledge puts the world’s most accurate international trade database at your fingertips.\nEver-changing regulations and ever-increasing penalties\nMaintaining compliance in a world of constantly shifting regulations, restricted party lists, and product classifications takes continuous effort. With complexities and penalties increasing, effectively managing compliance risk has never been more important.\nGlobal Trade Regulations Interactive Map\nDiscover the largest database of government trade regulations worldwide by exploring a sample of Global Knowledge.\nMake compliance feel effortless\nWork faster by automating all aspects of trade compliance, and reduce both risk and costs at the same time.\nExpand your reach and visibility\nOur comprehensive trade regulation monitoring covers roughly 98% of world trade, so you can grow your business with certainty.\nReduce product costs\nOngoing updates help ensure that the system applies current duties, taxes, and fees for landed cost calculations so you can price goods accordingly.\nClassify products properly\nYou can correctly classify products for multiple countries referencing current tariff schedules and export controls while taking varying product definitions into account.\nGuard against fines and penalties\nThe ability to demonstrate due diligence across territories helps you guard your company against fines, penalties, and sanctions.\nAvoid illegal transactions\nAutomated identification of banned entities and trading partners in the global market makes it easier for you to avoid risky export and import transactions.\nEasy integration with other applications helps you reinforce compliance across operations regardless of your ERP system and trading partners.\nGlobal Trade Management Newsletter\nDramatic savings on duties and tariffs\nSignificant reduction in fines and penalties\nFewer manual compliance steps and bottlenecks\nCentralizing and automating our export control processes, and particularly our trade compliance, not only reduces risk for Sandvik, but opens new opportunities to do more business worldwide.\nWorking with e2open enables us to better fulfill short supplier lead times, reduce inventory levels, and dramatically improve inventory turns—all while lowering the total cost of ownership to our customers.\nOnce you can see the shipments moving in transit, you can predict any late shipments and adjust. NCR will see a seven-figure benefit from the implementation; it has added definite value for us.\nHaving visibility to the supply chain gives us and our suppliers the opportunity to plan. We talk about planning its capacity, its resources, its material—and it helps with the cost as well by having all those elements tied together.\nWith the e2open system, processes that used to take a whole calendar year now happen in a matter of days.\nWe know what stock we have in the channel, is it healthy, what our average days of stock are, do we ship in more or do we reduce what we are shipping? We are really in control of channel data.\nBy implementing an integrated international purchasing system, we have ensured that Leggett & Platt is maximizing its efforts to conduct its international procurement activities in a compliant manner.\ne2open compliance capabilities are very important for the Geodis Supply Chain Optimization compliance risk management program. The digital information is key to providing timely and accurate visibility, streamlining our compliance check processes, improving their efficiency and reliability. We’re now very well-positioned for the next wave of growth and ready to offer our customers more value than ever before.", "label": "No"}
+{"text": "Craig Development is a spinoff company of Craig Properties. Jesse Craig saw the need for more high quality multi-family living in downtown Fargo and started with our first project Alexandra Marie. Our next project was 220 West which completed in 2017 with more projects to follow in the future\nCraig Development offers a single-source solution to bring your project from concept to completion. Our team of experienced professionals continuously monitors the market and is ready to provide consultation on any aspect of the development planning stage.\nWhether you're looking for the best location to set up shop or are looking for ways to spread out your financial risk, come to us for help. We'd be happy to discuss your ideas and set you on the path to success.", "label": "No"}
+{"text": "An integral member of one of the most trusted Property Management teams on Sydney’s Lower North Shore, Grant Percy has built a reputation as a premier Property Investment Manager, due to his extensive industry knowledge and an exceptional standard of customer service. With nearly a decade’s experience in real estate, Grant Percy is renowned for his honesty, drive, dedication and friendly attitude. In 2013 Grant was awarded LJ Hookers ‘Top Property Manager Award for North Shore and Northern Beaches’.\nGrant started his property career as an Office Manager and quickly advanced to his current position of Senior Property Manager. He has a clear understanding of how valuable every investment property is and always goes the extra mile to ensure the leasing process is effortless and stress-free, with constant communication.\nAfter graduating from St Ignatius’ College Riverview, Grant went on to complete several property management courses, in addition to obtaining his Real Estate License. Being actively involved in sailing, soccer and tennis during his school years, today Grant is also a keen skier, golfer and tennis player.\nWith a strong work ethic and a focus on customer satisfaction, Grant demonstrates an unmistakable passion for minimising risk and providing optimal outcomes for all parties. He has comprehensive knowledge of the legalities of tenancy agreements, and the importance of selecting the most suitable tenants for his clients’ properties. Grant’s goal is to help landlords maximise the value of their investment properties by providing professional expertise, local knowledge and an unsurpassed level of customer service. His marketing and negotiating skills ensure the maximum rental return is obtained for every property in his portfolio.\nHaving always lived on Sydney’s Lower North Shore, Grant possesses an extensive local knowledge of Sydney and its rental market. Ever expanding expertise and knowledge of Sydney transfers value to his clients.\nIn 2014 LJ Hooker Castlecrag was also awarded Winner of the most ‘Outstanding Real Estate Agency’ for the North Shore Local Business Awards.\nIf you’re looking for 5-star service and unsurpassed attention to detail when it comes to your property management needs, look no further than Grant Percy and the team at LJ Hooker Castlecrag.", "label": "No"}
+{"text": "Available Engine Options\nBase Fuel Economy\nIf you’re looking for a spacious, powerful, and versatile crossover to transform your Kearney commute, then you may have top contenders on your list like the 2021 GMC Acadia or Honda Pilot. Each comes with its own set of performance and interior features, but only one can round it out with a stellar price. Explore which option suits you best with a closer look at the 2021 GMC Acadia vs. Honda Pilot, then shop our inventory for your next GMC crossover at Roberts Robinson Chevrolet Buick GMC!\nIn terms of starting price, Liberty-area customers will appreciate the competitive pricing of the base GMC Acadia configuration, which is $30,995 MSRP. Those considering the Honda Pilot will have to stretch their budget a bit further to accommodate its $32,550 MSRP. The lower starting price of the GMC Acadia allows you to consider other options in the lineup that fit your needs or invest in your favorite OEM parts and accessories to customize your crossover.\nWhen you look at the fuel economy you’ll get around Liberty, you can go a little bit further in the Acadia, as it comes with a 21 city mpg/27 highway mpg rating compared to the 20 city mpg/27 highway mpg fuel efficiency rating of the Pilot. No matter which model you choose, you’ll have the support of a 9-speed automatic transmission and an available all-wheel-drive system. You may also be interested in the slightly stronger base engine offered in the Honda Pilot, however, the GMC Acadia lineup offers customers three different engine options to get the power and capabilities you’re looking for. Compare the 2021 GMC Acadia vs. Honda Pilot engine options below:\nMany Kansas City car shoppers want extra passenger space from their next crossover, and they’ll be pleased to see that the Acadia and Pilot both come with ample space for both passengers and cargo. You can also utilize the split fold-down rear seats in each to maximize your cargo room. While the Acadia and Pilot may be in the same lane in terms of seating and storage capabilities, there Acadia forges its own path with exclusive features such as:\nOnce you’ve had a chance to see the 2021 GMC Acadia vs. Honda Pilot, are you ready to experience the difference for yourself behind the wheel of a GMC model of your own on Liberty roads? Lease or finance a new GMC Acadia for sale at Roberts Robinson Chevrolet Buick GMC, and save on your favorite GMC crossover package when you take advantage of our new vehicle specials. You can apply for financing online, or speak with our sales team about leasing your next ride. Contact us today to schedule a test drive at our dealership right here in Excelsior Springs!", "label": "No"}
+{"text": "How to Play the Lottery Online\nThe lottery is a game that offers the chance to win a life-changing payout. A large number of people have become millionaires playing the lottery. There are a few things to keep in mind when playing the lottery.\nWhile there is no guarantee that you will win a jackpot, it is a good idea to buy as many tickets as you can. This will increase your chances of winning and can also motivate you to continue buying tickets.\nIn order to play the lottery, you need to choose numbers from a pool. These numbers are randomly selected and can be used to win a prize. Most lottery selections fall between 1 and 31. You can find lottery data output websites that will tell you the winning combinations of your chosen numbers.\nSome states have online lottery systems. This is a more convenient way to play the lottery. Players can purchase tickets from anywhere in the world and participate in the same game as everyone else. It is also safer than buying a paper ticket.\nMany states are considering expanding their online lottery sales. The Michigan Lottery launched its first online sales in January 2016. As of March 2016, online sales have exceeded $8 million per week. Online tickets are sold at the same prices as in-store tickets.\nThe Michigan Lottery also offers several multi-state draw games and in-house games. If you play online, you can pick from three different multi-state games or eight in-house games. Purchasing a ticket through the internet can help you save money and avoid the stress of traveling.\nOne of the most popular lotteries, the Powerball, generates the biggest jackpots in the industry. To be eligible for a Powerball jackpot, you need to select six numbers. The jackpot increases in size as you play. But the jackpot is reset to a predetermined minimum amount when a winner isn’t found.\nIf you do not want to participate in the lottery through the website, you can contact a lottery concierge service. They will give you information on where to purchase tickets, as well as which lottery games are available. Once you have picked the lottery you want to participate in, you can begin purchasing your tickets. However, if you win a large amount, you will likely have to visit your local lottery claim center.\nIf you have an online casino account, you might be able to use your bank account to pay for your lottery. However, your online purchase is considered as an in-state transaction. Thus, the profits you earn will go to the state.\nAnother option is to purchase your lottery tickets through a lottery syndicate. Lottery syndicates are groups of players who buy tickets together. When you join a syndicate, you get the benefit of sharing the jackpots of several individuals. Usually, these syndicates offer fixed rates. Moreover, the odds of winning are much better than if you purchased the tickets independently.\nOther online lottery options include Instant Games. These games are similar to real scratch-off games, but are offered on the internet. Using a mobile app, players can choose from a variety of numbers.", "label": "No"}
+{"text": "Data: Which SC county has the heaviest drinkers?\nCollege football is a fall tradition in many areas of the country, but ticket prices are keeping some of even the most diehard fans at home. Forbes ranks the most expensive college football tickets in the country:\nIt's college football time, but some ticket prices are keeping even the most diehard fans at home.\nTexas authorities initiated the seizure of the 1,600-acre ranch where prosecutors say polygamist sect leader Warren Jeffs and others sexually abused children, officials said Thursday.", "label": "No"}
+{"text": "Rated: 3 times Rate It\nAuthor: Avi Srivastava\nDownload this FREE e-Book, and learn the keys to Internet business success. Download today!\nIf you haven’t heard of Private Label Rights, then most likely you’d think they were pulling your leg. But all the above are true if you are able secure these...\nFormats: PDF, Epub, Kindle, TXT\nDownload this FREE e-Book, and take the mystery out of resale rights! Learn the answers to the seven (7) most popular questions that are being asked on the to...\nDownload this FREE e-Book, and discover how wireless networks and broadband are fast becoming more advantageous, useful, and recognized for maximizing busi...\nBelieve it or not, online sales letter consists of mainly the use of mostly words and then some images. And words are indeed powerful tools; you should consid...\nTired of working 9 to 5? You should think of making money with real estate! Yes, the effort is well worth it! You just have to ditch the misconceptions and em...\nIf you’re in the event business this book is for you. If you want to be in the event business this book is also for you. If you want your company to be compet...\nFormats: PDF, Epub, Kindle\nYou can find the best ways to make money today from A to Z!Learn what is a passive income and learn how to save a lot of money too!\nIn the competitive security guard industry, it is possible for you to stand out from your competition and bring in more clients than you ever thought possible...", "label": "No"}
+{"text": "Inspired by Aventus for Him\nRegular price $ 35.00\nShipping calculated at checkout.\nInspired by the Aventus fragrance. While NOT identical it is close to the original. It is a fruity rich fragrance. We offer a 100% Money Back Guarantee (buyer is to pay return shipping charges). We guarantee you will love wearing our alternative and receiving many compliments!\nTop Notes: Lemon Oil Italian, Jasmine\nMiddle Notes: Jasmine, Velvety Woods, Patchouli\nBase Notes: Ambers, Musk", "label": "No"}
+{"text": "Advantages of Buying Medical Marijuana in an Online Marijuana Dispensary\nIt is much more beneficial to buy your buying medical marijuana in an online marijuana dispensary as compared to making your purchase in a physical marijuana dispensary. This is because it is flexible and cost effective. Another benefit of buying buying medical marijuana in an online marijuana dispensary is that it will help you get an infinite choice of designs. The following are the reasons why it is essential to buy latex fashion and custom design in an online marijuana dispensary.\nThe first advantage is that it is convenient. The reason why it is convenient is that you can place the medical marijuana order even when you are out with your friends or when you are at work. You, therefore, do not have to leave your engagements to get the medical marijuana. Being able to place an order when you are in need is another reason why it is convenient to buy medical marijuana in an online marijuana dispensary. TThis is because purchase medical marijuana in an online marijuana dispensary does not limit you like in a physical marijuana dispensary. You can also save your time when you make an online purchase. There is detailed information about medical marijuana in the online marijuana shop.\nAnother reason why buying medical marijuana in an online marijuana dispensary is essential is that you can track the status of your order. You can, therefore, know the shipping and delivery status when you buy medical marijuana in an online marijuana dispensary.\nBeing able to so a comparison of the prices of the medical marijuana from different online dispensaries is another benefit of buying them in an online marijuana dispensary. When you do this, it will help you to find an online dispensary that sells its medical marijuana at a pocket-friendly cost.\nFinding variety is another benefit of buying medical marijuana in an online marijuana dispensary. medical marijuana reno You can find a variety of medical marijuana when you purchase them from an online marijuana dispensary. Physical marijuana dispensaries may not have what you want. Therefore you may be required to move from place to place for you to get the medical marijuana you want. SoLWhen you purchase the medical marijuana in an online marijuana dispensary you are also not limited to your geographical region. SoLHence, you can place the order from across the world.\ngreenhouse dispensary Saving a lot of your money is another advantage of buying medical marijuana in an online marijuana dispensary. more aboutThe reason why you can save a lot of money is that you will not need to spend on travel, gas and parking expenses. You will also be able to buy medical marijuana at an affordable rate since you can be given coupons and discounts.", "label": "No"}
+{"text": "EconJobMarket.org is a new non-profit service to facilitate the exchange of information on the academic job market. The Canadian Economics Association maintains a searchable and daily-updated mirror of the EconJobMarket database of job openings.\nCanadian Economics Employment Exchange (CEEE)\nDecember 7-8, 2018\nGrand Hotel Toronto\nCanadian Economics Employment Exchange (CEEE) will be on Friday, December 7 and Saturday, December 8 at the Grand Hotel Toronto at 225 Jarvis Street, Toronto, Ontario (grandhoteltoronto.com). The purpose of the CEEE is to facilitate the search of Canadian PhD candidates who are seeking employment and of the Canadian organizations who may be interested in hiring these candidates.\nThe CEEE meetings will begin on Friday, December 7, with interviews taking place approximately between 9:00am and 6:00 pm. On Saturday, December 8, the interviews will continue from 9:00am to 1:00pm with possible extensions to 5:00pm. A cocktail reception will occur on the Friday evening from 6:00 to 7:30 pm.\nINFORMATION DESK AND HOSPITALITY ROOM\nThere will be an information desk and hospitality room, open from 9:00 a.m. to 5:00 p.m. on December 7th and 9:00am to 3:00 pm on December 8th. Employers are requested to check-in at this location. The information desk is where and where students can obtain employer interview room information. Light beverages and snacks will be provided in the hospitality room. The specific room number will be communicated closer to the date.\nOn Friday evening from 6pm to 7:30pm, there will be a cocktail reception at the Grand Hotel (the same location as the CEEE 2018 meetings) sponsored by the Bank of Canada . All CEEE participants are welcomed to attend. PLEASE make sure to drop by the information desk to pick up your name tag and ticket for the event.\nREGISTRATION & FEES\nStudent candidates are encouraged to fill out the CEEE Candidate Form to indicate your attendance to CEEE organizers. *There is no charge for candidates* If you require hotel accommodations, please refer to the Hotel Accomodation document with booking information and group rates.\nFor employers, there is a two step process for registration:\n1.) Please see the Hotel information Sheet with group rates and booking details for interview suits as well as accommodations. Interview rooms are to be booked with the hotel directly. If you experience any difficulties booking the group rate, please contact Dorinne Ah-Kam at firstname.lastname@example.org\n2) Register for the event with the CEA: A fee of $169.50 per employer ($150 plus 13% HST[ON]) is required to cover the costs of operating the exchange. Please make your credit card payment using our online payment system. Employers (typically represented by the department chair) should log in to their account on my.economics.ca, click on \"Make Payment\", and select the CEEE 2018 registration fee.", "label": "No"}
+{"text": "Michael Kyprianou & Co LLC is proud to announce that Marina Hadjisoteriou, Partner, has been recognised as a recommended lawyer in the Asset Recovery 2020 category in Cyprus by Who’s Who Legal.\nMarina has many years of experience in complex cross-border fraud and asset recovery cases and is often invited to speak at international conferences in relation to fraud and asset tracing. Marina has also been consistently recommended by The Legal 500 EMEA as a ‘Leading Individual’ in the field of Dispute Resolution in Cyprus. Marina is praised by clients as “an outstanding disputes resolution lawyer. She is fully engaged in the matter and very efficiently manages the most complex cases”.", "label": "No"}
+{"text": "Governments across Southeast Asia are confronting surging COVID-19 outbreaks, including in countries that were largely successful at limiting domestic outbreaks in 2020. Health authorities have responded by instituting aggressive containment measures and increasing investments for rolling out COVID-19 vaccines. However, governments across the region will struggle to achieve high vaccination rates in the short term, thus driving growing pressures on public and private healthcare systems.\nElective surgery levels have been further delayed or disrupted in recent months, and the recovery of medical tourism this year remains unlikely. Healthcare funding outlooks in the region are diverging, with some governments continuing to focus attention and budget share on the COVID-19 response, while others are setting the stage for a full-scale recovery of healthcare expenditures across therapy areas.\nDemand recovery in ASEAN will be undermined by persistent COVID-19 outbreaks and a slow vaccine rollout. The recovery path for Southeast Asia’s healthcare spending will remain challenging as countries confront unexpectedly strong COVID-19 outbreaks, while prospects for rapid vaccination of at-risk populations remain uncertain. Companies should expect health expenditure growth to gather strength into the second half of 2021.\nMinistry of Health budgets will experience widely divergent boosts this year. Most health ministries across the region received spending boosts in 2021 budgets, but governments prioritized COVID-19 vaccine purchases and broader infrastructure projects to accelerate an economic recovery. Governments and social security institutions have also sought more flexible budgets to confront shifting disease burdens and uncertain procedure and outpatient treatment volumes.\nRecovery of private healthcare demand will require progress on COVID-19 vaccinations. Overall private healthcare spending will recover once COVID-19 infection rates decrease, and medical tourism will recover once global vaccination levels improve markedly, delaying recovery in markets such as Malaysia and Thailand. This will create financing pressures on private hospitals that will lead to delayed capital expenditures and eventual consolidation in the sectors.\nFor further insights on our expectations for a recovery in ASEAN’s economic growth, measures affecting consumer and business sentiment, and key macropolitical risks for businesses in 2021, watch the full webinar presentation from CEO, Richard Leggett, and Senior Analyst, Ashu Agarwal, on the outlook for Southeast Asia.\nFrontierView has all the information you need about your market, industry, and company in real-time to power your business decisions. We offer a solution that puts the right information at the right time, at your fingertips. If you would like more insights into your specific markets, click the “Start Free Trial” button on your screen to speak with a dedicated Client Services Manager and receive complimentary access to our offering.", "label": "No"}
+{"text": "LOWDHAM athlete Richard Whitehead is featured on the front cover of this week’s edition of Athletics Weekly, the popular magazine for runners and athletes.\nWhitehead is a world class paralympic athlete with several national and international records to his credit, who won gold in the 200m T42 race at London 2012. His success meant a gold-painted pillar box in Lowdham Main Street, and the issue of a special postage stamp (see our coverage here)\nThis latest accolade includes an in-depth interview in the magazine, commonly referred to as AW, under the title British Blade Runner – interview with Paralympic champion Richard Whitehead.\nThe magazine can be found at larger news outlets (look for the October 25 2012 issue, price £3.15) or subscriptions can be bought online via http://www.athleticsweekly.com/", "label": "No"}
+{"text": "Mentorship programs can motivate your employees, develop their leadership skills, and improve productivity. But setting up an effective mentorship program isn’t always easy.\nTag: Learning Development\nResearch on training methods is essential to avoid the unnecessary costs that come with training. According to Forbes, the training market is worth approximately $109 billion in the United States. Therefore, the tasks of researchers are to search and define the best methods to present the information to the targeted trainees, as well as to […]\nWith 68% of employees preferring to learn at work, companies have a responsibility to cultivate workplace learning. As they explore the best way to implement an environment of self-improvement, the concept of creating a centralized, comprehensive learning and development (L&D) program is gaining traction.\nPasteris is president of TLMP Consulting Group and Lipis is owner of Lipis Consulting Inc. Focal points: All Companies Since for most companies there’s not a lot of money to go around, the question is, how do you get the best bang for the buck? Here’s what WorldatWork’s 2012 survey projects: Actual 2010 Actual 2011 […]", "label": "No"}
+{"text": "legalzoom llc promo code 2018\nAs a local business proprietor you will certainly legalzoom llc promo code 2018 wish to develop a legal entity structure to acquire limited liability defense. A popular method to get minimal liability security is to form a LLC to safeguard your personal properties from financial institutions, borrowers, and also lawful claims. One of the leading reasons for you to form an LLC is the advantage of having restricted obligation defense. Restricted obligation security is paid for to all members of an LLC An LLC ought to be operated with a full separation of individual and organisation properties. One advantage of developing an LLC is that of travel through tax status, or earnings flowing with the entity to the members or proprietors. In order to preserve the benefit of limited obligation protection, the company needs to abide by all neighborhood, government, and also state legislations. The company needs to also do every little thing that is called for to keep an excellent business status, pay all needed tax obligations, and also submit all required documentation. legalzoom llc promo code 2018\nlegalzoom llc promo code 2018 Prior to you make a decision if filing an LLC is ideal for your specific situation, you will certainly should learn about a few of the advantages, risks, as well as requirements that will impact you and also your company. Here are a few of the advantages of developing an LLC legalzoom llc promo code 2018\nBenefits of Creating an LLC. legalzoom llc promo code 2018\nOnly 1 participant of a service is required to form LLC.\nLLC can be tired much like sole-proprietorship, partnership, or firm (Internal Revenue Service form 8832).\nLLC can have more than 75 members.\nNonresidents people can be members of LLC.\nPass through taxation for LLC similar to sole-proprietorship or collaboration. legalzoom llc promo code 2018\nA Company could be the proprietor of an LLC.\nShould you Kind an LLC to write off business expenses?\nWhen choosing to create a LLC you will certainly have to consider all the options that are available to you. First is the understanding that all businesses, whether they are corporations, LLCs, sole-proprietorships, or partnerships could subtract their business expenses. You do not need to create an entity to have the benefit of deducting your expenses. Having the status of LLC or Firm might restrict your exposure to audit, however it does not supply more tax reductions compared to a sole proprietorship. As an example, a sole proprietorship could deduct any kind of legit overhead; such as cellular phone, automobile miles, gas utilized for business traveling, airplane price for business traveling, etc. Contact your CPA to confirm that this holds true for your certain scenario.\nlegalzoom llc promo code 2018 With either a LLC or an S Company, all of the business profits and losses will certainly pass-through to the proprietors of business each year. When you file your personal tax obligations, your accountant should provide you with a K1 for your service as well as include the profit or loss statement within your personal tax return. This is different from that of a c corporation because a c firm exists as a lawful as well as separate entity from its shareholders. The officers & supervisors are accountable for taxes, not the investors. The c-corporation is accountable for composing the federal government a check for all the revenues made within the tax year. The shareholders would certainly include on their income tax return any kind of returns or income got from business in the year, as well as not the specific revenue made by the business.\nNeeds for Creating L.L.C legalzoom llc promo code 2018\n. There are lots of demands for submitting an LLC as well as a few of them are:.\nLLC should contend least 1 member.\nLLC should keep an operating agreement. An operating arrangement is commonly considered a roadmap for your company. It will provide the participants, or owners, direction outlining the best ways to deal with certain situations for the business.legalzoom llc promo code 2018\nArticles of Organization should be filed with your Assistant of States Company Bureau. Many Secretary of States website supply thorough guidelines on how you can submit, where to file, how much to pay, and the annual requirements if any kind of. As an example, the State of The golden state requires all LLCs to submit a yearly Statement of Information specificing the members of the entity. This kind is also needed for corporations.\nAppears rather very easy doesn’t it? Well establishing the LLC generally is easy, particularly if you are intending to run a single or two participants LLC. The more complicated your business strategy, the extra complicated both the operating arrangement and also posts will certainly come to be. If you are planning on setting up an organisation as an LLC with participants which you do not know, you must think about consulting with an attorney to protect your rights. There are lots of instances of legalzoom llc promo code 2018businesses that don’t prosper, and examples of businesses that have monitoring problems and varying point of views in between members. Secure your interest by spending the additional time and money and also make certain that you have secured your properties. An attorney will be able to lead you and signal you to any pitfalls that could take place.\nThere are lots of service business readily available and this might be a great course for you if you are intending on setting up a single member or multi participant LLC. Prior to you submit, do your research and see to it that you can trust your companions which you have the correct posts and running agreement in position.\nHow to Form an LLC as well as pay less in taxes. legalzoom llc promo code 2018\nAs discussed previously, you could create a LLC by self-filing your posts, pay a provider, speak with a lawyer, and even speak with your accountant. No matter which declaring approach you favor or even choose, you have to consider your LLC from a tax obligation perspective. As soon as you have actually determined that an L.L.C. or company is appropriate for you, the significant determining element ought to be to minimize your total tax obligations. Each state will certainly have various tax needs as well as tax rates so contact your accounting professional and also ask which is best for you. Some short articles or web sites will declare that one is better than the various other, yet its outside of the extent of a post making this insurance claim.\nNumerous States now supply on the internet declaring techniques for beginning your LLC. Filing online in many states is very easy and also takes just a few mins. You will certainly have to have a significant bank card or debit card to complete the process of establishing your LLC. When you place your order online, the state will certainly review it and generally react within 1-5 company days.\nFirst, you will have to look for name availability. This process is normally very easy as many states provide website to check for available names. You can utilize the easily provided devices to try to find offered names within your state.\nNext off, you will wish to comply with state requirements that can be discovered on Assistant of State website. Check out the state internet site to find a sample as well as make sure that you follow the short article requirements or your records will be returned for correction. In states like California and also New York, returned documents could waste valuable time. legalzoom llc promo code 2018\nRunning Agreement for LLC.\nYou need to view your operating contract as a roadmap for your LLC and a guide to handle the difficult questions. The objective of having a well-detailed operating agreement is to define just how the participants as well as more significantly business ought to react to certain circumstances. An operating arrangement is needed for all LLCs no matter state. An operating agreement adds much less worth for a 1 member LLC since there is no chance of argument between the members.legalzoom llc promo code 2018 Nevertheless, if you have 50 participants in an LLC, it will certainly be essential to plainly detail an operating arrangement. A well composed operating arrangement will certainly serve as a guideline for solving many tight spots. If your operating agreement does not define what to do in a specific situation you might intend to call an unique meeting of the members to change the operating arrangement.\nWhat happens if it does not exercise? You could Dissolve your LLC.\nAn LLC, like a firm, can exist in perpetuity, or otherwise have a finishing date. An LLC can also be setup with an end day for dissolution. legalzoom llc promo code 2018 If you wish to dissolve your LLC you may wind up having your business examined by the IRS. It is a truth that lots of companies obtain examined when they liquify, so prefer to begin as well as shut your business carefully. Always get in touch with your accounting professional before dissolving a service.\nIn some circumstances, liquifying an LLC could be quite simple, and also it is completed in many states by filing a straightforward kind alerting the state of the purpose to liquify.\nIs Creating an LLC right for you?\nCreating an LLC is simple and while you can do it on your own, you could be far better off seeking expert support when setting up your business. In some circumstances you will certainly require the aid of a lawyer, accountant or both. Ideally after reading this you have a much better concept regarding the needs as well as a few of the potential risks of establishing and also running your personal LLC. While this post is not meant to have all the answers, it will with any luck offer you a great basis for progressing with the development of your new LLC.\nLLC stands for a limited liability company. LLC’s operate much the same means as a firm, in that it is a legal entity that could carry out service under its own name. An increasing number of business owners’ are choosing to create LLC’s each year yet why precisely are numerous business owners now doing this?\nAs the name restricted liability suggests the reason that many entrepreneur are choosing to form an LLC is to lower their personal liability. For example if you continuously operate your service as a sole proprietor or collaboration you are personally in charge of any type of service debts and for legal action settlement commitments brought against your company. Simply put almost whatever you own might possibly be at risk as well as be made use of to settle service financial debts. When you established an LLC you are in effect dividing your service from on your own. By doing this you are helping to safeguard properties such as your individual savings as well as other building including your cars, savings account, house etc\n. By forming an LLC, preserving as well as operating it correctly, you in addition to any other participants (proprietors of an llc are called participants) entailed ought to not be held personally accountable for points that may fail throughout the program of business or any one of the financial obligations that are come across. This means that personal properties of the participants are secured as well as will not be used as a means of clearing up organisation financial obligations.\nSo simply exactly how specifically do you go about creating an LLC? Think it or otherwise if you wish to develop an LLC you will certainly find it to be a rather straightforward process and also it might be one of the best things that you ever before do for your business. Actually all you in fact have to do is the following making it legal and also a fact:.\nFirst you will certainly have to choose a name for your service. There are two essential factors when it involves doing this. The evident one is you need to see to it the name you want is available and secondly you need to ensure that it abides by your state’s limited responsibility company statutes such as finishing with LLC. Even more, some words may be restricted by your state such as bank or insurance.\nNext you have to file development papers with the state. These are usually described as the short articles of organization or a certification of development, There is a cost to submit the documents with the state and also can vary between $50 to $500. Once your LLC filing has actually been accepted by the state you ought to then produce an LLC operating contract. Within this arrangement you ought to lay out the civil liberties and responsibilities of each of the LLC participants.\nLastly a few states call for that you release notice that the LLC formation has actually been completed. Make sure to examine if this is called for by your state. When this is finished you after that just need to get a Federal Tax obligation ID Number (FEIN) as well as any kind of licenses and also allows that might be needed for your type of business.\nLearn the basics on ways to create a LLC.\nLLC’s or a Limited Liability Company is a type of entity that you have the ability to register in numerous states. You have the ability to register a LLC through the Assistant of States’ workplace in the state that you intend to develop an LLC within.\nLLC’s are developed for several factors and one significant reason could be the tax advantages that can be acquired. Tax Obligations for Limited Responsibility Firms are done making use of something called go through taxation. This suggests that the income made by the service along with taxes for business would be reported by the participants of the Minimal Liability Company, it would not be separate from the individual.\nLike Corporations, LLC’s are able to give responsibility security for your organisation. It supplies protection by developing splitting up between you as a specific and also the business. As long as the LLC is established properly, it will shield you from any type of liabilities or issues sustained by the service. legalzoom llc promo code 2018\nAdvantages of Developing a LLC.\nAn advantage that Restricted Obligation Companies likewise use is the freedom to run your service without the headache of consistent reporting. Unlike corporations, LLC’s are not called for to maintain a document of conference mins e.t.c. This makes it a great deal less complicated to run an LLC, specifically for brand-new entrepreneur that will not have time to spend ensuring they did the best paper work.\nMaking use of a 3rd party to sign up brand-new LLC’s, could be helpful as well. Not just does it eliminate the worry of paper job, however it likewise offers you the guarantee that the documentation is done appropriately, getting rid of any kind of possibility of problems in the future.\nC-Corp: You are intending to elevate outdoors funding from a group of investors, think your company will certainly grow to be an industry and also possibly go public someday, or you would certainly choose to have all taxation took care of at the company degree as opposed to passed thru to specific shareholders including on your own.\nLLC: You anticipate your service to be smaller sized and also not have as lots of investors, and also to increase little (if any kind of) outside funding. You do not anticipate to go public however believe it is more probable you will certainly wish to pay the profits made by the company bent on shareholders regularly.\nStill can not decide? We’ll define each entity enter much more information which hopefully helps with your decision making.\nLLC– Limited Liability Company. These entities were developed to enable entrepreneur to set-up a legal entity that gives them individual lawful as well as financial protections (thinking you do not co-sign for the LLC’s obligations) while maintaining a tax obligation reporting framework that permits the business proprietor to tape-record earnings and losses on their individual taxes. As such, LLC’s are considered “Pass Through” entities for tax objectives, implying that the taxed profits or losses for business are passed thru to business proprietors, that tape-record these as part of their individual tax filings. The LLC does not pay company tax obligations commercial and does not gather losses for future tax obligation offsets. All this is passed thru to owners.\nThe LLC framework is commonly best for smaller business where there are a couple of proprietors that are actively involved in the business procedures (proprietors of an LLC are split right into energetic as well as passive proprietors, and also passive owners obtain considerably fewer tax obligation advantages from an LLC framework. To be thought about “Active” you need to be fulfill the Internal Revenue Service’s meaning of being meaningfully associated with the procedures of the business). LLC’s in most states are limited in terms of the variety of shareholders they can have, although this is changing as well as there are means around these limits, yet once more, LLCs are designed for smaller sized businesses so as you expand and also your shareholder base grows, you could run up against a few of these restraints.\nLLC’s are additionally an excellent selection in scenarios where you expect the company with have considerable earnings and you prepare to pay those out to shareholders often. Due to the fact that they are “Pass Thru” entities, LLC’s are not exhausted for the profits and also rather this is done at the private proprietor degree. Consequently, any cash from earnings in the LLC has actually been paid for in regards to taxes already by the proprietors, as well as could be distributed to owners with no extra tax due. This is various from a C-Corporation that encounters exactly what is called “Dual Tax” because the company pays tax obligations for its revenues, and then shareholders pay taxes for any distributions (dividends) paid to them. It is important to note that LLC’s do not need to disperse revenues to shareholders. You could elect to maintain earnings in the company rather to reinvest in business (or simply keep for a stormy day). Each owners share of these revenues is tracked in their funding account (component of the equity piece of your balance sheet).\nWe do not have information to reveal it, yet have actually learnt through some folks that they believe LLC’s get marked down worths to some extent in an acquisition, specifically if the acquirer is a C-Corp (note: basically every public company in the US is a C-Corp). There are two plausible debates for this sight. Initially, due to the fact that LLCs are not tired, they are most likely to have some fashionable stuff taking place when it comes to resources accounts, preserved profits, and so on. Because C-Corp money teams do not recognize LLCs also, they could be not surprisingly cautious, which could affect the valuation paid. The 2nd reason is that it is viewed as being less complicated for a C-Corp to acquire an additional C-Corp, whether it is the procedure of taking on impressive stock choices, handling tax issues for the stub year of the acquisition or other elements, there is most likely some reasonable disagreement below. Once more, we do not have data to back this up, but it deserves mentioning as you take into consideration the most effective structure for your business.\nOne last note on LLCs. If you have any strategies to elevate cash from institutional capitalists, DO NOT create a LLC. There is a simple explanation for this. A lot of endeavor funds are forbidden from buying LLC’s because these entities can create UBTI (unconnected business gross income) for the endeavor fund, as well as as a result for the funds restricted companions. The majority of endeavor fund limited partners are non-profit entities, as well as among the simplest methods to mess up this classification is to obtain UBTI. Therefore, venture fund documents go to terrific lengths to guarantee they will not be in a circumstance where they might handle UBTI. Before you compose a comment below, yes, you are appropriate, there are a lot of instances of endeavor companies purchasing LLCs (delay, however you claimed …). NONETHELESS, in these situations, the funds in fact invested in something called a “blocker corp”, which is a C-Corp formed for the express function of investing in a LLC. This “blocker corp” properly obstructs UBTI from entering into the fund, since it is dealt with within the blocker corp’s C-Corp framework. So, yes, they CAN make a financial investment in an LLC, it is an annoyance for venture funds to do this as well as they would significantly like you have a C-Corp. We would certainly likewise say that entering to pitch a venture fund with a LLC structure will certainly show you as being somewhat naïve concerning companies and venture financing, which may not be a major knock, but is still a knock. Given that, why give a possible reason for a potential financier to look in other places?\nC-Corporation. C-Corporations are exactly what we think of as “routine” service entities due to the fact that these are the types of entities we see and collaborate with daily. C-Corps are taxed organisation entities, implying that each year they report their profits/losses as well as pay tax obligations (state as well as government) when they earn a profit, and also videotape a tax loss carryforward when they have a loss (these could usually be applied versus future year earnings for tax functions). Shareholders in C-Corps have no tax effects from profits or losses as a result of having shares in the entity, and also would just have to pay tax obligations if they were to receive a dividend settlement from the company or were to offer their shares for a revenue. In addition, the ‘Corporate Veil’ of C-Corps is really solid in legal situations, meaning it is essentially unprecedented that an investor of a company would have any kind of lawful liability for the activities of business because of simply being a shareholder. While LLCs have comparable protections, they are less checked in the courts and because these entities are frequently pertaining to personal businesses, it is in some instances feasible for plantiffs to “pierce the corporate shroud”. There is a substantial quantity of lawful precendent for C-Corporations, which is an important consideration, especially as you company expands and also the possibility of some jerk trying to swindle money out of you for some fake legal claim rises (do you obtain the feeling we do not such as trial legal representatives?).\nThe main downsides for a C-Corp is that they are rather more pricey to preserve from a legal as well as tax filings perspective, as well as face “dual taxation” when dispersing profits to shareholders. This second item is one of the most essential, and is finest clarified with a fast example. Take a company that pays 25% in tax obligations on every buck of earnings, with investors that each pay taxes at a 30% efficient price. The company reports earnings of $1,000 for the year, and pays $250 of that in tax obligations. The company determines to pay the remainder to shareholders, so pays out $750 in returns. Investors report these rewards as well as earnings, and also are taxed on them at the 30% rate (not at the lower Resources Gains tax price), so of the $750 in rewards paid, $225 goes to pay taxes. So, with a C-Corp, of the $1,000 in profits, $475, or 47.5% is paid in taxes. If the entity were a LLC, business would pay no tax on the $1,000 profits. Instead, people would certainly pay taxes on these earnings at their personal tax rate, so in this instance, $300 would go in the direction of taxes, and the other $700 would certainly be paid to shareholders. This is a 17.5% tax obligation hit for having a C-Corp framework, which allows (as well as in our view a silly process, but we question this obtains altered anytime quickly, or ever before).\nBelow is the bright side. If you are intending to increase financial backing or money from Angel financiers, it is not likely you will certainly ever before pay dividends anyways, so you must not let the double taxes problem trouble you excessive. Capitalists anticipating making multiples on their initial financial investment are going to have a hard time making an appropriate rate of return based upon reward repayments. While every preferred financing framework we have actually ever before seen has rewards as part of the bargain, these are non-cumulative (or need to be) as well as are truly only in place as a defense mechanism for capitalists (to stop common holders from paying out all the resources in a company to themselves).\nOn balance, we would certainly recommend you select a C-Corp unless you are a small company or have a tiny group of owners. This is one to go over with your founders as well as legal experts, but if you would certainly examine any one of packages in the fast recap above for C-Corp, we would certainly advise going that route.\nQuick note: It is possible to convert an entity from a LLC to a C-Corp. It can be a pain to do this, yet it can be achieved, so do not fret if you are already developed as a LLC, you could alter it later on– we would certainly advise you plan to do it along with an outside financing round as it is not an economical process. Allowing possible investors recognize you are a LLC but plan to transform with the funding can assist with the slight knock we assume you’ll obtain for being a LLC to begin with.\n2nd quick note: If you intend to self-fund business for a number of years before increasing outside resources and enjoy optimum tax planning (as well as have a good tax obligation as well as business attorney), consider structuring as an LLC in order to acknowledge early year losses personally prior to you raise outside money. Plan to convert when your organisation starts to create an earnings or when you increase outside resources (whichever comes first). This only works if you are self funding with a purposeful amount of cash, and also will call for extra work (and also lawful fees), so we question this is the appropriate path for about 97% of individuals reviewing this write-up, but we like tax optimization so figured we would certainly discuss it for the 3% of you available.\nRelevant variables to incorporating as a C-Corp:.\nFactors in favor:.\nFacilitates outside investment – lots of financiers could only invest in C-corporations.\nHelps with stock choice plans, exchangeable notes, etc\n. Possible clients could feel that a company is more substantial and also extra “actual” compared to an LLC.\nExtra monitoring flexibility.\nPossibly extra business procedures, like having a board.\nIf the plan is to largely provide returns to stockholders.\nPertinent aspects to developing an LLC:.\nFactors in support:.\nIf your objective is a ‘way of living business’.\nPlan to pay profits to investors on normal basis.\nInvestor often tend not to prefer to buy LLCs.\nMay obtain slightly lower evaluations in procurements.\nMay get more costly and also complicated as service grows.\nCould be structured to appear like a corporation, yet that adds added complexity as well as cost.\nPertinent variables to making an S-Corp election:. legalzoom llc promo code 2018\nFactors in favor:.\nIf your objective is a ‘lifestyle organisation’.\nThe company will earn a profit right after the consolidation and also will certainly distribute it to the shareholders.\nLimitation on the number of stockholders (100 optimum).\nGuidelines on that your stockholders could be.\nTypically not feasible for venture-backed firms.\nBelow is how you can develop an LLC:.\nSelect a Name for Your LLC.\nSelect a Registered Representative.\nHave an Organisation Lawyer Prepare Your Articles of Company.\nHave a Business Legal Representative Draft Your LLC Operating Contract.\nGet a Company Recognition Number (EIN) from the IRS.\nOpen Up a Checking Account for the LLC.\nHave Members Daft an Investment Depiction Letter.\nPrepare as well as Submit Kind LLC-12 Declaration of Details.\nPay the Annual Charge to the State Franchise Business Tax Board.\nEstablish the Tax Standing for the LLC.\nLook for Any Necessary Authorizations and Licenses.\nTo your second question, you are much better off employing an attorney to do it for you if there is more than a single person (definition you will require an Operating Arrangement) or there is any kind of complexity.\nI concur that possibly the most important part is composing a great operating contract, services like legal zoom will certainly not give you with a custom-made Operating Arrangement and also accounting professionals do not actually like preparing governing records.\nEvery state needs every LLC to have an operating agreement and also it is one of one of the most vital documents you’ll ever before get ready for your LLC. legalzoom llc promo code 2018\nAn operating agreement that is tailored to your LLC ought to be prepared as well as filed by your business legal representative to ensure that it is accurate as well as complete.", "label": "No"}
+{"text": "General Counsel Services – St. Louis\nBusiness Formation and Strategy\nThe “choice of entity” decision is one of the most important decisions facing clients that own and operate businesses. Selecting the proper entity to initiate a business enterprise or effect an acquisition or real estate purchase depends on an analysis of various factors. Our General Counsel attorneys have the depth of experience necessary to analyze such factors and advise our clients of the pros and cons associated with the various entities available for such purposes, including partnerships, limited liability partnerships, limited liability companies and corporations.\nBusiness Succession Planning\nControl and ownership succession is often a difficult problem for families that own private companies. Our attorneys have extensive experience in offering strategies to smooth the transition of ownership and control and thereby insure the continuity of the company for the benefit of all concerned. Shareholder agreements, buy–sell agreements, voting trusts, ESOPs and irrevocable trusts are just some of the techniques our corporate and estate planning groups use to help ensure a smooth succession.\nCompanies require various commercial agreements to protect their interests and ensure the success of their business — supply agreements, distribution agreements, manufacturing agreements, non-disclosure and non-compete agreements, sales representative agreements, licensing agreements, government contracts, independent contractor agreements, leases, intellectual property licenses and employment agreements, to name just a few. Our attorneys have extensive experience in drafting and negotiating all such agreements for businesses large and small.\nWe believe that many disputes can be avoided with appropriate planning and legal representation at the front-end of business and other relationships. In the event a legal dispute arises, we counsel our clients on the alternatives available to resolve such disputes promptly and economically. Our corporate attorneys work closely with our clients and litigation team at the outset to attempt to resolve such disputes. The lawyers at our firm have extensive experience in all methods of dispute resolution, including, but not limited to, preliminary negotiations, mediation, arbitration and legal process.\nEmployment & Non-Competition\nOur General Counsel attorneys routinely represent both employers and employees in negotiating, drafting and enforcing employment agreements, deferred compensation arrangements and restrictive covenants such as non-competition and non-solicitation provisions. We also assist clients in structuring equity compensation structures such as incentive stock option plans, restricted stock plans, non-qualified stock option plans, phantom equity / bonus plans, profit(s) interests, and carried interest arrangements.\nOur attorneys represent both licensors and licensees in connection with patent, trademark and copyright licensing agreements. Our licensing experience covers a broad range of industries, including software, gaming, health care, surgical products, mechanical and electrical products, consumer goods, business processes, medical supplies and applied revenue analytics.\nSelling products and services in foreign countries raises multiple issues, including taxation, commercial finance, employment, customs, regulatory issues involving health, safety and product labeling, licensing, intellectual property, contracting and distribution, and repatriation of funds into the United States. Our attorneys assist clients with selecting, coordinating and managing relationships in foreign jurisdictions to offer their products and services for sale and advise clients in developing and executing an effective international business strategy.\nOur attorneys have significant expertise in planning, structuring, negotiating and documenting all types of complex partnerships, joint ventures and/or other strategic alliances. Our advice and counsel focuses on the tax, accounting, legal and business needs of our clients to help maximize the intended return from the contemplated relationship.\nOur extensive experience enables our clients to secure favorable provisions pertaining to the proposed relationship, including assisting the client in determining the amount and type of initial and/or additional capital contributions required; the value of any property and/or services to be contributed; the allocations of profits and losses, together with the timing and manner of distributions of cash flow; the proposed management structure; applicable transfer restrictions; buy-sell provisions; dispute resolution provisions; and dissolution and termination provisions.\nUniform Commercial Code & Secured Transactions\nOur attorneys routinely advise lenders and borrowers on complex matters relating to the Uniform Commercial Code and secured transactions, including: sales, leases, negotiable instruments, bank deposits, fund transfers, letters of credit, warehouse receipts, bills of lading, investment securities and secured transactions.\nContact us for a Consultation\nHave a legal issue or question? We invite you to contact us today to talk with one of our knowledgeable attorneys. 314-863-1500 or firstname.lastname@example.org.\nOver the last two decades Blitz, Bardgett and Deutsch has earned a respected reputation in the legal community as a top-flight litigation, real estate and business transactional firm based in St. Louis, Missouri, 120 S. Central Ave., 63105, with offices in Jefferson City and Columbia. BBD’s team of seasoned attorneys and notable up-and-coming associates are also recognized standouts in matters of Employment Law, Regulatory Work, Tax & Estate Planning and Alternative Dispute Resolution.", "label": "No"}
+{"text": "When people get tired from taking online surveys. To use it, you add two columns to your model - one to store the encrypted data and another to store the initialization vector (IV). Volume To get paid online survey review companies enough funds to consider it as a household income boost requires enough volume with the questionnaires to make the process worthwhile. It's easier when the number is pared down to 8. However, for Stripe, the first transfer is seven days - 10 myself on money to can paypal send i if sent internationally - with later payments typically taking two getting money for opening a bank account days.\nIf the site allows participants to be part of focus groups, consider the constraints your course puts on you. Why do birds sit evenly spaced on power lines. It also allows to write comments on the content and follow image channels. The reviews are the most viewed page of any website because people want to know whom they are employing. No doubt you have also found websites that were so disorganized that you didnt stay longer than a few seconds. Coupled by the issue of increasing energy demand and fast depletion of non renewable energy resources which have led to increasing energy prices do give human beings yet another chance to improve the worlds climatic conditions.\nWhen I worked at Aconex, a UXer got me involved at the very start of a pretty hairy feature-addition: some clients (but not all) were going to start using two-factor authentication. Such agencies provide you an ad tracking service for a particular amount of monthly or yearly payments. There is no lead time to buy and install new systems nor are their associated capital costs. Gone are the days when where to order with free shipping used to take quite a lot of time as the papers had to travel a long way. But we think thats OK. I don't believe every detail of every conspiracy, just that the central banks had four pillars of conspiracy, that were no doubt set as policy prior to the bubble.\nThink about it. Desktop software is generally much faster and easier map template use than web-based software. Puccini was justified in urging completion of the opera as he died before the team had completed the third act. Is Bank of America missing out by not having a premium card and transferable points program, or would a new card like this just add white noise to the getting money for opening a bank account. This is one of the oldest and legitimate paid survey sites online. Mashable: This app allows you to keep up with the latest coverage from Mashable's Web site wherever you may be. Sleek should your credit rating tempo is not around the level, the loan providers can have absolutely no involvedness launch the money. I do believe that article source engines are well worth it when you have a niche product or service with extremely unambiguous and well-defined keywords.\nIt is true that Wordpress has a rich ecosystem of extensions, and there are undoubtedly some good ones for managing banners. If the first point could still be called an overstatement rather than a lie, maybe the next one is more convincing. Knowledge of the invertebrate fauna of the proposed nature reserve remains rudimentary.", "label": "No"}
+{"text": "How to open a plastic building supplies maker?\nAre you keen to open a plastic building supplies manufacturing business but don't know where to begin? Then you're in luck because this guide will lead you through all the steps required to check if your business idea can be profitable and, if so, turn it into a reality.\nOur guide is for prospective entrepreneurs who are thinking about starting a plastic building supplies manufacturing business no matter how far they are in their journey - whether you’re just thinking about it or in the middle of market research this guide will be useful to you.\nThink of this as your blueprint: we cover everything you need to know about opening a plastic building supplies manufacturing business and what key decisions you’ll need to make along the way.\nReady? Let’s get started!\nWhat is the business model of a plastic building supplies manufacturing business?\nBefore thinking about starting a plastic building supplies manufacturing business, you'll need to have a solid understanding of its business model (how it generates profits) and how the business operates on a daily basis.\nDoing so will help you decide whether or not this is the right business idea for you, given your skillset, personal savings, and lifestyle choices.\nLooking at the business model in detail will also enable you to form an initial view of the potential for growth and profitability, and to check that it matches your level of ambition.\nThe easiest ways to acquire insights into how a plastic building supplies manufacturing business works are to:\n- Speak with plastic building supplies manufacturing business owners\n- Undertake work experience with a successful plastic building supplies manufacturing business\n- Participate in a training course\nSpeak with plastic building supplies manufacturing business owners\nTalking to seasoned entrepreneurs who have also set up a plastic building supplies manufacturing business will enable you to gain practical advice based on their experience and hindsight.\nLearning from others' mistakes not only saves you time and money, but also enhances the likelihood of your venture becoming a financial success.\nUndertake work experience with a successful plastic building supplies manufacturing business\nGaining hands-on experience in a plastic building supplies manufacturing business provides insights into the day-to-day operations, and challenges specific to the activity.\nThis firsthand knowledge is crucial for effective planning and management if you decide to start your own plastic building supplies manufacturing business.\nYou'll also realise if the working hours suit your lifestyle. For many entrepreneurs, this can be a \"make or break\" situation, especially if they have children to look after.\nFirst-hand experience will not only ensure that this is the right business opportunity for you, but will also enable you to meet valuable contacts and gain a better understanding of customer expectations and key success factors which will likely prove advantageous when launching your own plastic building supplies manufacturing business.\nParticipate in a training course\nUndertaking training within your chosen industry is another way to get a feel for how a plastic building supplies manufacturing business works before deciding to pursue a new venture.\nWhichever approach you go for to gain insights before starting your plastic building supplies manufacturing business, make sure you familiarise yourself with:\n- The expertise needed to run the business successfully (do you have the skills required?)\n- How a week of running a plastic building supplies manufacturing business might look like (does this fit with your personal situation?)\n- The potential turnover of your plastic building supplies manufacturing business and long-term growth prospects (does this match your ambition?)\n- The likely course of action if you decide to sell the company or retire (it's never too early to consider your exit)\nAt the end of this stage, you should be able to decide whether opening a plastic building supplies manufacturing business is the right business idea for you given your current personal situation (skills, desires, money, family, etc.).\nAssemble your plastic building supplies manufacturing business's founding team\nThe next step to start your plastic building supplies manufacturing business is to think about the ideal founding team, or to go in alone (which is always an option).\nSetting up a business with several partners is a way of reducing the (high) risk of launching a plastic building supplies manufacturing business since it allows the financial risk of the project to be shared between the co-founders.\nThis also allows the company to benefit from a greater diversity of profiles in the management team and to spread the burden of decision-making over several shoulders.\nBut, running a business with multiple co-founders brings its own challenges. Disagreements between co-founders are quite common, and these can pose risks to the business. That's why it's crucial to consider all aspects before starting your business.\nTo make an informed decision, we suggest asking yourself these questions:\n- How many co-founders would increase the project's chances of success?\n- Do you and your potential partners share the same aspirations for the project?\n- What is your plan B in case of failure?\nLet's examine each of these questions in detail.\nHow many co-founders would increase the project's chances of success?\nThe answer to this question will depend on a number of factors, including:\n- Your savings compared with the amount of initial capital needed to launch the plastic building supplies manufacturing business\n- The skills you have compared with those needed to make a success of such a project\n- How you want key decisions to be taken in the business (an odd number of partners or a majority partner is generally recommended to avoid deadlock)\nPut simply, your partners contribute money and/or skills, and increasing the number of partners is often a good idea when one of these resources is in short supply.\nDo you and your potential partners share the same aspirations for the project?\nOne of the key questions when selecting your potential partners will be their expectations. Do you want to create a small or large business? What are your ambitions for the next 10 or 15 years?\nIt's better to agree from the outset on what you want to create to avoid disagreements, and to check that you stay on the same wavelength as the project progresses to avoid frustration.\nWhat is your plan B in case of failure?\nOf course, we wish you every success, but it's wise to have a plan B when setting up a business.\nHow you handle the possibility of things not working out can depend a lot on the kind of relationship you have with your co-founders (like being a close friend, spouse, former colleague, etc.) and each person's individual situation.\nTake, for instance, launching a business with your spouse. It may seem like a great plan, but if the business doesn't succeed, you could find yourself losing the entire household income at once, and that could be quite a nerve-wracking situation.\nSimilarly, starting a business partnership with a friend has its challenges. If the business doesn't work out or if tough decisions need to be made, it could strain the friendship.\nIt's essential to carefully evaluate your options before starting up to ensure you're well-prepared for any potential outcomes.\nConducting market research for a plastic building supplies manufacturing business\nThe next step in launching a plastic building supplies manufacturing business is to carry out market research. Let's take a look at what this involves.\nThe objectives of market research\nThe objective here is very simple: to assess the level of demand for your business and whether there is an opportunity for it to thrive in your chosen location.\nThe first step will be to check that the market is not saturated with competing offers and that there is room for a new player: your plastic building supplies manufacturing business.\nYour market analysis will also help you identify a concept and market positioning that has every chance of being successful in your target market, thereby helping increase your business's chances of success.\nCarrying out market research for your plastic building supplies manufacturing business will also enable you to better understand the expectations of your future customers and the most effective ways to communicate with them in your marketing plan.\nAnalyse key trends in the industry\nYour market research should start with an industry analysis in order to gain a good understanding of the main players and current trends in your sector.\nOnce you've delved into the current state of the market, it will be time to assess what proportion of your target market can be seized by your plastic building supplies manufacturing business. To do this, you will need to consider both the demand and supply side of the market.\nAssess the demand\nAfter checking out the industry, let's shift our focus to figuring out what your potential customers want and how they like to buy.\nA classic mistake made by first-time entrepreneurs is to assess demand on the global or national market instead of concentrating on their target market. Only the market share that can be captured by your company in the short term matters.\nYour demand analysis should seek to find answers to the following questions:\n- Who are your target customers?\n- How many are there?\n- What are their expectations?\n- What are their buying habits?\n- How much budget do they have?\n- What are the different customer segments and their characteristics?\n- What are the main distribution channels and means of communication for reaching each segment?\nThe aim of the demand analysis is to identify the customer segments that could be targeted by your plastic building supplies manufacturing business and what products and services you need to offer to meet their expectations.\nAnalyse the supply side\nYou will also have to familiarize yourself with the competing plastic building supplies makers on the market targeted by your future business.\nAmongst other things, you’ll need to ask yourself:\n- Who are the main competitors?\n- How many competitors are already present?\n- Where are they located?\n- How many people do they employ?\n- What is their turnover?\n- How do they set their prices?\n- Are they small independent businesses or national players?\n- Do they seem to be in difficulty or are they flourishing?\n- What is their market positioning?\n- What types of products and services do they offer?\n- What do customers seem to like about them?\nThe aim of the competitive analysis is to identify who your competitors will be and to gather information that will help you find a differentiating commercial positioning (more on that later in this guide).\nConducting market research is also an opportunity to look at the regulations and conditions required to do business.\nYou should ask yourself the following questions:\n- Do you need to have a specific degree to open a plastic building supplies manufacturing business?\n- Do you need specific licences or permits?\n- What are the main regulations applicable to your future business?\nGiven that your project is at an early stage, your focus should be to ensure that there are no roadblocks from a regulatory standpoint before you deep dive into the planning process.\nOnce your project is more advanced, you will have the opportunity to talk about regulation more in-depth with your lawyer.\nConcluding your market research\nBy the time your market research is completed, you should have either:\n- Pinpointed an untapped business opportunity,\n- Or arrived at the realisation that the market is saturated, prompting the search for alternative business ideas or models.\nIf the conclusion is that there is an opportunity in the market to cater to one or more customer segments currently underserved by competitors, that's great!\nConversely, if you come to the conclusion that the market is already saturated, don’t panic! The good news is that you won’t spend several years working hard on a project that has little chance of success. There is no shortage of business ideas either - at The Business Plan Shop, we have identified more than 1,300 potential business ideas!\nChoose the right concept and position your plastic building supplies manufacturing business on the market\nThe next step to start a plastic building supplies manufacturing business is to choose the company's market positioning.\nMarket positioning refers to the place your product and service offering occupies in customers' minds and how it differs from how competitors are perceived. Being perceived as a high-end solution, for example.\nTo do this, you need to take the following considerations into account:\n- How can you make your business stand out from your competitors?\n- Is it better to start a new plastic building supplies manufacturing business or acquire one that is already up and running?\n- How to make sure your concept meets customer needs?\nLet's look at each of these in a little more detail.\nHow can you make your business stand out from your competitors?\nWhen you decide to start your own plastic building supplies manufacturing business, you're facing an upward challenge because your competitors are already ahead. They have a good reputation, loyal customers, and a strong team, while you're just getting started.\nOpening a plastic building supplies manufacturing business offering exactly the same thing as your competitors is risky and potentially doomed to fail: why would customers take the risk of choosing a newcomer rather than a company with a proven track record?\nThis is why it is advisable to avoid direct confrontation by adopting a differentiated market positioning wherever possible: in other words, by offering something different or complementary to what is available on the market.\nTo find a market positioning that has every chance of success, you need to ask yourself the following questions:\n- Can you negate direct competition by serving a customer profile that is currently poorly addressed by your competitors?\n- Can your business provide something different or complementary to what is already available on the market?\n- Why will customers choose your plastic building supplies manufacturing business over the competition?\n- How will your competitors react to your entry into their market?\n- Is the market sufficiently large to allow you to set up a new independent business, or is it better to consider another avenue (see below)?\nIs it better to start a new plastic building supplies manufacturing business or acquire one that is already up and running?\nA way to benefit from a proven concept and reduce the risk of your project is to take over a plastic building supplies manufacturing business.\nBuying a plastic building supplies manufacturing business allows you to get a team, a customer base, and above all to preserve the balance on the market by avoiding creating a new player. For these reasons, taking over a business is a lot less risky than creating one from scratch.\nTaking over a business also gives you greater freedom than franchising, because you have the freedom to change the positioning and operations of the business as you see fit.\nHowever, as you can imagine, the cost of taking over a business is higher than that of opening a plastic building supplies manufacturing business because you will have to finance the purchase.\nHow to make sure your concept meets customer needs?\nOnce you have decided on your concept and the market positioning of your future plastic building supplies manufacturing business, you will need to check that it meets the needs, expectations and desires of your future customers.\nTo do this, you need to present it to some of your target customers to gather their impressions.\nExplore the ideal location to start your plastic building supplies manufacturing business\nThe next stage in our guide on how to start a plastic building supplies manufacturing business: choosing where to set up shop.\nSetting up your business in the right location will have a direct impact on your chances of success, so it's a good idea to think things through before you launch.\nTo help you decide where to set up your business, we recommend considering the following factors:\n- Visibility and foot traffic - This is important for a plastic building supplies manufacturing business because it allows for potential customers to easily find the business and increases the chances of attracting new customers.\n- Parking space, road and public transport accessibility - This is crucial for a plastic building supplies manufacturing business as it requires the transportation of large and heavy materials. Adequate parking space and easy access to roads and public transport can help with logistics and delivery.\n- Proximity to target customers - Being close to the target market is important for any business, but especially for a plastic building supplies manufacturing business as it can reduce transportation costs and increase efficiency.\n- Competitor presence - While it may seem like a disadvantage, having competitors in the area can also be beneficial for a plastic building supplies manufacturing business. It can indicate a strong demand for the product and provide opportunities for collaboration or partnerships.\nThese criteria will need to be refined according to the specific features of your project.\nAfter weighing the factors mentioned earlier, it's crucial to focus on your startup's budget. Look for a location that suits your business needs while being affordable, especially in the short term.\nOne of the issues that will also come up is the long-term future of your location, particularly if you opt to rent your premises rather than buy. In this case, you will need to consider the conditions for renewing the lease (duration, rent increases, etc.).\nLease agreements vary widely from country to country, so make sure you check the terms applicable to your situation and have your lawyer review your lease before you sign.\nDecide on a legal form for your plastic building supplies manufacturing business\nIt's now time to think about the legal structure for your plastic building supplies manufacturing business.\nThe legal form of a business simply means the legal structure it operates under. This structure outlines how the business is set up and defines its legal obligations and responsibilities.\nWhat are the most common legal structures?\nNaturally, the names and intricacies of business structures differ by country. However, they typically fit into two main categories:\n- Individual businesses\nIndividual businesses are usually a good fit for self-employed individuals and freelancers who want limited administrative work. These types of entrepreneurs are commonly referred to as sole traders or sole proprietorships.\nAs mentioned above, the main benefit of being a sole trader is that minimal paperwork is required to launch and operate the business. Tax calculations are also relatively simple and annual accounts are not always required (and when they are, usually don't need to be audited) which saves a bit of time and money on bookkeeping and accounting fees.\nDecision-making is also easy as the final decision is fully dependent on the sole trader (even if employees are hired).\nHowever, being a sole trader also has drawbacks. The main disadvantage is that there is no separation between the individual running day-to-day operations and the business.\nThis means that if the business were to file for bankruptcy or legal disputes were to arise, the individual would be liable for any debts and their personal assets subsequently at risk. In essence, sole traders have unlimited liability.\nThis also means that profits earned by the business are usually taxed under the personal income tax category of the sole trader.\nAnother drawback is that sole traders might find it harder to finance their business. Debt (bank loan for example) is likely to be the only source of external financing given that the business doesn't have a share capital (effectively preventing equity investors from investing in their business).\nCompanies are more flexible and more robust than individual businesses. They are suitable for projects of all sizes and can be formed by one or more individuals, working on their own or with employees.\nUnlike individual businesses, companies are recognised as distinct entities that have their own legal personality. Usually, there is also a limited liability which means that founders and investors cannot lose more than the capital they have invested into the business.\nThis means that there is a clear legal separation between the company and its owners (co-founders and investors), which protects the latter's personal assets in the event of legal disputes or bankruptcy.\nEntrepreneurs using companies also gain the advantage of being able to attract equity investment by selling shares in the business.\nAs you can see companies offer better protection and more financing options, but this comes at a trade-off in terms of red-tape and complexity.\nFrom a taxation perspective, companies are usually liable for corporation tax on their profits, and the income received by the owners running the business is taxed separately (like normal employees).\nNormally, companies also have to produce annual accounts, which might have to be audited, and hold general assemblies, among other formalities.\nHow should I choose my plastic building supplies manufacturing business's legal setup?\nChoosing the right legal setup is often simple once you figure out things like how many partners you'll have, if you hire employees, and how much money you expect to make.\nRemember, a great business idea can work well no matter which legal structure you pick. Tax laws change often, so you shouldn't rely too much on getting specific tax benefits from a certain structure when getting started.\nYou could start by looking at the legal structures most commonly utilised by your competitors. As your idea evolves and you're ready to officially register your business, it's a good idea to confirm your choice using inputs from a lawyer and an accountant.\nCan I switch my plastic building supplies manufacturing business's legal structure if I get it wrong?\nYes, you have the flexibility to change your legal setup later, which might include selling the existing one and adopting a new structure in certain situations. Keep in mind, though, that this restructuring comes with additional expenses, so making the right choice from the start is usually more cost-effective.\nAssess the startup costs for a plastic building supplies manufacturing business\nThe next step in creating a plastic building supplies manufacturing business involves thinking about the equipment and staff needed for the business to operate.\nAfter figuring out what you need for your business, your financial plan will reveal how much money you'll need to start and how much you might make (check below for more details).\nBecause every venture is distinctive, providing a reliable one-size-fits-all budget for launching a plastic building supplies manufacturing business without knowing the specifics of your project is not feasible.\nEach project has its own particularities (size, concept, location), and only a forecast can show the exact amount required for the initial investment.\nThe first thing you'll need to consider is the equipment and investments you'll need to get your business up and running.\nStartup costs and investments to launch your plastic building supplies manufacturing business\nFor a plastic building supplies manufacturing business, the initial working capital requirements (WCR) and investments could include the following elements:\n- Machinery and Equipment: This includes the cost of purchasing and installing machinery and equipment used in the manufacturing process, such as extruders, injection molding machines, and cutting machines.\n- Facility Improvements: This includes any renovations or upgrades to the facility where the manufacturing takes place, such as installing new flooring, improving ventilation systems, or upgrading lighting fixtures.\n- Tooling and Molds: As a plastic building supplies manufacturer, you will need to invest in tooling and molds for creating various plastic products. These can be expensive and may need to be replaced or upgraded periodically.\n- Fleet Vehicles: If your business involves delivering products to customers, you may need to purchase and maintain a fleet of vehicles. These can include trucks, vans, or other vehicles suitable for transporting plastic building supplies.\n- Computer Systems and Software: In today's digital age, a plastic building supplies manufacturing business will likely need to invest in computer systems and software for various purposes, such as design, inventory management, and accounting.\nOf course, you will need to adapt this list to your business specificities.\nStaffing plan of a plastic building supplies manufacturing business\nIn addition to equipment, you'll also need to consider the human resources required to run the plastic building supplies manufacturing business on a day-to-day basis.\nThe number of recruitments you need to plan will depend mainly on the size of your company.\nOnce again, this list is only indicative and will need to be adjusted according to the specifics of your plastic building supplies manufacturing business.\nOther operating expenses for a plastic building supplies manufacturing business\nWhile you're thinking about the resources you'll need, it's also a good time to start listing the operating costs you'll need to anticipate for your business.\nThe main operating costs for a plastic building supplies manufacturing business may include:\n- Staff Costs: This includes salaries, wages, benefits, and any other expenses related to your employees, such as training and development costs.\n- Accountancy Fees: You will need to hire an accountant to help you manage your financial records, prepare tax returns, and provide financial advice.\n- Insurance Costs: You will need to purchase insurance to protect your business from potential risks, such as property damage, liability claims, and employee injuries.\n- Software Licenses: As a plastic building supplies manufacturing business, you will need to invest in software licenses for programs such as computer-aided design (CAD) software and inventory management systems.\n- Banking Fees: You will incur fees for various banking services, such as wire transfers, check processing, and merchant services for credit card payments.\n- Raw Materials: This includes the cost of purchasing plastic resins, additives, and other materials needed for production.\n- Utilities: You will need to pay for electricity, water, and gas to operate your manufacturing facility.\n- Rent/Lease: If you do not own your manufacturing facility, you will need to pay rent or lease fees for the space.\n- Maintenance/Repairs: You will need to budget for routine maintenance and repairs for your manufacturing equipment.\n- Marketing/Advertising: You will need to invest in marketing and advertising to promote your business and attract customers.\n- Shipping/Transportation: You will need to cover the costs of shipping materials and finished products to and from your facility.\n- Packaging/Labeling: You will need to purchase packaging materials and labels for your products.\n- Travel Expenses: If you need to travel for business purposes, you will need to budget for transportation, lodging, and meal expenses.\n- Legal Fees: You may need to consult with a lawyer for legal advice and assistance with contracts, trademarks, and other legal matters.\n- Office Supplies: You will need to purchase office supplies such as paper, ink, and pens for your administrative tasks.\nLike for the other examples included in this guide, this list will need to be tailored to your business but should be a good starting point for your budget.\nHow will I promote my plastic building supplies manufacturing business's?\nThe next step to starting a plastic building supplies manufacturing business is to think about strategies that will help you attract and retain clients.\nConsider the following questions:\n- How will you attract as many customers as possible?\n- How will you build customer loyalty?\n- Who will be responsible for advertising and promotion? What budget can be allocated to these activities?\n- How many sales and how much revenue can that generate?\nOnce again, the resources required will depend on your ambitions and the size of your company. But you could potentially action the initiatives below.\nYour plastic building supplies manufacturing business's sales plan will also be affected by variations in consumer demand, like changes in activity during peak holiday seasons, and the dynamics within your competitive environment.\nBuilding your plastic building supplies manufacturing business's financial forecast\nThe next step to opening a plastic building supplies manufacturing business is to create your financial forecast.\nWhat is a plastic building supplies manufacturing business financial forecast?\nA plastic building supplies manufacturing business financial forecast is a forward-looking tool that projects the financial performance of your business over a specific period (usually 3 years for start-ups).\nA forecast looks at your business finances in detail - from income to operating costs and investments - to evaluate its expected profitability and future cash flows.\nBuilding a financial forecast enables you to determine the precise amount of initial financing required to start your plastic building supplies manufacturing business.\nThere are many promising business ideas but very few are actually viable and making a financial forecast is the only way to ensure that your project holds up economically and financially.\nYour financial forecast will also be part of your overall business plan (which we will detail in a later step), which is the document you will need to secure financing.\nFinancial forecasts are used to drive your plastic building supplies manufacturing business and make key decisions, both in the pre and post-launch phases:\n- Should we go ahead with the business or scrap the idea?\n- Should we hire staff or use an external service provider?\n- Which development project offers the best growth prospects?\nCreating a financial forecast for starting a plastic building supplies manufacturing business is an iterative process as you will need to refine your numbers as your business idea matures.\nAs your plastic building supplies manufacturing business grows, your forecasts will become more accurate. You will also need to test different scenarios to ensure that your business model holds true even if economic conditions deteriorate (lower sales than expected, difficulties in recruiting, sudden cost increases or equipment failure problems, for example).\nOnce you’ve launched your business, it will also be important to regularly compare your accounting data to your financial projections in order to keep your forecast up-to-date and maintain visibility on future cash flows.\nWhat does a financial projection look like?\nYour plastic building supplies manufacturing business forecast will be presented using the following financial tables.\nThe projected P&L statement\nThe projected P&L statement for a plastic building supplies manufacturing business shows how much revenue and profits your business is expected to generate in the future.\nThe projected balance sheet of your plastic building supplies manufacturing business\nYour plastic building supplies manufacturing business's projected balance sheet provides a snapshot of your business’s financial position at year-end.\nThe cash flow forecast\nA projected cash flow statement for a plastic building supplies manufacturing business is used to show how much cash the business is expected to consume or generate in the years to come.\nWhat is the best financial forecasting tool for starting your plastic building supplies manufacturing business?\nThe simplest and easiest way to create your plastic building supplies manufacturing business's projections is to use professional online financial forecasting software such as the one we offer at The Business Plan Shop.\nThere are several advantages to using specialised software:\n- You can easily create your financial forecast by letting the software take care of the financial calculations for you without errors\n- You have access to complete financial forecast templates\n- You get a complete financial forecast ready to be sent to your bank or investors\n- The software helps you identify and correct any inconsistencies in your figures\n- You can create scenarios to stress-test your forecast's main assumptions to stress-test the robustness of your business model\n- After you start trading, you can easily track your actual financial performance against your financial forecast, and recalibrate your forecast to maintain visibility on your future cash flows\n- You have a friendly support team on standby to assist you when you are stuck\nIf you are interested in this type of solution, you can try our forecasting software for free by signing up here.\nFinding a name and registering your plastic building supplies manufacturing business\nThe next step in starting a plastic building supplies manufacturing business is to decide on a name for your entity.\nFor starters, you cannot take a name similar to a name already registered by a competitor or protected by a trademark without inevitably risking getting sued. So you’ll need to find a name available, and reserve it before others can.\nIn addition, you will probably want to use the same name for:\n- Your company’s legal name - Example LTD or Example Inc\n- Your trading name - Example\n- A trademark - Example ®\n- Your company’s domain name - Example.com\nThe issue is that you’ll need to register your name in three different places almost simultaneously, but with each place having its own timeframes:\n- Registering a domain name is instantaneous\n- Registering a trademark takes at least 3 months (if your application is accepted)\n- Registering a company depends on the country, but it's generally fairly quick\nYou will therefore be faced with the choice of either registering everything at once in the hope that your name will be accepted everywhere, or proceeding step by step in order to minimise costs, but taking the risk that someone else will register one of the names you wanted in the meantime.\nOur advice is to discuss the strategy with your legal counsel (see further down in this guide) and to give priority to your domain names and your registered trademark. You'll always have the option of using a trading name that's different from your company's legal name, and that's not a big deal.\nTo check that the name you want is not already in use, you should consult:\n- Your country's business register\n- The register of trademarks where you wish to obtain protection\n- Your preferred search engine\n- A domain name reservation company (such as GoDaddy)\nIf the name you want is available, you can go ahead and register it.\nDeciding upon the corporate identity of your plastic building supplies manufacturing business\nThe next step in opening a plastic building supplies manufacturing business is to look at your company's visual identity.\nYour company's “visual identity” plays a crucial role in shaping your brand image. It helps you to be recognizable and to stand out from your competitors.\nAlthough you can define your visual identity yourself, it is generally advisable to call on the services of a designer or marketing agency to achieve a professional result.\nAt a minimum, you will need to define the following elements:\n- Brand guidelines\n- Business cards\n- Website theme\nYour plastic building supplies manufacturing business's logo allows others to quickly identify your company. It will be used on all your communication media (website, social networks, business cards, etc.) and official documents (invoices, contracts, etc.).\nIn addition to its design, it's important that your logo is available in a variety of colors, so that it can be seen on all media (white, dark background, etc.).\nHaving brand guidelines enables you to maintain consistency in formatting across all your communications media and official documents.\nBrand guidelines define the font (family and size), design and colours used by your brand.\nIn terms of fonts, for example, you may use Roboto in size 20 for your titles and Lato in size 14 for your texts.\nThe colours used to represent your brand should generally be limited to five:\n- The main colour,\n- A secondary colour (the accent),\n- A dark background colour (blue or black),\n- A grey background colour (to vary from white),\n- Possibly another secondary colour.\nDesigning business cards for your plastic building supplies manufacturing business is a must, as they will allow you to communicate your contact details to your customers, suppliers, partners, potential recruits, etc.\nIn principle, they will include your logo and the brand guidelines that we mentioned above.\nIn the same way, the theme of your plastic building supplies manufacturing business website will be based on your logo and the brand guidelines we mentioned above.\nThis involves defining the look and feel of your site's main graphic elements:\nWhat legal steps are needed to start a plastic building supplies manufacturing business?\nThe next step in opening a plastic building supplies manufacturing business is to look in detail at the legal and regulatory formalities.\nAlthough it is possible to do the formalities yourself and draft some of the documents detailed here, The Business Plan Shop recommends that you seek advice on these aspects from a law firm.\nRegistering a trademark and protecting the intellectual property of your plastic building supplies manufacturing business\nOne of the first things you need to do here is to protect your company's current and future intellectual property.\nOne way of doing this is to register a trade mark, as mentioned earlier in this guide. Your lawyer will be in a position to do the formalities for you and to help you select the classes (economic activities) and jurisdictions in which you have an interest in obtaining protection.\nYour law firm can also advise you on other ways of protecting your company's intellectual property.\nPreparing the legal documents for your plastic building supplies manufacturing business\nYour plastic building supplies manufacturing business will need a set of legal and contractual documents to operate on a daily basis.\nYour exact needs in this respect will depend on the country in which you are launching your plastic building supplies manufacturing business and the size and legal form envisaged for the company. Once again, we highly recommend having these documents prepared by your lawyer.\nAs a minimum, we recommend that you have the following documents prepared:\n- Employment contracts\n- General terms and conditions of sale\n- General terms and conditions of use for your website\nApplying for licences and permits and registering for various taxes\nHere too, the list of licences and business permits required for your business to operate legally will depend on the country in which you have decided to start your plastic building supplies manufacturing business.\nYour law firm will be able to advise you on all the regulations applicable to your business.\nLikewise, your accountant will be able to assist you and take care of the formalities involved in complying with the tax authorities.\nHow do I write a business plan for a plastic building supplies manufacturing business?\nOnce you've completed all the above steps, you can start writing the business plan for your plastic building supplies manufacturing business.\nWhat is a plastic building supplies manufacturing business's business plan?\nThe business plan is a document containing:\n- The financial forecast (discussed earlier in this guide), highlighting the project's financing requirements and profitability potential,\n- A written presentation, which presents your project in detail and provides the necessary context for the reader to assess the relevance and coherence of your forecast.\nThe business plan is particularly important: it will help you validate your business idea and ensure its coherence and financial viability.\nBut it's also the document you'll send to your bank and potential investors to present your plan to open a plastic building supplies manufacturing business and make them want to support you.\nSo it's best to draw up a professional, reliable and error-free business plan.\nHow to write a business plan for my plastic building supplies manufacturing business?\nIf you're not used to writing business plans, or if you want to save time, a good solution is to use an online business plan software for startups like the one we offer at The Business Plan Shop.\nUsing The Business Plan Shop to create a business plan for a plastic building supplies manufacturing business has several advantages:\n- You can easily create your financial forecast by letting the software take care of the financial calculations for you without errors\n- You are guided through the writing process by detailed instructions and examples for each part of the plan\n- You can access a library of dozens of complete startup business plan samples and templates for inspiration\n- You get a professional business plan, formatted and ready to be sent to your bank or investors\n- You can create scenarios to stress test your forecast's main assumptions\n- You can easily track your actual financial performance against your financial forecast by importing accounting data\n- You can easily update your forecast as time goes by to maintain visibility on future cash flows\n- You have a friendly support team on standby to assist you when you are stuck\nInterested? If so, you can try The Business Plan Shop for free by signing up here.\nHow to raise finance for my plastic building supplies manufacturing business?\nOnce your business plan has been drafted, you’ll need to think about how you might secure the financing necessary to open your plastic building supplies manufacturing business.\nThe amount of initial financing required will obviously depend on the size of your plastic building supplies manufacturing business and the country in which you wish to set up.\nBusinesses have access to two main categories of financing: equity and debt. Let's take a closer look at how they work and what sources are available.\nAt a high level, the equity of your plastic building supplies manufacturing business will consist of the money that founders and potential investors will invest to launch the company.\nEquity is indispensable as it provides the company with a source of long-term (often permanent) financing and demonstrates the founders' conviction in the company's chances of success, since their investments would be lost in the event of bankruptcy.\nEquity investors can generate a return on their investment through dividends (which can only be paid out if the company is profitable) or capital gains on the resale of their shares (if the company is attractive enough to attract a buyer).\nAs you can see, the equity investors' position is extremely risky, since their capital is at risk and can be lost in the event of bankruptcy, and the company must be profitable or resellable before they can hope to generate a return on their investment.\nOn the other hand, the return on investment that equity investors can expect to generate by investing in a plastic building supplies manufacturing business can be very substantial if the company is successful.\nThis is why equity investors look for start-up ideas with very high growth or profitability potential, in order to offset their risk with a high potential return on investment.\nIn technical terms, equity includes:\n- Share capital and premiums: which represent the amount invested by the shareholders. This capital is considered permanent as it is non-refundable. In return for their investment, shareholders receive shares that entitle them to information, decision-making power (voting in general assembly), and the potential to receive a portion of any dividends distributed by the company.\n- Director loans: these are examples of non-permanent capital advanced to the company by the shareholders. This is a more flexible way of injecting some liquidity into your company than doing so as you can repay director loans at any time.\n- Reserves: these represent the share of profits set aside to strengthen the company's equity. Allocating a percentage of your profits to the reserves can be mandatory in certain cases (legal or statutory requirement depending on the legal form of your company). Once allocated in reserves, these profits can no longer be distributed as dividends.\n- Investment grants: these represent any non-refundable amounts received by the company to help it invest in long-term assets.\n- Other equity: which includes the equity items which don't fit in the other categories. Mostly convertible or derivative instruments. For a small business, it is likely that you won't have any other equity items.\nThe main sources of equity are as follows:\n- Money put into the business from the founders' personal savings.\n- Money invested by private individuals, which can include business angels, friends, and family members.\n- Funds raised through crowdfunding, which can take the form of either equity or donations (often in exchange for a reward).\n- Government support to start-ups, for example, loans on favourable terms to help founders build up their start-up capital.\nThe other way to finance your plastic building supplies manufacturing business is to borrow. From a financial point of view, the risk/return profile of debt is the opposite of that of equity: lenders' return on investment is guaranteed, but limited.\nWhen it borrows, your company makes a contractual commitment to pay the lenders by interest, and to repay the capital borrowed according to a pre-agreed schedule.\nAs you can see, the lenders' return on investment is independent of whether or not the company is profitable. In fact, the only risk taken by lenders is the risk of the company going bankrupt.\nTo avoid this risk, lenders are very cautious, only agreeing to finance when they are convinced that the borrowing company will be able to repay them without problems.\nFrom the point of view of the company and its stakeholders (workforce, customers, suppliers, etc.), debt increases the risk of the venture, since the company is committed to repaying the capital whether or not it is profitable. So there's a certain distrust towards heavily indebted companies.\nCompanies borrow in two ways:\n- Against their assets: this is the most common way of borrowing. The bank finances a percentage of the price of an asset (a vehicle or a building, for example) and takes the asset as collateral. If the company cannot repay, the bank seizes the asset and sells it to limit its losses.\n- Against their future cash flows: the bank reviews the company's financial forecast to estimate how much the company can comfortably borrow and repay, and what terms (amount, interest rate, term, etc.) the bank is prepared to offer given the credit risk posed by the company.\nWhen creating a plastic building supplies manufacturing business, the first option is often the only one available, as lenders are often reluctant to lend on the basis of future cash flows to a structure that has no track record.\nThe type of assets that can be financed using the first method is also limited. Lenders will want to be sure that they can dispose of foreclosed assets if needed, so they need to be assets that have an established second-hand market.\nThat being said, terms and conditions also depend on the lender: some banks are prepared to finance riskier projects, and not all have the same view of your company's credit risk. It also depends on the collateral you can offer to reduce risk, and on your relationship with the bank.\nIn terms of possible sources of borrowing, the main sources here are banks and credit institutions.\nIn some countries, it's also possible to borrow from private investors (directly or via crowdlending platforms) or other companies, but not everywhere.\nTakeaways on how to finance a plastic building supplies manufacturing business\nMultiple options are available to help you raise the initial financing you need to launch your plastic building supplies manufacturing business.\nThere are two types of financing available to companies. To open a plastic building supplies manufacturing business, an equity investment will be required and may be supplemented by bank financing.\nLaunching your plastic building supplies manufacturing business and monitoring progress against your forecast\nOnce you’ve secured financing, you will finally be ready to launch your plastic building supplies manufacturing business. Congratulations!\nCelebrate the launch of your business and acknowledge the hard work that brought you here, but remember, this is where the real work begins.\nAs you know, 50% of business start-ups do not pass the five-year mark. Your priority will be to do everything to secure your business's future.\nTo do this, it is key to keep an eye on your business plan to ensure that you are on track to achieve your goals.\nNo one can predict the future with certainty, so it’s likely that your plastic building supplies manufacturing business's financial performance will differ from what you predicted in your forecast.\nThis is why it is recommended to make several forecasts:\n- A base case (most likely)\n- An optimistic scenario\n- And a pessimistic scenario to test the robustness of your financial model\nIf you follow this approach, your numbers will hopefully be better than your optimistic case and you can consider accelerating your expansion plans. That’s what we wish you anyway!\nIf, unfortunately, your figures are below your base case (or worse than your pessimistic case), you will need to quickly put in place corrective actions, or consider stopping the activity.\nThe key, in terms of decision-making, is to regularly compare your real accounting data to your plastic building supplies manufacturing business's forecast to:\n- Measure the discrepancies and promptly identify where the variances with your base case come from\n- Adjust your financial forecast as the year progresses to maintain visibility on future cash flow and cash position\nThere is nothing worse than waiting for your accountant to prepare your year-end accounts, which can take several months after the end of your financial year (up to nine months in the UK for example), to realise that the performance over the past year was well below the your base case and that your plastic building supplies manufacturing business will not have enough cash to keep running over the next twelve months.\nThis is why using a financial forecasting solution that integrates with accounting software and offers actuals vs. forecast tracking out of the box, like the financial dashboards we offer at The Business Plan Shop, greatly facilitates the task and significantly reduces the risk associated with starting a business.\n- This guide outlines the 15 key steps to open a plastic building supplies manufacturing business.\n- The financial forecast is the tool that will enable you to validate the financial viability of your business idea.\n- The business plan is the document that will enable you to approach your financial and commercial partners to convince them of the strengths of your project and secure the financing you need to launch your business.\n- The real work begins once you've launched your business, and the only way to maintain visibility of your company's future cash flow is to keep your forecast up to date.\n- Using a financial planning and analysis platform that combines forecasting, business planning and actual vs. forecast tracking and monitoring, such as The Business Plan Shop, makes the process easier and reduces the risks involved in starting a business.\nWe hope this guide has helped you understand how to start a plastic building supplies manufacturing business. Please don't hesitate to contact us if you have any questions.\nAlso on The Business Plan Shop\nDo you know someone who wants to know how to open a plastic building supplies manufacturing business? Share our guide with them!", "label": "No"}
+{"text": "Deciding on a budget is extremely crucial. You may have a fixed budget and then look out for storing options accordingly. It is advisable to have a budget planned to curtail unnecessary expenditure. If you don’t plan to spend a bunch on these services, you can opt for services which either offer self storage options or outdoor vehicle storage. Being aware of discounts is also beneficial. Some companies also offer discounts to senior citizens and military personnel.\nInsuring your vehicle and storage is vital. Most of the packers and movers do offer insurance policies, but it is still your concern to get it checked. Ensuring that the storage company is registered is another important thing to do. Many companies have a fixed number of years that you can store your vehicle in for maximum time. You need to check on this as well and plan your storage accordingly. It is advisable to plan on this aspect carefully as this may be directly proportional to the costing of your storage.\nMany moving companies in Dubai are coming up with their own vehicle storing space these days. With all the storage practices and the benefits that these companies provide, these services are a great bargain!", "label": "No"}
+{"text": "::PUKING UP SPRINKLES::\nFor about a month, I wanted to read James Frey's A Million Little Pieces\nbased on a recommendation by a girl I semi-idolized. But then it became an Oprah book, and my interest waned.\nAnd then all the controversy.\nAnd now, Random House is offering readers their money back", "label": "No"}
+{"text": "What is augmented and virtual reality? – Casino Games\nJust like a genuine online casino, you stand to win actual cash. If the on-line casino site is not fully certified, or licensed by an unidentified licensing body, jakartadaily.co.id you might finish up shedding every one of your winnings. If an on the internet player has a problem against an online gambling enterprise, they will lodge it with their governing body.\nThroughout the Black Friday raid in the US in 2011, numerous on-line gambling establishments were arraigned. Lots of gamers were scared and tried to withdraw their profits. For electrolab.net some, this led to the on the internet casino site unable to payout, as well as because it was illegal to make use of the on-line casino to begin with, they had to surrender their earnings.\nThe Black Friday raid brought a restored concentrate on policy and licensing for on the internet gambling establishments. For gamers, it has meant that there are now reliable governing bodies that make certain that on-line casinos satisfy minimal payout percentages and also maintain player funds in a different account than that made use of for the online casino’s procedures.\nThis implies that if you recognize on-line gambling is legal where you live, you can discover a commendable online casino that has stringent policies. If on-line betting is prohibited in your location, you could be lured to explore an offshore online gambling establishment.\n18 Best Online Casinos in the World: Top Gambling Sites\nYou can pay a fine or also be sent out to jail. You likewise put your funds in jeopardy as there is no other way that your city government will fight on your side if the on the internet casino site declines to pay your jackpots. Overall, it is more secure to gamble online in locations that it has actually been legalized.\nThere are many sites that offer on the internet casino site evaluations. These evaluations can assist you to understand what each online casino offers in terms of support, incentives, https://stockmarketedge.sperofy.com games, as well as mobile applications. As soon as you have actually decided on your online casino of option, you will typically comply with the following four actions: Produce your account Tons your money Select a game Wager money on the outcome of the video game When you develop your account, you’ll be asked to offer your recognition records, evidence of address, and financial information.\nOther Sources about\nHow Latest Online Casinos Are Lobbying Up the Gambling\nAll leading online casino sites will have security software for their gamer information. In the past, online gambling enterprises and gamers needed to be imaginative to navigate the validities of on-line gambling in locations where it was unlawful. To do so, many online casinos established up repayment processors to manage the payments in between players as well as online casinos.\nThe top online casinos will permit you to use Visa and also Master, Card for settlements. Your money is the amount of cash you have assigned to utilize for gaming.\nThe Advantages and Possibilities of Virtual Reality Casinos\nIt includes knowing exactly how to bet, when to log off, as well as what kind of buy-in you ought to spend for. You should be very purposeful with just how you use your money, or else, you could end up losing a lot more money than you originally expected. This belongs to betting properly and is vital to enjoying your betting experience.\nThe gambling enterprise is not able to rig games, which they would not want to do in any situation, since they do not have straight accessibility to the video game’s software application. The most effective online gambling enterprise will certainly use the very best video games. This means that players can unwind and also take pleasure in the game, as opposed to question if they are being capitalized on.\nIf you shed the game or wager, cash will be deducted from your bankroll. At any type of point, you have the ability to withdraw your money (with payouts as well as losses) back right into your financial institution account. If you no more wish to have an account with an on-line gambling enterprise, you can withdraw your cash and close your account.\nBonus offers If you have actually discovered on the internet casino sites prior to, you will certainly recognize with signup rewards. Exactly how do on the internet casino site perks function? Primarily, in order to lure players to register and stay with their on-line gambling enterprises, numerous on the internet gambling establishments use bonuses for gamers. These commonly been available in the form of matching the quantity of cash a person deposits when they register as a welcome perk or gratifying commitment.\n10 Benefits of Getting into the Online Casino Business\nIt is important to review the terms as well as conditions that feature a welcome benefit. Naturally, an on the internet casino wouldn’t intend to give you the benefit just for you to promptly withdraw it and also shut your account. Therefore, many welcome incentives need players to play a particular quantity of video games prior to they can take out the perk.\nThis suggests that you may be limited from withdrawing for a particular period of time, and maybe not even several of your earnings till you have fulfilled the requirements for withdrawal. Another kind of welcome perk is access to cost-free online gambling establishment video games. This is generally in the form of minimal free-spins in on the internet slots, or free credit scores for online casino table games.\nSome online gambling enterprises will certainly give you the option to approve or reject the welcome incentive. When considering this, you must believe regarding how lengthy you imagine playing online.", "label": "No"}
+{"text": "Browse through some of our most popular categories.\nTop picks for you\n- Rs 2,500Agha noorSarwar Town, LahoreToday\n- Rs 180,000Iphone XS MAX 64GB GOLD sealed boxOthers, IslamabadToday\n- Rs 29,000Redmi note 5 proKorangi, KarachiToday\n- Rs 15,500samsung note 5 good codition sirf set hyNanak Wara, KarachiToday\n- Rs 20,500Emplifier and SpeakersKacha Jail Road, LahoreToday\nWant to see your stuff here?\nMake some extra cash by selling things in your community. Go on, it's quick and easy.\n- Rs 52,000Auto incline treadmillJhelum, PunjabToday\n- Rs 1,400,000Amna Co.operative housing society phase 1Scheme 33, KarachiToday\n- Rs 2,000Natural Irani yakoot with heavy chandi ringSialkot, PunjabToday\n- Rs 9,0002 Bds - 2 Ba - 10000 sqfeetBahria town perivate room avaible for rent in per dayBahria Town, IslamabadToday\n- Rs 1,035,0002010 - 68000 KmToyota passo 2010 registered 2013PAF Housing Scheme, KarachiToday\n- Rs 21,500Y7 Prime 3GB 32GB blackGreen Town, LahoreToday\n- Rs 750Sweet and comfy cushonsGulshan-E-Iqbal Block 11, KarachiToday\n- Rs 45,000Samsung s8F-17, IslamabadToday\n- Rs 6,000Sofa com bed in best priceIslamabad Expressway, IslamabadToday\n- Rs 165,000Amna Society, ph 1, 120 ydsRufi Rose Petals, KarachiToday\n- Rs 25,500Samsung galaxy S7 edge.Toba Tek singh, PunjabToday\n- Rs 2,500Ionic mobileBuffer Zone 1, KarachiToday\n- Rs 11,500Lg g flex 2(3GB 32GB)Garhi Shahu, LahoreToday\n- Rs 1,800,0002013 - 100000 KmHonda civic vti oriel prosmetic registerd in 2014Askari, LahoreToday\n- Rs 650Arrifical smoke shell for wedding photosPechs II, KarachiToday", "label": "No"}
+{"text": "The upsell procedure is actually begun. Right now, a few other important activity is going to call for yet another investment, as well as you are actually gotten in this particular upsell method. Due to the opportunity the complimentary lotto details is actually accessible, you might possess been actually via 4 or even 5 upsells, as well as the totally free lotto relevant information is actually just about anything yet complimentary.\nIf the details possesses market value, it is actually basic individual attributes to maintain that info. The manufacturer of the provide does not presume the recipient of the relevant information (you) will certainly realize the details is actually either out of day, improper, or even that through functioning as an authorization body, they presume they can easily market you one thing.\nRemember you have not been actually provided this cost-free details. You are actually offered the impact you have to follow or even you will not receive the” free of cost lotto game info”. Ouch, the “free of cost lotto details” is actually zero much longer “free of cost lotto relevant information”.\nYour e-mail handle plus various other info is actually removed 메이저사이트 prior to you may acquire to the free of cost relevant information. Possibly you were actually used some lure for your individual info of possibly you provided up your details for free of charge. Ouch, the “complimentary lotto game details” is actually zero much longer “free of cost lottery game relevant information”.\nPerform what various other productive lotto game gamers carry out, commit in info that provides you an upper hand. Pay out a little bit of bit for excellent relevant information, and also significantly boost your odds of gaining.\nOne lifestyle expertise our company all reveal is actually on the market value of complimentary relevant information. Free lotto game relevant information is actually no various. If I am actually given cost-free lottery game details, one of 2 traits is actually going to take place.\nThrough the opportunity the free of charge lotto relevant information is actually readily available, you might possess been actually via 4 or even 5 upsells, and also the complimentary lotto details is actually just about anything however totally free.\nThe manufacturer of the promotion does not believe the recipient of the info (you) will definitely realize the info is actually either out of time, improper, or even that through functioning as an authorization physique, they assume they may offer you one thing.\nCurrently that our team are actually in the web time, the upsell appears various, yet it is actually precisely the exact same point. Free lottery game relevant information is actually zero much longer free of cost.\nYou go to the web site that is actually delivering the “complimentary lotto game relevant information”. Your e-mail handle plus various other details is actually removed prior to you may obtain to the complimentary details. Perhaps you were actually given some lure for your individual details of possibly you offered up your details for cost-free.", "label": "No"}
+{"text": "Amazon Alexa accelerator expands, will host up to 3 startups in London for 2nd cohort – GeekWire\nAmazon is now accepting applications for its second Alexa Accelerator cohort. The 13-week program, which launched last year and is run in partnership with Techstars, will accept 10 startups that will work out of Seattle. This year it will also welcome up to three additional companies that will participate from Techstars’ office in London. Amazon also has offices in London and Cambridge, and acquired UK-based voice recognition app Evi in 2013.\nAmazon and Techstars, which also runs a separate Seattle accelerator program, invest an initial $20,000 in each company for 6 percent common stock, with potential for an additional $100,000 convertible note.\nParticipating startups incorporate Alexa, Amazon’s popular artificial intelligence and machine learning-powered voice platform. You can read about the first cohort here.\nThe accelerator is part of Amazon’s $100 million Alexa Fund, which launched in 2015 and is used by Amazon to invest in companies that will push the boundaries of voice-based interaction. The tech giant has already invested in more than 30 startups as part of the fund.\nThe Information reported Tuesday about risks that startups take when taking money from Amazon’s Alexa Fund. “While Amazon’s backing helps the startups build their businesses, sometimes Amazon decides to go into the market directly,” The Information reported. “It can either offer to buy the startup or simply make the product itself.”\nThe Alexa Accelerator runs July through September, with Demo Day in October. Applications are due April 8. Information sessions will be held in Seattle, San Francisco, Los Angeles, London, Paris, Berlin, Tel Aviv, New York City, Boston, and Toronto.", "label": "No"}
+{"text": "There’s a lot of buzz around business process outsourcing and that’s for many reasons. Businesses have realized the advantages of outsourcing their non-core work to specialized partners. Also, many companies with big data projects need specialists to handle them so they could focus on core business activities. That’s why most businesses often turn to companies like EXB Soft to make their business run more efficiently.\nBusinesses now recognize the potential of outsourcing in lowering overall expenses and promoting business growth is a central contributing element. Business process outsourcing has proven to be a cost-saving tactic, but it has evolved into a strategy that allows firms to achieve more efficiency & better results.\nBusiness process outsourcing has gained significant momentum in recent years. Businesses of all sizes have realized the benefits of outsourcing non-core work to specialized partners, thereby reducing overall expenses and promoting business growth.\nThis article will analyze what’s new in the world of BPO today and how businesses can take advantage of it.\nBusinesses of all sizes turn to business process outsourcing to handle their non-core activities and improve CX. All industries and verticals can see this tendency. The fact that businesses now recognize the potential of outsourcing in lowering overall expenses and promoting business growth is a major contributing element.\nIn recent years, business process outsourcing has made a paradigm shift in the global sector. While the outsourcing industry began as a cost-cutting tactic, it has evolved into a strategy that allows firms to achieve more efficiency and better results.\nWhat is business process outsourcing?\nThe BPO industry is rapidly growing. Although outsourcing is often associated with a reduction in operational costs and working capital, the benefits may be much broader than that.\nBusiness process outsourcing (BPO) is an increasingly popular model for carrying out a range of business operations, from customer care to fulfillment, at a lower cost than hiring internal resources. It can also produce more qualified staff and reduce the stress involved in back-office tasks. Businesses without the resources to establish their own resource centers adopt the BPO model as a way to provide support staff as well as avoid some of the associated costs.\nBusiness process outsourcing (BPO) enables you to carry out specific business operations at a lower cost than hiring an internal team. Businesses without resources to fund the establishment of their own resource centers adopt the outsourcing model. It has received a lot of attention in recent years, particularly in the competitive corporate environment of today where costs are always rising and margins are being squeezed. Both overall performance and employee retention rates may benefit from it.\nStaying Ahead of the Curve: What’s New for BPOs\nThe paradigm shift in business process outsourcing has widespread the adoption of technology and going forward, technology will continue to play a significant role in determining how businesses will develop.\nOver the past few years, many businesses have started to move their business processes out of their own premises, away from their own location. The call for outsourcing has been widely recognized as a way of minimizing financial risks while offering competitive pricing and efficient delivery of services. As technology evolves, it plays an important role in supporting the direction and development of business process outsourcing.\nBusiness process outsourcing (BPO) is an umbrella term that refers to outsourcing services or functions that are performed by a third party. Many companies have realized the benefits of outsourcing by finding cost-efficient solutions that provide value-added services from their less costly offshore locations.\nLet’s quickly review the developments that are significantly impacting the business process outsourcing sector.\n1. Cutting-edge technology\nArtificial intelligence and machine learning, two examples of contemporary technology, have enabled BPOs to improve process efficiency and lower operational costs. AI-based workflows can handle routine or repetitive activities, freeing up the BPO personnel to concentrate on more complicated and strategically important projects. With robotic process automation and cloud-based technologies, this digital push aids outsourcing companies in accelerating expansion and delivering even better outcomes for their clients.\nDigital is a differentiator in the post-pandemic era. Therefore, it is crucial for BPO companies to constantly hone their technical skills in order to maintain competitive pricing and provide top-notch services to their important constituencies.\n2. Omnichannel CX\nOmnichannel customer experience is gaining ground across industries. Customers may now contact brands more easily thanks to the development of technology and social media outlets. These days, customers communicate with businesses via websites, phone calls, chats on Facebook and WhatsApp, and even comments on social media. A company must deliver a consistent, seamless experience across all of these channels. Customers receive homogeneous expertise as a result, which helps leave a lasting impression.\nIn order to stay competitive in today’s changing climate, businesses must put a high focus on managing omnichannel, connected communications effectively.\n3. Cloud Systems & Communication\nThe BPO industry has been greatly impacted by cloud-based communications because it has increased accessibility and efficiency. Outsourcing organizations employ cloud infrastructure to store their data in a consolidated and practical manner. There is no chance that human error will cause data loss. The possibility of a data breach is quite low because of the strong security of these cloud data storage. As a result, firms may quickly implement cost-efficiency, and worker productivity also rises.\nCloud-based communications have greatly impacted the BPO industry. Cloud infrastructure has increased accessibility and efficiency. Outsourcing companies use cloud data storage for the centralized and convenient storage of their data. There is no possibility of data loss due to human error as workers are following strict guidelines. The possibility of a data breach is low because of strong security measures to safeguard the files, which reduces the risk of exposing confidential information and intellectual property (IP). As a result, firms may quickly implement cost savings, increasing worker productivity.\n4. Use of Social Media Management\nSocial media has always brought in new consumer trends and opportunities for businesses to engage with their audiences. However, social media management has also become a significant trend in the business process outsourcing industry because it is not only a platform for communicating with consumers but also a source of growing demand. BPO firms that offer this service are finding their customers are looking for more than just engaging text messages or graphics in their marketing efforts.\nAs businesses increasingly rely on social media for consumer connection and improved online brand reputation. Social media management has become a significant trend in the business process outsourcing industry. For brands to keep their social media platforms free from spam and objectionable consumer reviews, content moderation services have become popular among BPOs.\nStart-ups are increasingly looking towards a BPO company in India to take care of their regular, day-to-day activities. Big & small firms are majorly outsourcing their peripheral functions, including salary and reimbursements, social media content moderation, HR processes, and more to India.\nThe process of outsourcing doesn’t have to be difficult either. Partnering with an experienced outsourcing provider can help businesses navigate their way through this with ease and take advantage of the rewards available.\nBy following some of the steps outlined earlier, companies looking to outsource should be able to connect with a partner that will meet their needs and expectations. Businesses can have better control over budget, timelines, and quality of the services they receive when outsourcing in a thoughtful and deliberate manner. When this is accomplished efficiently, outsourcing can become a great tool for businesses to leverage during tough economic times or any other time of the year.", "label": "No"}
+{"text": "voteallegheny.org – Welcome to the exciting world of online Sicbo gambling! If you’re a fan of this thrilling dice game and looking for a reliable platform where you can enjoy it to the fullest, then Dewi Toto is your ultimate destination. Known for its top-notch gaming experience and generous bonuses, Dewi Toto offers an exclusive credit deposit feature that makes betting even more convenient. In this blog post, we’ll guide you through the process of depositing credits on your official Dewi Toto online Sicbo account. We’ll also provide you with valuable information on how to get a fantastic deposit bonus that will further enhance your gaming journey. So, buckle up and let’s dive into the world of Dewi Toto – where luck meets excitement at every roll of the dice!\nGuidelines for Depositing Credit on the Official Dewi Toto Online Sicbo Account\nTo kickstart your online Sicbo adventure on Dewi Toto, you’ll need to deposit credits into your account. Thankfully, the process is simple and hassle-free! Here are some guidelines to help you through it. Ensure that you have created an official Dewi Toto account. Registration is swift and straightforward, requiring only basic information. Once you’ve completed this step, log in to your account using the provided credentials.\nNext, navigate to the “Deposit” section on the website. You’ll find various payment options available for credit deposits. Choose a method that suits your convenience and select the desired amount of credits you wish to deposit. Follow the prompts provided by Dewi Toto’s secure payment platform to complete the transaction safely. Rest assured that your financial details will be kept confidential with advanced encryption technology in place.\nCredit Deposit Link on the Dewi Toto Dice Sicbo Online Site\nIf you’re an avid fan of online Sicbo gambling, then Dewi Toto is the platform for you. With its user-friendly interface and exciting gameplay, it’s no wonder that players flock to this site for their dice game fix. But what if you want to take your gaming experience to the next level? Well, one way is by depositing credit into your account. Dewi Toto makes it incredibly easy for users to deposit credit onto their accounts. All you need to do is visit the official website and find the “Credit Deposit” link. Once clicked, you’ll be directed to a page where you can choose your preferred payment method.\nWhether it’s through bank transfer or e-wallets like OVO or GoPay, Dewi Toto has got you covered. Simply select your desired option and follow the instructions provided on-screen. In just a few simple steps, your account will be topped up with credits ready for some thrilling Sicbo action! But wait, there’s more! Depositing credit on Dewi Toto also comes with additional perks in the form of deposit bonuses. Yes, that’s right – every time you make a deposit on this platform, they reward you with extra credits as a token of appreciation.\nHow to Get a Deposit Bonus on the Dewi Toto Online Sicbo Site\nOne of the great features offered by the dewi toto online Sicbo site is the opportunity to receive a deposit bonus. This bonus can provide you with extra credit to enhance your gaming experience and potentially increase your chances of winning big! To get a deposit bonus on the Dewi Toto Online Sicbo site, there are a few steps you need to follow. You must make sure that you have created an account and logged in. Once logged in, navigate to the deposit section of the site.\nIn this section, you will find various payment methods available for making your deposit. Choose the method that suits you best and enter the desired amount of credit that you wish to add to your account. After completing these steps, be sure to check if there are any ongoing promotions or special offers related to deposits. Sometimes Dewi Toto will run specific campaigns where they offer additional bonuses or rewards for certain deposit amounts or specific payment methods.", "label": "No"}
+{"text": "Everyone wants to buy affordable cars that still look good, reliable and durable. If you can find cheap auctions for the sale of confiscated cars, then you can’t find one, but a series of available cars for which you can bid. Many of these cars, which are sold at auction, have low mileage and are in very good shape for used cars in raleigh. These cars are often auctioned because they were returned by a bank or credit signature, because the car buyer could not make payments.\nAt auctions, you can buy a car at 50% below the sale price.\nThere is a misconception that buying cars at auctions will give you a cheap, but lousy car. This is far from the truth, because most of these cars are in good working condition. The only reason for which they are put up for auction is related to unfortunate situations in which the owner can not make payments on the car loan. Some cars that come from public institutions are also sold only after 2 years of operation, and their number is about 5,000 to 7,000 miles.\nGiven this, you can count on buying very good cars at auctions. If you want to start searching for available vehicles now, you can turn to local newspapers. Auto auctions are usually advertised in banks or auction house documents. You can also search for auctions of cheaply seized cars on the Internet, because some auction organizers only publish in newspapers quarterly and sometimes never. Finding them online can be a more reasonable option. The only danger of searching online auctions is fraud. Choose your actions wisely and just visit the reputable sites of the auction company.\nYou must arrive at the auction before the official bidding begins. Check the car for damage from accidents, floods and engine problems. If it is not a mechanical type, try re-fitting the mechanic. You should also find out the actual book value of the car you want to bid on. Check out the cost of Kelly Blue Book or other companies that can be used as reference. This prevents you from setting too much price for a particular car at auction. As soon as the price reaches too high a price, you can simply get away from this car and stop making an offer.\nEarly birds get away with and buy the best used cars in raleighs. If you are late, the only remaining vehicles are the worst of all. Check out the inventory list and select about 5 cars that look like a good buy, start bidding for the cheapest car and the car you really want. If you lose this auction, go to the next option. Do not limit yourself to just one car for the whole auction, as you will likely get a tough competition from other participants. With low prices offered at auctions for seized cars, you can even get 2 cars for the price of one.\nVestibulum nec placerat orci. Mauris vehicula\nVestibulum nec placerat orci. Mauris vehicula,Vestibulum nec placerat orci. Mauris vehicula", "label": "No"}
+{"text": "Ready for some amazing sales? The Back Bay Platform Configurable Bedroom Set Collection Of bedroom-sets Just For You. Shop & Save Today! Save 70% or More. Competitive Prices .Top Design and Selection. Outstanding Service ..The Searching for Back Bay Platform Configurable Bedroom Set Find & Reviews is one of products shop our carefully selected for you.It is durable, stylish looks, and pretty cheap.It is ideal to buy for your loved ones or for their own use or to give as gifts on important dates.If you are looking for in this products?Please check the prices, the features of the products and compares the advantages and disadvantages Before You Buy this product.To sure that you will get the product that's worth.\nDo not let this Back Bay Platform Configurable Bedroom Set be like a breeze.You should study this article to increase confidence in this Back Bay Platform Configurable Bedroom Set... Are you currently intending to buy patio furniture online? There are some things you have to be aware of and which would be considered should you be buying your own locally. Something you can rest assured of when it comes to purchasing furniture for outdoors on the internet is that have a much wider choice of styles, shapes and sizes to choose from. Read more Back Bay Platform Configurable Bedroom Set\nIn this article we offer some suggestions that could show useful in helping you to find the right kind of outside furniture for your garden that you simply buy online.\n1. First off look carefully at the organization who's promoting the furnishings and check to see what sort of warranty they offer with the furnishings they are selling. Preferably you want companies exactly where they provide a guarantee of at least 5 many years on any items that you purchase from them to cover any problems relating to quality of supplies utilized or the actual way it continues to be constructed.\n2. Next look and see what kinds of ensures or returns guidelines they've in position. Keep in mind you are investing very a considerable amount of cash into patio furniture and you'd like to learn that if you're not whatsoever pleased it can returned or traded. The majority of the trustworthy businesses offering this kind of furnishings will give you a money back guarantee when unsatisfied using the product in a certain time period it can be returned and all money paid came back or allow you to trade it for an additional item.\n3. In addition to looking at how much the patio furniture is going to set you back require to consider the charges involved for delivery it to your house. The price the thing is online might look great, but once you have considered the expense of shipping this might take the price you pay above the spending budget you have established.\nSo if you are unable to effortlessly see what charges the organization models for shipping their furnishings proceed to the next one on the list. Also when looking at the costs of delivery items the company offer a number of different choices to you. Definitely what you will purchase this service will depend on the kind of support you use. For instance following day shipping is going to be much more costly than if you opt to wait several days for this to come to your home.\n4. Before you make your purchase ensure that you go through the outline for this cautiously and also consider the pictures on the site. Those sites who existing their products well understand how essential top quality furnishings are to be used outside.\n5. Lastly with regards to buying patio furniture online it is wise to invest time in studying any evaluations or testimonials you are able to of the items and the organization. But it is crucial that you read not only the good but the not so good testimonials and reviews too. This way you can make a more knowledgeable decision with regards to just which of the patio furniture companies will provide the highest quality furnishings and service for you personally.Read more Back Bay Platform Configurable Bedroom Set", "label": "No"}
+{"text": "Choose your personal and affordable insurance plan from 22 Individual health plans available in Charlottesville, Virginia. Of the 2 insurance companies that offer Individual health plans in Charlottesville, Optima Health and Anthem BCBS have the highest number of plans to choose from. Charlottesville consumers can choose from the following plans: 2 Bronze plans, 10 Silver plans, 3 Gold plans and 2 Plantium plans\nHealth Maintenance Organization(HMO) plans only allow you to visit in-network providers, 22 Individual HMO plans are available for you to choose. The lowest deductible Individual health plan is the OptimaFit Gold 1300 20% Direct plan from Optima Health, at a $509.07 monthly cost to you.\nIf you are on a budget, check if you qualify for the premium tax credit which can lower your Health plan cost. The carrier with the largest selection of Individual plans in Charlottesville, Virginia is Optima Health, which offers 22 plans with Health Maintenance Organization(HMO) network and 0 Preferred Provider Organization(PPO) network plans.\nIf you select Anthem BCBS as your Individual provider, you’ll have access to over 712 participating doctors in Charlottesville. Optima Health has over 54 doctors in their network. Individual enrollees that need to see a specialist in Charlottesville are in luck, as the city has over 312 doctors specializing in internal medicine, over 167 pediatrics specialists, and over 93 psychiatry & neurology specialists who accept Individual health plans.", "label": "No"}
+{"text": "2035 Eastlake Avenue E Unit: 203, Seattle, WA 98102\n954 Sq.Ft. LIVING AREA\n0.219 Acres lot\nHis real estate career has been multi-faceted, from commercial property management, project management, construction, and residential real estate sales. He draws upon his diverse experience on a daily basis, taking a holistic approach to every transaction.", "label": "No"}
+{"text": "Slots are a popular game at casinos, and they’re a great way to have some fun and win a little money. However, there are some important things to keep in mind if you want to play for real money and increase your chances of winning. Read on for some tips and tricks that will help you maximize your slots experience.\nFirst and foremost, you need to decide your main goal when playing slots – is it to have some fun or earn some cash? Knowing what your goals are will help you choose the right machines for you and avoid wasting time on machines that won’t pay out.\nSecondly, you need to understand how slot machines work and their payout structure. This will allow you to determine if a game is worth your while and how to size your bets so you can win the most money possible.\nYou’ll also want to find out whether the slot machine you’re playing has a low or high variance. This will affect your chances of winning, as high variance games are less likely to pay out than low volatility ones.\nThe best place to start looking for a machine with a low variance is the online casino reviews section on any online gambling comparison site. These sites will give you a comprehensive list of slot machines with the lowest variance and highest payouts.\nAnother good place to check out a machine’s variance is online forums and Reddit. These sites are full of slots players sharing their experiences at different casinos. You can also ask other players in these forums for advice and tips.\nThirdly, you need to know how much a spin on a slot machine will cost. This will vary depending on the machine and denomination. For example, a penny slot machine may have minimum bets that are much higher than a nickel machine.\nIt’s also important to understand how much each symbol pays out on a machine. This information is found on the pay table, which lists the values of each symbol and how many credits you can win for matching three or more of them.\nA pay table is an essential tool for any slot player, as it explains how the symbols on a machine work together to create a winning combination. It will also show you how much each symbol is worth, and explain any special symbols.\nThe paytable is also a great place to get information about bonuses, such as wild symbols and scatters. These can trigger bonus features or free spins.\nOften, the pay table will be located on the front of a machine and on video slot machines it will be in a menu or help screen. Usually, these screens can be reached through a “help” button or on a touchscreen.", "label": "No"}
+{"text": "Real Estate Agent at\nColdwell Banker SSK\nMore about Becky Jenson\nBecky Jenson is a real estate agent with Coldwell Banker Ssk, R in Georgia and has been in the real estate business for 9 years. Becky's coverage area includes Warner Robins, Perry, Centerville, Robins AFB, Eatonton and Fort Valley. HomeLight ranks Becky as one of the top 10% of agents in Warner Robins for successfully selling homes and as one of the top agents for selling homes fast.\nBecky Jenson's Reviews & Ratings\nTell us about your experience with", "label": "No"}
+{"text": "If you click on the links in this post, we may earn money from the companies mentioned in this post, at no extra cost to you. You can read the full disclaimer here.\nWith New Year’s Day under six months away, it’s a great time to plan out your New Years plans.\nAnd this year, why don’t you enjoy the holiday in a way you’ll never forget?\nWhy not take advantage of a great deal while ringing in the New Year in luxury by booking the Hogmanay Gala Ball package at Apex Grassmarket Hotel in Edinburgh, Scotland?\nHogmanay Gall Ball package includes:\n- 2 nights at the Apex Grassmarket\n- Full Scottish breakfast (2 mornings)\n- Hogmanay Gala Ball arrival drinks & canapés, 5 course dinner, ceilidh band, disco & piper at the bells", "label": "No"}
+{"text": "Electronic Data Interchange\nMy goal in writing this paper is to explore more deeply the topic of Electronic Data Interchange, which was discussed briefly in our text in Chapter 8. In short, EDI is a broad term that can be summed up as the paperless business transactions in a standard format called ANSI X-12. (2) EDI has become an essential piece of the e-commerce puzzle for businesses in the information age. Having a more thorough knowledge of the working of EDI is important for knowledge workers and managers alike. In the rest of this paper I will try to expand upon the topic of EDI and highlight some examples of how it is being used in industry.\nThe benefits of EDI are many. EDI cuts the costs involved in processing for instance a purchase order from a supplier to a manufacturer. A typical purchase order can produce up to 15 pages of paper and cost the company as much as $125 if you include all of the costs involved with creating and transmitting the document; labor, postage, faxing. Etc. Using automated EDI transactions, the cost can be cut to as low as 30 cents with no paper used at all. (Marks, 15.) Another benefit of EDI is that once the data is keyed in to the information system it does not have to be re-keyed, cutting down on errors in the data. EDI also drastically shortens the time from when an order is placed to when it is shipped and when it is paid for.\nEDI can be found in almost every industry imaginable. For example if you are shipping a package from UPS, it can be scanned at various points during delivery and that information can be automatically transmitted to the merchant's website where the item was purchased. EDI is also vital in \"Just in Time\" inventory management. It allows for real- time data to be exchanged between manufacturer and supplier to reduce costs incurred from maintaining inventories. The case of the partnership between the retailer Wal-Mart and its supplier Proctor and Gamble is an excellent example.\nOne recent trend in EDI technology is making documents available over the web through the XML language. Before most documents were transmitted via secure private corporate networks or PCN's for short facilitated by a VAN or Value Added Network who would act as the intermediary between two \"trading partners\" (2). One company, BorgWarner Air Fluid Systems, an automotive supplier has integrated its supply chain with multi-level suppliers over the Internet with the help of an EDI giant, GE's Global Exchange Services' TradeWeb technology. All concerned parties can view purchase orders and invoices over the web on a case by case basis without incurring the costs of subscribing to a VAN (3).\nEDI has become the standard over the last 20 years in transportation, banking, retailing, and manufacturing and now the media industry is starting to use EDI for billing. One highlight of EDI for invoicing is that it cuts down on the cost of having to rectify discrepancies. In the cable industry the normal order process would involve a media buyer having to check the invoice against actual airtime with a 70% to 80% discrepancy rate. With shifting to EDI the invoice and the actual airtime are matched against one another and any differences are caught and billed accordingly (4). This has dramatically improved the efficiency of the transactions between these two types of trading partners.\nAnother aspect of the real-time information environment is the power it offers organizations in negotiating prices from its suppliers. A case in point is that of Premier Health Partners of Dayton, Ohio. They are now saving over $1 million annually by using web based EDI and they can see what other competitors are paying for the same products which they estimate is saving them $250,0000- $500,000 annually. The return on investment has already outreached the expenditure on new labor, software, and hardware (5). This is a great example of how EDI can effect the efficiency of an organization.\nPlease join StudyMode to read the full document", "label": "No"}
+{"text": "Just How to Capitalize When Betting essentially\nThe laying of an equine on the wagering mufasabet exchange can be done either with a call option or a spread option. To bet on the horse where the price is the most affordable allow us take into consideration the placement. At the chances of 4/1 you require to pay ₤ 4 to safeguard your ₤ 1 stake if you wish to back a choice at the Bookmakers. The next wagering possibility you have is to lay the choice at the Exchange, at the chances of 11/ 8. The only means to make this wager is to have a bank on an occasion with an unfavorable result. In this instance we suggest that we desire to wager against the selection not that it will certainly shed. Right here at the Exchange we are supping that the equine will not shed. If we bet on the steed that wins at the Bookmakers we will certainly have to pay out ₤ 9, ₤ 8 of which we will certainly need to pay to the Bookie as well as ₤ 1 to the Exchange. Thus we will need to pay ₤ 5 at the Exchange as well as ₤ 7 at the Bookmakers. This means that ₤ 1 of our bets are paid to the Bookmaker and also ₤ 4 are paid to the Exchange. We have actually ₤ 1 + ₤ 5 = ₤ 7 = ₤ 9. When the wager is finished, the Exchange will pay out ₤ 9 leaving us with ₤ 1 + ₤ 8 = ₤ 10.\nThe initial step to benefiting from a wagering chance is to examine the market in which you are operating. Ensure you know which bets you are most likely to make profitable in the longer term, and also which you need to stay clear of. Here are some beneficial ideas on how to do this.\nWhen laying a choice at the Exchange you are betting that the equine will not win. At the same time you are banking on the contrary possibility, that the steed will most definitely win. When laying an option you are betting the suggestion that the choice will not succeed. Like where the choice is revealing, you are betting that the steed will certainly not exist. When laying a selection at the Exchange you are betting the opposite way of the option.\nSevere bettors look at whether the races, steeds or competitions being backed are following predetermined regulations and also make their choices based upon these regulations, as opposed to money lines. There are some horses offered where it is possible to get a return of over 100%.\nThe concern of when to lay an equine and when not to lay a steed is a very important one. The important thing to keep in mind when taking into consideration laying a horse is that you may not have an opportunity to back the equine at the Bookmakers.\nDifferent markets have different values on different bookies. A steed auto racing market may be highly noted with the punters backing equines and the laying stake being highly marked with the gamblers laying horses. When laying a steed you are betting on the concept that it will not win, so the chances you are supplied when you back an equine are the ones you have to match to be enabled to lay it at a higher price. Laying an equine is the act of making a bet on it not winning. In a manner of talking, a shrewd punter is claimed to be constantly backing a doubtful prospect since one does not want to squander cash.\nA horse racing market might be strongly noted with the punters backing horses and the laying stake being strongly marked with the bettors laying horses. When laying a steed you are betting on the idea that it will not win, so the chances you are offered when you back a steed are the ones you have to match to be permitted to lay it at a higher cost. On the other hand, when laying an equine, it is the smart punter that lays a cost on a horse, in spite of the reality that he may not desire to bet on it. The question of when to lay a horse and when not to lay a horse is a really important one. The vital thing to remember when thinking about laying an equine is that you may not have a possibility to back the steed at the Bookmakers.\nThe exchange business take a percent out of the casino player’s wager in order to pay the people on the exchanges. These percentages are generally around 5% as well as the cash withdrawn from the gamblers account on the exchanges is proportionately lower.\nOn the other hand, when laying an equine, it is the wise punter that lays a rate on a steed, despite the reality that he may not want to bet on it. Lay an equine as well as you are bound to make a particular profit. The wagering exchange does not provide you with that choice. The smart punter makes his wagers and also stakes on those where he has obtained a good cost. The benefit of laying a steed is that you might possibly win it, unlike when you back an option.\nThere are equipments readily available on the exchanges which can be gotten used to allow you to modify your wager dimension whilst the horse is on the exchanges. Most customers prefer not to make use of these since of the disadvantage of resting on the exchanges with a small risk.", "label": "No"}
+{"text": "One thing that is currently missing in Airtable is the concept of a Current Row. This would be the current row of each table that is currently in the base. Current Row of a table could be used in filters to filter in only the children of a parent record (e.g. Order Header and Order Items). This would make the creation of applications much easier. There are many other use cases.", "label": "No"}
+{"text": "Asper Consulting is led by Founder, Principal and Director, Sebastien Moineau. Sebastien is an agricultural economist and an environmental and social specialist with 23 years’ experience in food and agriculture systems and private sector development. To date, he has supported projects worth over US$ 400 million and generated millions of dollars in value for partners and clients.\nIn the past two years, he has created 17 partnerships between companies and government-funded projects generating 6 million dollars additional income for 90,000+ farmers and over 12 million dollars in additional revenue for companies.\nHe has carried out 50+ projects design, implementation, monitoring, advisory and consulting assignments for key government agencies and development finance institutions including the DFID, USAID, IFC/World Bank, ADB, GIZ, the EU, the United Nations as well as international non-government organisations and private sector clients.\nSebastien holds a master’s degree in Agrarian Systems from the University of Paris 1 Pantheon-Sorbonne and a Diploma in Land Use Planning from the Engineering School of International Agro-development.\nOur core team has 75 years of experience in the agri-food sector and has supported projects worth over US$ 600 million in 25 countries.\nOur core team has an in-depth view of systems thinking, utilize market forces, and adopt nature-and market-based solutions to achieve systemic changes. Additionally, we identify data-lead strategies, business plans and interventions that can meet the immediate goals of building economies, businesses and organisations while creating the foundations for long-term sustainability and economic transformation.\nWe design and implement solutions and interventions around the principles of social and economic responsibility, market orientation, and sound environmental management. They create a tangible impact as reflected in the benefit they bring to the quality of people’s lives.", "label": "No"}
+{"text": "Yearly and also depending on performance\nonly when they legally had to give one .\nOnce a year\nNo so often\n17 per week\nHelp job seekers learn about the company by being objective and to the point.\nYour answer will be posted publicly. Please don't submit any personal information.", "label": "No"}
+{"text": "Metals and Mining\nCompany Overview of Republic Steel, Inc.\nRepublic Steel, Inc. manufactures, markets, and sells special bar quality (SBQ) steel products. It offers hot-rolled steel bars and coils, cold-finished steel bars, bottom-poured ingots, and rods and wires for use in axles, drive shafts, suspension rods, and other critical components. The company offers its SBQ solutions to makers of cars, trucks, off-highway vehicles, machinery, farm equipment, and other users of steel bar products. It has a strategic alliance with Industrias CH, S.A de C.V. The company was formerly known as Republic Engineered Products, Inc. and changed its name to Republic Steel, Inc. in September 2011. The company was founded in 1989 and is based in Canton, Ohio. It has ...\n2633 Eighth Street\nCanton, OH 44704-2311\nFounded in 1989\nKey Executives for Republic Steel, Inc.\nChief Executive Officer, President and Director\nChief Financial Officer and Controller\nVice President of Operations\nVice President of Commercial and Vice President of Sales and Marketing\nVice President of Human Resources and Corporate Relations\nCompensation as of Fiscal Year 2014.\nRepublic Steel, Inc. Key Developments\nRepublic Steel Lays Off More Than 100 Workers at 8th Street Plant\nOct 2 14\nRepublic Steel has laid off more than 100 workers from its Eighth Street NE plant. The workers can expect to be off at least until the end of the year. Layoffs had been anticipated. In August, Republic announced the Steelworkers it planned to idle one of the two casters used to make steel at the Canton plant.\nRepublic Steel, Inc. Enters into a Five Year Supply Agreement with United States Steel Corporation to Provide Tube Rounds\nApr 29 13\nRepublic Steel, Inc. has entered into a five year supply agreement with United States Steel Corporation, to provide Tube Rounds to the U.S. Steel Tubular Products Division. Republic is committed to supply an annual minimum of 225,000 tons, but could be as much as 450,000 tons, starting in January 2014. The steel will be produced in the new Electric Arc Furnace that is being installed at its Lorain, Ohio plant which will have an annual capacity of 1,200,000 tons per year, and will start operations in the second half of 2013.\nSimilar Private Companies By Industry\nRecent Private Companies Transactions\n|No transactions available in the past 12 months.|", "label": "No"}
+{"text": "The tor darknet links and the deep web vendors links available on the tor Agora Black Market URL / Agora Drugs Marketplace Tor, onion links. Cannahomemarket official link & URLs Cannahome Market Top products 1. Why Multisig Is Better Than Regular Escrow Silk Road Darknet Market Silkkitie. Cannazon link lsj cannazon market darknet qpi cypher market mhr tor archetyp market nde cartel darknet marketplace mzj Silkkitie link. Silkkitie. By T Carr 2022 Cited by 1 a given product review, and attempt to link vendors' sales to specific silkkitie market darknet Bitcoin transactions. Valhalla (Silkkitie) Market URL Valhalla Market Reddit Learn to Access and Buy Drugs from Valhalla Marketplace. And it his the one best market in the. Spurdomarket link The darknet markets enable large-scale trading in chiefly illegal goods, such as drugs, weapons, child pornography, and ransom.\nJust cuz a website is set up nicely doesn't mean it's legit. Anyone with a basic knowledge of html/css can make a scam shop. Also, don't be Darknet Market. Darknet Links Markets Silkkitie darknet market Never use links from untrusted sources as they could steal your Bitcoin. Incognito link darknet. Silkkitie Market is one of the longest running markets on the Dark Web and in fact, defunct by law enforcement and in some cases only URLs without any. Torrez market link pxo grams darknet market search engine ljq reddit darknet market qdw Silkkitie market url wmg black market prices for. Darknet market url archetyp darknet market \">samsara language dark web marketplace on Tor after the Finnish Customs shut down Silkkitie in spring 2022. The Silkkitie (known as the Valhalla versus project market url Marketplace) and its contents was. BTT to BTC - Bittorrentto Bitcoin Exchange.\nDarkfox market hydra darknet market Silkkitie market url. Structural Engineer. Finnish Police Bust Suspects: Darknet Site. Silk road system Darknet Marketplaces AlphaBay Market was operating dark markets ecuador on the. 10 hours ago link darknet market uin reddit darknet markets 2022 lwy. Market darknet Darkfox darknet market Silk Road Darknet Market Silkkitie Market Spurdomarket Market Return to daeva market darknet Check your URL. Darknet markets, this vendor fee is waived. onion Evet gncel deep web linkleri ve alan deep. For example, one URL of the Silk Road marketplace. Link darknet market uin reddit darknet markets 2022 lwy best market darknet zjg wall street market darknet cri Silkkitie market link ysi. Most dark web, Darknet Onion, Dark Market official link and. Finnish Customs Release Statistics Related to Dark Web Drug Seizures & Some Insight About Silkkitie.\nThe Silkkitie (known as the Valhalla versus project market url Marketplace) and its contents was. BTT to BTC - Bittorrentto Bitcoin Exchange. Wall Street Market Darknet Link Darknet markets reddit 2022 Silkkitie darknet market. Torrez market link pxo grams darknet market search engine ljq reddit darknet market qdw Silkkitie market url wmg black market prices for. Silkkitie. Valhalla Darknet Market URL: Silkkitie market darknet Referral:, Police have busted two enormous dark web drug markets - the. Crypto market darknet dem world market yyt cartel market url eed popular darknet markets gyp darknet links markets lhg Silkkitie market link. Valhalla (Silkkitie) Market URL Valhalla Market Reddit Learn to Access and Buy Drugs from Valhalla Marketplace. And it his the one best market in the.\nWall street market darknet url reddit darknet markets 2022. Unverified Zion market darknet zssju Unverified Silkkitie market url qifjn. Reddit darknet market noobs qvd best darknet market for weed jro wall street market darknet review vbv alphabay market link lpd. Aug 17, 2022 - Valhalla (Silkkitie) Market URL Reddit Access Valhalla Marketplace - Reddit Marketing ideas #RedditMarketing. Most dark web, Darknet Onion, Dark Market official link and. Finnish Customs Release Statistics Related to Dark Web Drug Seizures & Some Insight About Silkkitie. Vice city darknet market liberty market darknet markets reddit 2022 cartel marketplace grams. HTML provides an online URL Decoding tool that. Valhalla (Silkkitie) invite url: 4. Zion Market 5. Outlaw Market invite. VENDOR NAMES ON DARKNET DRUG MARKETS made not in the public.\nBlack Market Drugs\nThe fact that droppers and customers are wandering around Moscow or St. Whether we regard them as conscious or unwitting, revere them as a new form of life or dismiss them as mere clever appliances, is beside the point. The vamps are mad, everyone's acting weird, I've got to clear my name, and nobody seems silkkitie market url to believe I don't know what to do. Darknet business sectors like the Silk Road were instrumental in the advancement of cryptocurrencies since cryptographic money exchanges on darknet business sectors secure both the seller and buyer. The Monetary Authority of Singapore (MAS) is the central bank and main financial regulatory authority of Singapore. But mobile’s dominance isn’t just about user numbers; it’s also about time spent, and how that compares to other devices. How SOC, Fraud and AML, physical security, brand damage, and insider threat teams can turn data into meaningful insights and measurable actions. In March 2020, the FBI arrested the Creator of the darknet marketplace Deer, Russian Kirill Firsov. Edinburgh, was formed by the same overseas partners as a company allegedly linked to former Ukrainian president Petro Poroshenko. Chainalysis dark markets czech republic argued that dark markets might be following the same power consolidation we see in any rapidly developing, high-velocity business, such as technology. I scraped thousands of actual cocaine listings and performed regression analysis.", "label": "No"}
+{"text": "The Pets At Home Sale is on and there are some great bargains to be had. If you have a pet then it's worth having a look. There are savings of up to 50% off. Plus, spend £30 or more and save yourself £3 but entering promo code CRRUC2J at the checkout.\nThe upkeep of dogs, cats and other pets is not cheap, but you can save yourself money on some bits and bobs in this Pets At Home Sale.\nCheck out these doggy bargains: Union Jack Dog Bed* was £36 now £18, Cow Print Dog Bed* was £28 now £14, Black Stainless Steel Dog Bowl* was £5 to £7 now £4 to £5.25 and Oink Oink Pig Toy* was £4 now £2.\nDelivery is £4.95 unless you spend £29.99 and above then it's FREE. You can Click and Collect your order from a Pets At Home store near you for FREE.", "label": "No"}
+{"text": "Never Use A Basic Cleaning Cloth Again!\nDesigned For Washing The Dishes\nCan Be Used To Clean Your Pets\nUse It For Anything That Needs A Clean\nPayment & Security\nYour payment information is processed securely. We do not store credit card details nor have access to your credit card information.", "label": "No"}
+{"text": "Teigen: I’ll pay it for you, McKayla.\n“…I know now it is not my fault.”\n“Why are we looking at why didn’t the girls speak up? Why not look at what about the culture?”\n“In the annals of misleading and ridiculous tweets, this takes the cake.”\n“2017 was a year of unrelenting bias, unfair news coverage, and even downright fake news.”", "label": "No"}
+{"text": "§ 40-8-27. Cooperation by providers.\nMedicaid providers who employ individuals applying for benefits under any chapter of title 40 shall comply in a timely manner with requests made by the department for any documents describing employer sponsored health insurance coverage or benefits the provider offers that are necessary to determine eligibility for the state's premium assistance program pursuant to § 40-8.4-12. Such documents requested by the department may include, but are not limited to, certificates of coverage or a summary of benefits and employee obligations. Upon receiving notification that the department has determined that the employee is eligible for premium assistance under § 40-8.4-12, the provider shall accept the enrollment of the employee and his or her family in the employer based health insurance plan without regard to any seasonal enrollment restrictions, including open enrollment restrictions, and/or the impact on the employee's wages. Additionally, the Medicaid provider employing such persons shall not offer \"pay in lieu of benefits.\" Providers who do not comply with the provisions set forth in this section shall be subject to suspension as a participating Medicaid provider.\n(P.L. 2008, ch. 100, art. 17, § 7.)", "label": "No"}
+{"text": "Online Gaming in North Carolina\nIn December 2013, the North Carolina Lottery began selling a lottery subscription service online. The subscription service allows players physically located in North Carolina to buy tickets in advance for Powerball, Mega Millions and Carolina Cash 5 games.\nNorth Carolina Monthly Online Gaming Revenue\nNorth Carolina Monthly Sports Betting Revenue\nNorth Carolina Online Gaming Legal and Regulatory Documents", "label": "No"}
+{"text": "General Terms and Conditions and Customer Information\nI. General Terms and Conditions\n§ 1 Basic Provisions\n(1) The following terms and conditions apply to contracts concluded between you and us as a provider (Dipl. Inf. (FH) Matthias Lorenz) via the website uni64.com. Unless otherwise agreed, we object to the inclusion of any terms and conditions of your own that you may use.\n(2) A consumer within the meaning of the following provisions is any natural person who enters into a legal transaction for purposes that are predominantly neither commercial nor self-employed. An entrepreneur is any natural or legal person or a partnership with legal capacity who, when concluding a legal transaction, acts in the exercise of his independent professional or commercial activity.\n§ 2 Formation of the contract\n(1) The subject of the contract is the sale of goods including digital content (data created and provided in digital form).\n(2) Already with the placement of the respective product on our website, we submit a binding offer to conclude a contract via the online shopping cart system under the conditions specified in the item description.\n(3) The contract is concluded via the online shopping cart system as follows:\nThe goods intended for purchase are placed in the \"shopping cart\". You can call up the \"shopping cart\" via the corresponding button in the navigation bar and make changes there at any time.\nAfter clicking the button \"Checkout\" or \"Continue to order\" (or similar designation) and entering the personal data and the payment and shipping terms, the order data is finally displayed as an order overview.\nIf you use an instant payment system (e.g. PayPal (Express/Plus/Checkout), Amazon Pay, Sofort, giropay) as a payment method, you will either be redirected to the order overview page in our online store or to the website of the provider of the instant payment system.\nIf you are redirected to the respective instant payment system, make the appropriate selection or enter your data there. Finally, on the website of the provider of the instant payment system or after you have been redirected back to our online store, the order data will be displayed as an order overview.\nBefore sending the order, you have the option to check the information in the order overview again, change it (also via the \"back\" function of the Internet browser) or cancel the order.\nBy sending the order via the corresponding button (\"order with obligation to pay\", \"buy\" / \"buy now\", \"order with obligation to pay\", \"pay\" / \"pay now\" or similar designation), you declare the legally binding acceptance of the offer, whereby the contract is concluded.\n(4) Your requests for the preparation of an offer are non-binding for you. We will make you a binding offer in text form (e.g. by e-mail), which you can accept within 5 days (unless another period is specified in the respective offer).\n(5) The processing of the order and transmission of all information required in connection with the conclusion of the contract shall be carried out by e-mail, in part automatically. You must therefore ensure that the e-mail address you have provided to us is correct, that the receipt of e-mails is technically guaranteed and, in particular, that it is not prevented by SPAM filters.\n§ 3 License for use of digital content\n(1) The digital content offered is protected by copyright. For each digital content purchased from us, you will receive a usage license from the respective licensor. The type and scope of the license for use shall be determined by the license terms stated in the respective offer.\n(2) Unless otherwise stated in the respective offer, you will receive a simple license to use the content. This includes a non-exclusive right of use for an unlimited period of time, in particular permission to save and/or print out a copy of the digital content for your personal use on your computer or other electronic device.\nYou are not entitled to rent out the digital content that is the subject of the contract or parts thereof or, with the exception of the provisions set out in paragraph 3, to sublicense it either for a fee or free of charge, to reproduce it publicly or make it accessible in any other way or otherwise make it available to third parties.\n(3) If the Digital Content is software, you may permanently transfer the acquired copy of the Digital Content to a third party subject to the following conditions.\na.) to give up the use completely and to delete all copies on data carriers, to remove them or to hand them over to the Licensor, unless there is a legal obligation to keep them for a longer period of time.\nb.) additionally hand over the license certificate and the documentation of the previous license grant.\nc.) upon request, to confirm in text form that the aforementioned measures have been carried out and, if applicable, to explain the reasons for longer retention.\nd.) otherwise, to expressly agree with the third party receiving the digital content from you to observe the scope of the granting of rights in accordance with this license of use.\n(4) If necessary to secure future use of the Software, you may make a backup copy. You undertake to affix the clearly visible note \"Backup copy\" and a reference to the Licensor to this backup copy. If a multiple license is the subject matter, the right to make a backup copy shall not apply. Pursuant to § 69e UrhG (German Copyright Act), you are entitled to decompile and copy the software if this is necessary to maintain the interoperability of the contractual software with other programs and the information required for this purpose has not been made available by us within a reasonable period of time upon your request.\n§ 4 Special agreements on payment methods offered\n(1) Payment via \"PayPal\" / \"PayPal Checkout\nIf you select a payment method offered via \"PayPal\" / \"PayPal Checkout\", the payment will be processed via the payment service provider PayPal (Europe) S.à.r.l. et Cie, S.C.A. (22-24 Boulevard Royal L-2449, Luxembourg; \"PayPal\"). The individual payment methods via \"PayPal\" are displayed to you under a correspondingly designated button on our Internet presence as well as in the online ordering process. For payment processing, \"PayPal\" may use other payment services; if special payment conditions apply, you will be informed of these separately. More information about \"PayPal\" can be found at https://www.paypal.com/de/webapps/mpp/ua/legalhub-full.\n§ 5 Right of Retention, Retention of Title\n(1) You may only exercise a right of retention insofar as it concerns claims from the same contractual relationship.\n(2) The goods remain our property until full payment of the purchase price.\n§ 6 Warranty\n(1) The statutory rights of liability for defects shall apply.\n(2) As a consumer, you are requested to check the goods immediately upon delivery for completeness, obvious defects and transport damage and to notify us and the carrier of any complaints as soon as possible. If you fail to do so, this shall have no effect on your statutory warranty claims.\n(3) If a characteristic of the goods deviates from the objective requirements, the deviation shall only be deemed to be agreed if you were informed of the same by us before submitting the contractual declaration and the deviation was expressly and separately agreed between the contracting parties.\n§ 7 Choice of Law\n(1) German law shall apply. In the case of consumers, this choice of law shall only apply to the extent that the protection granted by mandatory provisions of the law of the state of the consumer's habitual residence is not thereby withdrawn (favorability principle).\n(2) The provisions of the UN Convention on Contracts for the International Sale of Goods shall expressly not apply.\nII. customer information\n1. identity of the seller\nDipl. Inf. (FH) Matthias Lorenz\nc/o Postflex #3434\nEmsdettener Str. 10\nAlternative Dispute Resolution:\nThe European Commission provides a platform for out-of-court online dispute resolution (OS platform), available at https://ec.europa.eu/odr.\nWe are not willing and not obliged to participate in dispute resolution proceedings before consumer arbitration boards.\n2. information on the conclusion of the contract\nThe technical steps for the conclusion of the contract, the conclusion of the contract itself and the possibilities of correction are carried out in accordance with the regulations \"Conclusion of the Contract\" of our General Terms and Conditions (Part I.).\n3. contract language, contract text storage\n3.1 The contract language is German.\n3.2 The complete contract text will not be stored by us. Before sending the order via the online shopping cart system, the contract data can be printed out or electronically saved using the print function of the browser. After receipt of the order by us, the order data, the legally required information for distance contracts and the General Terms and Conditions will be sent to you again by e-mail.\n3.3 In the case of quotation requests outside the online shopping cart system, you will receive all contract data as part of a binding offer in text form, e.g. by e-mail, which you can print out or save electronically.\n4. essential characteristics of the goods or services\nThe essential features of the goods and/or services can be found in the respective offer.\n5. prices and payment modalities\n5.1 The prices listed in the respective offers as well as the shipping costs represent total prices. They include all price components including all applicable taxes.\n5.2 The shipping costs are not included in the purchase price. They can be called up via a correspondingly designated button on our website or in the respective offer, are shown separately in the course of the ordering process and are to be borne by you in addition, unless free delivery has been promised.\n5.3 If the delivery is made to countries outside the European Union, additional costs may arise for which we are not responsible, such as customs duties, taxes or money transfer fees (transfer or exchange rate fees of credit institutions), which are to be borne by you.\n5.4 Any costs incurred for the transfer of funds (transfer or exchange rate fees of the credit institutions) shall be borne by you in cases where the delivery is made to an EU member state but the payment was initiated outside the European Union.\n5.5 The payment methods available to you are shown under a correspondingly designated button on our website or in the respective offer.\n5.6 Unless otherwise stated in the individual payment methods, the payment claims arising from the concluded contract are due for payment immediately.\n6. delivery conditions, provision\n6.1 The terms and conditions of delivery, the delivery date and any existing delivery restrictions as well as the terms and conditions for the provision of digital content can be found under a correspondingly designated button on our website or in the respective offer.\n6.2 If you are a consumer, the law stipulates that the risk of accidental loss and accidental deterioration of the sold item during shipment shall not pass to you until the goods are handed over to you, regardless of whether the shipment is insured or uninsured. This does not apply if you have independently commissioned a transport company not named by the entrepreneur or any other person designated to carry out the shipment.\n7. legal liability for defects\nThe liability for defects is governed by the provision \"Warranty\" in our General Terms and Conditions (Part I).\nThese General Terms and Conditions and customer information have been prepared by the lawyers of the Händlerbund specializing in IT law and are permanently checked for legal conformity. Händlerbund Management AG guarantees the legal security of the texts and is liable in the event of warnings. For more information, please visit: https://www.haendlerbund.de/de/leistungen/rechtssicherheit/agb-service.\nlast update: 29.11.2022", "label": "No"}
+{"text": "BSNL has relaunched a 5GB broadband plan for its landline customers. Notably, this is a free broadband trial offer. The same plan was first launched earlier this year in March, which expired on March 31. Now, the company has reintroduced the same BSNL plan, which will end on July 31, 2019. This means that the free 5GB data benefit will be live for a month only. Also Read - BSNL Rs 96 prepaid plan offering unlimited calling and more: All you need to knowAlso Read - BSNL offers free Amazon Prime subscription with broadband plans under Rs 499\nThis promotional offer is for those existing BSNL landline users who do not have a broadband connection. So subscribers can check BSNL’s broadband for free. “Neither these customers will be required to make any upfront deposit, nor they will have to pay any monthly rental,” TelecomTalk reports. With this BSNL broadband plan, customers will get 10Mbps speed till 5GB data on a daily basis. Do note that once the limit gets exhausted, the speed of the connection will drop to 1Mbps. Also Read - BSNL revises Rs 186 and Rs 187 prepaid plans to offer double data benefit\nInterestingly, this free broadband trial plan is currently available in all circles except Andaman and Nicobar. It is also worth noting that users will not get any separate calling facility. The BSNL customers will get calling benefits as per their existing landline plan. “BSNL has also noted that the security deposit and the installation charges will be waived off during this period,” the report stated.\nFurthermore, to attract more customers, the state-owned telecom company is also offering a free Amazon Prime subscription. This is valid even with plans priced below Rs 499. The Amazon Prime subscription was previously offered with plans priced over Rs 745. Notably, the annual Prime membership will cost you Rs 999. But, BSNL is offering free Amazon Prime subscription with some changes, and it has also changed the cashback scheme on its annual plans. Both existing and new BSNL broadband users can now get Amazon Prime subscription for free with broadband plans priced less than Rs 499.\nBesides, just yesterday, introduced Rs 96 BSNL prepaid recharge plan. It comes with a validity period of 180 days. During this period, BSNL customers will get unlimited local and STD call benefits to any network including roaming except to Mumbai and Delhi circles. In addition, one will also get 100 SMS on a daily basis.", "label": "No"}
+{"text": "KBA reports print boom in emerging markets\nTuesday, April 05, 2011\nPress release from the issuing company\nThe 38th edition of KBA Report, the corporate magazine published by the world's second-largest press manufacturer, features the familiar mix of user reports, technical updates on production options with today's high-tech sheetfed and web offset presses, and print-related news from around the world. It also highlights the rapid growth of print in emerging markets in the Middle East, Far East and Latin America.\nIn the wake of the financial crisis the global economic balance has shifted further east: last year China became the biggest market for litho presses, and countries such as India, Brazil and Turkey posted above-average growth rates both in the print media industry and elsewhere. KBA's record export level of 88.5% in 2010 reflects this shift, with deliveries to the rest of Europe being surpassed for the first time by shipments to Asia and the Pacific. The user reports illustrate that an increasing number of printers in high-growth regions are standardising and upscaling their operations, investing in similar technology to those in Industrialised countries. In a globalised economy they are often printing for the same customers.\nAcross the entire industry, and irrespective of location, the key demand voiced by printers is the ability to print cost-effectively and sustainably – and in a provably better quality. This is all the more vital in countries where circulations are steadily declining. KBA Report contains technical facts and figures explaining how these demands can be met. Other features focus on the collaborative alliance KBA has entered with the world's biggest print group, RR Donnelley, preparatory to moving into digital print with products KBA is developing for launch at Drupa 2012, and the proposed expansion of KBA's product range to include optimised consumables under the brand name KBA PressConsum.\nThe English edition of KBA Report includes an eight-page insert by Dieter Kleeberg comparing closed-loop colour control systems by other vendors with the QualiTronic system that KBA launched at Ipex 2010, in tandem with System Brunner's Instrument Flight.\nTo post a comment Log In or Become a Member, doing so is simple and free", "label": "No"}
+{"text": "TWO Gold Coast companies are set to benefit from the federal government’s $5 billion contract to build a new fleet of super tanks in Queensland, it has been revealed.\nRheinmetall Defence Australia will build 211 Boxer CRV tanks at a new facility at Ipswich, west of Brisbane.\nThe new superior military vehicles will be equipped with high levels of protection, firepower and mobility, enabling sustained operations, varying from peacekeeping to close combat.\nARTICLE CONTINUES AFTER THIS ADVERTISEMENT\nMember for McPherson Karen Andrews said two Gold Coast companies would benefit from the project, after Queensland companies won a major share of the Land 400 Phase 2 investment.\nWhile the key facility will be located in Redbank, Mrs Andrews said Allplates from Molendinar and the GCI Group at Yatala would also contribute to the crucial national project.\nOther Queensland companies such as NIOA, Penske, G&O Kert, Ferra Engineering, Global Manufacturing Group and Elbit will all receive a boost.\n“Over $1.8 billion will be spent in Queensland on the project creating 330 new jobs for the state,” Mrs Andrews said. “It means more local investment and more local jobs.\n“This project is an exciting opportunity for the Australian defence industry to play a vital role in delivering leading edge technology to Australia’s Army.”\nMaking the announcement at the Enoggera Army Barracks on Wednesday morning, Prime Minister Malcolm Turnbull said the contract was the largest single acquisition ever made for the Australian Army.\nMr Turnbull said the contract formed part of the government’s plan to make Australia one of the world’s top 10 defence exporters.\n“We have had a big defence budget for a long time, but we have not spent enough of it in Australia,” he said.\n“We have not spent enough of it with Australian workers, with Australian steel, with Australian technology, building up the means to enable us to build our own capabilities and, indeed, export them to the world.”\nQueensland’s State Development Minister Cameron Dick said the state government had worked hard to bring Rheinmetall to Queensland and secure the contract, which he said would create 600 jobs in the state.\n“It is a new beginning for manufacturing in Queensland,” Mr Dick told ABC radio.\n“We’ve been working with Rheinmetall for three years to secure this contract.”\nOver the 30-year life of the vehicles, Australian industry will deliver two–thirds, or $10.2 billion of the acquisition and sustainment, which will create up to 1450 jobs right across Australia.\nThe new vehicles will be used at facilities in Puckapunyal, Bandiana, Adelaide, Townsville and Enoggera.\nThe Turnbull Government is also spending around $68 million to upgrade facilities in Queensland to cater for the new vehicles.\nFor more information on the project, click here.", "label": "No"}
+{"text": "Our gift to you this holiday season is 45% off select items, FREE shipping, and a FREE limited edition Gottman holiday mug while supplies last (US customers only) when you spend $150 or more. Don’t delay, the sale ends December 7.\n*Up to 45% discount valid on the purchase of select items listed below at gottman.com from December 4, 2018, 12:00am PST through December 7, 2018, 11:59pm PST. Offer cannot be applied to previous purchases and cannot be redeemed for cash or combined with any other offer. Free shipping and Gottman holiday mug offer valid in the U.S. only, as long as supplies last. Terms of offer are subject to change.\nGifts for Professionals\nGifts for Couples\nGifts for Parents\nBrowse the rest of the Gottman Store below.", "label": "No"}
+{"text": "Moorgate Silk Printed Shirt£95.00\n* please note, this item is on sale and so non-refundable. A credit note will be issued for items returned within 14 days of receipt.\nClassic shirt in soft silk crepe de chine. This season I have added a new ‘Playing cards’ print, found from an Edwardian archive yet has a strong graphic modernity. Fly front with concealed buttons. Mother-of-pearl buttons sourced from vintage stock and hand stitched in red thread. Relaxed fit.\nDry Clean only\nAvailable in Black Playing Cards print and Ivory Signature Scissors", "label": "No"}
+{"text": "– Sussex law firm Rawlison Butler has hired a new partner for its commerce and technology team. Chris Holme joins the Gatwick office from Kent firm Brachers. Rawlisons has also promoted Abigail Owen and Chris Dodd to associates in the corporate team.\n– Shipping firm Curtis Davis Garrard has appointed Ronly Holdings in-house lawyer Clare Calnan as a partner with effect from 1 May. Calnan specialises in dispute resolution in shipping, insurance, shipbuilding and the offshore construction sectors. Calnan was managing partner at Ince & Co between 1997 and 2000.\n– Newcastle upon Tyne-based Ward Hadaway has promoted eight associates to the partnership and six solicitors to associates. Of the new partners, two are litigators while the rest straddle business services, corporate finance, employment, IT/IP, pensions and private client. Ward Hadaway now has 53 partners and 29 associates.\n– Payne Hicks Beach has appointed partner Alice Palmer as head of the private client department. Palmer became partner at Payne Hicks Beach in 1993. Her practice encompasses old and new money, onshore and offshore clients and contentious trust and probate work.", "label": "No"}
+{"text": "It doesn’t matter if you consider darts a sport or a leisure activity. It is quite popular and more and more people find it easier to bet on. One might be inclined to think that darts is a niche market that many bookies don’t take bets on but that would be a mistake. This game is a staple at all of the world’s leading sportsbooks and there are so many darts events throughout the year that punters can place pre-game and live bets almost any time. The best darts betting sites usually have a promotion or two that is geared towards darts bettors. Many of these bookies provide live streaming coverage, betting tips, and other helpful information. These same bookies give punters an excellent selection of payment methods to choose from and they take pride in offering fast payouts.\nSports bettors place their wagers either legally, through a bookmaker/sportsbook, or illegally through privately run enterprises. The term \"book\" is a reference to the books used by wagebrokers to track wagers, payouts, and debts. Many legal sportsbooks are found online, operated over the Internet from jurisdictions separate from the clients they serve, usually to get around various gambling laws (such as the Unlawful Internet Gambling Enforcement Act of 2006 in the United States) in select markets, such as Las Vegas, Nevada, or on gambling cruises through self-serve kiosks. They take bets \"up-front\", meaning the bettor must pay the sportsbook before placing the bet. Illegal bookies, due to the nature of their business, can operate anywhere but only require money from losing bettors and don't require the wagered money up front, creating the possibility of debt to the bookie from the bettor. This creates a number of other criminal elements, thus furthering their illegality.\nOn our Picks page, you’ll notice dollar signs, ATS, To Win and Total O/U. These are all betting terms that you should familiarize yourself with in order to make strategic picks. Under the Last 100 heading, you’ll see the records for the last 100 games played in the Premier League. The table also features the amount of money won (or lost) based on the opening and closing lines, ATS and Total O/U. It may seem like gibberish but don’t worry, we’ll explain each term below.", "label": "No"}
+{"text": "WASHINGTON, D.C. (WCIA) — Congresswoman Nikki Budzinski announced this weekend that the U of I will receive more than $370,000 in federal grant funding from the U.S. Department of Health and Human Services.\nThe funding is through the Department’s National Institute of General Medical Sciences.\n“As a student at the U of I, I saw their research capabilities firsthand,” said Congresswoman Budzinski. “Today, I’m so pleased to announce more than $370,000 in federal funding that will be used to study possible treatments for cancer and infectious disease. I look forward to advocating for additional investments in our local universities and seeing the results of their work.”\nCongresswoman Budzinski’s office said the federal funding will be used for research on the synthesis of biologically active terpenoids, small bioactive molecules. These molecules are the primary source of compounds for the effective treatment of cancer and infectious diseases.\nThe molecules could also be further utilized through medicinal chemistry to create new chemotherapeutics.\n“I look forward to advocating for additional investments in our local universities and seeing the results of their work,” Congresswoman Budzinski said.", "label": "No"}
+{"text": "At Independent Window Systems we offer a full range of Police approved composite doors. We can offer a wide variety of attractive and modern door designs, with the option to see the design of your choice at the time of ordering.\nNot only do these doors enhance the look of your home but they will also offer that added security in protecting your home.\nThis range of Police approved doors are also recognized by many insurance companies and could lead to you having a discount on your future home insurance policy.\nAll installations will come with a secured by design certificate as well as our own certifications.", "label": "No"}
+{"text": "Transporting your Vehicle to or from Broken Arrow, OK\nAre you looking to ship a car from or around Broken Arrow? uShip can save you time and money while connecting you with the best Broken Arrow car transport companies. These companies, which are all feedback-rated, compete for your business, giving you the best price and quality of service.\nWe believe getting car transport quotes in Broken Arrow should be free and painless. List your vehicle, receive quotes from top-rated carriers and ship all within a few minutes. Client provided feedback helps you choose a vehicle transporter that will be right for you.", "label": "No"}
+{"text": "The iPhone 13 Pro has been officially announced by Apple. The event, which took place on September 14, 2021, was dubbed “California Streaming” and introduced the 15th generation of the iPhone lineup. As we’ve seen with previous generations of the iPhone, the 15th generation also includes a total of four models: iPhone 13 Pro, iPhone 13 Pro Max, iPhone 13, and iPhone 13 mini.\nThe iPhone 12 is an amazing phone, but it isn't cheap when you buy from Apple. Fortunately, you can save several hundred dollars by buying gently used on Swappa. Keep reading to learn how much the iPhone 12 costs, which iPhone 12 model you should buy, and whether the iPhone 12 is worth it in 2021 and beyond.\nIf you are planning on buying a new Galaxy Note, you may have second thoughts once you see its MSRP. The Galaxy Note 9 launched in August 2018 with a starting retail price of $999.99. There really isn’t any other way to say this, but that is expensive, which is why Swappa recommends buying a gently used previous-generation model.", "label": "No"}
+{"text": "Many online casinos will provide you with the opportunity to play for free, but you might be wondering if it’s real money or just a promotional offer. A lot of individuals have questions about whether online casinos actuall immortal romance sloty give out money back once you play their games. While not all casinos will provide you the opportunity to play for free, others will. Understanding how it works can help you determine if you would like to take advantage of the kind of offer.\nGenerally speaking most online casinos will allow you to play for free. However, there are a couple of casinos that don’t. For example, in some casinos you’ll be asked to register in order to playwith. When you enroll, you will usually get a notice that informs you which you’re presently a member of the internet casino. This means you will need to cover your membership fees so as to be able to play their website.\nOne of the most well-known areas for online casinos to offer players free games is their slot machines. Even though they do not offer any type of cashback, many players find this appealing because they do not need to pay any upfront price. They will find the opportunity to win a great deal of cash while playing one of the slots games, and this can be quite exciting.\nAnother way that online casinos give players the chance to win real cash is via poker. When you have a look at the various poker rooms that can be found on the internet, you will find that they don’t all offer you the very same things. A number of them will offer you special bonuses, while some won’t. You may opt to play either blackjack or roulette, which are considered to be one of the very best internet casino real money games. You need to consider these options carefully when looking for the best internet casino real cash games.\nOnline slots is also a wonderful spot to find the best online casino real money games. You’ll find that each online casino can provide you with a unique selection of slot machines. You ought to look for slot machines offering you a guaranteed payout, although you will likely have to play with a couple of numbers to determine whether or not this is the case. You should also search for online casino tables that offer multiple game variations. This way, if you become bored with all the slots you initially chosen, you are able to switch to a different table without needing to spend any money. Finding these types of tables is often difficult, because nearly all online casinos don’t offer you any options when it comes to table games.\nVIP slots are getting to be increasingly popular with online casinos. While they usually offer less premiums than other kinds of machines, they do provide you the chance to buy whatever you want, for as long as you can deposit an amount into your account. You should take a peek at the various VIP options available with different online casinos to choose which one offers you the very best options.\nSome online casinos offer you the opportunity to play with free games, no deposit bonuses, and sign up for VIP applications. A VIP program dead or alive online generally contains lots of free games or comp points you can use towards earning a far larger deposit into your account. All these VIP programs usually require you to create an account, provide fundamental information, and select the type of free VIP game you’d like to play. Once you’ve made your account, you may then start playing comp points or money. Many of the no deposit VIP games allow you to switch between both of these different game types for free, letting you maximize your earnings potential.\nThere are a number of different ways to make money while you play at an online casino. You can use your winnings that will assist you pay off your casino invoices. Some casinos will give you free upgrades that will provide you access to better gaming technologies and increased jackpot pays. Some VIP programs also give you the opportunity to convert your winnings into money, either in the kind of actual money, gift cards, or even additional entries into competitions. Canadian players may take advantage of these no deposit casinos by using their credit card to make deposits into their account or loading money from their bank account for their credit card.", "label": "No"}
+{"text": "Salon Professional Maxiglide Steam Styler Glider Hair Straightener Dual Voltage Ceramic Flat Iron Tourmaline for International Travel Loreal Steampod Vapor Heat up Fast\nLock the water in hair, make it more smoothly and reduce harm to hair.\nHeat up steadily and less damage to hair.\n360° salon rotating cord, lockable plates for traveling.\nWorldwide dual voltage 110~240V compatibility.\nRanging from 300°F to 450°F.\nLoading offers ...\n* The prices and shipping costs may have changed since the last update. It is technically not possible to update the prices in real time. The time of purchase on the Website of the seller is used as the reference.\nLatest products for Price Comparison", "label": "No"}
+{"text": "Online slots are a favorite entertainment for millions of players. This fun and exciting type of gambling is a great way for you to have fun or make additional money. There are a myriad of games to choose from and even free games. Online slots are well-known for their bonus rounds as well as special features. The games can also be thrilling. The best thing about playing these games is that they can be played at anytime.\nSlots with real money are among the most played casino games, and are built on the same machines that you can find in land-based casinos. You can play classic slots, five reel video slots, 3-reel classic slots, 3D animated slots, and licensed slot machines. You can also earn bigger jackpots by playing progressive jackpot games. OUSC assists you in finding the best real money online casinos, and offers attractive welcome bonuses.\nOnline slots come with many benefits. One of the biggest advantages is that you can take part in tournaments with players from all over the world. This lets you learn from other players around the world and gain new strategies and techniques. You can also play online if are tired of the same old slot machines in traditional casinos. It can help you to achieve your social goals. Whatever the size of your budget, you can be sure that you’ll find a game that you like the best.\nOnline slots can be risky. Losing money is one of the greatest dangers. There are many ways to stay clear of these risks. Slot machines online are safe as long as you only play on reputable websites. You’ll have a great time and earn a lot of money. It’s not worth the risk if you aren’t comfortable spending money. Online slot games are an effective and safe method to earn money.\nIf you decide to play online slots There are many advantages. Besides, it’s free! Using a mobile phone and laptop to play with will help you to keep your spending under control. While playing, you should be aware of the terms and conditions. You should be aware of any restrictions or fees. Once you’ve found the casino you want to play at, eiri.forum.mythem.es you are able to begin playing. For reviews, you must also visit other websites. You can read casino reviews and make an informed choice from the numerous options.\nYou can play for no cost if you don’t wish to spend any money. Free play is great because it doesn’t matter whether you win or lose. All you have to do is find the best online casino. It’s easy. You don’t require much experience to play slots online. To find the one that is right for you, you can choose to play several different games. You don’t have to pay money to play the free games to learn the way they work.\nAnother advantage to playing online slots is the fact that you don’t have to pay any fees for any service. You can have fun and gaming make money if you are able to play the slot machines. Aside from the many benefits of playing for free but there are also disadvantages. There are many ways that you can be taken advantage of and lose money. So, you should establish the amount you can afford to play with and stick to it. The top casino will give you the highest amount of money and provide the best bonus.\nThere are many other advantages of playing online slots. They have high Return to Player (RTP) rates and are playable for bets free. These games offer a high RTP and are simple to play, especially with bonus offers. It is important to find an online casino that has good service and welcome bonuses if you’re looking for a place where to play your favorite games. To ensure that you’re choosing the best casino, make sure to read reviews.\nOnline slots are completely free to play, and are in addition to the many games available. In addition to free slots These games are available in online casinos. A few of them are available on mobile devices. You could start with free games if you’re new to the game. You’ll have better odds and more games. Additionally features, you’ll have the ability to play these games on mobile.", "label": "No"}
+{"text": "Returns & Exchanges\nPennington & Bailes will gladly accept exchanges or returns on items purchased directly from www.penningtonandbailes.com within 30 days of purchase and receipt provided the item is unused, unaltered, and if the item is not part of a closeout sale. If you purchased your item at one our retail partner stores please refer to their return policy for guidance. You can reach our customer service by emailing email@example.com. We are a small family business with two people who do pretty much everything. We ask for your patience in our response as we will get back to you within 48 hours of email receipt.\nExchanges and returns are processed as quickly as possible. Please be patient as during peak months our sales volume exponentially increases causing a backlog in order fulfillment, exchange and return processing.\nMore specific information on Pennington & Bailes return policies are outlined below.\nWe will accept any unused Pennington & Bailes product purchased directly from www.penningtonandbailes.com for an exchange within 30 days of purchase and receipt provided the item is unused and unaltered. The exchange process is as follows:\n- When making an exchange of goods, please be sure to check on the availability of the desired product by emailing firstname.lastname@example.org. Although it is our goal to have every product in stock at all times, occasionally backorders do occur.\n- If we have the item in stock, ask for a return authorization form. This form will include any exchange information that our warehouse will need to return ship exchanged product. We will email you the form to include when you mail your product back to Pennington & Bailes. At that time, you will also be asked for a credit card number to cover the cost of shipping and or any difference in the value of the exchange.\n- Prepare your package for return shipping. Be sure to include a copy of the return authorization form and the original invoice or packing sheet. Obtain a tracking number for the shipment and e-mail to email@example.com.\n- Once your exchange is received in our warehouse, your exchange will be processed and the new item shipped.\nPennington & Bailes will accept the return of any unused and unaltered product provided that the product was purchased directly from Pennington & Bailes at www.penningtonandbailes.com. The return process is as follows:\n- Email firstname.lastname@example.org for a return authorization form or download the form above. To be considered for a full refund, minus shipping charges, there must be an original Pennington & Bailes invoice number.\n- Prepare your package for return shipping. Be sure to include a copy of the return authorization form and the original invoice or packing sheet. Obtain a tracking number for the shipment and e-mail to email@example.com\n- Once your exchange is received in our warehouse, your refund will be processed.", "label": "No"}
+{"text": "TOTAL & ADNOC: 40%\nPLATTS - Abu Dhabi's state-owned oil company, ADNOC, said Sunday it signed a deal with Total, granting the French major a 40% stake in the Ruwais Diyab unconventional gas concession.\nThe agreement follows an announcement from ADNOC earlier this month outlining the company's plans to become a net gas exporter, with 15 Tcf of new gas finds.\nThe company is targeting an unconventional gas production rate of 1 Bcf/d by the end of 2030, both to supply the domestic market and also to support ADNOC's growth strategy in the LNG market.\nADNOC said it will retain the remaining 60% of the Ruwais Diyab concession. Included in the deal is an initial exploration and appraisal phase lasting six to seven years, following by a 40-year production term.\n\"The Diyab play has the potential to be a high impact play ranking alongside the most prolific North American shale gas plays and is an excellent addition to our exploration portfolio,\" Total CEO Patrick Pouyanne said in a statement.\nTotal already operates in the UAE. In March, it was awarded by ADNOC a 20% stake in the offshore Umm Shaif and Nasr concession and a 5% interest in the Lower Zakum concession for a total of $1.45 billion.\nOther projects that are to be developed under ADNOC's gas strategy are the Hail, Ghasha and Dalma projects.\nADNOC also recently raised its oil output targets to 4 million b/d by the end of this decade and to 5 million b/d by 2030, citing new oil discoveries.\n|December, 14, 09:25:00|\n|December, 14, 09:20:00|\n|December, 14, 09:15:00|\n|December, 14, 09:10:00|\n|December, 14, 09:05:00|\n|December, 14, 09:00:00|\nPLATTS - Renewables' share in Germany's power mix is set to reach 38% this year, ahead of the government's 2020 target of 35% but below-trajectory for 2030's 65% target, utility lobby group BDEW said Thursday.\nEBRD - the Bank will no longer finance thermal coal mining or coal-fired electricity generation. The Bank will also stop funding any upstream oil exploration, and will not finance upstream oil development projects except in rare and exceptional circumstances, where such investments reduce greenhouse gas emissions.\nIMF - The Malaysian economy has shown resilience. Real GDP growth is projected at 4.7 percent for 2018, underpinned by domestic demand.\nIMF - Bolivia's real GDP growth is projected at 4.5 percent in 2018, one of the highest rates in the region. Growth is supported by continued accommodative policies, a second economy-wide wage bonus, and strong agriculture output.", "label": "No"}
+{"text": "Sale Sold out\nRegular price $3,200.00 USD\nRegular priceUnit price per\nRich vibrant colors open bright chakras and connection to nature BE Calm is intricately crafted using paper and acrylic paint on a large 36\" x 60\" canvas.\nFree Shipping US ONLY.\nContact us for international rates", "label": "No"}
+{"text": "BALLY GAME MAKER VIDEO SLOT MACHINE - PARTS We carry a broad line of parts for numerous makes and models of slot machines. Payments are available via a host of cryptocurrencies, including Bitcoin, as well as more traditional methods. So, yes definitely cash in on the free $285 no deposit bonus, but then make a deposit and we recommend depositing with coupon code CASINO400. Deposit just $30 and start playing with $150 in casino chips! At SportsBetting.ag, you can bet on just about anything – from the popular markets like basketball and soccer to the niche options like entertainment and financials. In case you can’t see all the games, make sure that you use Safari (for iOS) or Chrome (on Android).\nPL CS RU DE EN\nLadbrokes casino is great at making its clients happy. We look at them in detail so new punters can see exactly what they can expect to get from any introductory offer or promotion. The Gold Cup picture is warming up, however. You’ll win a progressive jackpot if your bets make that jackpot progress until it goes over the must-hit-by amount. You have to take your gambling responsibility and prudent mindset with you!\nStep 1: Enable download from ‘unknown sources’ on your mobile setting. Vegas Crest Casino does offer PayPal as a banking option through an agent. Visually, the game is meant to replicate the feeling of playing a classic one-armed bandit with mechanical reels. One of the biggest developments in the world of online betting has been the arrival of in-play bets. Receive £20 worth of free bets (4x £5 tokens) when you sign up and stake £5+ on sports markets at Ladbrokes.\nGrand online gambling mgm\nCasino fortune 2017 bonus depot code grand sans\nLake casino gun online\nThe ivy grand casino withdrawal\nStar machine grand slot\nSlot queen of machine hearts\nGolden machine slot bell\nCasino grand bonus ivy", "label": "No"}
+{"text": "Knowing the Sbobet game Benefits\nUnderstanding that providing an sbobet benefit is actually a well-liked approach used by website-structured sbobet houses to bring in and reward their customers is vital if you are interested in an internet based on line casino to experience in. Cost-free dollars pleasant gives, first and 2nd time put in bonus deals are just some of typically the most popular sbobet reward delivers now available. Hundreds of sbobet reward dollars are now being provided 24 / 7, 1 week per week, 365 days annually. These a lot of money gives are for sale to both initially-time and very long-time gamers as well. mThese kinds of added bonus provides are easily available and simple to make the most of. Actually, almost all internet casinos provide a minimum of one sbobet bonus. Participants should be asked to look around for the best sbobet bonus just before identifying which on line casino site is best for them.\nWith the amount of choices available, it is important to know what to look for while shopping about to find the best sbobet reward. A terrific way to take a look at a fresh on the internet on line casino is to look at its free of charge dollars welcome bonus supply. It seems sensible that online casinos will offer this sort of point as a “free of charge cash” sbobet reward to new players. In doing so, a gamer is permitted to use “perform” or “free of charge” money to check out a website, and in doing so, they will be subjected to the special features and additional provides of the internet casino. Some internet casinos will never offer only a rewarding sbobet bonus, and definitely will also match a player’s deposit quantity. Deposit bonus deals might be matched up to 400Per cent, which means that for each 25 money a participant deposit, they are proficient a additional 100 from the internet casino! Which is of big importance and definitely will help a lot.\nSuch an sbobet benefit is real cash which is settled directly into a participants accounts. Some websites are selling initial-time deposit bonuses effectively to the thousands of dollars. The best online casinos will match a participants 2nd time down payment quantity also. Online casinos nowadays are attempting to thrive and make it through in a really very competitive industry; therefore, they may be motivated to supply generous sbobet bonus gives to be able to satisfy old and new business alike, whilst keeping them coming back again over and over.", "label": "No"}
+{"text": "The U.S. has reported more than 125,000 coronavirus deaths so far, which is more than any other country and more than twice as many confirmed deaths as Brazil, its next-highest neighbor on the list. By the end of next month, Brazil could surpass the U.S. in the number of positive cases of the novel coronavirus. That's more than all of the COVID-19 cases reported for countries like Canada, China, Colombia, Sweden and Egypt.\nAn Emergency Medical Technician (EMT) dons personal protective equipment before going into Elmhurst Hospital during the ongoing outbreak of the coronavirus disease (COVID-19) in the Queens borough of New York, US, April 20, 2020.\nDue to a lack of federal COVID-19 lockdown measures, states and cities in the US have had to implement their own preventative policies and guidance. Italy, the onetime epicenter of the European outbreak, on Saturday registered the lowest daily tally of COVID-19 deaths in almost four months: eight.\nBrazil - the second-hardest-hit country in the world after the United States - recorded more than 1,000 deaths in 24 hours, the health ministry said on Saturday.\nEurope, which was earlier an epicentre of the virus, has over 2.6 million cases, but the daily figures have come down significantly.\nOn June 25, the Centers for Disease Control and Prevention (CDC) released a revised list of who is at increased risk of becoming severely ill due to the COVID-19 pandemic. 1 in the absence of a universal mask-wearing order.", "label": "No"}
+{"text": "Invasive Species Resources\nDisplaying 1 to 7 of 7Search Help\nUniversity of Texas at Austin.\nThe cactus moth has a wingspan of only about an inch, but this invasive insect has the potential to cause largescale agricultural and ecological devastation in Texas, according to the first study of cactus moths in Texas. Researchers at The University of Texas at Austin's Invasive Species Project based at Brackenridge Field Laboratory in Austin have found that four native species of prickly pear cactus — and the species that rely on them — face a serious health threat from the moth.\nPurdue University. News. (Indiana).\nTexas A&M University. AgriLife Extension Service.\nUSDA NIFA research investment in Texas A&M AgriLife leads to breakthrough in fighting agricultural plant diseases. Researchers have made a discovery that will help combat fastidious pathogens, which cost U.S. agriculture alone billions of dollars annually.\nVirginia Tech entomologist Muni Muniappan has warned of Tuta absoluta’s likely arrival into the United States since he began monitoring the pest's spread throughout Africa in 2012. Thanks to a joint grant from the U.S. Department of Agriculture, Muniappan's team and collaborators will be able to model the pest's entry into the United States — protecting the country's billion-dollar tomato industry — before irreparable damage is caused. Tuta absoluta is a tomato pest native to South America. If left unmitigated, it has the potential to destroy 100 percent of tomato crops. In 2016, the pest caused a \"tomato emergency\" in such countries as Nigeria, where tomatoes are a lifeline for many smallholder farmers. With the U.S. as one of the world's leaders in tomato production, the pest's impact would be severe if nothing is done to stop it. The USDA's Food and Agriculture Cyberinformatics Tools Initiative awarded the University of Virginia's Biocomplexity Institute and Virginia Tech the four-year, $500,000 grant to project the pest's movement and rate of spread into the U.S. The model, to be developed by the Biocomplexity Institute, will map the spread of invasive species over time, accounting for factors such as climate, biology, and demographic information.", "label": "No"}
+{"text": "The Technology Of Diamond Saw Blade\nDiamond saw blade as a cutting tool, widely used in concrete, refractory materials, stone, ceramic and other hard and brittle materials processing. The diamond production process is also varied, then from the process, what are the specific classification?\n1, sintered diamond saw blade: sub-cold pressure sintering and hot-pressed sintering two, pressed sintered.\n2, welding diamond saw blade: sub-brazing and laser welding two, brazing is through high temperature melting medium will be welded together with the matrix, such as high-frequency induction brazing saws, vacuum brazing saws, etc .; laser welding Metallurgical bonding is achieved by melting the tip of the tool tip against the substrate with a high temperature laser beam.\n3, electroplating (brazing) diamond saw blade: the tip powder is attached to the substrate by electroplating method.\nOf course, the use of different products produced by the corresponding is different, what are you mainly used to cut?", "label": "No"}
+{"text": "This story was originally published in the November issue of Amplify, a publication of the University of Virginia Division for Diversity, Equity and Inclusion.\nIt’s never been more critical to holistically support children’s cognitive, emotional, and physical needs as part of their education. Even before the COVID-19 pandemic brought unprecedented disruption to students’ learning, the rate of mental and physical languishing among children across the country was rising rapidly. This is especially true in vulnerable populations regularly experiencing poverty, trauma, and community violence.\nHigh levels of mental and physical stress can interfere with a child’s academic development, health, and well-being, and the ripple effects can be devastating for families, communities, and society. A critical resource for countering these alarming trends is early intervention at the public-school level—providing children the tools to build resilience and the personal, social, and emotional skills to reach their highest potential. UVA’s Compassionate Schools Project is designed to do just that.\nA Groundbreaking Approach to Education\nDeveloped by teachers and education experts at the School of Education and Human Development in collaboration with UVA’s Contemplative Sciences Center, the Compassionate Schools Project (CSP) incorporates integrated lessons in mindfulness, social-emotional learning, movement, and healthy eating into public school education. School of Education Professor Tish Jennings, a leader of CSP, says, “The idea of the curriculum is to give our children the skills to manage their own health and well-being throughout their lives and to understand what selfcare means for them, how they can monitor their needs, and how doing so can empower them to contribute to their communities.”\nThe CSP team is proving the program’s merits in a massive, randomized controlled research trial over five years in the city of Louisville, KY. The research involved 20,000 children in K-5 classrooms throughout 45 elementary schools in Louisville public schools—the most comprehensive study of its kind. Led by principal investigator Patrick Tolan, a professor in the Education School and in the Department of Psychiatry and Neurobehavioral Sciences in the School of Medicine, UVA researchers are preparing to publish the study later this year.\nPreliminary findings indicate the program led to calmer and less disruptive classrooms; more satisfied and motivated teachers; and, on a school-wide level, fewer discipline problems, better academic performance, and fewer absences. As a result of these and other school and community benefits, Louisville schools have formally adopted the program.\nPutting Research into Service\nEquipped with lessons from the Louisville study and a 3Cavaliers grant issued to Jennings along with David Germano, a Professor in Arts & Sciences and Executive Director of the Contemplative Sciences Center, and James Nataro, Professor and Chair of Pediatrics at the Medical School, for a collaborative study to determine CSP’s effects on children’s health, UVA introduced the CSP curriculum to Charlottesville City Schools in 2019. Beginning with a pilot program in grades K-4 at Johnson Elementary School, the Charlottesville CSP expanded to K-1 classrooms at Greenbrier Elementary this fall, bringing the total number of Charlottesville students benefiting from the curriculum to nearly 400 for the 2021–22 school year. Allison Pillow, who teaches the CSP curriculum at Johnson Elementary as its School Counselor, says she’s seen remarkable effects on students from CSP’s integration of social and emotional learning with lessons on “calming and focusing” and mindfulness:\n“They’re understanding what it means to have compassion for themselves and others and how calming their minds and bodies helps them regulate their emotions.”\nPillow says the students especially love the mindful breathing exercises. In a recent program evaluation, one student said: \"When I am scared and worried, I like to stop and take deep breaths and when I am done with my breaths I feel much better and then I take some time to tell my body how I am feeling. That helps so much.” Teachers at Johnson are noticing changes too. One explained, “We begin each day with 10 Morning Breaths, and the students come up with new breaths each day to follow along together! I have also seen students practice compassion when others get injured by being extra quiet and sweet to them, and even standing up and giving the hurt or upset person tickets from their own ticket boxes (that they had earned for doing the right thing) to cheer them up.”\nA key part of CSP’s power is its whole-school approach. In Charlottesville the CSP curriculum is directly delivered once or twice a week for 30–60 minutes through the school counselor and specials (i.e., PE, Art, Music, Library); however, the lessons and language are emphasized throughout the school day. For example, most classroom teachers at Johnson and Greenbrier have adopted CSP’s use of compassion boards—where students can post acts of kindness toward themselves or others in little cut-out hearts —and pause places—designated corners where students can take a moment to calm down or reflect.\nIn addition, all teachers can benefit from the professional development and training offered as part of implementing the CSP curriculum. In Charlottesville that training is provided by Polina Mischenko, a postdoctoral research associate at the Contemplative Sciences Center and director of the Charlottesville CSP. Included in the training is Cultivating Awareness and Resilience in Education (CARE), a professional development program co-created by Jennings. The CARE program is designed to help teachers and school administrators manage stress and develop the kinds of skills that support embodying many of the CSP curriculum’s learning objectives, including compassion, self-care, and self-awareness.\nExpanding CSP’s positive effects is the ultimate goal of all involved. Katherine Sublett, the School Counselor at Greenbrier who’s leading implementation in grades K-1 this year, says, “We want every student impacted in some way and to scale up as quickly as we can so all grades can receive the curriculum directly.” Pillow also has broad aspirations for the program. “A longer-term goal of mine is to have the benefits of this curriculum and practice spread out to our families and our larger Charlottesville community,” she says. Leveraging the University’s research and scholarship for direct and tangible benefits to the community is exactly what President Ryan called for in his 2030 strategic plan, A Great and Good University. “President Ryan has been very clear and consistent in imploring all of us across Grounds to think about engaged scholarship and service,” says Germano, “and about how we need to be focused not only on what we can do at the University, but also on how we can be supportive and engaged with the communities in which it is embedded.”\nWidespread Benefits to Public Health and Well-Being\nThe Charlottesville CSP is poised to transform elementary education across the commonwealth and the nation and to improve public health for generations to come. The study will utilize Fortify Children’s Health—a pediatric Clinically Integrated Network (CIN) launched by UVA’s Children's Hospital in partnership with the Children’s Hospital of the King’s Daughters. This CIN is the first of its kind to track children’s health data through a network of healthcare providers, including children’s schools. By linking school data to health data, the UVA team can investigate the extent to which the program improves children’s mental and physical health, thus decreasing healthcare expenditures. If they can demonstrate that interventions delivered at the school level have positive impacts on common health concerns such as anxiety and ADHD, the program may be adopted at a very low cost by every school across the Commonwealth.\nNataro explains the study’s importance: “We need ways to make our society, and particularly our youth, more resilient to the stresses of everyday life and to be able to help heal when they develop these disorders. This is not to say that medication and psychotherapy and psychology don’t have their place,” he says.\nGermano adds that in addition to benefiting the lives of children, this program brings tangible economic benefits for the future. “In today’s world, we run across many people who tell us that while they would like to support kids with programs like this, there just is not the money for it. But this research is geared specifically toward the economy of education, and allows us to say, ‘Look, we can say no to this sort of thing and save $50,000, but when we look at the health care data, we are going to spend ten times that on the other end.’”", "label": "No"}
+{"text": "What are low-carbon fuels?\nLow carbon what?\nLow carbon fuels, or clean fuels, are those that result in less carbon pollution compared to petroleum-based fuels and that are produced in a sustainable manner.\nAlso called next generation or advanced biofuels, they can overcome the limitations of both fossil fuels and first generation predecessors by utilizing existing infrastructure, reducing emissions, and careful use of our land when coupled with proper sustainability certification.\nAdvanced biofuels can be considered “low carbon” or “clean fuels” by looking at the total impact of the fuel on the environment and economy. These fuels can provide significant environmental and social benefits if developed with caution and foresight. The best biofuels are those that make it environmentally and economically possible to produce more food and fuel and do it in a way that clearly reduces global warming pollution, conserves and enhances our soil and water resources, protects our fragile wild lands, forests and native ecosystems, and improves the economic welfare of farmers, workers and communities. Fortunately, there are third party tools to help producers and buyers assess and validate the sustainability of their biofuels. Credible certification systems such as the Roundtable on Sustainable Biofuels (RSB) verify those products that come from supply chains that deliver on the environmental promise of advanced biofuels and avoid significant unintended consequences.\nThis website provides the economic and environmental case for transitioning to next generation, or advanced biofuels by profiling the advanced biofuel industry.\nHow is a fuel’s impact determined?\nLifecycle accounting allows us to rate fuels based on all the greenhouse gas emissions produced from creation or extraction to the use in a vehicle, including supply chain emissions. Regions throughout the world, including California, the U.S. federal government, and the European Union all rate fuel GHG emissions based on this scoring approach.\nLand use is an important part of biofuel production, as feedstocks are frequently sourced from biomass. The inclusion of land use change impacts help to minimize the use of biomass such as forests as well as sources that compete with food production.\nWhat feedstocks are used for advanced biofuels?\nOne of the advantages of advanced biofuels is the diversity of feedstock alternatives. Advanced biofuels may be sourced from: agricultural waste or residue, waste oils, perennial grasses and other dedicated energy crops, algae, waste biomass, farmed woody biomass, post-recycled waste and many others.\nHow are they made?\nEach clean fuel company has its own proprietary process to convert a feedstock into a fuel. Companies producing ethanol, an alcohol based fuel, may use a process similar to alcohol distillation. Other companies producing jet fuel or diesel substitutes may gasify feedstocks into their basic chemical building blocks, and re-build the chemical components so the result is a hydrocarbon chain that looks like crude oil. Then traditional refining of the crude oil can produce gasoline, diesel, or jet fuel that can be used in existing pipelines, tanks and engines.\nAre clean fuels available today?\nMany companies are just beginning production of fuels or construction of facilities that will produce clean fuels. These fuels will be blended into the gasoline and diesel we use everyday, lessening the overall impact of the fuel sold in the United States. See here for more information about the advanced biofuel industry or individual biofuel companies.\nWhat will Clean Fuels do for our Economy?\nHow does this help state-level economies?\nUsing California as an example, consumers and businesses spent approximately $70 billion in 2012 on gasoline and diesel with over $40 billion of this being sent outside the state and overseas. Instead, investments can be made in safe, domestic, and clean energy sources like renewable fuels, electricity, and natural gas to fuel our cars and trucks.\nMore advanced biorefineries are coming online each year. E2’s projection for jobs from advanced biofuel refineries (expected from 2014 through 2016) estimated that about 1,500 permanent, 7,000 construction and 9,900 indirect jobs could be created through the more than twenty expected refineries. These numbers only scratch the surface, as it does not fully account for other jobs created within the biofuel value chain or corporate and R&D jobs.\nPetroleum imports drive the United States trade deficit. The trade deficit in petroleum is at $268 billion in 2010, up from $50 billion annually in the 1990s. Petroleum’s share of total U.S. trade deficit has risen from 27 percent in 2004 to about 50 percent in 2012. As domestically produced biofuels displace oil imports, they also reduce the trade deficit.", "label": "No"}
+{"text": "By Bethany Gray\n“The ability of birds to show us the consequences of our own actions is one of their most important but least appreciated attributes. Despite the free advice of birds, we didn’t pay attention. ” — Marjorie Stoneman Douglas, 1947\nThe month of May each year hosts the return of migratory birds from their southern wintering grounds to breeding grounds further north. Millions of birds pass by and stop to refuel, or settle in Ohio for nesting season. The second Saturday of May and October is officially recognized as International Migratory Bird Day. The journey of birds and their reproduction, however, is paired with harsh and deadly challenges.\nSince 1970, North America has lost three billion birds, nearly 30% of the total (abcbirds.org/3-billion-birds), suffering the heaviest losses among the 12 bird families that include sparrows, warblers, finches, and swallows. kite. Habitat loss and degradation are the two main reasons, followed by outdoor cats, window crashes and exposure to pesticides and poisons.\nOutdoor cats kill billions of birds, small mammals and pollinators, including butterflies, every year, and even if the birds don’t die soon, cat bites carry bacteria that often cause their deaths.\nIntroduced to the US by European colonizers, the number of domestic cats has tripled in the last 40 years. In addition to the recommendation that cats be spayed/neutered to reduce overpopulation, the American Bird Conservancy website provides practical strategies for pet owners making the transition to keeping/restricting cats from roaming outdoors or keeping cats indoors.\nThe American Veterinary Medical Association describes further benefits for cats and their humans — increased lifespan and reduced human cruelty, injury, and disease spread.\nEighty percent of migratory birds do so at night when there is quieter air space and fewer predators, using the moon and stars to navigate. Artificial light is increasing by 2% per year globally, and light pollution confuses birds and causes them to land in vulnerable and collision-prone areas; it also harms the moth population. During migration, residences and businesses can assist by turning off or lowering the visor of any upward-pointing chandeliers or headlights, eliminating horizontal glare, installing motion sensor lights wherever possible, and turning off unnecessary interior lighting on higher floors.\n“Turning off bright lights helps birds move within minutes, as the Cornell Lab of Ornithology and New York City Audubon discovered during the annual 9/11 anniversary in New York City.\nHundreds of birds are caught on the warning beams every year but shutting them off for only 20 to 30 minutes at a time greatly reduces bird density in the area.” (audubon.org/lights-out-program)\nAudubon reports that 55-75% of bird window attacks are lethal. The recently released book “Solid Air: Invisible Killer, Saving Billions of Birds from Windows” describes the behavior of birds “as if the sheet of glass was invisible to them.” They often see the reflection of vegetation or are attracted to the light indoors at night. Screens, curtains and/or shutters will reduce this. Another option is to use clear anti-attack decorative stickers or anti-attack film or tape. Keeping bird feeders and bird baths further away from windows also helps. While some birds may be momentarily stunned after being hit and then continue flying, others may not, or they may look injured. After witnessing a bird injury, contact a licensed wildlife rehabilitator and store the bird in a dark box with air holes and in a quiet place for transportation. In these areas, contact the Brukner Nature Center for songbirds; Glen Helen Raptor Center cares for larger birds of prey.\nWhen doing landscape work, if tree or shrub felling or similar work can wait until fall, it may save the entire bird’s nest either in the cavity or in the branches. Keeping partially dead trees and branches — snags — in a safe place offers nesting opportunities and a food source where they will be completely removed. For more information on how to start introducing more sustainable landscape practices, visit nwf.org/CERTIFY.\nWhen we pay attention to birds, we in turn help ourselves.\nFor more information, see “101 Ways to Help Birds,” by Laura Erickson.\n*The author is a local naturalist and certified habitat ambassador and educator for the National Wildlife Federation.", "label": "No"}
+{"text": "The summer of 1799 saw a new fad take hold in one remarkable circle of British society: the inhalation of “Laughing Gas”.\nThe overseer and pioneer of these experiments was a young Humphry Davy, future President of the Royal Society.\nMike Jay explores how Davy’s extreme and near-fatal regime of self-experimentation with the gas not only marked a new era in the history of science but a turn toward the philosophical and literary romanticism of the century to come.\nDetail from a satirical print from 1830 depicting Humphry Davy administering a dose of Laughing Gas to a woman while Count Rumford looks on (cropped out of the picture above), above the caption “Prescription for Scolding Wives” – Source Wikimedia.\nOn Boxing Day of 1799 the twenty-year-old chemist Humphry Davy (picture below) – later to become Sir Humphry, inventor of the miners’ lamp, President of the Royal Society and domineering genius of British science – stripped to the waist, placed a thermometer under his armpit and stepped into a sealed box specially designed by the engineer James Watt for the inhalation of gases, into which he requested the physician Dr. Robert Kinglake to release twenty quarts of nitrous oxide every five minutes for as long as he could retain consciousness.\nThe experiment was taking place in the lamp-lit laboratory of the Pneumatic Institution, an ambitious and controversial medical project where the young Davy had been taken on as laboratory assistant.\nIt had opened the previous March in Hotwells, a run-down spa at the foot of the Avon Gorge outside Bristol.\nOriginally developed to rival nearby Bath, Hotwells had dwindled to a downmarket cluster of cheap clinics and miracle-cure outfits offering hydrotherapy or mesmerism to those in the desperate last stages of consumption; but the Pneumatic Institution was a new arrival with revolutionary ambitions.\nIts founder, the brilliant and maverick doctor Thomas Beddoes, believed that the new gases with which he and his assistant were experimenting had the power to put the treatment of this most lethal of diseases onto a proper scientific footing for the first time, and in the process to transform the art of medicine.", "label": "No"}
+{"text": "Most of us know about Kedarnath Temple but we hardly know the region that surrounds this enchanting place. Yes, this area is of utmost importance as it holds something unique and precious. The landscapes of alpine forests and alpine meadows of the Western Himalayas are a home to some threatened species of wildlife. This region is the Kedarnath Wildlife Sanctuary which is spread across Chamoli and Rudraprayag districts of Uttarakhand.\nEntering the Sanctuary From Chopta\nPhoto Courtesy: dirk.hartung\nIt is also known as Kedarnath Musk Deer Sanctuary because of the Himalayan Musk deer who form the flagship species of this reserve.\nThe Himalayan Musk Deer\nThe Himalayan Musk deer belong to the musk deer species and are mainly found in the Himalayan regions. The Himalayan Musk deer are light brown in colour without any white spots. They have thick coarse of hair which protects them from extreme cold weather. Males are extremely territorial and do not let males from other clan to enter their group and the females live in small groups.\nHimalayan Musk Deer\nUnfortunately, The Himalayan Musk deer are endangered species in India. A wax secretion called musk created in the male musk deer is used in cosmetics and medicines. The musk is very valuable and hence the Himalayan Musk deer are poached. This has resulted in the decline of their population.\nKedarnath Musk Deer Sanctuary\nA captive breeding centre was set up in Kharachula Kharak inside the sanctuary. This helped in increasing the population of the musk deer. However, it was not that successful as the deer died for different reasons like climatic conditions, mortality rates and infections. So, one musk deer was relocated to Darjeeling Zoo.\nFortunately, some musk deer are said to be roaming around in the sanctuary in recent times. This has given a relief to the wildlife conservationists who feared that it has disappeared completely.\nPhoto Courtesy: Dibyendu Ash\nOther Animals in Kedarnath Wildlife Sanctuary\nMammals like Snow leopards, common langur, Himalayan black bear, leopard cat, yellow-throated martin, red giant flying squirrels, etc. live in this sanctuary. Several exotic birds like snow partridge, grey-cheeked warbler, khalij pheasant and Himalayan Monals are also found here.\nPhoto Courtesy: Kmishra19\nReligious Places Near Kedarnath Wildlife Sanctuary\nIn fact, Kedarnath Wildlife Sanctuary derives its name from the famous Kedarnath Temple. Yes, visitors have to go through the sanctuary to reach Kedarnath Temple in Uttarakhand. Kedarnath Temple is in the outskirts of the wildlife sanctuary.\nOther important religious places like Madhyameshwar, Tungnath, Mandani, Rudranath, Gopeshwar and Anasuya Devi are some of the places near Kedarnatha Wildlife Sanctuary.\nBest Time to Visit Kedarnath Wildlife Sanctuary\nThe weather conditions are extreme as it is in the Himalayan region. The sanctuary is open only during the months of April to June and September to November.\nHow to Reach Kedarnath Musk Deer Sanctuary\nKedarnath Musk Deer Sanctuary is around 45km from Chopta and 105 km from Rishikesh. Kedarnath is around 110km from Dehradun.\nBy Train: Rishikesh Railway Station is the nearest railway station.\nBy Air: Dehradun Airport is the nearest airport to reach Kedarnath.\nIt is sad that musk deers are poached and it has pushed them to the endangered list. Only a few deers are surviving as of now. Some how it becomes everybody's responsibility to protect the wildlife and that helps in ecological balance.", "label": "No"}
+{"text": "Technology outfit, Rambus, is seeking to revolutionise the Internet of Things by bringing dirt-cheap visual sensors to the party. Rather than focusing on the refracting properties of light, its engineers use diffraction to capture data rather than an image.\nUnlike a traditional affair, Rambus' lensless visual sensor shuns image quality, precision and colour fidelity – it's all about simplicity.\nWhile it won't allow you to tell blue from yellow (everything is in greyscale), you will be able to distinguish forms and basic shapes (e.g. the number of fingers on one hand).\nAlthough that might initially seem detrimental, it actually helps alleviate privacy fears that might arise due to the near-microscopic size of the Rambus sensor.\nUltra-compact and cheap\nWhat's more, it is extremely thin and small, very cheap to produce, has an extended depth of field, a very wide angle of vision, works with visible and invisible light (UV, IR) and its power consumption is in the microwatts.\nDr Patrick Gill explained to us that the sensor is ideal for ubiquitous smart sensing, before adding that \"producing a normal lens that size is near impossible\".\nApplications for this technology are near limitless and involves anything that uses point tracking, image change detection, object recognition, range finding and so forth.\n- Check out the rest of our MWC 2015 coverage", "label": "No"}
+{"text": "The ever-gracious Lady C writes from Hampshire to ask if Capability Brown, that special signor of sensibility, used mound planting at Langley, Bucks.\nThe question intrigues me because if we could only pin down the stylistic tricks and techniques that Brown invariably – or even frequently – used and that might be said to characterise his work, we could place ourselves in a commanding position to determine in any site what he did and didn’t do.\nMounding is a method of tree planting too seldom used. The turf around the new site is removed, the roots of the young tree are then spread out on the top soil, and earth is then mounded up around the tree. The great advantage over digging a deep hole and dropping the rootball of the tree into it is that the soil structure is not disturbed and the roots do not find themselves trapped in a sheer-sided hole. Mr. McDonald of Dalkeith, a fine practitioner of the art, has argued that it prevented the roots from getting so soon down to the subsoil. I recall his saying that that always produced canker in the plant. Whether Mr Stephens mounded for the same reason at Langley Park, Bucks, I do not know, but I have admired some fine specimens of the practice there, and it seems to have been used there for over a hundred years: on early 18th century oaks, mid-19th century apples, and even late 19th century Wellingtonias.\nAlas Lady C, although Brown had two campaigns at Langley Park, the conkers and plane trees around the lake (some of which might have been planted in his day) look as though they were planted on mounds, rather than mound-planted. The fact of the matter is that Brown doesn’t seem to have used mound-planting – either there or anywhere else. I must confess that I cannot call to mind anything that is uniquely characteristic of his work. You may wish to conclude that this amounts to an admission that the great man was not an innovator, and I dare say you would be right so to do.", "label": "No"}
+{"text": "Group V and Nitrogen\n- Group V of the periodic table shares similar characteristics of the other groups of the p-block; at the top of the groups are the non-metals (nitrogen and phosphorus) and at the bottom of the group are the metalloids (antimony and bismuth).\n- Atoms of the Group V elements can form three covalent bonds by sharing the three unpaired p-electrons.\n- This gives them compounds in which the Group V element has an oxidation state of +3 or -3.\n- The lone pair of electrons that each element has allows them to form dative bonds. This enables them to form compounds in which their oxidation state is five.\n- Nitrogen and phosphorous are very important elements within group five; they are constituent elements in living things; they are both essential for healthy plant growth.\nNitrogen is the most abundant gas in our atmosphere; however it is extremely unreactive.\n- This low reactivity arises due to the strong triple bond between nitrogen atoms in N2 molecules.\n- In order for nitrogen to react, the triple bond between the nitrogen atoms must be broken, or partially broken.\n- This requires large amounts of energy, thus the activation energy for reactions involving nitrogen is very high.\n- During thunderstorms, the highly energetic lightening flash can provide enough energy to form nitrogen oxides from atmospheric oxygen and nitrogen.\n- Once reacted, it can form many useful compounds, for example ammonia, nitrogen oxides and nitrates.\n- Ammonia is an example of a nitrogen hydride.\n- The lone pair of electrons on the ammonia allows it to acts as a nucleophile (donating a pair of electrons to a positively charged carbon atom), as a base (forming a dative bond with an H+ ion) and as a ligand.\n- Nitrogen forms many different oxides, all of which are gaseous.\n- Some of the more important ones are:\nNitrogen monoxide (NO), a colourless gas which turns to brown NO2 in air. It is produced in combustion processes, especially from internal combustion engines. It is also formed in thunderstorms, and in the soil by denitrifying bacteria.\n- Nitrogen dioxide (NO2) is a brown gas; it is toxic and is also formed in combustion processes and thunderstorms.\n- Dinitrogen oxide (N2O) is a colourless gas formed in the soil by denitrifying bacteria.\n- There are two types of nitrate ions in the nitrogen cycle: nitrate (III), NO2-, and nitrate (V), NO3-.\n- Their names are distinguishable from one another by their oxidation states.", "label": "No"}
+{"text": "Protocols are employed to help answer large questions about teaching and\nlearning; these are sometimes called \"research questions\" or \"inquiry\nquestions.\" A group might go through several -- even a year's worth\nof -- protocols addressing the same question. Examples:\nHow can we support students to become reflective problem solvers? What\nare the learning benefits of writing in math?\noften have more specific, though still large, \"focusing questions\"\nthat guide individual protocols, especially in the Tuning\nProtocol and Consultancy.\nParticipants strive to address the focusing question with their own\nquestions and feedback. Examples:\nHow is the rubric for this assignment reflected in the student work?\nWhat evidence do you see of students' research skills here?\nprotocols, participants ask a wide range of questions, from \"clarifying\nquestions\" to \"probing questions.\" Clarifying questions typically\nseek \"nuts-and-bolts\" information about the project. Example:\nHow much time does the project take? How were the children grouped?\nProbing questions typically ask for deeper, more reflective responses\nfrom the presenter. Example: How\ndoes your belief about writing influence your students' work on this\nto the presenting teacher often comes in the form of questions. Example:\n\"I wonder what would happen if students were involved in developing\nUsually at the end of a protocol, the participants use reflection\nquestions to consider what they have learned about the process of\nLSW itself. Examples: \"What worked\nwell?\" \"Did the conversation move us closer to our goals? If so, how?\"\nare also the facilitator's questions--sometimes asked by other\nparticipants--that help keep protocols focused and push for greater\ndepth. Example: \"What do you see\nin this child's work that makes you say it's more creative?\"", "label": "No"}
+{"text": "It’s that time of year when everyone’s thoughts turn to the holiday tradition of gift-giving. Shoppers are frantically searching for the perfect present for the significant people in their lives. The exchanging of gifts is a vital part of the holiday season, but did you realise that gifting offers psychological benefits as well? Giving a gift is a global approach of expressing interest, gratitude, and appreciation while also strengthening ties with others.\nGiving gifts has been essential throughout history for a variety of reasons: to indicate peace and respect toward another nation, to welcome others into a new family circle, or to express gratitude for a safe journey by land or sea. In this time of short days and seemingly endless darkness, many people prefer to celebrate light festivals, which encourage the sharing of presents. However, our planet’s resources are limited, and our houses are frequently already overflowing with material goods. How can we balance our long tradition of gift-giving, as well as our cultural and civic festivals, with this over-commercialization?\nWhat is mindful gifting?\nPaying attention to the present moment and being aware of what you’re doing and why you’re doing it is what mindfulness is all about! As a result, thoughtful gifting is about giving from the heart. It entails considering the person who will receive our gift, how we want them to feel, and why we want to offer this gift to them. After all, presenting a gift is an act of love, and it should be a token of our gratitude to the recipients. This is advantageous to both you and the recipient of your gift! Your loved one receives a thoughtful present that they adore, and you get to experience the delight of being able to express your thoughts to them.\nWhen you build your connections and become joyful, you get confidence and a sense of self-worth. According to studies, those who donate on their own frequently have greater self than someone who does not.\nA meaningful gift between two people can be a nonverbal means for one person to show their thoughts and appreciation for the recipient of the present. Send gifts online if you’ve had a really bad day at work, your significant other might purchase you a lovely arrangement of your favourite flowers. This tiny act of kindness is likely to improve your spirits while also reassuring you that your mate is unquestionably a keeper.\nA Great Way To Express Love\nOffering gifts demonstrates self-satisfaction and is an excellent approach to developing a relationship. Gifts is a wonderful way to demonstrate how much you care about a friend or loved one, and it doesn’t have to be for a special occasion or event. So giving gifts is an excellent method to demonstrate your sincerity and good intentions to someone.\nOutside of official festivals and birthdays, another reason to give someone a gift is to express your thanks for those you care about and appreciate. You might want to give someone a present as a way to thank them for their accomplishments or especially good behaviour. Regardless of whether it’s a special occasion or not. You can give people who have impacted your life in some way a gift to show how much you value their efforts, advice, and existence in your life are all appreciated.\nSometimes To Apologize\nPresents come to the rescue when words are just not enough! People regularly find themselves in situations when they want to apologise to their dear ones but are unable to do so because they lack the necessary words. A gift can be useful in this situation because it demonstrates your sincere apologies. The present will demonstrate that you really regret your actions. If you’ve recently found yourself in this circumstance, simply send apologetic flowers together with a message card to your loved ones!\nDonating money or volunteering for a charity are examples of gifts that can be given to help others. Several theories have been proposed to explain why people do this. According to one theory, charity giving activates dopamine-producing pleasure circuitry in the brain. In reality, we give because it makes us happy.\nTo Keep In Touch\nGifts can help to strengthen bonds between people. You can provide a gift by sending personalised gifts online, which is the ideal approach to stay in touch and retain that individual in your life. The best approach to show you still care is to give gifts for living well. They’ll think of you every time they utilize essential oil products or drink a cup of wonderful loose-leaf tea you provided them.\nYou may discover the proper type of gift to give someone for every purpose or event, whether you’re celebrating birthdays and holidays, wishing someone good luck and best wishes, demonstrating love and affection, or simply saying thank you.", "label": "No"}
+{"text": "While microbial communities of aerosols have been examined, little is known about their sources. Nutrient composition and microbial communities of potential dust sources, saline lake sediments (SLS) and adjacent biological soil crusts (BSC), from Southern Australia were determined and compared with a previously analyzed dust sample. Multivariate analyses of fingerprinting profiles indicated that the bacterial communities of SLS and BSC were different, and these differences were mainly explained by salinity. Nutrient concentrations varied among the sites but could not explain the differences in microbial diversity patterns. Comparison of microbial communities with dust samples showed that deflation selects against filamentous cyanobacteria, such as the Nostocales group. This could be attributed to the firm attachment of cyanobacterial filaments to soil particles and/or because deflation occurs mainly in disturbed BSC, where cyanobacterial diversity is often low. Other bacterial groups, such as Actinobacteria and the spore-forming Firmicutes, were found in both dust and its sources. While Firmicutes-related sequences were mostly detected in the SLS bacterial communities (10% of total sequences), the actinobacterial sequences were retrieved from both (11-13%). In conclusion, the potential dust sources examined here show highly diverse bacterial communities and contain nutrients that can be transported with aerosols. The obtained fingerprinting and sequencing data may enable back tracking of dust plumes and their microorganisms.\n|Number of pages||11|\n|Journal||FEMS Microbiology Ecology|\n|Publication status||Published - May 2012|\nASJC Scopus subject areas\n- Applied Microbiology and Biotechnology", "label": "No"}
+{"text": "How do you define an entrepreneur in the 21st century and point out the characteristics of a successful entrepreneur?\n10 Characteristics of a Successful Entrepreneur\n- Social Skills.\n- Open-mindedness towards learning, people, and even failure.\nWhat are the skills of the 21st century entrepreneur?\n21st Century Skills or Entrepreneurial Global Competencies?\n- Critical thinking and problem solving.\n- Collaboration across networks and leading by influence.\n- Agility and adaptability.\n- Initiative and entrepreneurship.\n- Effective oral and written communication.\n- Accessing and analyzing information.\n- Curiosity and imagination.\nHow has entrepreneurship changed in the 21st century?\nHere are a few advancements in technology that have made it easier to do business in the 21st Century: Social media platforms have made it easy for entrepreneurs to promote, market, and advertise their products and services. Small business owners can provide their products to customers in a fast and efficient way.\nWhat is the motto of the twenty first century entrepreneurship?\nMotto for the 21st Century: What’s Mine Is Yours.\nWhat are the 3 important skills of a successful entrepreneur?\nWhile there is no magic formula for beings a successful entrepreneur, those who do succeed tend to have mastered the following set of skills: good and effective communication; being able to sell both themselves and their idea or product; strong focus; eagerness to learn and be flexible; and a solid business plan.\nWhat skills are needed to be a good entrepreneur?\nExamples of entrepreneurial skills\n- Business management skills.\n- Teamwork and leadership skills.\n- Communication and listening.\n- Customer service skills.\n- Financial skills.\n- Analytical and problem-solving skills.\n- Critical thinking skills.\n- Strategic thinking and planning skills.\nWhy is the study of entrepreneurship essential for a 21st century student like you?\nIndeed, entrepreneurship is not just another subject; it is a mindset that helps individuals develop nimble thinking so they can identify problems and find solutions that create value. These analytical and interpersonal skills transcend the workplace, which is why entrepreneurship is so important for students.\nWhy entrepreneurship is the future?\nNot just because it will help grow our business, but because entrepreneurship is key to global recovery. … Future entrepreneurship has the potential to be the ultimate global equalizer, creating many more opportunities for many more people. Searching for tips and advice on entrepreneurship and growing your business?\nWhat would be the future of entrepreneurship?\n“Becoming and entrepreneur will become the first option for people. The next generation of entrepreneurs between ages 16-30 will look to first create their own company, products, services, and vision instead of opting for attaining jobs out of college with large firms or companies.\nWhat are good future business ideas?\n30 Best Business Ideas for India – 2020 and 2021\n- Social Impact Investment Funds. …\n- Cheap Home Solar Energy Setup Company. …\n- Community Generator/ Energy Supply Control. …\n- Internet infrastructure Building Company. …\n- India Culture E-Commerce Niche Store. …\n- Warehouse/ Inventory Management for E-Commerce. …\n- Last-Mile Delivery Solution Company.\nWhat aptitude are essential in the 21st century to be a successful entrepreneur?\nThis means that a 21st-century entrepreneur is constantly thinking and planning. One way to do this is by creating and maintaining effective business plans. Furthermore, a good entrepreneur should also have excellent communication skills, leadership capability and the ability to lead others effectively.\nWhat is the definition of entrepreneurship in the modern world?\nEntrepreneurship is the act of creating a business or businesses while building and scaling it to generate a profit. … The more modern entrepreneurship definition is also about transforming the world by solving big problems.\nWhat is meant by the dark side of entrepreneurship?\nThe Dark Side of Entrepreneurship includes Depression, Stress which at times lead to Mental and health issues. … Asymptomatic entrepreneurs (having no mental health issues) with asymptomatic families constituted only 24% of the entrepreneur participants.", "label": "No"}
+{"text": "Stellar Mass Loss\nEarly type stars exhibit stellar winds corresponding to mass losses as great as 10 -5 to 10 -4 solar masses per year. One of the mechanisms evoked is radiation pressure on lines, although it has proved difficult to fully explain the mass loss exclusively through this process. In general the radiation from hot massive stars exhibiting winds is polarized. This one simple statement says that the mass loss is not spherically symmetric and hence not simply driven by a spherically symmetric radiation field. The polarization is due to scattering of the stellar radiation from the ejected mass. In some cases mass escapes in quasi-periodic outbursts into an equatorial disk. In this case the degree of polarization varies but the position angle remains constant, perpendicular to the plane of the disk. In other cases mass is lost along polar plumes and in some cases there are both equatorial disks and polar plumes. We know this from observations extending across the visual and ultraviolet, because in the ultraviolet the position angle flips 90 degrees when the high UV dust extinction in the denser disk inhibits scattering from the disk. The presence of such non-symmetric mass loss poses problems for the acuurate determination of mass-loss rates, which in turn has a significant effect on the evolution of massive stars and of the galaxies in which they reside.\nIn other stars the matter is ejected in a stochastic manner, in random blobs, in which case the polarization is seen to vary in position angle as well as degree. If, however, the interstellar polarization is large compared to the variations of intrinsic polarization the position angle will not change much and the inference would be that the ejection is confined to a disk. Interstellar polarization falls off in the ultraviolet and thus provides the means to measure this intrinsic polarization and confirm the random ejection. Massive supergiants (SG), Be stars and Wolf-Rayet stars are among those that were observed during the Astro-1 mission. The results for Be stars were a surprise and have spawned a variety of theoretical studies and considerable insight into both the Be processes and the new insight we will be able to gain fromfuture observations. The large polarization variability observed in Be and SG stars places constraints on the mass-loss mechanisms, and combined optical and UV spectropolarimetry provides stern tests for proposed models.\nWolf-Rayet stars are an excellent example of the role of spectropolarimetry in modern astrophysics and parenthetically a Guest Investigator program for Astro-2. Wolf-Rayet stars are characterized by strong broadened emission lines showing supersonic flow not easily explained by radiation pressure. The line spectrum exhibits a wide range of ionization (HeI, HeII, CII, CIII, CIV, NIII, etc). Most models assume that the emission lines are produced in a radially expanding medium with a temperature stratification. The large line widths are then attributed to the Doppler effect of the expanding envelope. The lines of highest ionization have the smallest width. If the high ionization lines are formed near the star then the envelope accelerates outward, while if the ionization increases outward then the envelope is decelerating. Studies of the light curves of the eclipsing systems CQ Cepheus and V444 Cygni have given conflicting results on the nature of the stratification. This is expected, however, since polarization measurements establish that these stars are not spherically symmetric stratification. In fact what is expected is that lines formed closest to the star will exhibit the largest polarization (i.e. have a greater electron scattering path than lines formed in the outer regions). In order to provide a means of correcting for the interstellar polarization component and to discriminate between polar and equatorial ejection, polarization observations in the UV and optical are necessary. The current data from Astro-1 have clarified some features of this fascinating example of mass loss but additional data is required to adequately test the current models.\nWUPPE observed many hot stars, Wolf-Rayet objects, binaries and novae during Astro-2 and the data are currently being studied.\n- A. D. Code", "label": "No"}
+{"text": "Poker hands are rated according to the likelihood that a player will receive them. Equivalent poker hands are rated according to which player holds cards of the highest values, called the stronger hand. You can learn poker hands for most poker games using a memory device called a mnemonic. It's important to memorize the rankings of poker hands because asking during a game will give away your hand and may cause you to lose your stake.\n1Remember the lowest-ranking poker hands with the numbers 0, 1, 2, and 3.\n- 0: High card. You have 0 pairs, and the value of your hand is dependent on the value of your highest card. Remember that a 2 is the lowest card and an ace is the highest.\n- 1: One Pair. You have 2 cards of the same value in different suits such as the 2 of clubs and the 2 of hearts.\n- 2: Two Pairs. You have two pairs of cards of the same value in different suits such as a 2 of clubs and a 2 of hearts as well as a 3 of spades and a 3 of diamonds.\n- 3: Three of a Kind. You have 3 cards of the same value in different suits such as a 4 of clubs, 4 of spades, and 4 of diamonds.\n2Divide the hands with the straight. This hand falls in the middle of the poker hand rankings. A straight is 5 cards of consecutive values in any suit. For example, a straight might consist of a 2, 3, 4, 5 and 6 in any combination of suits or it might be a 10, jack, queen, king and ace of any combination of suits.\n3Memorize the order the highest-ranking poker hands by counting the number of letters in the name of the hand.\n- 5: Flush. This consists of 5 cards of any value the same suit such as a 2, 6, 7, 9 and jack of diamonds.\n- 9: Full House. This is a combination of one pair and three of a kind.\n- 11: Four of a Kind. This is 4 cards of the same value in all 4 suits such as a 9 of clubs, 9 of diamonds, 9 of spades and 9 of hearts.\n- 13: Straight Flush. This consists of 5 cards of consecutive values in a single suit such as a 2, 3, 4, 5 and 6 of diamonds.\n- 18: Royal Straight Flush. This is a straight flush with an ace as a high card such as a 10, jack, queen, king and ace of spades. This is an unbeatable hand.\nHand Evaluation Diagram\n- There are myriad types of poker games, and some have different rules for ranking hands. The most common of these are lowball games, when a player tries to get the lowest-ranking hand rather than the highest.", "label": "No"}
+{"text": "Thousands of baby lobsters have a new home near Shediac, thanks to an adoption program designed to sustain the species and the industry.\nThe lobsters were released into Shediac Bay over the weekend by Homarus Eco-Centre and community members who \"adopted\" them by making a donation to the non-profit organization.\nLobster larvae have less than a one per cent chance of growing to maturity in the wild, said Diego Ritchie, the program co-ordinator.\n\"They start off very small, almost like a mosquito. At that point they tend to swim more and just kind of go with the current, so they get almost entirely eaten,\" he said.\nBut their chance of survival increases significantly if they're released when they are older,once they have reached stage four of development, said Ritchie.\n\"They'll stick to the bottom and they're more aware of predators, so in doing that we see them sink right to the bottom where there's rocks. They can hide and it's close to 50 per cent that actually make it. So it's a huge impact.\"\nPeople who adopt a lobster get to name it and follow its evolution from the Homarus Eco-Centre hatchery to the sea. They also receive an adoption certificate.\nThe adoption program, which started 12 years ago in partnership with lobster fishermen and has now grown to include Shediac community members, has released more than 2.5 million lobsters along the Maritime coast to date.", "label": "No"}
+{"text": "Mobile phones are a huge part of everyday life in our modern world. No matter where you are, you are likely to see people using their cell phones for one thing or another. But there are dangerous and potentially fatal risks associated with cell phones. With that in mind, here are 9 ways your mobile phone can seriously harm you.\n1) Brain Cancer (Inconclusive, but maybe!)\nMobile phones generate electromagnetic fields, which may have severe medical consequences. There have been many studies examining the possible relationship between cell phone use and brain cancer, for example, and these studies have had mixed results. Part of the problem in determining exactly how dangerous cell phones are in terms of radiation is due to the fact that health issues may take many years to develop, and such frequent mobile phone use is a relatively recent phenomenon. However, it is known that electromagnetic fields can damage DNA, and such mutations may result in issues such as cancer. Since cell phone use tends to be centralized near the head, this may cause brain cancer, which is a terrible and potentially fatal outcome.", "label": "No"}
+{"text": "In 2018, America's space agency, in collaboration with the University of Maryland, is going to send a laser into the galaxies to assess the world's trees.\nIt won't be the first time NASA dabbles in lidar technology -- shooting lasers onto things and recording what comes back -- but it will be the first time the agency sends a laser specifically designed to measure the intricate structure of forests.\nThe goal of the mission, fittingly named GEDI, an acronym for Global Ecosystem Dynamics Investigation lidar, is to map forests trunk to canopy -- or, to put it another way, to measure the volume of the world's forests and visualize them in 3-D.\nBy combining data on how much carbon is stored in wood with GEDI measurements, researchers are hoping to compile a solid estimate of the carbon stored in forests for the first time.\n\"It will absolutely be a game changer,\" said Laura Duncanson, a postdoctoral fellow at NASA's Goddard Space Flight Center who works on the GEDI team. \"Lidar is the only technology that can penetrate the forest floor and estimate carbon.\"\nGlobally, forests are estimated to suck up between 10 and 14 percent of current gross emissions. The activities of the land-use sector, which includes forests but also agriculture and land-use changes, account for about 24 percent of global greenhouse gas emissions. Many researchers who tally emissions have conceded that the world has little chance of keeping warming below the agreed 2-degree-Celsius threshold without the carbon sequestration of forests.\nBut not all forests are created equal in their carbon-storing abilities. Furthermore, as forest-rich nations consider how to meet their climate goals set forth at the Paris climate talks late last year, understanding where and how carbon is being stored in their trees will become increasingly important.\nGEDI, many hope, will unlock the next frontier of forest and carbon mapping.\nTechnology spurs growth\nOver the last few years, the forest carbon monitoring and mapping world has expanded and relatively quickly, according to experts.\nThe rising popularity of the U.N.-backed deforestation program, Reducing Emissions from Deforestation and Forest Degradation in Developing Countries (REDD+) has boosted demand for baseline data and monitoring of the carbon stored in the world's forests. At the same time, computing power, the number of satellites and the cost of remote-sensing technology have improved rapidly.\n\"Technology has allowed us to go so much further,\" said Nancy Harris, research manager for the World Resources Institute's online, interactive forest data program, Global Forest Watch. \"Probably even less than 10 years ago, we were relying on FAO data reported every five years on forest biomass and area information.\"\nThose in the forest world have long worked on measuring forests and deforestation and estimating carbon. Famously, the Brazilian government, facing troubling rates of forest loss in the Amazon in the 1980s, announced a plan in the 1990s to begin monitoring deforestation, while the authorities cracked down on those clearing the forest.\nIn the early 2000s, the Brazilian government introduced multiple programs to detect deforestation, including DETER, a satellite-based monitoring system that can detect changes in forest cover on a monthly basis.\nThrough the use of monitoring technology, Brazil's government is credited with chopping rates of deforestation about 80 percent since 2004, although currently they are rising again.\nAnother tool that has long been used for visualizing forest data is Global Forest Watch. Founded in 1997, the goal of the platform, said Harris, is to demystify the data and put it into a format that decisionmakers can use. Last week, the platform announced the new GLAD (Global Land Analysis and Discovery) alert system, which detects tree cover loss in Peru, the Republic of Congo and Indonesian Borneo in less than one week.\n\"Global Forest Watch has made the data available to anyone with a laptop and Internet connection,\" said Frances Seymour, a senior fellow at the Washington, D.C.-based think tank Center for Global Development.\nBut the real turning point came two years ago.\nHow one scientist changed forest monitoring\nIn 2013, Matthew Hansen, a professor in the Department of Geographical Sciences at the University of Maryland, published a data set using images taken from the Landsat program, the longest-running satellite program in the United States, which has collected millions of images of the Earth's surface.\nHansen, who also works on the GEDI team, has been long interested in remote-sensing data and using it to map large-scale land changes, especially forests.\nPresented in the journal Science, the \"Hansen data\" was the first global forest data set that showed forest loss between 2000 and 2012 at a high resolution. Previous trends in forest change were measured using data from MODIS satellites, which have a resolution between 250 and 300 meters. Landsat 8, for example, the latest of the program to be put into space, takes images at a 30-meter spatial resolution.\nHansen and his team had been practicing on MODIS data and images from meteorological instruments. When they could afford it, they would use the finer-resolution images from Landsat satellites.\nAnd then, eight years ago, the Landsat archive was opened up to the public due to a change in policy by the Interior Department and U.S. Geological Survey.\n\"The Matt Hansen data set is kind of a paradigm shift in how we monitor forests,\" Harris said.\nSeymour added that through platforms like Global Forest Watch and with the publication of the Hansen data, now nearly all countries have access to data like Brazil did a decade ago.\n\"What they'll do now in developing national monitoring systems is adjust it for the particulars in their country,\" Seymour said. \"This data, as comprehensive and large-scale as it is, is going to make it a lot easier to set reference levels and measure forest change over time.\"\nHansen, for his part, sees the data slated to be collected from GEDI as the \"backbone\" to implementing any forest policy, whether that be mapping carbon, restoring degraded lands or protecting biodiversity.\nGEDI will spend at least two years on the International Space Station. Three lasers developed by NASA's Goddard Space Flight Center will spread across 14 paths and be able to collect data on the land between 50 degrees north latitude and 50 degrees south latitude, including nearly all the tropical and temperate forests on Earth.\n\"The degree to which we can manage forest resources globally, data from GEDI and other missions will be critical,\" Hansen said.\nTree huggers still needed\nAlthough the technology has grown by leaps and bounds, there is still a need for what NASA's Duncanson calls \"professional tree huggers.\"\nIn order for carbon measurements to be accurate, someone, at some point in time, will have had to walk into a forest and literally give a tree a hug. That serves as a measure of the diameter of the tree. Then, researchers estimate the height and record its species. At some point, scientists calibrate how much carbon is stored in a species. Those data are used to help calibrate measurements taken from satellites and lidar systems.\nBefore remote-sensing instruments, the use of field measurements was the only tool available to try and measure forest carbon.\nToday, though, by combining the two, scientists are getting much more accurate data. Still, there is a need for more field work.\n\"GEDI is the best new set of technology, but it's also critically important to get better estimates of field carbon,\" Duncanson said.\nIn addition, satellites do not do a good job of measuring carbon stored below ground, such as is found in Indonesia's peatlands, a problem scientists are working on.\nCurrently, research proposals are being accepted through a prize competition jointly run by the Indonesian government and the David and Lucile Packard Foundation, aimed at finding a more accurate and faster way of mapping the extent and depth of Indonesia's carbon-rich peatlands.\nSatellites also cannot tell what is causing a change in forest cover. Efforts are underway to map the land rights and boundaries of indigenous peoples through a platform called LandMark.\n\"There's a growing sense that just because we have this data that doesn't mean we should abandon hugging the trees,\" Seymour said, referring to field measurements. \"Forest change happens not just over the biophysical realities, but through social realities on the ground.\"\nAnd it's not just NASA that is interested in upping the forest mapping technology ante. The European Space Agency is expected to launch Biomass, a satellite dedicated to mapping tropical forests in 2020. Multiple agencies have missions using radar technology also scheduled to launch.\n\"For so long, we've been limited to this 2-D view of the world, so to map the canopy structure will be really cool,\" Harris said. \"That provides a great opportunity. If there's only one data set, you don't have to question what's right, but as you have more and more data, the key will be using that data in a way to allow insight.\"\nCorrection: An earlier version of this story incorrectly stated that NASA was responsible for making the Landsat archive public. NASA and USGS are longtime partners in the Landsat program, but USGS alone manages the data.\nWant to read more stories like this?\nE&E is the leading source for comprehensive, daily coverage of environmental and energy politics and policy.\nClick here to start a free trial to E&E -- the best way to track policy and markets.", "label": "No"}
+{"text": "Diploma in Human Anatomy and Physiology\nGreat advances have been made in the field of anatomy and physiology of the human body. Alison’s free online diploma course introduces you to the basic anatomy and physiology of important systems in the body such as the cardiovascular system, respiratory system, reproductive system, skeletal system, nervous system and others. For each system covered in the course, the anatomical features are outlined and the physiological functions are explained.\nAlison’s anatomy online course will be of great interest to students of anatomy, physiology, biomedical science and medicine, as well as any learner wanting to expand their knowledge and understanding of the human body.\nAfter studying this anatomy online course, you will be able to:\n– Describe the structure and functions of the blood and blood vessels;\n– Describe the structure and functions of the heart;\n– Describe the structure and function of the human digestive system;\n– Describe the structure and functions of the muscular system;\n– Understand how the nervous system controls the muscles;\n– Identify the key roles of the muscles;\n– Review the structure and function of the human nervous system;\n– Explain the role of the central, peripheral, and autonomic nervous system;\n– Explain the transmission of neural impulses;\n– Describe the structure and functions of the male and female reproductive systems;\n– Describe the development of an offspring during the intrauterine process;\n– Describe the structure and functions of the respiration system;\n– Understand the exchange and transportation of gases, and what the difference between respiration and breathing;\n– Describe the structure and functions of the sensory organs;\n– and describe the structure and functions of the human axial and appendicular skeleton.\nAll Alison courses are free to study. To successfully complete a course you must score 80% or higher in each course assessments. Upon successful completion of a course, you can choose to make your achievement formal by purchasing an official Alison Diploma or Certificate .\nHaving an official Alison document is a great way to celebrate and share your success. It is:\n- Ideal to include with CVs, job applications and portfolios\n- A way to show your ability to learn and achieve high results", "label": "No"}
+{"text": "What makes a successful learner?\nAt St. Ninian's we believe that when we learn or develop our knowledge or skills there are six stages to go through.\nBy focusing on, and perfecting, each stage we become better, more effective learners.\n(Click graphic for video overview)\nBeing prepared is essential if learning is going to be successful. Having the right equipment, completing any prior tasks, turning up in the right place at right time is important but so is ensuring you're looking after yourself with a healthy diet and lifestyle. Being prepared is about being in the right \"frame of mind\" and being in the right \"mood\" for learning.\nIf you understand why you are learning and how it fits in with prior and future learning, you are much more likely to be successful. Your brain loves to makes links and the more links it can make the more you are able to make sense of, remember and recall your learning.\nBeing engaged, motivated or curious about what you are doing super-charges your learning; this is because dopamine is released in your brain. Dopamine is responsible for the feeling of pleasure but, luckily, it is also a chemical that improves your memory.\nYour brain makes meaning by growing neural pathways. To ensure the pathway is secure we need to grapple with and revisit the learning over and over. A learner needs to spend time building these pathways, this is sometimes referred to as purposeful practice.\nDeveloping the ability to apply your learning in new situations and contexts deepens your understanding. Can you perform to your full potential during the match final? Can you answer the questions in an exam? Applying your knowledge and skills takes practice.\nIt is vital to reflect upon WHAT you have learned: Do you understand it? Can you recall it? Can you apply it? But is it equally important to reflect upon HOW you learned. By considering the approach used you can consciously continue with techniques that have worked, or adapt those learning behaviours that are not helpful.", "label": "No"}
+{"text": "MPI provides the user with reliable message transmission. A message sent is always received correctly, and the user does not need to check for transmission errors, time-outs, or other error conditions. In other words, MPI does not provide mechanisms for dealing with failures in the communication system. If the MPI implementation is built on an unreliable underlying mechanism, then it is the job of the implementor of the MPI subsystem to insulate the user from this unreliability, or to reflect unrecoverable errors as exceptions.\nOf course, errors can occur during MPI calls for a variety of reasons. A program error can error, program occur when an MPI routine is called with an incorrect argument (non-existing destination in a send operation, buffer too small in a receive operation, etc.) This type of error would occur in any implementation. In addition, a resource error may occur when a program error, resource exceeds the amount of available system resources (number of pending messages, system buffers, etc.). The occurrence of this type of error depends on the amount of available resources in the system and the resource allocation mechanism used; this may differ from system to system. A high-quality implementation will provide generous limits on the important resources so as to alleviate the portability problem this represents.\nAn MPI implementation cannot or may choose not to handle some errors that occur during MPI calls. These can include errors that generate exceptions or traps, such as floating point errors or access violations; errors that are too expensive to detect in normal execution mode; or ``catastrophic'' errors which may prevent MPI from returning control to the caller in a consistent state.\nAnother subtle issue arises because of the nature of asynchronous communications. MPI can only handle errors that can be attached to a specific MPI call. MPI calls (both blocking and nonblocking) may initiate operations that continue asynchronously after the call returned. Thus, the call may complete successfully, yet the operation may later cause an error. If there is a subsequent call that relates to the same operation (e.g., a wait or test call that completes a nonblocking call, or a receive that completes a communication initiated by a blocking send) then the error can be associated with this call. In some cases, the error may occur after all calls that relate to the operation have completed. (Consider the case of a blocking ready mode send operation, where the outgoing message is buffered, and it is subsequently found that no matching receive is posted.) Such errors will not be handled by MPI.\nThe set of errors in MPI calls that are handled by MPI is implementation-dependent. Each such error generates an MPI exception. exceptionMPI exception A good quality implementation will attempt to handle as many errors as possible as MPI exceptions. Errors that are not handled by MPI will be handled by the error handling mechanisms of the language run-time or the operating system. Typically, errors that are not handled by MPI will cause the parallel program to abort.\nThe occurrence of an MPI exception has two effects:\nSome MPI calls may cause more than one MPI exception (see Section ). In such a case, the MPI error handler will be invoked once for each exception, and multiple error codes will be returned.\nAfter an error is detected, the state of MPI is undefined. That is, the state of the computation after the error-handler executed does not necessarily allow the user to continue to use MPI. The purpose of these error handlers is to allow a user to issue user-defined error messages and to take actions unrelated to MPI (such as flushing I/O buffers) before a program exits. An MPI implementation is free to allow MPI to continue after an error but is not required to do so.", "label": "No"}
+{"text": "Pomp's Wall / Slave Wall\nOne of only two physical remnants of slavery in Medford, Pomp's Wall was built in 1765 for Thomas Brooks as a decorative element of the semi-circular entrance to his family estate by a slave named Pomp. Slavery was legal in Medford from its founding in 1630 until 1783, when the institution was outlawed in the state of Massachusetts (1).\nBackstory and Context\nThough generally associated with the South, slavery was, in fact, legal throughout the colonies which became the United States until 1783, when Massachusetts became the first state to outlaw the institution. However, Massachusetts had also been the first colony to formally legalize slavery in 1641 and was one of the three New England states with the highest slave population, along with Connecticut and Rhode Island. There had been both African and Native American slaves in New England from its first Puritan settlements, as well as indentured servants from Scotland and Ireland. The first African slaves were brought from Tortugas to Medford eight years after its founding, in 1638, by Captain William Pierce. By the mid-1700s, there were 49 slaves in Medford out of a total population of 1,000; in the area, only Cambridge and Boston had a higher proportion of African American slaves. Slaveholder families in Medford (mainly ministers, doctors, and wealthy merchants) generally owned two slaves, many of whom were bought or descended from people bought through the Triangle Trade (1; 2; 3). Compared to Southern slaveholders, New Englanders held fewer slaves; this was due not to anti-slavery sentiment, but to the differences in geographic and economic differences between the North and South, including the more diversified economy of New England. Northern slaves worked in a wide range of skilled and unskilled labor jobs, domestic work, and agricultural work. Some of the jobs performed by African American slaves included: carpenters, shipwrights, bookbinders, bakers, printers, tailors, brickmakers, chimney sweeps, doctors, ferrymen, grocers, sailmakers, tanners, watchmakers, and many others (2). Unfortunately, New England slaves, like their Southern counterparts, could be whipped for transgressions as small as being off their master's property (3).\nIsaac Royall owned more slaves than anyone else in Medford. Royall brought his 27 slaves with him from Antigua in 1737. Molasses from Antigua was brought to the colonies, where it was used to produce rum, one of Medford's main economic staples; this rum was then traded for slaves in Africa, who were then brought to the West Indies to work in the production of molasses or on to the Colonies to be sold. This series of exchanges was known as the Triangle Trade or Trans-Atlantic Slave Trade, from which Medford merchant Timothy Fitch, among others, made his living. African American poet Phillis Wheatley was brought to the colonies on one of Fitch's slave ships. There were some free African Americans in Medford, as well, who formed one of the oldest continuous African American communities in the United States. Most of these early freedmen and women had been enslaved for part of their lives, but had gained their freedom through contracts with their owners, or were emancipated for faithful service or through their owners' wills. Free Blacks in New England, legally and socially, occupied a position slightly above European indentured servants but certainly below white citizens (2).\nMedford's Slave Wall was built in 1765 by a slave named Pomp, who belonged to Thomas Brooks. Pomp's wall served as a decorative element to the 400-acre Brooks Estate's semi-circular entrance drive, and along with the Royall House Slave Quarters, is one of only two physical reminders of Medford's history of slavery. Though only a portion of the brick wall and one granite post remain, the wall is a testament to Pomp's skill as a mason and a reminder that prominent Medford families such as the Brooks benefited from slavery and from the talents of the people they held as slaves (1; 2).\nAfter Massachusetts outlawed slavery in 1783, one of the\nformer Royall slaves, Belinda, petitioned the Commonwealth for reparations.\nAssisted by African American abolitionist and founder of Black Freemasonry\nPrince Hall, Belinda eventually succeeded in obtaining back pension from the\nRoyalls. Prince Hall, a freedman born in Barbados in 1748, lived in Boston and\nthen Medford, where he joined the Continental Army and fought at the Battle of\nBunker Hill. He became an African Methodist Episcopal minister, preaching in\nCambridge, and petitioned for emancipation as early as 1777. In founding the\nAfrican Masonic Lodge, Hall also established the first Black institution in the\nUnited States (2). One of Medford's leading white abolitionists was George\nLuther Stearns, a linseed oil merchant and supporter of John Brown, who raided\nHarper's-Ferry, Virginia in 1859 in an attempt to free a number of slaves. Stearns'\nTudor-style mansion near present-day Tufts University's Cousens Gym was a stop\non the Underground Railroad, until Stearns was forced to flee to Canada after\nBrown's arrest. During the Civil War, Medford's Lawrence Light Guard served at\nBull Run, as part of the Provost Guard in Washington, and as part of the Army\nof the Potomac. Over the course of the war, 769 Medford men served in the Union\nArmy, and a number of Medford women contributed to the Sanitary Commission, the\nrelief agency for soldiers (3).", "label": "No"}
+{"text": "While explaining the problem of fake news, we often mention about effects of echo chambers, to which we confine ourselves on social media, and of filter bubbles created by algorithms on emergence and spread of these kinds of stories.\nThese structures that complicate access to true news stories or opposing views among the polarized media make us all trapped within our own vague realities. Tools which we use for searching suspicious stories on internet might be insufficient to reach to some false stories or misinformation.\nIn order to avoid the above-mentioned situation and find suspicious stories that spread in different echo chambers, we have been using social media accounts, website, firstname.lastname@example.org email address, and WhatsApp hotline since October 26, 2016. We ask internet users to share the stories they suspect through these channels.\nBor madenleri ile ilgili WhatsApp aracılığıyla dolaşan mesajın TMMOB tarafından gönderildiği iddiası doğru değil. https://t.co/sz6NklHQkO\n— teyit (@teyitorg) January 19, 2017\nThe allegation that the message about boron mines, which was shared through WhatsApp, was sent by TMMOB is not true.\nIf we publish any analysis on our website or share any content on social media about any suspicious story that has been shared by internet users, we send them feedback and inform about the truth.\nWe have seen that this kind of experience helped us to reach different echo chambers and find false stories spreading through such messaging apps as WhatsApp or Telegram and e-mail groups, which are called “dark social” since they cannot be measured and tracked. Since October 26, 2016, we have received 4,534 reports in total through all these channels. 2,098 individual suspicious contents have been reported. 62% of these reports were political news and with 2,621 reports, Twitter has been the most used channel.\nWe replied 3,666 of 4,534 reports as “Hello, thank you for your report. We’ve taken it under review.” 22.415 of the reports taken under review have been concluded as an analysis or social media content. We gave feedback about the results to users who reported the suspicious stories.\n77.59% of these reports did not turn into an analysis since there was no sufficient evidence and they were based on interpretation or did not meet our significance, urgency and prevalence criteria as a result of the review.\nThe circular that allegedly bans using the word “hayırlı” –in Turkish it is used for greetings and blessings and is very close to the Turkish word for “no,” “hayır”- was sent 27 times via WhatsApp.\nThe other 881 reports were replied as “Hello, thank you for your report. While verifying, our priorities are significance, urgency and prevalence. We added it into our archive.” 6% of the archived reports have turned into analysis and we gave feedback to the users reporting them.\nSo far we have met quite a lot times the question “How can I help you in your works?” 3 people out of teyit.org team regularly search media and social media during the day to detect suspicious stories. However, there are other 3,505 people who also helped us via social media by sending suspicious stories they come across on internet.\nAs it is seen above, reports are important for us to go beyond the echo chambers and detect what people talk in “dark social”. We will continue our efforts to get more stories from different chambers via hotline channels and to develop new tools in future.\nTranslation: Melek Güler", "label": "No"}
+{"text": "RIGHT? ANYONE CAN WRITE\nMany people think writing is easy. Until they take out their pen. Can you say that? That sounds strange, doesn’t it? Yes, it does. It does sound funny. You’d better rewrite the sentence. Or – you can let jut-so plan the sentence construction.\nOf course, sometimes our sentences also tumble listlessly onto the paper. Until the penny drops. A strong sentence. Precisely formulated. The words fit. It swings and sounds, the finish is not too stiff. The tumbling becomes a ripple, the ripple a flow, the flow a… wait a moment.\nThe devil is in the detail\nThe inner critic intervenes. Please proofread first! Can you put it like that? Is there more to it? This is how ideas, sentences, and words laboriously come together until they form something whole and round. Perhaps with a little edge here and there so that they don’t become dull.\nUltimately, the text stands there like a bulwark. Stable and well thought out down to the last corner. It works and resonates, it says what it is supposed to say. The reason why this is so important is that people need to understand you. Remember: text sells. And you can get the text from us.", "label": "No"}
+{"text": "It is easy to add an input language to your Windows 10. This allows you to set a language, install a language pack to Settings so that you can change the language you use for Windows 10, apps, or websites.\nThe process of including an input language helps you set a preferred language for websites/apps and also lets you change the keyboard language.\nIt can be helpful when you decide to learn a foreign language. Also, it is useful for pasting some special characters. You may find typing those special characters difficult, but now it is accessible through adding an input language to Windows 10.\nThe steps given below can let you add new input languages to Windows 10.\n- Go to – Windows Settings which can be done by clicking to the left side of your Start menu on the gear icon\n- Next, click – “Time & Language” and then towards left sidebar click – “Region & language.”\n- Below – “Languages,” click on – “Add a language.”\n- Now search for the language you prefer to add. Click on that language, and the system may ask you to choose a regional dialect. Then the system will divert you to this page – “Region & language.”\n- After you have carried out all the steps given above, you will see a new icon displayed beside date & time right at the screen bottom\n- Ideally, it will be displayed as – “ENG” for the English language, which is the existing language on the keyboard.\n- You have to click that icon to expand a window that lists the recently added languages. From the list, you can choose a language you want to set/change for the keyboard settings.\n- You can also hold down the key – Windows ⊞ and press – Space to change the languages faster.", "label": "No"}
+{"text": "Here’s everything you need to know about What Is 2 100 As A Decimal. Find all the information it in this article.\nIt is the extension to non-integer numbers of the Hindu–Arabic numeral system. The way of denoting numbers in the decimal system is also recognized as decimal notation. I want I had extra to tell you about converting a fraction right into a decimal but it actually is that straightforward and there is nothing extra to say about it. The equation obtained from Step 1, divide both sides by one hundred on the similar time to get the initial fraction form.\nA decimal quantity is a quantity that consists of an entire quantity and a fractional half. Decimals use a system of numbers based mostly on units of tens, which outcomes in the areas past the decimal level as tenths, hundredths, thousandths and so forth.\nInfinite Decimal Enlargement\n5 is found in Chinese, and in Vietnamese with a quantity of irregularities. Japanese, Korean, and Thai have imported the Chinese decimal system. Many other languages with a decimal system have particular words for the numbers between 10 and 20, and decades. For instance, in English eleven is “eleven” not “ten-one” or “one-teen”. While each effort is made to make sure the accuracy of the data offered on this web site, neither this web site nor its authors are answerable for any errors or omissions. Therefore, the contents of this web site are not suitable for any use involving danger to health, funds or property.\nA forerunner of modern European decimal notation was launched by Simon Stevin in the sixteenth century. Since the numerator 2 of the given fraction is smaller than the denominator a hundred. The simplest way to read decimals is to easily learn the digits one after the other. For instance, 9.2 will be learn as “nine point 2,” 3.8 would be “three level eight,” and so forth. As our numbering system is predicated on powers of 10 it’s known as decimal.\nWhat Is A Terminating Decimal Less Than 1?\nLet’s say you’re cooking and you’ll often see fractionally how much of an ingredient is left in a pack. However, electronic scales measure weight in decimals and never as a fraction of the ingredient left. This makes changing between fractions and decimals a useful skill in cooking. To convert any share worth to decimal use the next method. Now, we have discovered that the greatest widespread divisor of 242 and a hundred is 2.\nNow, we introduce the tactic used to unravel said fraction to decimal conversion, called Long Division which we’ll discuss intimately shifting ahead. So, let’s go through the Solution of fraction 2/100. Here’s a little real life example of changing a fraction to a decimal when utilizing quantities.\nOne Hundred Lengthy Division Method\nSince that is still smaller than100, we multiply it again with10to get200and add a 0 after the decimal to the quotient. In a decimal quantity, the decimal level separates the whole number from the fractional part of the decimal quantity.\nFor instance, if someone wrote 2/100 as a decimal, they might divide 2 by one hundred after which add .01 to get 102.For extra info on decimals, please visit our Decimal guide. To specific a decimal in words we divide it by one hundred and put the word “percent” after it. So for example 1/10 could be written as “one percent”, 3/100 can be written as “three p.c”, and so on. Here, we are interested more within the kinds of division that leads to a Decimal value, as this may be expressed as a Fraction. We see fractions as a means of exhibiting two numbers having the operation of Division between them that end in a worth that lies between two Integers.\nThe Way To Calculate 2/100 As A Decimal?\nHowever, counting rod fractions had been positional. An infinite decimal represents a rational quantity, the quotient of two integers, if and only if it’s a repeating decimal or has a finite variety of non-zero digits. When we divide two numbers from each other, their resulting values may be represented in two types which would possibly be either fractional or decimal form.\nTherefore, the numerator and denominator of the preliminary fraction are divided by 2 to get the ultimate simplified fraction. Both laptop hardware and software also use internal representations that are effectively decimal for storing decimal values and doing arithmetic. The numerator 2 of fraction 2/100 can also be expressed as 2.00. Being a hundred because the denominator, transfer the decimal point 2 decimal places from right to left within the numerator to write down the fraction as decimal number. 2/100 as a decimal enlargement supplies the detailed details about what is 2/100 in decimal type, and the answer with steps assist college students to easily perceive how it’s being calculated. First, we convert the fraction components i.e., the numerator and the denominator, and rework them into the division constituents i.e., the Dividend and the Divisor respectively.\nThe Way To Convert 20/100 To Decimal Form?\nYou can convert 2% to decimal by simply placing the enter worth within the tool and hit the calculate button. 2.forty two contains 2 decimal places, so it can be converted to an integer by multiplying by 100. So did some small communities in India and Nepal, as indicated by their languages. Many languages use quinary (base-5) number techniques, together with Gumatj, Nunggubuyu, Kuurn Kopan Noot and Saraveca. Of these, Gumatj is the one true 5–25 language recognized, in which 25 is the higher group of 5. Incan languages similar to Quechua and Aymara have an almost straightforward decimal system, by which 11 is expressed as ten with one and 23 as two-ten with three.\nA method of expressing each possible natural number utilizing a set of ten symbols emerged in India. Several Indian languages present a straightforward decimal system.\nWhat Decimal Is Equal To 2 100?\nWell, to begin with it’s just a good way to characterize a fraction in a greater way that allows you to do widespread arithmetic with them . Here are some samples of Convert Percent to Decimal calculations. Simplify the fraction and complete the conversion.\nPercent To Decimal Calculator\nTo change 2/100 to a decimal, divide it by 100 and add the outcome to 1 (e.g., zero.02 becomes 2). Now, we start solving for our dividend 2, which after getting multiplied by 10 becomes 20.\nThe trailing decimal place to repeat is thirteen and its length is 2. So, enter 0.513 into the first input box and enter 2 into the second input field. Many or the entire Chumashan languages originally used a base-4 counting system, during which the names for numbers were structured in accordance with multiples of 4 and sixteen.\nThe Jewish mathematician Immanuel Bonfils used decimal fractions round 1350, anticipating Simon Stevin, however did not develop any notation to represent them. The Persian mathematician Jamshīd al-Kāshī claimed to have found decimal fractions himself in the 15th century. This form of fraction with numerator on top and denominator at backside and not utilizing a horizontal bar was additionally used by al-Uqlidisi and by al-Kāshī in his work “Arithmetic Key”. This quantity can be used in calculations to symbolize small fractions or percentages. For example, if you would like to divide 10 by 2, you would use the 2/100 as a decimal notation and get 4. Comparing these two methods, each methods can calculate the fraction of two.forty two, however the second formulation method is comparatively simple and may get the preliminary type of the fraction in a single step.\nHow To Convert 2 99/100 To A Recurring Or Terminating Decimal\nMany Indo-Aryan and Dravidian languages have numbers between 10 and 20 expressed in a daily sample of addition to 10. Many historic cultures calculated with numerals primarily based on ten, sometimes argued because of human hands typically having ten fingers/digits. Standardized weights used in the Indus Valley civilization (c. To two decimals”. Zero-digits after a decimal separator serve the aim of signifying the precision of a value. To write two hundredths as a decimal, you’ll divide the quantity by 100 after which add the zero.01 to the result.", "label": "No"}
+{"text": "The health of the Great Barrier Reef (GBR) is a topical issue which has received considerable public and government attention. Because the Reef is vast, as large as a mid-size country, there is considerable variation in the condition of different reefs that make up the entire system.\nSome reefs have been severely affected by coral bleaching, cyclones and crown of thorns starfish, while others remain less affected. Contradictory perspectives presented in the public domain combined with people’s varying personal experiences of different parts of the reef contribute to public confusion about the overall health of the GBR.\nAIMS, with its long-term and broad-scale scientific understanding of the Reef built over 35 years, joined forces with the Great Barrier Reef Marine Park Authority and CSIRO to produce the first annual Reef Snapshot which was released following the summer of 2019-20.\nThis collaboration between the three Australian Government agencies with comprehensive expertise in reef science and management provides a clear, evidence-based explanation of the status of the Reef. The Snapshot describes the condition of the Reef following the summer, what the agencies are doing to monitor and protect it, and practical ways the public can help the Reef. It is the first time the three Commonwealth agencies involved in the reef have come together to provide a single source of information on the health of the GBR.\nDrawing from current reports and studies, the publication includes evidence-based assessments of the health of corals along the length and breadth of the Great Barrier Reef. It also communicates the vastness, complexity and changing nature of the reef, while at the same time acknowledging differences in the health of the 3000 individual reefs that make up the Great Barrier Reef. By providing a clear and coherent voice across the three agencies in the format of a concise, accurate, easy-to-understand summary, the Reef Snapshot can help the non-scientist understand better the status of the Reef.\nThe Reef Snapshot explains the pressures affecting the reef, including cyclones, crown-of-thorns starfish and coral bleaching, in terms of disturbance, decline and recovery. These disturbances are occurring more often, are longer-lasting and more severe than in previous decades, leaving the reef with less time to recover.\nWith a focus on the status of reefs in different regions, the Reef Snapshot also highlights the importance of rigorous monitoring, management and scientific research investigating coral resilience and adaptation in order to protect the Reef for future generations.\nThe Reef Snapshot also describes the results of initial surveys of the third mass coral bleaching event in five years following the second warmest summer on record in Queensland. It sets the scene for more detailed reports later in 2020, including AIMS’ Annual Summary Report on Coral Reef Condition to be released mid-year, based on surveys conducted by AIMS’ Long-term Monitoring Program (LTMP).\nAIMS’ LTMP has been surveying the GBR for more than 35 years, providing the most comprehensive record of coral condition of a reef ecosystem available in the world. Ninety-three reefs are routinely monitored as part of the LTMP, to determine long-term trends in the condition of coral communities. An additional 32 inshore reefs are monitored as part of the Reef 2050 Plan Marine Monitoring Program managed by the Great Barrier Reef Marine Park Authority.\nThis expertise and experience gives AIMS its reputation as a world-leading, independent provider of science on the Great Barrier Reef and supports its goal of providing government and industry with timely, accurate and relevant information to manage and operate in Australia’s marine estate.", "label": "No"}
+{"text": "Computer cannot start if no proper boot device exists, or if the active boot device fails.\nIt is possible to open a command prompt during the GUI part of the Windows install.\nWindows NT will fail to boot if it cannot find the files used to load the boot manager.\nWhen deleting a partition then only the boot sector is modified, so by restoring the boot sector, then one will restore the partition.\nChanging printer drivers in Windows NT can cause problems, and can require that the old drivers are remove manually first.\nThe Last Known Good Configuration makes it possible to rollback to the previous good state of the system registry hive.\nDescription of where and in what order programs are loaded at startup.\nHow to use the registry editor to configure the state of the Windows services.\nDescription of how Windows services are hosted within the same process.\nDescription of the different situations where Windows NT can fail to boot because it no longer can find the boot device.\nHow to manually uninstall an application and remove it from the Add/Remove list.\nThe registry editor is capable of editing an offline registry hive.\nDescription of the different issues that can arise when converting from FAT16 and FAT32 partitions to NTFS.\nDescription of different alternative ways for recovering from a bad BIOS flash.\nSteps for fixing a computer which cannot perform BIOS POST.\nSteps for finding what hardware devices that is causing problems.\nDual booting several versions of Windows can be useful if running software which is locked to certain version of Windows.\nWindows NT will perform a chkdsk at boot time after an improper shutdown.\nPossible steps for repairing Windows Update\nTroubleshooting what is causing Windows not to install properly.\nHolding down the SHIFT key during Windows startup will stop applications from loading.\nHow to configure the priority and logging level of the Printer Spooler service.\nWindows NT4 supports by default not plug and play devices, but Microsoft have created an unsupported driver.\nDeleting the password storage files to reset the Administrator password to recover system access.\nChange when an application is considered as deadlocked and should be terminated.\nBoot.ini is used by the Boot Manager to determine the installed operating systems and what startup settings to use.\nConfigure the path to the location of the install files whether on CD-ROM or HDD.", "label": "No"}
+{"text": "Date of Award:\nMaster of Science (MS)\nEllis W. Lamborn\nMeat is important in the American diet. Money spent for meat ranks as the largest single item in the family food dollar. Various studies indicate that the proportion of the food dollar spent for meat ranges from 25 to 30 percent. Such foods as dairy products and fresh and frozen fruits and vegetables calculated as separate groups account for a smaller single percentage than meat. Dairy products, the one of next importance to meat, account for approximately 18 percent of the consumer's food dollar.\nEvans, William Duane, \"Factors Influencing Meat Consumption in the Home, Cache and Box Elder Counties, Utah, 1965-1966\" (1967). All Graduate Theses and Dissertations. 2972.\nCopyright for this work is retained by the student. If you have any questions regarding the inclusion of this work in the Digital Commons, please email us at .", "label": "No"}
+{"text": "Did you know that when a muscle is inactive, the blood goes around it instead of through it? Just another reason to get moving!\nSome of these same good bacterial species are used to ferment milk, and it’s these cultures that give yogurt its texture and tart flavor. They also process much of the milk sugar, called lactose, during fermentation, which is why yogurt usually doesn’t bother people with lactose intolerance.\nEating yogurt helps maintain the microflora in the gut, optimizing digestion and keeping harmful bacteria in check. Ever noticed how a course of antibiotics is often followed by a bout of diarrhea? This is because antibiotics kill off all the bacteria in the gut–the bad stuff and the good–leaving the gastrointestinal tract compromised. Fortunately, yogurt can help counteract this imbalance.\nFurthermore, this food is a good source of nutrients, including B vitamins, calcium, magnesium, and phosphorus. Whole milk yogurt also contains conjugated linoleic acid (CLA), an essential fatty acid with cancer fighting properties, especially beneficial in preventing breast and colon cancers. And CLA has been shown to increase fat metabolism, helping the body convert fat to lean muscle.", "label": "No"}
+{"text": "\"Let justice roll down like waters , and righteousness as an everflowing stream.\" Amos 5:24\nThis Bible verse was used by Dr. Martin Luther King, Jr. during the days immediately before his death as he was marching in the streets with the sanitation workers of Memphis, TN. He was making the connection between systemic injustices that resulted in physical harm and undue burden on the sanitation workers. As Dr. King said,\n“We are caught in an inescapable network of mutuality, tied in a single garment of destiny. Whatever affects one directly, affects all indirectly.”\nIt’s striking the similar cord struck by John Muir when he stated,\n“When we try to pick out anything by itself, we find it hitched to everything else in the Universe.”\nAt its foundation, protecting our environment is a moral quest seeking justice not only for the natural world, but also ourselves and future generations due to our intricate ties to each other and the natural world. Often, it is the most vulnerable and politically disadvantaged communities that bear the brunt of negative environmental impacts from pollution. This environmental injustice and environmental racism is unfair and immoral. It typically manifests in three primary forms:\n- Environmental burdens are greater in a specific geographical area that is comprised primarily of people of a specific race or income level.\n- Specific groups of people are intentionally left out of decision-making regarding environmental issues in their own communities.\n- Lack of enforcement or proper oversight in specific areas renders meaningless the regulations meant to protect members of the community.\nBeyond the environmental injustices we witness borne by the impoverished and communities of color, poor stewardship of the environment also represents an immense injustice to the most voiceless of populations: the unborn generations that will follow in our footsteps here on Earth.\nA task force of community and environmental advocates seeks to raise awareness among state policy-makers about cases of environmental injustice and environmental racism in Maryland in hopes of addressing these issues through legislative action. Read more about this task force here. The task force developed two fact sheets to provide more information about environmental injustice in Maryland:\nCommunities of faith bring a moral voice that upholds life in all its forms, and demands that a healthy environment, safe water, clean air, and properly enforced regulations are equally ensured for all, regardless of race, income level, educational level, etc. Pope Francis also touched on this in his encyclical, Laudato Si':\n\"We are not faced with two separate crises, one environmental and the other social, but rather one complex crisis which is both social and environmental. Strategies for a solution demand an integrated approach to combating poverty, restoring dignity to the underprivileged, and at the same time protecting nature.\" (139)\nThe following 2017 bills are considered to be Environmental Justice bills because they address an issue that disproportionately impact a particular group of people who are more susceptible or more vulnerable to the degradation.\n- Stay tuned! We will update this section as the state legislative sessions takes shape.", "label": "No"}
+{"text": "Arctic sea ice reached its annual maximum extent on March 18, after reaching an initial peak early in the month and declining briefly. Ice extent for the month as a whole was higher than in recent years, but still below average.\nAs the melt season begins, researchers look at a variety of factors that may contribute to summer ice melt. While the maximum extent occurred slightly later than average, the new ice growth is very thin and likely to melt quickly. Ice age data indicate that despite the higher extent compared to recent years, the winter sea ice continues to be dominated by younger and thinner sea ice.\nFigure 1. Arctic sea ice extent for March 2012 was 15. 21 million square kilometers (5.87 million square miles). The magenta line shows the 1979 to 2000 median extent for that month. The black cross indicates the geographic North Pole. Sea Ice Index data. About the data\nCredit: National Snow and Ice Data Center\nOverview of Conditions\nArctic sea ice extent in March 2012 averaged 15.21 million square kilometers (5.87 million square miles). Ice extent this March ranked ninth lowest out of the 34 years of satellite data for the month, but it was the highest March average ice extent since 2008 and one of the higher March extents in the past decade. Ice extent was 530,000 kilometers (205,000 square miles) below the 1979 to 2000 average extent, and 780,000 square kilometers (301,000 square miles) above the record low for the month, which happened in 2006.\nIce cover remained extensive in the Bering Sea, where it has been above average all winter. Ice extent was also higher than average in Baffin Bay, between Greenland and Canada, and the Sea of Okhotsk, east of Russia. These conditions stemmed from a combination of wind patterns and low temperatures. Air temperatures were 6 to 8 degrees Celsius (11 to 14 degrees Fahrenheit) below average over the Bering Sea, Baffin Bay, and parts of the Sea of Okhotsk, at the 925 millibar level (about 3,000 feet above sea level). View a map of Arctic regions.\nIn the Kara Sea, where ice extent had been below average during January and February, ice extent rebounded to near-average levels in March. Winds that had been pushing the ice cover back shifted, allowing areas of open water in the Kara Sea to freeze over and the ice to spread out. Ice extent in the Barents Sea remained well below normal. In both the Barents and Kara seas, temperatures remained above normal by 4 to 6 degrees Celsius (7 to 11 degrees Fahrenheit).\nFigure 2. The graph above shows daily Arctic sea ice extent as of April 2, 2012, along with the ice extents for the previous four years. The current year is shown in light blue, 2010-11 is in pink, 2009-10 in dark blue, 2008-09 is in purple, and 2006-2007, the year with the record low minimum, is dashed green. The gray area around the average line shows the two standard deviation range of the data.Sea Ice Index data.\nCredit: National Snow and Ice Data Center\nConditions in context\nOverall, the Arctic gained 140,000 square kilometers (54,000 square miles) of ice during March. Typically, March has been a month of net ice loss (an average of 260,000 square kilometers [100,000 square miles] for 1979 to 2000), but the last three Marches have had net ice growth. At its maximum extent on March 18, Arctic sea ice extent was within two standard deviations of the average, a measure that scientists look at as an estimate of the natural range of variability for the data.\nOver the past thirty years of satellite data, the day of the maximum has varied by over six weeks, occurring as early as mid-February and as late as the end of March. However, even with so much variability, there is a small trend towards later maximum ice extents. This year’s maximum ice extent continued that trend, occurring 12 days later than average.\nIt is not clear why the maximum ice extent would happen later, given that in general, ice extent is decreasing. One possibility is that the lower winter ice extents might make it easier for ice to continue growing later in the season. With lower winter extents, a late cold snap or northerly wind could spread ice southward over ocean that would normally be ice-covered at that point. Researchers do not expect the late maximum ice extent to strongly influence summer melt. The ice that grew late this winter is quite thin, and will melt rapidly as the sun rises higher in the sky and the air and water get warmer.\nFigure 3. Monthly March ice extent for 1979 to 2012 shows a decline of 2.6% per decade.\nCredit: National Snow and Ice Data Center\nMarch 2012 compared to past years\nArctic sea ice extent for March 2012 was the 9th lowest in the satellite record, but the highest since 2008 and one of the highest March extents in the past decade. Including the year 2012, the linear rate of decline for March ice extent over the satellite record is 2.6% per decade.\nFigure 4. This image, from the NASA Moderate Resolution Imaging Spectroradiometer (MODIS), shows extensive sea ice cover in the Bering Sea on March 18, 2012. For more details and a full-resolution image, visit the NASA Earth Observatory Web site.\nCredit:NASA image by Rob Simmon based on data from Jeff Schmaltz, NASA GSFC.\nHigh ice extent in the Bering Sea\nIn the Bering Sea, off Alaska, ice extent reached a record high for the month of March. Persistent winds pushed the sea ice southward and froze more seawater into ice.\nAs winds from the north pushed Arctic ice southward through the Bering Strait, the ice locked together and formed a structurally continuous band known as an ice arch, which acts a bit like a keystone arch in a building. The ice arch temporarily held back the ice behind it, but as the winds continued, the arch failed along its southern edge, and ice cascaded south through the strait into the Bering Sea. Sea ice also piled up on the northern coast of St. Lawrence Island, streaming southward on either side of it.\nFigure 5. Ice age data show that first-year ice made up 75% of the Arctic sea ice cover this March. Thicker multiyear ice used to make up around a quarter of the Arctic sea ice cover. Now it constitutes only 2%.\nCredit: NSIDC courtesy J. Maslanik and M. Tschudi, University of Colorado\nIce age data shows thin ice cover\nOne key predictor for summer ice melt is the amount of old, thick ice in the Arctic at the end of the winter. Some ice thickness data are available from satellites, but these records are short and discontinuous. Data from the NASA ICESat satellite covers only 2003 to 2009, and the new European Space Agency CryoSat satellite began collecting data in 2011. So researchers look at ice age data as one indicator of Arctic sea ice thickness. Older ice that has survived multiple melt seasons tends to be thicker than newly formed ice.\nIce age data this year show that the ice cover remains much thinner than it was in the past, with a high proportion of first-year ice, which is thin and vulnerable to summer melt. After the record low minimum of 2007 the Arctic lost a significant amount of older, thicker ice, both from melting and from movement of ice out of the Arctic the following winter. In the last few years, the melt and export of old ice was less extreme than in 2007 and 2008, and multiyear ice started to regrow, with second and third-year ice increasing over the last three years.\nAfter the near-record melt last summer, second-year ice declined again, but some of the ice that had survived the previous few summers made it through another year, increasing the proportion of third- and fourth-year ice. However the oldest, thickest ice, more than four years old, continued to decline. Ice older than four years used to make up about a quarter of the winter sea ice cover, but now constitutes only 2%. First-year ice (0 to 1 years old) this year makes up 75% of the total ice cover, the third highest at this time of year in the satellite record. In 2008 the proportion of first-year ice was 79%, and in 2009 it was 76%.\nFigure 6. The top image shows a decline in upper-atmosphere winds (solid line) over the last 30 years that mirrors the decline in sea ice over the same time period (dashed line). The bottom image shows the expected change in trajectory of the jet stream (dotted line) compared to the current jet stream trajectory (solid line).\nCredit: Jennifer Francis, Rutgers University\nRapid Arctic warming and mid-latitude weather\nThe Arctic has warmed about twice as fast as the rest of the Northern Hemisphere in recent decades. Summer Arctic sea ice has declined by 40%, and snow is melting earlier in spring on the surrounding land. This dramatic change in the climate system is expected to affect weather patterns well beyond the confines of the Arctic—but researchers are working to understand exactly how those changes are affecting other regions.\nNew research by Jennifer Francis of Rutgers University and Steve Vavrus of the University of Wisconsin suggests that warming in the Arctic is causing weather patterns in mid-latitudes to become more persistent. This persistence can lead to conditions like heat waves, cold spells, drought, flooding, and heavy snows. The researchers found that as temperatures in the Arctic warm and become closer to temperatures in lower latitudes, the waves of the jet stream tend to spread out, and west-to-east winds slow down in the upper level of the atmosphere (where storm tracks form). Both of these effects tend to slow the progression of weather patterns, which means that a weather pattern, whether hot or cold, is more likely to stick around.\nFrancis, J.A. and S.J. Vavrus. 2012. Evidence linking Arctic amplification to extreme weather in mid-latitudes. Geophysical Research Letters, 39, L06801, doi:10.1029/2012GL051000.\nFrancis, J.A. 2012. Linking weird weather to rapid warming of the Arctic. Yale Environment 360, http://e360.yale.edu/feature/linking_weird_weather_to_rapid_warming_of_the_arctic/2501/\nKwok, R., T. Pederson, P. Gudmandsen, S. Pang. 2010. Large sea ice outflow in the Nares Strait in 2007. Geophysical Research Letters, 37, L03502, doi:10.1029/2009GL041872.\nSodhi, D. S. 1977. Ice arching and the drift of pack ice through restricted channels, Rep. 77‐18, Cold Reg. Res. and Eng. Lab., Hanover, N. H.", "label": "No"}
+{"text": "Websites We Like!\nHere are some websites that we find helpful.\nLearning and Attention:\nLearning Disabilities Association of America ldaamerica.org\nThe International Dyslexia Association https://dyslexiaida.org/\nNational Center for Learning Disabilities http://www.ncld.org/\nChildren and Adults with Attention-Deficit/Hyperactivity Disorder http://www.chadd.org/\nLiterate Nation http://literatenation.org/\nThe Reading League http://www.thereadingleague.com/\nChildren of the Code http://www.childrenofthecode.org/\nEye to Eye http://eyetoeyenational.org\nAutism and ASD:\nCDC Links: http://www.cdc.gov/ncbddd/autism/links.html\nAutism Spectrum Disorders/Asperger Syndrome:\nTeaching Tips for Children and Adults with Autism: HTTPS://WWW.IIDC.INDIANA.EDU/?PAGEID=601", "label": "No"}
+{"text": "This is a classical survey on the growth of the Christian Church and propagation of Christianity in Asia Africa, Europe, Americas & Australasia; from A.D. 1 to A.D. 1878, encapsulated in 4 volumes. Although the survey is comparatively brief vis-a-vis the then existing Manuals on the subject, yet it provides the unique and in-depth exhibition of the basic foundation of ecclesiastical studies. This all-time classic is a product of Author’s broad & impartial investigation, extensive learning, immense & painstaking research; so as to dig out reliable information to cover each and every aspect of History of this genre. This exceptionally crafted work incorporates Religious Movements, Sects, Theological Science, Spiritual Life & Propagation, Beliefs, Charitable Societies; Political, Civilizational, Social & Cultural Events; Poetry, Scriptures, Art & Archaeology; Regional Studies; Biographies of Remarkable Men, etc., to provide a better view of this intriguing and panoramic History of the Church. The Author provides a handy tool for readers’ better understanding by giving quotations, references, footnotes, chronological tables, ecclesiastico-geographical maps, and a comprehensive list of the sources of information.\nAs a translation of the original German work, the translators have taken special care to remove any ambiguity by frequently departing from the exact terminology of the original language and giving importance to Author’s ideas and intentions. While doing the same no passages of the original have been either altered or omitted, rather with additions, corrections, and amplifications the translators have put in every effort to make it an easy-to-read guide with intellectual substance.\nThis companion to the Church History exhibits Scientific & Historical Introductions to Christianity; explores influence of the Catholic and Protestant Missions that were carried out in various parts of the world aimed to convert the inhabitants to Christianity, and civilizing them. It also spells out the relationship between Catholics and Protestants. Lastly, it briefly gives an account of the events occurring from the Peace of Westphalia down to the then Modern Times.\nThis peerless presentation also includes General Index, Additions & Corrections, and Folded Maps (Coloured). The work is addressed as a textbook for Seminaries & Theological Colleges/Universities and for the departments of Theological/Religious Studies at the Universities, worldwide, for teachers and students alike; also a must read for Historians, Jurists, Statesmen, Artists, Philosophers, Christian Laity, Church Clergies, and Researchers.", "label": "No"}
+{"text": "What vaccines do dogs need?\nWhy do dogs need vaccinations?\nJust like humans, regular vaccinations against common diseases are important to help your dog build their immune systems and keep them healthy.\nDog vaccinations work by giving your pet a small sample of the disease, encouraging them to create antibodies. Once your dog has the antibodies, they’ll be better prepared to fight off the disease if they come across it again.\nDo dogs need annual vaccinations?\nA puppy’s initial set of vaccinations comes in three stages: the first at eight weeks, the second at 12 weeks and a third at 16 weeks. Make sure you keep all the details of your pup’s vaccination history.\nAfter their initial set of vaccinations, dogs will need annual booster injections to ‘top up’ their immunity and protect them against harmful diseases.\nCommon dog vaccinations include:\n- Canine parvovirus (parvo)\n- Canine infectious hepatitis\n- Kennel cough (parainfluenza)\n- Rabies (if you plan to take your dog abroad)\nHow much do annual dog vaccinations cost?\nDog vaccinations are not usually covered by pet insurance. This means you’ll have to pay for annual dog injections yourself. The cost of dog vaccinations and dog booster injections can vary from vet to vet, however the cost is usually far less than the cost of treatments for the diseases they prevent.\nYou could also ask your vet to recommend pet health club plans and subscriptions that cover the cost of annual vaccinations and other treatments not covered by your insurance, instead of paying as you go.\nSome pet insurance policies will require your dog to have certain vaccinations to be covered fully. Make sure to check the terms of your pet insurance policy carefully so you know what injections your pet needs.\nDoes my dog need vaccinations before being neutered?\nMost veterinary clinics will ask that your dog is fully vaccinated against all common diseases at least three-four weeks before they get neutered. This is to help protect them against infections after surgery.\nBe sure to ask your vet about which dog vaccinations they recommend before booking your pup in to be neutered.\nAre there any side effects to dog vaccinations?\nJust as you might get a few side effects from a human vaccination jab, your dog may feel a little under the weather for a few days after their own vaccine or booster injection. This isn’t usually anything to worry about, however if symptoms persist beyond a few days, or they are showing signs of an allergic reaction, take your dog back to the vet for a check-up.\nSome common side effects to dog vaccinations include:\n- Low energy (sleeping more)\n- Lack of appetite\n- Sneezing and cold-like symptoms\n- Fever (high temperature)\n- Slight swelling where they had the injection\nLess common dog vaccination side effects might include:\n- Itchy or inflamed skin\nRare side effects of dog vaccinations include:\n- Difficulty breathing\n- Cold extremities (ears, legs and feet)\n- Rapid or pounding heartbeat\nIf you think your pet might be having an allergic reaction, take them to the vet immediately.\nDog and puppy insurance can help you give your dog the best possible care. Find out more about pet cover options and get a free quote today.\nWhen you select ‘get a free quote’ you will be directed to the website of Royal & Sun Alliance Insurance Ltd (RSA). We only promote M&S Pet Insurance exclusively from Royal & Sun Alliance Insurance Ltd (RSA). We will introduce you to RSA who arrange, administer, and underwrite M&S Pet Insurance.\nVaccinations are not covered by M&S Pet Insurance. To learn more about what is and is not covered by M&S Pet Insurance read the policy wording for full details.\nPublished February 2023", "label": "No"}
+{"text": "A Listeria outreak in apples has killed seven people and hospitalized 31, according the Centers for Disease Control and Prevention, which has trace the outbreak to Bidart Bros. apple-packing plant in California.\nWhile apples are the second most popular fruit in America, according the Agricultural Marketing Resource Center, outbreaks linked to apples are rare, due to the natural hard surface of the fruit, which, prevents bacteria from entering the fruit, says Doug Powell, PhD, a former professor of food safety in the U.S. and Canada who publishes barfblog.com.\nIn a Yahoo! Health article, Amy Rushlow quotes Prof. Powell: “Fresh fruits and vegetables are probably the biggest source of foodborne illness today in North America, and that’s because they’re fresh — we don’t cook them — so anything that comes into contact has the potential to contaminate.” Powell especially sounds caution about the following five fruits and vegetables, which have been linked to a significant number of foodborne illness outbreaks over the past years:\n1. Sprouts: A 2011 outbreak in Germany killed more than 50 people and sickened more than 4,000. In late 2014, more than 100 Americans became ill after eating sprouts tainted with E. coli. Sprouts are particularly prone to bacteria because they germinate in a high-temperature, high-moisture environment — the same environment where germs thrive. The CDC recommends that pregnant women, children, older adults, and people with weak immune systems avoid eating raw sprouts. Cooking sprouts destroys harmful bacteria.\n2. Cantaloupe: Cantaloupes’ porous rinds allow bacteria to enter the fruit. In addition, the fields where cantaloupes are grown are often flooded, resulting in the fruits sitting in water that may have come downstream from a livestock operation.”\n3. Leafy greens: Bacteria becomes trapped on the inner leaves as the head is forming, and leafy greens are difficult to wash effectively. Over the past several years in the U.S., bags of romaine lettuce, prepackaged salad mix, spinach, and spring mix have all been linked to E. coli outbreaks.\n4. Tomatoes: There are several ways for germs to enter the fruit of the tomato, including via groundwater or through the water tomatoes are plunged into to give them a little shine.\n5. Garnishes, such as green onions, cilantro, and parsley: Green onions and other herbs and vegetables used as garnishes are at high risk for outbreaks because we typically don’t cook them.\nHowever, Powell advises that while there is no one measure that will keep you completely safe, a few small steps can add up such as rinsing fresh produce, and cooking then when you can.\nSource: Yahoo! Health", "label": "No"}
+{"text": "See more: An illustrated version of this article will be published within the next two weeks on our CultureLab books and arts blog\nIn Mathematical Excursions to the World’s Great Buildings, Alexander J. Hahn puts historical landmarks to the test of algebra\nIN THE 14th century, every decent European city needed a Gothic cathedral, and Milan was no exception. Several years after construction began, however, the masons noticed that the foundations of the church were unsound. They called in a German master builder who reviewed their plans and told them what the problem was – that the proportions of their Duomo were based on the triangle rather than the square, as convention dictated. He was correct, but not for the reasons he thought.\nAs Alexander J. Hahn explains in Mathematical Excursions to the World’s Great Buildings, “the Gothic concept of structure relied on geometric and numerical relationships and not on the considerations of loads, thrusts, and stresses”. Theologians thought of God as a geometer, and artists showed Him designing the cosmos with a compass. All that was necessary to engineer a sound building, architects believed, was the proper application of divine proportions.\nTheologians thought of God as a geometer; artists showed Him designing the cosmos with a compass\nModern architects rely on algebra and calculus. Hahn turns these tools on historical structures from the Parthenon to the Hagia Sophia to St Paul’s Cathedral, revealing how they hold up and explaining the causes of visible contortions and cracks. Sometimes these insights shed light on aesthetic qualities, such as the unique arrangement of the Hagia Sophia’s domes. More engrossingly ...", "label": "No"}
+{"text": "One of the most useful pieces of information that I am able to share with clients is Stephen Porges’s Polyvagal Theory. Explained simply, it is a really powerful way for us to understand and regulate how we feel, moment by moment. This is the fourth in a series of blogs about how our nervous system drives our emotions, our thoughts and our behaviour.\nWhat IS the vagus nerve?\nVagus, meaning “wanderer,” is aptly named. From the brain stem at the base of the skull, the vagus travels in two directions: downward through the lungs, heart, diaphragm, and stomach and upward to connect with nerves in the neck, throat, eyes, and ears. It’s a key part of our nervous system.\nJust to put things in context, the autonomic nervous system is made up of two main branches, the sympathetic and the parasympathetic, and responds to signals and sensations via three pathways, each with a characteristic pattern of response.\n- The sympathetic branch is found in the middle part of the spinal cord and represents the pathway that prepares us for action. It responds to cues of danger and triggers the release of adrenaline, which fuels the fight-or-flight response.\n- In the parasympathetic branch, the remaining two pathways are found in the vagus nerve. The vagus is divided into two parts: The ventral vagal pathway and the dorsal vagal pathway.\n- The ventral vagal pathway responds to cues of safety and supports feelings of being safely engaged and socially connected.\n- In contrast, the dorsal vagal pathway responds to cues of extreme danger. It takes us out of connection, out of awareness, and into a protective state of collapse. When we feel frozen, numb, or “not here,” the dorsal vagus has taken control.\n3 stages of evolution\nStephen Porges identified a hierarchy of response built into our autonomic nervous system , a key part of the evolutionary development of our species.\n- The dorsal vagal is the oldest pathway, it reflects back to our ancient vertebrate or reptilian ancestors.\n- The sympathetic branch was next to develop and controls the fight or flight reactions including an accelerated heart rate and inhibited digestion. These functions help prepare an organism’s body for the physical strain required to escape a potentially dangerous situation or to fend off a predator.\n- The most recent addition, the ventral vagal pathway, brings patterns of social engagement that are unique to mammals. When we are firmly grounded in our ventral vagal pathway, we feel safe and connected, calm and social.\nBelow the level of awareness\nStephen Porges came up with the word neuroception to describe how our neural circuits distinguish whether situations or people are safe, dangerous, or life threatening. Neuroception explains why a baby coos at a caregiver but cries at a stranger, or why a toddler enjoys a parent’s embrace but views a hug from a stranger as an assault.\nWhen we feel calm and safe and connected to other people, we experience the ventral vagal state. However even a small “neuroception” of danger can trigger us out of this state and backwards on the evolutionary timeline into the sympathetic branch. Here we are mobilised to respond and take action. Taking action can help us return to the safe and social state. It is when we feel as though we are trapped and can’t escape the danger that the dorsal vagal path- way pulls us all the way back to our evolutionary beginnings. In this state we are immobilised. We shut down to survive. From here, it is a long way back to feeling safe and social.\nImportantly, these cues for safety and danger operate beneath our awareness. The three elements of our autonomic nervous system—ventral, sympathetic, and dorsal—act as our largely subconscious surveillance system, working in the background to read subtle signals of safety or threat.\nAn example from everyday life\nFor example, if you enter a loud, crowded bar and see strangers huddled together, laughing, you may unconsciously pick up cues of rejection which don’t really exist – they are laughing at me! In a millisecond, your sympathetic nervous system leaps into action, signaling you to turn round and leave the bar immediately feeling miserable and rejected.\nJust as you head for the exit, you notice a girl who was at the bar breaking away from the crowd and walking toward you. She smiles warmly, extends her hand and introduces herself and invites you to come and meet everyone. Almost instantly, your breathing slows, your heart rate goes down, and your body relaxes into the experience of Ah, I’m safe now, I’m one of the crowd after all. Your nervous system has just guided you from a sympathetic state to a ventral vagal one, permitting what Porges calls your social engagement system to come fully online. You’re now calm, ready to connect—and maybe to get involved in a new conversation and make new friends.\nMy next blog looks at the polyvagal theory and trauma.\nNeed some advice and support?\nIf you are struggling with any of the issues raised in this article, or indeed any other emotional issues or life challenges and would like to talk things over in complete confidentiality, call Alison Winfield, Mindfully Well Counselling Cork on 087 9934541.\nBook a counselling session today!", "label": "No"}
+{"text": "Rome’s lasting position as the birthplace of modern civilization has earned it the title of ‘the eternal city.’ Central to the brilliance of the Italian Renaissance, Rome has occupied an esteemed position for over two millennia.\nResponsible for many of the greatest human innovations, Rome was the seat of global power for centuries, a feat that has since never been repeated.\nOur Handpicked Choices\nThe Seat of Global Power for centuries & The Seat of the Italian Renaissance\nVery few cities, if any, can claim to have had an impact on world history in the same way that Rome has.\nResponsible for many of the greatest human innovations, Rome was the seat of global power for centuries, a feat that has since never been repeated. The founding of Rome has been set in legend. Ancient Roman historians attributed the founding of the great city to Romulus and Remus, suckled by a she-wolf as children; these brothers founded a settlement on the banks of the Tiber. Famously only Romulus would survive the early years of the towns founding and resultantly had it named after himself, Rome.\nA line of seven Kings of Rome ended when the republic began and the Senate became the most powerful political body responsible for ruling the growing City State. During this storied period Rome accumulated vast wealth and power becoming the foremost Italian city on the peninsula. An act of defiance by the fabled Julius Caesar ended the rule of the republic and turned Rome into an empire ruled by one man. At the peak of the Roman Empire this glorious city was renowned for its awe-inspiring feats of human achievement. The Colosseum and Circus Maximus presided over a truly imperial city littered with buildings that even today evoke wonderment inside those in their presence. The Italian Renaissance that has provided us today with such timeless art masterpieces began in Florence but shifted to Rome with the patronage of Pope Alexander VI.\nRome’s art and cultural scene flourished during this period and Rome is now the proud home of eternally renowned pieces of art such as the Sistine Chapel by Michelangelo and Raphael’s the School of Athens. When in Rome you will unquestionably be instilled with a sense of all that Rome has achieved as a city and the impact that it has had on the rest of human history.\nWith such a long and illustrious history Rome deserves its reputation as one of the most culturally enlightened cities in the world. A trip to Rome is not complete without visiting The Vatican, the independent State and head of the Roman Catholic Church. Although resplendent architecture has made the buildings a destination in themselves, the real beauty is found within the secretive walls of the Vatican City. Beginning in the 16th century the Roman Catholic Church began accumulating and sponsoring great works of art. This collection has unsurprisingly over the centuries become one the most comprehensive and spectacular in the world and the weight of their setting lends a unique air to the Vatican Museums. This is also where the Sistine Chapel is found, famous for its frescoes painted by Michelangelo, as well as the Swiss Guard, the famous protectors of the Pope and The Vatican.\nTwo of Rome’s most impressive cultural pursuits can be found in one location. The Villa Borghese, a stunning example of Classical Italian architecture, is worth a trip on its own, but this sublime villa also houses the Galleria Borghese, one of Rome’s most extensive collections of art. Here you will be able to admire works by Carvaggio and Titian in the beautiful setting of Villa Borghese.\nThe Pantheon is considered one of the best-preserved ancient buildings in Rome and is one of the most impressive and imposing structures in a city filled with architectural beauty. Built by Emperor Hadrian in the 2nd century CE The Pantheon was converted into a church in the 7th century and remains a church to this day, housing the tombs of master painter Raphael and the United Italy’s first king Vittorio Emanuelle II. The Monumento Nazionale e Vittorio Emanuelle, although hard to miss due to its elevated position, is an example of a more contemporary but no less magnificent architectural masterpiece built to honor the first King of Italy.\nA Nightlife of Fashion Executives\nRome’s nightlife is dominated by fashion executives, therefore it is no surprise the nightlife venues reflect their chic guests. Jackie O is a Rome institution that has been inhabited by celebrities and the international jet set community for decades. The whole venue has been designed to evoke emotion, this is no more evident than in the evening when you enter the discoteca.\nLa Maison is Rome’s most exclusive nightclub. Rome’s aristocracy are joined by the biggest names in the fashion industry at this ultra chic nightlife venue that unashamedly provides the most exciting party in town. A sultry interior is a reflection of the beautiful people that inhabit the venue at night.\nThe Simplicity of Fresh Ingredients\nItalian cuisine is known globally for its fresh ingredients and simplicity, a combination that has made it adored by many. In Rome you will find some of the best examples of this delicious dining tradition. Agata E Romeo is a highly acclaimed restaurant run by married couple Agata Parisella and Romeo Caraccio. Although the emphasis is on the gourmet cuisine, the interior is elegantly refined and creates an overpowering sense of intimacy in this Roman staple. An endless selection of fine wines serves to complete your experience at this exceptional fine dining restaurant.\nIl Pagliaccio’s cuisine is refined, unique and unmistakable. The menu shows creativity and the experience of a lifetime. It takes the world into the fusion of different tastes and flavours made by Anthony Genovese, with Francesco Di Lorenzo, for years at his side. With only 11 tables this conceptual restaurant has been designed for an elegant and intimate dining experience, an ambience that has unquestionably been achieved. Il Pagliaccio has become a powerhouse of the ultra competitive fine dining scene in Rome.\nOne of the best restaurants in Rome, if not in Italy, La Pergola is much more than just a famous menu. A wine cellar with over 53,000 bottles, a water menu with 29 choices, olive oils and vintage balsamic vinegars from the best producers in Italy, and the finest ingredients to be sourced in the Mediterranean -- all attest to the pursuit of culinary excellence. But nothing influences the character of an evening at La Pergola so much as Rome itself. Beyond the panoramic windows the Eternal City is spread beneath you. On summer evenings, on the candlelit terrace, the city shimmers; the Dome of St Peter's seems close enough to touch. In such a setting, with such a menu, La Pergola is one of the world's greatest dining experiences.\nAs Grand as Ancient Rome\nLuxury hotels in Rome are as grand as some of the ancient buildings that they border. In these classic examples of luxury accommodation you will be pampered by with famous Italian service. The St. Regis Grand Hotel in Rome is a beautiful example of classic luxury applied to the modern world. Housed in an imposing medieval building you will find a stunning example of Louis XV interiors alongside every modern luxury you could possibly require. Dripping with ornate detail this hotel has the feel of a grand Roman Villa reserved for royalty. The tireless, first class service will do nothing to diminish this sense of grandeur and importance.\nFor over a century The Hassler, at the top of the Spanish Steps, has been recognized as one of Europe’s legendary independently-owned luxury hotels, synonymous with the highest quality of service, attention to detail and discretion. With beautiful terraces overlooking the mesmerizing landscape of the city of Rome and world class spa, The Hassler is one of Europe's top luxury hotels and the preferred destination for society's elite and world travellers.\nSince 1906, The Westin Excelsior Rome has hosted celebrities, statesmen and artists visiting the Eternal City. The hotel enjoys a prime location in the celebrated Via Veneto district, and is known for outstanding service in an exceptional setting. The Hotel is one of the cities most imposing palaces, rich in history and located on one of the most celebrated and talked about streets of Rome: the legendary Via Veneto, nestled between the Spanish steps and the Borghese Gardens & Gallery.", "label": "No"}
+{"text": "Scroll down to the audio file at the bottom of the page and click on it to listen online or download for later. Enjoy the show!\n“The views and opinions expressed in this podcast are solely those of the panel and guests on the show. These views and opinions do not necessarily represent those of Macmillan Publishers Limited.”\nNews and views\n- Are learning styles a myth?\nLearning Styles: Concepts and Evidence by Harold Pashler, Mark McDaniel, Doug Rohrer, and Robert Bjork\n- Is it rude to finish a text message with a full stop?\nExercise of the month\nThis exercise works well as a basic warmer or a vocabulary exercise and can be presented on an interactive whiteboard or an overhead projector or simply by cutting up sections of a large picture.\n- Find a picture which tells a story or shows some kind of narrative progression.\n- Divide the picture into several sections.\n- Reveal each section of the picture one at a time. At each stage ask the students what they can see and what they think might be in the rest of the picture.\n- The last section should reveal the end of the story.\n- When you have completed revealing the picture, discuss any emergent language.\nThis activity practises modal verbs of speculation and other language related to speculation, e.g. perhaps, possibly, maybe. It works best if you can also revise other language you have studied in recent lessons (the picture used in the podcast can be used to describe people’s appearance).\nPicture used in the podcast: The Child Hater by Ronald Searle (Punch 1954)\nWord of the month\nInductive and deductive learning: Two distinct and opposing instructional approaches. In deductive learning, teachers introduce and explain concepts to students. In inductive learning, students are presented with examples of the concept and required to notice it for themselves.\nNicola Prentis talks about gender imbalance in ELT, the cult of ‘big name authors’ and how to prep for a conversation class.\nA student approaches you at the end of class and explains they are applying for a job and would you mind having a quick look at their CV and cover email? You glance down and realize this is going to be more than a ‘quick check’. Both documents are going to need a complete overhaul. Your student needs to send it all off by the end of the week but you’re not sure you’ll have time to get the job done properly – and actually, this does feel a bit ‘beyond the call of duty’! You want to help, of course, but this is a BIG JOB.\nWhat do you do?\n- Is it appropriate to teach pronunciation topics like elision, intrusion and linking at lower levels?\n- Do you ever use graded readers in class?\n- Is there an alternative to the horseshoe?\nDownloadsClick link to download and view these files\n- Other, Size 47.98 mb", "label": "No"}
+{"text": "|Sarcophagus of Paul|\nSarcophagus of St Paul discoveredTuesday, December 19th, 2006\n2006 has been a year of discoveries for Rome. New frescos, new archaeological finds and statues returned after years of foreign residence have made this year a hit parade of novelties.\nBut, as briefly reported here a week ago, this week the Holy See topped the charts as it announced the unearthing of the tomb (a sarcophagus) of St. Paul. Vatican archaeologist Giorgio Filippi actually found the tomb three years ago, but further research established that there is no doubt, the sarcophagus found under the pavement of the Basilica of St. Paul's is really that of the Apostle, as Filippi announced in a press conference last week (Monday).\nUnlike St. Peter, whose traditional presence in Rome was supported by a paucity of factual evidence until the excavations under St. Peter's Basilica from 1939 to 1950, St. Paul's sojourn in Rome is well documented in the Acts of the Apostles. St. Paul was probably sent to Rome as a prisoner somewhere around A.D. 58 to 60 and spent several years among the early Christian community of Rome.\nEusebius of Caesarea tells us, Paul was beheaded by him [Nero], while tradition elaborates that the saint was martyred outside the city at a site now known as Tre Fontane, or the Three Fountains. This picturesque name is derived from the legend that when Paul was beheaded, his head bounced three times on the ground -- miraculously creating three fountains. A church has graced the spot since the fifth century and today it is a monastery.\nSt. Paul's body was taken a little closer to the city, along the Via Ostiense, or the main road toward the sea, and buried alongside this major thoroughfare. Eusebius also cites the third-century ecclesiastic Gaius who claimed that he can show you the trophies of the Apostles. If you will go to the Vatican or along the Via Ostiensis you will find the trophies of the founders of this church.\nThese trophies were simple, makeshift affairs meant to remain hidden from the eyes of Imperial persecutors. Only under Constantine were the apostles given due architectural homage. Great basilicas were erected over the simple tombs and the early graves were enclosed in the foundations of these churches.\nThe sarcophagus found by Giorgio Filippi was made slightly later, during the reign of Emperor Theodosius, the man who outlawed all other religious cults in 395, leaving Christianity the sole religion of the empire. The large marble sarcophagus was covered by a plaque bearing the inscription 'Apostle Paul Martyr'.\nThanks to the work of Filippi and the engineers of the church, the sarcophagus, hidden behind the plaque under several feet of cement, was brought to light and can now be seen by pilgrims to the basilica.\nThis discovery restores to the Basilica of St. Paul Outside the Walls its central purpose as the place where the faithful go to pray at the resting place of the great apostle.\nDante, Michelangelo, St. Philip Neri and millions of others never questioned the authenticity of the location until a fire in 1823 devastated the basilica. The dramatic rebuilding and the subsequent enclosing of the sarcophagus in a block of cement made the historical reality of Paul's martyrdom at Tre Fontane and his burial along the Via Ostiense seem dim and doubtful.\nThe excavations began in 2002 and today the sarcophagus found is on view for the faithful through a glass window laid into the floor. The remaining question is whether, as with the tomb of St. Peter, the remains of the Apostle Paul are still present. Catholics the world over had to wait 35 years from Pope Pius XII's announcement of the discovery of Peter's grave to the declaration that the bones had also been recovered.", "label": "No"}
+{"text": "In the 1990s cycling saw a number of unexplained deaths from heart attacks. It was surmised that many athletes were using/abusing EPO, the blood-boosting drug developed by Amgen in 1989. In 2007, the FDA just figured this out and is now issuing a warning about the abuse/overuse if EPO.\nAre they paying attention?\nThe Food and Drug Administration issued strict new warnings yesterday about overuse of widely prescribed anemia drugs after a flurry of recent studies suggested they might cause heart problems or hasten the death of cancer patients.\nThe agency said that a “black box” warning — the strongest kind — had been added to the labels of the drugs and that doctors should use the lowest possible dose needed to help patients avoid blood transfusions.\nIt also said it was re-evaluating the validity of claims in the labels and in advertisements that the drugs can raise energy levels or otherwise improve a patient’s quality of life.\nAlmost one million Americans take one of the drugs, which are mostly used to treat anemia caused by kidney failure or chemotherapy. The drugs are darbepoetin alfa, sold as Aranesp by Amgen, and epoetin alfa, sold as Epogen by Amgen and as Procrit by Johnson & Johnson.\nBoth drugs are genetically engineered forms of erythropoietin or Epo, a substance made by the human kidney that increases the production of red blood cells, which ferry oxygen to the body’s tissues.\nSales of the drugs worldwide totaled about $10 billion last year, making Epo the most lucrative product ever produced by the biotechnology industry. It is also the largest drug expense for Medicare, which spent $2 billion in 2005 just for the use of Epogen in kidney dialysis patients.", "label": "No"}
+{"text": "It seems that global warming causes everything. It is said to be simultaneously responsible for below average sea ice extent in the Arctic and record high sea ice extent in the Antarctic. Whether temperatures are warmer or colder, alarmists blame it on global warming. Such was the case last winter. When the circumpolar vortex dipped south to cause ‘usually” cold weather in North America, it was blamed on global warming. But was that cold spell really unusual?\nSome researchers decided to find out by studying January temperatures for the period 1948-2013. The paper is:\nBallinger, T.J., Allen, M.J. and Rohli, R.V. 2014. Spatiotemporal analysis of the January Northern Hemisphere circumpolar vortex over the contiguous United States. Geophysical Research Letters 41: 3602-3608.\nThe paper was reviewed at CO2Science.com here.\nThe four U.S. researchers report that “the spatial features of the January 2014 USPV [United States Polar Vortex] were not extreme relative to certain 1948-2013 Januaries,” as they note that the USPV of January 2014 only ranked as having “the sixth most southerly latitude, tenth most westerly longitude, and seventh largest area.” Nor were the temperatures of the polar air the USPV brought with it ultra-extreme, as they say that the mean surface air temperatures of January 2014 were merely among “the coldest 10% of Januaries on record,” as recorded within the 120-year history of the National Climatic Data Center (NCDC, 2014) archive for several Midwestern and Southern states.\nSo, in spite of all the media hype, last winter’s cold spell was not unusual, not unprecedented, nor unnatural. And, it had nothing to do with global warming. It has to do with multi-decadal oscillations in atmospheric and oceanic circulation regimes, such as the Atlantic Multidecadal Oscillation and the Pacific Decadal Oscillation that can amplify or diminish longer term atmospheric warming or cooling. See The Stadium Wave Hypothesis.\nThere is also the minor detail that there has been no net global warming since 1998.", "label": "No"}
+{"text": "You’ve definitely heard your mom tell you to eat your fruits and vegetables to make sure you get your vitamins, but do you really know what vitamins are and how they work? This short video will tell you the different types of vitamins that our bodies use and will tell you where they are found, how they work, and what might happen if you get too much or too few of them. The main idea is that vitamins are organic compounds that our bodies can’t produce, but are found mainly in fruits and vegetables. Without these vitamins our bodies can’t perform the basic functions related to keeping our internal systems working. For example, scurvy was a common ailment of sailors because they didn’t have access to vitamin C, which is found in fruits. After long periods of not having this vitamin the sailors became sick but after eating a few oranges they quickly got better and were ready to work again. Just like not having vitamins can be bad for you, having too much can be bad too. There are different types of vitamins that our body processes differently, with some being stored in our fat and others digesting throughout systems quickly. After watching this video you should have a good idea of what vitamins do and you may be able to make sure that you get the right amount of the right kinds of vitamins in your diet.", "label": "No"}
+{"text": "The Plessy & Ferguson Foundation joins with McKenna Museums and Le Musée de f.p.c. on the 120 th Anniversary of the Plessy Decision, June 7, 2016, from 6:00 pm to 8:00 pm\n(Le Musee de f.p.c., 2336 Esplanade Avenue, New Orleans, LA)\nOn June 7, 1892, Homer Adolph Plessy was arrested for sitting in the “white” only car on the East Louisiana railroad, defying a local segregation ordinance. He later became the plaintiff in a case before the U.S. Supreme Court where the Justices decided against him in the landmark Plessy v. Ferguson case of 1896. May 18th marked the 120th Anniversary of the decision which legalized forced separation of the races.\nHistorians, legal scholars, and civil rights activists will discuss New Orleans at the forefront in the fight for civil rights. A relative of Homer Plessy, Keith Plessy will discuss his efforts to secure the Presidential Medal of Freedom for Homer A. Plessy. There will also be a special presentation by the American Judicial Alliance and entertainment by Carl Leblanc. The event is free and open to the public. RSVP http://www.facebook.com/plessyandfergusonfoundation", "label": "No"}
+{"text": "Recent interviews with security experts believe that the next major terror attack won’t be a bomb or a man wielding a gun. Instead, it’s likely that the next attack on the western world could be cyber. Imagine the damage crashing the stock market network would cause. Or perhaps, simply a DNS attack on key websites. A widespread DNS attack actually hit the net last year, taking out a number of key websites. Many businesses were left unable to perform on the market due to losing their space on the web index.\nTechnology has definitely brought to life a number of dangers that previously never existed. But, as well as being the disease tech could be the cure too and here’s why.\nOn The Cloud\nOne of the biggest threats to security is data theft. Once you have someone’s personal data you can target them in new, dangerous ways. For instance, you might find that you have enough information to bleed their accounts dry. Or perhaps access key information to steal from a company that they might own. Luckily, the cloud is more secure than your typical hard drive. As such, it is possible to keep information safe and out of the hands of criminals.\nThere are now whole teams put together to understand and dissect data. Using this data, it might be possible to recognise patterns and understand when a new terrorist attack might take place or even where. It is also possible to pinpoint the vulnerabilities of a location and places that might be targeted. This is based on the study geospatial intelligence. You can find more about this in the infographic below.\nCredit to University of Southern California Online", "label": "No"}
+{"text": "Following the July 2022 release of the first James Webb Space Telescope (JWST) images — a haunting deep field of galaxies, its stunning picture of the Carina Nebula, the captivating beauty of Stephan’s Quintet and the Southern Ring Nebula — a flurry of other space images started widely circulating across social media platforms. That was when French Scientist Étienne Klein shared a picture of the closest star to the Sun, Proxima Centauri, on Twitter.\nThe trusted researcher said the shot was taken by the JWST and praised its level of detail; the image was shared thousands of times across social media. But not all about the picture was as it appeared to be. This wasn’t Proxima Centauri at all. It was, in fact, a rather mundane (albeit tasty, I’m sure) slice of chorizo sausage against a black background.\nWhen this was exposed, and in the face of considerable backlash, Klein apologized for the incident, which was dubbed “Chorizogate.” The scientist pointed out that his intention for sharing the image was as a response to the wide dissemination of JWST images and to “urge caution regarding images that seem to speak for themselves.”\n“Along the lines of the Chorizogate, I remember the infamous ‘cheese frier’ — or buñuelo in Spanish — image presented as an image of our Sun,” Luz Ángela García, a cosmology postdoctoral researcher at Universidad ECCI in Bogotá, Colombia, tells Astronomy. “Although I think it was pretty funny, and the resemblance is uncanny, such hoaxes could generate a skeptical and cynical view toward professional astronomy.”\nGarcía adds: “There is nothing wrong with noting that a high-resolution image of an astronomical object has similar patterns as a piece of chorizo. What is not correct is to present the latter as an authentic astronomical image.”\nAs Chorizogate perfectly exemplifies, the growth of the internet and the increasing dependency on social media for news has made the propagation of both genuine science and sham images very easy.\nHowever, it would be wrong to believe that hoaxes in and around astronomy are limited to the era of the internet. Such falsehoods have been around much longer than that, perpetuated by even the most reliable sources.\nThe Great Moon Hoax\nBeginning in August 1835, the New York Sun ran a series of six articles that would become the foundation of one of the greatest astronomy hoaxes of the modern age. The articles documented the supposed findings of legitimate astronomer Sir John Herschel — who, in 1834, traveled to the Cape of Good Hope in South Africa to document the stars of the Southern Hemisphere. But the serialized story claimed that the English astronomer had also seen something else entirely.\nThe Sun described Herschel using a telescope lens 24 feet (7.3 meters) in diameter — at least six times larger than the biggest instrument available at the time — to spot vegetation, white sand beaches, bisonlike animals, and even a chain of pyramids on the Moon. A subsequent article added tiny reindeer and zebras, and even two-legged beavers to the lunar menagerie.\nIt was the fourth article that really took the cake: This is when the newspaper claimed that Herschel had spotted winged humans, dubbed “Vespertilio-homo” or man-bats, on the Moon. The “news” was widely re-reported across the globe.\n“The Great Moon Hoax of 1835 is a terrific illustration of what happens when the media don’t exercise their journalistic responsibility to check stories for factual accuracy, or even engage in a hoax on purpose,” says astronomy professor Andrew Fraknoi of the The Fromm Institute for Lifelong Learning at the University of San Francisco.\nEnglish journalist and editor Richard Adams Locke eventually confessed to authoring the series, saying he’d intended it as satire. He claimed that in the process of creating what were essentially science-fiction stories and tall tales, he had severely underestimated the gullibility of the public.\nThe War that wasn’t\nIn October 1938, a radio dramatization of War of the Worlds told the story of an alien invasion in the form of news broadcasts. Although not intentionally a hoax, it may have caused some people to panic.\nThe broadcast was part of Orson Welles’ Mercury Theatre on the Air, which had been airing on CBS for 17 weeks. The story, based on the 1898 H.G. Wells novel of the same name, aired the week of Halloween with an introduction that clearly declared it a work of fiction.\nAlthough these factors should have been dead giveaways, War of the Worlds supposedly caused at least some listeners to log calls with their local police departments, newspaper offices, and radio stations. How many is unknown; regardless of the true magnitude of the reaction, journalists began to report that the play had caused “nationwide hysteria.”\nThe reaction from the print media may have been overblown. Several newspapers used the incident to chastise radio producers and warn against the medium as a whole, which was growing in popularity as a news provider. The newspaper industry’s trade journal, Editor and Publisher, perhaps best echoed this sentiment when it wrote of the broadcast: “The nation as a whole continues to face the danger of incomplete, misunderstood news over a medium which has yet to prove … that it is competent to perform the news job.”\nWelles purportedly faced questions for the rest of his life regarding his complicity in an attempt to perpetrate a space invasion hoax. His answers, according to Smithsonian Magazine, ultimately morphed from claims of innocents to tongue-in-cheek suggestions that he was well aware of the effect the broadcast could have on the public.\nDoomsday 2012 and the planet Nibiru\nBy the early 2000s, the internet had began to sprout widespread claims that in December 2012, all life on our planet would be wiped out when Nibiru (sometimes called Planet X), a planet some four times the size of Earth, would slam into it.\nThe arrival of this supposed planet was linked to other end-of-the-world rhetoric, including the prognostications of Nostradamus and the supposed ending of the Mayan calendar in 2012.\nThe Mayan calendar categorically doesn’t end with December 2012. Instead, 2012 marks the end of one so-called “long count” and the beginning of another. And as for the planet, the fated collision of course never came to pass.\nThe truth is, it was never even a slight concern for astronomers.\n“The Nibiru story began with claims that Nibiru, a planet purported to have been discovered by Sumerians as documented in ancient Sumerian texts, was headed toward Earth in 2012,” says Jeff Mangum, a scientist at the National Radio Astronomy Observatory in Charlottesville, Virginia. “Nibiru does not exist. The Nibiru myth is one of many hoaxes that use incorrect or misinterpreted astronomical information to propagate misinformation.”\nLikewise, there is no evidence that Nibiru, purported by author Zecharia Sitchin in several books to orbit the Sun once every 3,600 years, even exists. In 2009, NASA Astrobiology Institute Senior Scientist David Morrison wrote in Astronomy Beat that the Sumerians left very little in the way of astronomical records and that they were, as culture, unaware of Uranus, Neptune, or Pluto. The Sumerians also likely did not even understand that the planets orbited the Sun.\n“I think that astronomers have reached the point where we can offer extremely strong arguments that Nibiru does not exist,” Morrison wrote. “A large planet (or a brown dwarf) in our solar system would have been known to astronomers for many years, both indirectly from its gravitational perturbations on other objects and by direct detection in the infrared.”\nBeware suspicious space stories\nWhile many of these hoaxes and incidents are amusing, García warns there is a danger that they could be misleading and confusing for people unfamiliar with astronomy and she believes this could potentially pose a risk to astronomy as a field of science.\n“It harms the credibility of science communicators and scientists alike. Chorizogate and some other fakes leave a stink in people’s minds that their taxes are not well spent, and the budget assigned to science/technology is not being used to fulfill a great purpose,” she says.\nGarcía acknowledges that social media is a strong and efficient tool to spread information quickly and reach a broad audience, but she suggests its power means we must be more on our guard for hoaxes than ever before.\n“If social media managers and science communicators do not verify their sources or present fake facts in a deliberate way, they harm the ongoing outreach efforts of science journalists and scientists themselves around the world,” García concludes. “With great power comes enormous responsibility.”", "label": "No"}
+{"text": "Providing immediate and effective first aid to workers or others who have been injured or become ill at the workplace may reduce the severity of the injury or illness. In some cases it could mean the difference between life and death.\nLaws surrounding first aid\nThe model WHS laws impose health and safety duties in relation to first aid. You can find details of those duties in the model Code of Practice: First Aid in the Workplace.\nThe Code also has practical information about working out your first aid requirements, equipment, facilities and training needs.\nFirst aid risk assessment\nFirst aid requirements vary from one workplace to another, so you must consider all relevant factors at your workplace when deciding what first aid arrangements you need to have in place, including:\n- the type of work being carried out\n- the hazards at the workplace\n- the size and location of the workplace (for example, the distance between work areas and response times for emergency services) and\n- the number and composition of people at the workplace (for example, workers, contractors, subcontractors, volunteers and visitors).\nA thorough first aid risk assessment that considers all of these factors will help you to decide what first aid arrangements to provide. Through this process it should become clear what first aid facilities, equipment and training are needed. Review your first aid risk assessment regularly in consultation with your workers to ensure your arrangements stay adequate and effective.\nEquipment and personnel\nYou must give your workers access to:\n- first aid equipment and facilities\n- trained first aiders.\nKeep first aid kits close to areas where there is a higher risk of injury or illness, as well as inside work vehicles if workers are expected to travel as part of their job.\nThe contents of first aid kits should be based on your first aid risk assessment. At a minimum, they should include equipment for providing basic first aid, but extra equipment may be needed depending on the nature of the work and workplace (for example, in remote areas or where there is a risk of certain serious injuries like burns).\nA first aid risk assessment will also help you to decide if a first aid room is needed at your workplace. You should set up a first aid room if it would be difficult to provide first aid at your workplace without one. We recommend in low-risk workplaces a first aid room is provided when there are 200 or more workers, and in high-risk workplaces when there are 100 or more workers.\nA trained first aider should hold a nationally recognised statement of attainment from a registered training organisation. Some workplaces may require more specific or advanced first aid training depending on the nature of the work or the workplace. First aiders should attend training regularly so their knowledge and skills are up-to-date.\nAs a rule of thumb there should be one first aider for every:\n- 50 workers in low-risk workplaces (for example, an office)\n- 25 workers in high-risk workplaces (for example, a construction site)\n- 10 workers in remote high-risk workplaces (for example, a mine).\nSWA is not a regulator and cannot advise you about first aid in the workplace. If you need help, please contact your state or territory work health and safety authority.", "label": "No"}
+{"text": "Acne is the most common disease of the skin and may be an important clue of an underlying types endocrine disorders such as polycystic ovarian syndrome (PCOS), Cushing syndrome, congenital adrenal hyperplasia (CAH) or an androgen-secreting tumor (see Fig 1).\nAs board certified dermatologists, we should be able to distinguish which patients presenting with types of acne may need further evaluation for a possible underlying endocrinopathy. In this two-part series, we will be focusing on hormonal acne specifically related to PCOS, including the exam, work up, diagnosis, treatment and long-term implications of this syndrome.\nPCOS is a complex disorder affecting 5-10% of reproductive-age women and is characterized by a state of hyperandrogenism and often hyperinsulinemia. It is the most common endocrine disorder in women and is a major cause of infertility due to lack of ovulation. Patients can present with a wide range of symptoms, which may make the precise diagnosis difficult.\nAcne is a common skin manifestation but other potential findings may include hirsutism (increased terminal hairs in a male-pattern distribution, see Fig 2), scalp alopecia (see Fig 3), acanthosis nigricans and less frequently seborrheic dermatitis. Non-dermatologic symptoms and signs may include irregular menses (oligomenorrhea), hormone fluctuations, insulin resistance, polycystic ovaries and infertility.\nWomen with PCOS have an increased risk of cardiovascular disease, hypertension, diabetes and other metabolic complications. Furthermore, during childbearing years women have an increased risk of miscarriage, gestational diabetes and preeclampsia. Thus, early diagnosis is important since there are many long-term consequences associated with this syndrome.\nThe underlying etiology of PCOS is not completely understood but it is likely multifactorial and due to a combination of genetic, endocrine and environmental factors. Growing data suggests a key component in the pathogenesis is a defect in the insulin pathway resulting in insulin resistance. The compensatory hyperinsulinemia is thought to promote a state of hyperandrogenism that is characteristically seen in this syndrome. Although PCOS was often considered a disease of obesity in the past, it is now known that patients with a normal or low body mass index (BMI) can also have this syndrome.\nThe diagnosis of PCOS is currently based on criteria from the 2003 European Society for Human Reproduction and American Society of Reproductive Medicine (ESRHE/ASRM) Rotterdam consensus meeting, which expanded the previous classification. At least two out of the following three criteria are required for diagnosis:\n- Hyperandrogenism (clinical or biochemical)\n- Polycystic ovaries by ultrasound (checking number of antral follicles and ovarian volume, [see Fig 4])\nThe first criterion of oligo-anovulation describes irregular menses with lack of proper ovulation. It is not abnormal for women of childbearing age to have some variation in menstruation (21-35 days), but if the patient regularly goes beyond 35 days without menstruating, it is considered oligomenorrhea. Amenhorrhea (complete absence of menstrual periods) may also be seen. Hyperandrogenism, the second diagnostic feature, can be seen clinically (acne or hirsutism on exam) or biochemically (laboratory studies showing elevated testosterone or dehydroepiandrosterone [DHEA], see Fig 5). The third criterion is related to the chronic state of anovulation often seen in PCOS patients. Since no egg matures or is released due to the abnormal hormonal milieu, ovulation does not occur and the follicles accumulate in the ovaries. The increased number of small cysts have a polycystic appearance with a characteristic ‘string of pearls’ appearance on ultrasound of the ovaries.\nSince a dermatologist may be the first or only physician a young female patient with hormonal acne sees, it is imperative for us to be aware of the clinical clues that suggest hyperandrogenism. First, it is important to inquire if the patient’s menstrual cycles are regular to screen for oligomenorrhea and potential anovulation. Be mindful if the patient is on an oral contraceptive pill, as this can mask underlying oligomenorrhea since the external hormones are essentially regulating the menstrual cycle. In addition to discussing the menstrual history, it is important to inquire about potential hirsutism by asking if the patient has noticed increased hair growth to the face (sideburn area, chin, upper cutaneous lip), chest, abdomen and/or inner thighs. Many patients do not realize that increased hair growth may be related to acne and often feel embarrassed to bring it up on their own. A third important feature to be aware of is hair loss to the scalp. It is not uncommon for patients to say they have noticed thinning of their hair or increased shedding, especially to the front of their scalp.\nWhen examining the patient, the distribution of hormonal acne is important as it often involves the lower half of the face, especially along the jawline. Other suggestive features include the presence of terminal hairs with a male pattern distribution (see Fig 6), scalp hair loss with retention of the frontal hairline and excess weight. The pattern of hair loss is consistent with androgenetic alopecia (also known as female pattern hair loss) and there is often decreased hair volume with a noticeable widening of the midline part of the scalp (see Fig 7). Often, a significant variation in hair shaft diameter is seen on dermoscopic exam with this type of hair loss. Lastly, if the patient is overweight, it is not uncommon to see the presence of velvety hyperpigmentation on the lateral neck and axillae consistent with acanthosis nigricans (see Fig 8) due to a state of hyperinsulinemia.\nIf the evaluation points toward hyperandrogenism, laboratory evaluation and ultrasound imaging may be helpful to confirm the diagnosis. The second part of this series will focus on the remaining work up for PCOS and the different treatment options for hormonal acne.\nFigures 1, 3, 5-8 Courtesy of Sima Jain, MD\nFigure 2 Courtesy of Derm In-Review\nFigure 4 Courtesy of NIH\nDid you enjoy this post? Find more on Medical Derm topics here.", "label": "No"}
+{"text": "- The American Heart Association defined ideal cardiovascular health based on 7 risk factors.\n- Ideal cardiovascular health is the presence of 7 factors and behaviors that increase the chance of living free of cardiovascular diseases and stroke.\n- To get serious about cardiac health we must all get serious about nutrition since 5 of the 7 parts of ideal cardiovascular health are nutrition based. This observation provides a foundation for the AHA’s population-wide approach that encourages a healthy nutrition pattern.\nThe goal we all share is to stay healthy and not develop the all to common chronic life-style diseases that affects so many of us such as obesity, diabetes and cardiovascular diseases -such as heart attacks and strokes. Unfortunately only about 3% of the US population can say they meet all components of ideal heart health. The percentage of the population reporting ideal cardiovascular health — defined as having optimal levels of all seven factors — was lowest in Oklahoma, West Virginia, and Mississippi and highest in Washington, D.C., Vermont and Virgininia.\nOf great concern is that among “baby boomers” who were 65 or older reported the lowest percentage of ideal heart health while the 35-54 age group reported the highest percentage of ideal heart health.\nThe American Heart Association goal is, by the year 2020, to improve the cardiovascular health of all Americans by 20 percent while reducing deaths from cardiovascular diseases and stroke by 20 percent. The majority of the healthy heart components are directly related to a healthy nutrition pattern and clearly more work needs to be done in the promotion of healthier behaviors. Hippocrates, a Greek physician of the Age of Pericles, and Father of Western medicine said it best -more than 2,000 years ago: “let food be thy medicine, thy medicine shall be thy food.” Sometimes the new is indeed the “old” relearned. The following are the components of optimal cardiovascular health (The Healthy 7):\n- Never smoked or quit more than one year ago\n- Maintain a body mass index under 25 kg/m2\n- Stay physically active for at least 150 minutes at moderate intensity or 75 minutes at vigorous intensity each week\n- Eat a healthy diet, matching at least four to five of the key dietary components recommended by AHA guidelines, such as low sodium, low sugar-sweetened beverage, high fiber, and fruit and vegetable intake.\n- Keep total cholesterol under 200 mg/dL\n- Maintain blood pressure below 120/80 mm Hg\n- Keep fasting blood glucose less than 100 mg/dL\nHeart health is ultimately based on healthy nutrition\nMost of the ideal cardiovascular health is ultimately based on healthy nutrition. A healthy nutrition pattern is a nutrient dense diet unique from the standard American or “Western” diet. A direct consequence of a typical American diet and over consumption of so-called: empty calories from refined carbohydrates, excess sodium, and hidden sugars are the twin epidemics of obesity and type 2 diabetes mellitus. Considered life-style diseases both obesity and diabetes are associated with an increased risk for the development of “hardening of the arteries” and atherosclerotic cardiovascular disease –the number one killer of the adult population of Western societies.\nResults of randomized controlled studies and large population studies now recognize that an overall healthy nutrition “pattern” as opposed to a focus on single foods or any individual nutrient as fundamental to a good health and optimal cardiovascular health. The Harvard School of Public Health Nurses’ Health Study (NHS), one of the most respected and long-term population studies on the relation of lifestyle and nutrition to major health outcomes like cardiovascular mortality and cancer clearly demonstrated the power of a healthy lifestyle.\n- The 24 year follow-up in the NHS estimated that 55% of all deaths, 44% of cancer, and 72% of cardiovascular mortality could have been avoided by adherence to healthy lifestyle.\nA more contemporary large lifestyle study from Sweden repeats the same message: a healthy diet, moderate alcohol use, no smoking, and low waist circumference and more exercise can improve health with a lower risk of heart attack. In sum, together with regular physical activity, the combination of all 5 healthier lifestyle factors was associated with nearly a 80% lower risk of heart attacks.\n- Nearly 80% of those who did suffer heart attacks during the study were attributed to the absence of these simple healthier lifestyle factors.\nThe components of a healthy lifestyle and ideal cardiovascular health are incorporated in the AHA 2020 Impact Goals and healthy dietary pattern with more fruits and vegetables ≥4.5 cups/day, at least 2 servings per week of preferably oily fish (3.5-oz servings); restricted sodium ≤1500 mg/day and restricted sweets/sugar-sweetened beverages ≤450 kcal (36 oz) per week and increased whole grains: >3 1 oz-equivalent servings/day with avoidance of trans fat (partially hydrogenated fat) and saturated fat; avoidance of processed meats or other highly processed foods (unsalted nuts, seeds, legumes, and vegetable sources of protein and unsaturated fats are preferred substitutes).\nThe evidence supports a shift in viewing a healthy lifestyle to prevent disease to a new focus on promoting healthy behaviors and all metrics of optimal cardiovascular health. According to Dariush Mozaffarian, MD, DrPH of Tufts University “it is time to prioritize these most basic and fundamental behaviors.” A healthy lifestyle needs to be considered as a primary target for health. Adherence to a healthy lifestyle and nutrition pattern is our goal and our hope is that the MedChefs mobile portfolio of healthy meal planning will provide a helping hand.", "label": "No"}
+{"text": "Posted News by Category\nClick here for contact information for agency, FMC and CIG personnel.\nFor definitions of technical terms used on this site, click here.\nBrownfield site- means any real property, the redevelopment or reuse of which may be complicated by the presence or potential presence of a contaminant.\nContaminant - or “contamination” means the presence of a contaminant in any environmental media, including soil, surface water, sediment, groundwater, soil vapor, ambient air or indoor air.\nCAMU - or Corrective Action Management Unit consists of a designated area within a facility for the management of wastes generated in the course of cleanup or remediation of releases at the facility. The United States Environmental Protection Agency and delegated states are authorized under federal regulations to designate CAMUs, subject to controls and conditions, to implement faster and more aggressive cleanup and to remove some of the disincentives that the application of Resource Conservation and Recovery Act (RCRA) requirements can sometimes impose.\nCMS or Corrective Measures Study - Part of the RCRA process. This study uses information from soil and water testing to determine if remediation is needed and the way it would be done.\nCMI — Corrective Measures Implementation - Part of the RCRA Process. The CMI phase involves the design and implementation of a chosen remedy.\nDocument Repository - means a repository of site remedial program documents approved by the Agencies or released for public comment established in a publicly accessible building near the location of such site.\nEcological Resources - means all flora and fauna and the habitats that support them, excluding such biota as pets, livestock, agricultural and horticultural crops.\nEngineering Control - means any physical barrier or method employed to actively or passively contain, stabilize, or monitor contamination, restrict the movement of contamination to ensure the long-term effectiveness of a remedial program, or eliminate potential exposure pathways to contamination. Engineering controls include, but are not limited to, pavement, caps, covers, subsurface barriers, vapor barriers, slurry walls, building ventilation systems, fences, access controls, provision of alternative water supplies via connection to an existing public water supply, adding treatment technologies to such water supplies, and installing filtration devices on private water supplies.\nEnvironment - means any water including surface or groundwater, sediment, water vapor, any land including land surface or subsurface, air including soil vapor, fish, wildlife, other biota, all other natural resources and humans.\nEnvironmental Easement - means an interest in real property, created under and subject to the provisions of ECL article 71, title 36 which contains a use restriction and/or a prohibition on the use of land in a manner inconsistent with engineering controls; provided that no such easement shall be acquired or held by the state which is subject to the provisions of article fourteen of the constitution of the State of New York.\nFinancial Assurance - means financial mechanisms, which include but are not limited to surety bonds, trust funds, letters of credit, insurance or a multiple of financial mechanisms, as determined to be adequate by the Department, to ensure the long term implementation, maintenance, monitoring and enforcement of the engineering and institutional controls at a remedial site.\nGroundwater - means water below the land surface in a saturated zone of soil or rock. This includes perched water separated from the main body of groundwater by an unsaturated zone.\nHazardous Waste - means a waste which appears on the list or satisfies the characteristics promulgated by the Commissioner and any substance which appears on the list, however, that the term \"hazardous waste\" does not include Natural gas, natural gas liquids, liquefied natural gas, synthetic gas usable for fuel, or mixtures of natural gas and such synthetic gas; nor the residue of emissions from the engine exhaust of a motor vehicle, rolling stock, aircraft, vessel, or pipeline pumping station engine; nor Source, byproduct, or special nuclear material from a nuclear incident, as those terms are defined in the atomic energy act of 1954, and Petroleum.\nHistoric fill material - means non-indigenous or non-native material, historically deposited or disposed in the general area of, or on, a site to create useable land by filling water bodies, wetlands or topographic depressions, which is in no way connected with the subsequent operations at the location of the emplacement, and which was contaminated prior to emplacement. Historic fill may be solid waste including, but not limited to, coal ash, wood ash, municipal solid waste incinerator ash, construction and demolition debris, dredged sediments, railroad ballast, refuse and land clearing debris, which was used prior to October 10, 1962. Any soil or soil-like wastes from any area which was operated by a municipality or other person as a landfill is not considered historic fill. For purposes of a remedial program, historic fill does not include any material which is chemical production waste or waste produced on the site from processing of metal or mineral ores, residues, slag or tailings.\nInactive hazardous waste disposal site - means any area or structure used for the long term storage or final placement of hazardous waste including, but not limited to, dumps, landfills, lagoons and artificial treatment ponds.\nInactive hazardous waste disposal site remedial program - means a remedial program, as defined in subdivision of this section, at an inactive hazardous waste disposal site.\nInstitutional control - means any non-physical means of enforcing a restriction on the use of real property that limits human or environmental exposure, restricts the use of groundwater, provides notice to potential owners, operators, or members of the public, or prevents actions that would interfere with the effectiveness of a remedial program or with the effectiveness and/or integrity of operation, maintenance, or monitoring activities at or pertaining to a remedial site.\nIRM or Interim Remedial Measure - means activities to address both emergency and non-emergency site conditions, which can be undertaken without extensive investigation and evaluation, to prevent, mitigate or remedy environmental damage or the consequences of environmental damage attributable to a site, including, but not limited to, the following activities: construction of diversion ditches; collection systems; drum removal; leachate collection systems; construction of fences or other barriers; installation of water filters; provision of alternative water systems; the removal of source areas; or plume control.\nOff-site contamination - means any contamination which has emanated from a remedial site beyond the real property boundaries of such site, via movement through air, indoor air, soil, surface water or groundwater.\nOn-site contamination - means any contamination located within the real property boundaries of a remedial site.\nOperable Unit - means a portion of the remedial program for a site that for technical or administrative reasons can be addressed separately to investigate, eliminate or mitigate a release, threat of release or exposure pathway resulting from the site contamination. Operable units may address geographical portions of a site, media specific action, specific site problems, or an initial phase of an action, or may consist of any set of actions performed over time or any actions that are concurrent but located in different parts of a site. An operable unit may be proposed by the Department or a remedial party; however, only the Department can approve the use of operable units.\nPresumptive Remedy - means technologies or approaches appropriate for the remediation of specific types of contamination which, based on historical patterns of remedy selection and the Department’s scientificscientific and engineering evaluation of performance data, can be used to accelerate the remedy selection process.\nRemedial Investigation - at a site or operable unit of a site. The remedial investigation emphasizes data collection and site characterization, and generally is performed in support of the selection of a remedy.\nRemedial Program - means all activities undertaken to investigate, design, eliminate, remove, abate, control, or monitor existing health hazards, existing environmental hazards, potential health hazards, potential environmental hazards in connection with a site, and all activities including, but not limited to, the following undertaken to manage waste and contamination from a site.\nSite characterization and remedial investigation activities needed to develop and evaluate remedial alternatives; Interim remedial measures; Design activities; Remedial actions, including, but not limited to, construction related activities and the implementation of remedial treatment technologies, including without limitation grading, contouring, trenching, grouting, capping, excavation, transporting, incineration and other thermal treatment, chemical treatment, biological treatment, or construction of groundwater and/or leachate collection and treatment facilities; Post-remedial site management including, but not limited to, the operation, maintenance, monitoring of remedial treatment technologies, and the certification of institutional and engineering controls.\nRemedial Site - means any real property consisting of a parcel, adjacent properties or parcels, or portions of properties or parcels, identified as: An inactive hazardous waste disposal site; A brownfield site; or An environmental restoration project, as defined by the State assistance contract.\nRCRA — Resource Conservation and Recovery Act. A federal law enacted in 1976 to protect human health and the environment with respect to the management and disposal of solid wastes and to support the recovery and reuse of materials.\nRFA - RCRA Facility Assessment means a study that is performed at a facility to determine the existence of any continuous or non-continuous releases of wastes. During the RFA, regulators gather information on solid waste management units and other areas of concern at RCRA facilities, evaluate this information to determine whether there are releases that warrant further investigation and action, and determine the need to proceed to a RCRA Facility Investigation.\nRFI — RCRA Facility Investigation. Soil and water are tested to see if past activities have affected the environment. The tests characterize the nature, extent and rate of releases.\nRisk Assessment - The process of identifying and documenting actual and perceived risks to human health or the environment, to allow further evaluation and appropriate responses.\nRisk-based Corrective Action - Risk-Based Corrective Action is a streamlined approach in which exposure and risk assessment practices are integrated with traditional components of the corrective action process to ensure that appropriate and cost-effective remedies are selected, and that limited resources are properly allocated.\nRunoff - any natural or manmade occurrence of water or liquid above ground in excess of the amount that can be absorbed by the ground, causing the ground to be over-saturated (rain, snow melt). Runoff should not be confused with groundwater.\nSediment - means unconsolidated particulate material found at the bottom of lakes, rivers, streams and other water bodies at bed elevations equal to or lower than the mean high water level.\nSite Management - means the activities undertaken as the last phase of the remedial program at a site which continue after a certificate of completion is issued. Site management is conducted in accordance with a site management plan, which identifies and implements the institutional and engineering controls required for a site, as well as any necessary monitoring and/or operation and maintenance of the remedy.\nWater Table - the level below ground which soil and rock are saturated with water and form a geological formation able to store and yield water\nNext Meeting Date\nThere are no plans for a meeting at this time.\nAll meetings run from 5:30 to 8:00 p.m. at the Masonic Lodge, 20 Main St. in the Village. All Middleport residents and property owners are welcome to stop by anytime while we are meeting.\nMeeting Notes & Agendas\nDownload CIG meeting notes and agendas from 2006 to the present here.\nCIG Mission Statement\nTo download a copy of the CIG's Mission Statement click here.\nNew Member Materials\nThe CIG Brochure\nTo download the CIG brochure in pdf format just click this link.\nThere are 33 unlogged users and 0 registered users online.\nYou can log-in or register for a user account here.", "label": "No"}
+{"text": "Wild horses are descendants of Spanish horses brought to the New World in the 1500’s by the Conquistadors. In the 1800’s, the Spanish stock began to mix with European horses — favored by the settlers, trappers and miners — that had escaped or been turned out by their owners. The wild horses were in demand until tractors and other mechanical means replaced them. Then, they were pushed back into the most arid, hostile public lands that are left. Yet they still survive!", "label": "No"}
+{"text": "Helping Students Discover How They Learn\nHelping children to understand how they learn is as important, if not more important, than the content they are learning. In this webinar, we will explore ways to incorporate “learning about learning” into lessons we are already teaching and also discuss developing lessons designed specifically to help children understand their own learning. How do we decide on what parts of learning to focus on? What are the essential components of these lessons? What kinds of questions can we pose to help children reflect on their own learning practices? We will explore these issues and more in an effort to incorporate metacognition into our daily lives with students.", "label": "No"}
+{"text": "A recent report has warned that many seniors are living with undiagnosed dementia. It may serve as a call to arms for better screening procedures and for individuals to recognize potential signs of the condition.\nThe report was authored by researchers at the University of Michigan and published on June 29 in The Journal of Alzheimer’s Disease.\nA nationwide survey of nearly six million Americans aged 65 and older provided the data. It found that 91-percent of people with cognitive impairment consistent with dementia had no formal diagnosis.\nThe study also revealed that diagnosis varied by race, gender, and education. The data showed that Black seniors (93 percent) were more likely to be diagnosed than other racial groups. Men and people with lower education were also at higher risk compared to their female and educated counterparts.\nThese results suggest better access to care is required and doctors need to improve screening procedures. It also means people need to do a better job of recognizing the signs.\nCognitive decline and impairment can present themselves in several ways. They include:\n- Memory loss (often noticed by others)\n- Difficulty communicating/finding words\n- Difficulty with visual or spatial abilities\n- Trouble problem-solving\n- Trouble with complex tasks\n- Difficulty planning and organizing\n- Confusion or disorientation\n- Trouble with coordination or motor functions\nThere may also be some psychological changes like:\n- Personality changes\n- Inappropriate behavior\nIf you notice these changes or someone close to you points them out, getting to a doctor for screening is highly recommended.\nYou can also try to reduce your risk for dementia and cognitive impairment through lifestyle measures. Some lifestyle measures that might work to prevent cognitive decline include regular exercise, a nutritious diet (like the Mediterranean) that is low in processed and refined foods, and maintaining social connections.", "label": "No"}
+{"text": "What Really Keeps People Happy, According To A Harvard Study3 min read\nAre earning a lot of money and attaining success the most important factors in living a good life? How does one maintain happiness and a well-rounded life on top of all the things that need to be taken care of on a daily basis?\nYes, it’s easy to get carried away with the tides of cut-throat competition and instant gratification and lose the real meaning of happiness for each of us. But as findings from the longest and most extensive research of human life conducted by The Harvard Study of Adult Development has recently concluded, true happiness lies where you least expect it.\nThe study, started in 1938, was focused on two groups. The Grant Study was made up of a group of all-male 268 Harvard College sophomores, and the Glueck Study was composed of a group of 456 inner-city Boston school boys. For over 75 years, these men have submitted to interviews, medical exams, brain scans, psychological tests, and questionnaires every two years, all in an effort to study their individual development.\nThe current director of the study, psychiatrist Robert Waldinger, shared the biggest lesson they learned from this research on his TED Talk–how relationships affect an individual’s life. He discussed it in three main points:\n1. Social connections are good for us, and loneliness really kills.\nThe men who built close relationships with their family, friends, or community reported to have lived happier, healthier, and longer than the less socially active men in the study. These individuals maintained an active social life and close ties with friends and family even after retirement.\nOn the other hand, people who spent a lot of their time alone ended up being less happy, with some of them ended up being alcoholics. It was the greatest contributor in the decline of their health and brain function earlier in life, and resulted in early death.\nThis conclusion is backed by a 2005 to 2010 study conducted by Gallup World Poll, the first-ever global survey covering 60,865 people from 123 countries in search for support on Maslow’s Hierarchy of Needs. After meeting the most basic human needs such as food, clothing, and shelter, an individual’s satisfaction and sense of security comes from well-rounded interpersonal relationships. The love and respect from these types of relationships makes one more capable in facing the troubles and challenges of life.\n2. It’s the quality of close relationships that matters.\nQuality over quantity is important in maintaining close relationships. According to the study, stagnant marriage devoid of any affection is worse for one’s health than getting divorced. Prolonging toxic relationships and living in the midst of conflict is deterrent to one’s health.\nParental relationship also proved to be a huge factor in their development. Men who had a close relationship with their mothers earned an average income of $87,000 more a year than those who did not have strong family ties. Those who had poor relationships with their parents from childhood were more likely to develop anxiety and dementia when they got older.\n3. Good relationships don’t just protect our bodies; they protect our brains.\nHaving someone to rely on in times of need improved the subjects’ memories. Their memories became sharper far longer and reduced the risk of mental impairment, including dementia. Subjects who feel that they really can’t count on someone experienced earlier memory decline.\nWhile having securely attached relationships is far from perfect and takes a lot of hard work, constant companions in times of need gives a positive effect to a person’s health. Having someone around makes it easier to deal with life’s struggles.\nThe most happily partnered men in their eighties reported that on the days they were suffering from physical pain, they were still just as happy. On the other hand, the people who were in unhappy relationships experienced a magnified emotional pain on top of their physical pain.\nAt the end of the study, the people who built strong foundations in their relationships with family, friends, and community lived longer and fared the best.\nWaldinger went on to discuss that the subjects also had the same thoughts as millennials when they started the research. That success, fame, high achievement, and wealth were what they needed to achieve in order to live a good and happy life, but it was proven wrong throughout the research. “Over and over, over these 75 years, our study has shown that the people who fared the best were the people who leaned in to relationships, with family, with friends, with community.”\nThe good life is built on good relationships. Spread the word.", "label": "No"}
+{"text": "From upper left: Panorama of the city, Grenoble’s cable cars, place Saint-André, jardin de ville, banks of the Isère river\n|Coordinates: Coordinates: Unknown argument format\n|• Mayor (2014–2020)||Éric Piolle (Europe Ecology – The Greens)|\n|Area1||18.44 km2 (7.12 sq mi)|\n|• Density||8,500/km2 (22,000/sq mi)|\n|INSEE/Postal code||38185 / 38000, 38100|\n|Elevation||212–500 m (696–1,640 ft)\n(avg. 398 m or 1,306 ft)\n1 French Land Register data, which excludes lakes, ponds, glaciers > 1 km² (0.386 sq mi or 247 acres) and river estuaries.2 Population without double counting: residents of multiple communes (e.g., students and military personnel) only counted once.\nGrenoble (//;French pronunciation: [ɡʁə.nɔbl]; Arpitan: Grenoblo) is a city in southeastern France, at the foot of the French Alps where the river Drac joins the Isère. Located in the Rhône-Alpes region, Grenoble is the capital of the department of Isère. The proximity of the mountains, as well as its size, has led to the city being known as the \"Capital of the Alps\".\nGrenoble's history goes back more than 2,000 years, at a time when it was a small Gallic village. While it gained in stature by becoming the capital of the Dauphiné in the 11th century, Grenoble remained for most of its history a modest parliamentary and garrison city on the borders of the kingdom of France.\nGrenoble grew in importance through its industrial development, the city having experienced several periods of economic expansion in the last centuries. It started with its booming glove industry in the 18th and 19th centuries, continued with the development of a strong hydropower industry in the late 19th to early 20th centuries and ended with its post-World War II economic boom symbolized by the holding of the X Olympic Winter Games in 1968. The city is now a significant scientific centre in Europe.\nThe population of the city (commune) of Grenoble at the 2008 census was 156,659. The population of the Grenoble metropolitan area (French: aire urbaine de Grenoble or \"agglomération grenobloise\") at the 2008 census was 664,832. The residents of the city are called \"Grenoblois.\"\n- 1 History\n- 2 Geography\n- 3 Population\n- 4 Main sights\n- 5 Education and science\n- 6 Economy\n- 7 Sport\n- 8 Transport\n- 9 Culture\n- 10 People from Grenoble\n- 11 International relations\n- 12 In popular culture\n- 13 Gallery\n- 14 See also\n- 15 References\n- 16 External links\n- For the ecclesiastical history, see Bishopric of Grenoble.\n||There is a proposal that this section be split into a new article titled History of Grenoble. (Discuss) (November 2015)|\nThe first references to Grenoble date back to 43 BC. Cularo was at that time a little Gallic village founded by the Allobroges tribe near a bridge across the Isère River. With insecurity rising in the late Roman empire, a strong wall was built around the small town in 286 AD.\nThe Emperor Gratian visited Cularo and, touched by the people's welcome, made the village a Roman city. In honour of this, Cularo was renamed Gratianopolis (\"city of Gratian\") in 381 (leading to Graignovol during the Middle Age and then Grenoble).\nChristianity spread to the region during the 4th century, and the diocese of Grenoble was founded in 377 AD. From that time on, the bishops exercised significant political power over the city and, until the French Revolution, styled themselves the \"bishops and princes of Grenoble\".\nAfter the collapse of the Roman Empire, the city was part of the first Burgundian kingdom in the 5th century and the second Burgundian Kingdom of Arles until 1032, when it was integrated into the Holy Roman Empire. Arletian rule was interrupted between 942 and 970 due to Arabic rule based in Fraxinet.\nGrenoble grew significantly in the 11th century when the Counts of Albon chose the city as the capital of their territories. At the time, their possessions were a patchwork of several territories sprawled across the region. The central position of Grenoble allowed the Counts to strengthen their authority. When they later took the title of \"Dauphins\", Grenoble became the capital of the State of Dauphiné.\nDespite their status, the Counts had to share authority over the city with the Bishop of Grenoble. One of the most famous of those was Saint Hugh. Under his rule, the city's bridge was rebuilt, and both a regular hospital and a leper one was built.\nThe inhabitants of Grenoble took advantage of the conflicts between the Counts and the bishops and obtained the recognition of a Charter of Customs that guaranteed their rights. That charter was confirmed by Kings Louis XI in 1447 and Francis I in 1541.\nIn 1336 the last Dauphin Humbert II founded a court of justice, the Conseil delphinal, which settled at Grenoble in 1340. He also established the University of Grenoble in 1339. Aging and heirless, Humbert sold his state to France in 1349, on the condition that the heir to the French crown used the title of Dauphin. The first one, the future Charles V, spent nine months in Grenoble. The city remained the capital of the Dauphiné, henceforth a province of France, and the Estates of Dauphiné were created.\nThe only Dauphin who really governed his province was Louis XI, whose \"reign\" lasted from 1447 to 1456. It was only under his rule that Dauphiné properly joined the Kingdom of France. The Old Conseil Delphinal became a Parlement (the third in France after the Parliaments of Paris and Toulouse), strengthening the status of Grenoble as a Provincial capital. He also ordered the construction of the Palais du Parlement (finished under Francis I) and ensured that the Bishop pledged allegiance, thus forging the political union of the city.\nOwing to Grenoble's geographical situation, French troops were garrisoned in the city and its region during the Italian Wars. Charles VIII, Louis XII, and Francis I went several times to Grenoble. Its people consequently had to suffer from the exactions of the soldiers.\nThe nobility of the region took part in various battles (Marignano, Pavia) and in doing so gained significant prestige. The best-known of its members was Bayard, \"the knight without fear and beyond reproach\".\nGrenoble suffered as a result of the French Wars of Religion. The Dauphiné was indeed an important settlement for Protestants and therefore experienced several conflicts. The baron des Adrets, the leader of the Huguenots, pillaged the Cathedral of Grenoble and destroyed the tombs of the former Dauphins.\nIn August 1575, Lesdiguières became the new leader of the Protestants and, thanks to the accession of Henry IV to the throne of France, allied himself with the governor and the lieutenant general of the Dauphiné. But this alliance did not bring an end to the conflicts. Indeed, a Catholic movement, the Ligue, which took Grenoble in December 1590, refused to make peace. After months of assaults, Lesdiguières defeated the Ligue and took back Grenoble. He became the leader of the entire province.\nLesdiguières became the lieutenant-general of the Dauphiné and administered the Province from 1591 to 1626. He began the construction of the Bastille in order to protect the city and ordered the construction of new walls, increasing the city's size. He also constructed the Hôtel Lesdiguières, built new fountains, and dug sewers.\nFrom Louis XIV to the French Revolution\nThe revocation of the Edict of Nantes by Louis XIV caused the departure of 2,000 Protestants from Grenoble, weakening the city's economy. However, it also weakened the glove industry of Grasse, leaving the glove factories of Grenoble without any competition. This allowed a stronger economic development for the city during the 18th century. For example, at the beginning of that century, only 12 glovers made 15,000 dozen gloves each year; however, by 1787, 64 glovers made 160,000 dozen gloves each year.\nThe city gained some notoriety on 7 June 1788 when the townspeople assaulted troops of Louis XVI in the \"Day of the Tiles\". The people attacked the royal troops to prevent an expulsion of the notables of the city, which would have seriously endangered the economic prosperity of Grenoble. Following these events, the Assembly of Vizille took place. Its members organized the meeting of the old Estates General, thus beginning the French Revolution. During the Revolution, Grenoble was represented in Paris by two illustrious notables, Jean Joseph Mounier and Antoine Barnave.\nIn 1790, the Dauphiné was divided into three departments, and Grenoble became the chef-lieu of the Isère department. The city was renamed Grelibre and took back its real name only under Napoleon. Only two abbeys were executed at Grenoble during the Reign of Terror. Pope Pius VI, prisoner of France, spent three days at Grenoble in 1799 before going to Valence where he died.\nThe establishment of the Empire was overwhelmingly approved (in Isère, the results showed 82,084 yes and only 12 no). Grenoble welcomed for the second time a prisoner Pope in 1809. Pius VII spent 10 days in the city en route to his exile in Fontainebleau.\nIn 1813 Grenoble was under threat from the Austrian army, which invaded Switzerland and Savoy. The well-defended city contained the Austrian attacks, and the French army defeated the Austrians, forcing them to withdraw at Geneva. However, the later invasion of France in 1814 resulted in the capitulation of the troops and the occupation of the city.\nDuring his return from the island of Elba in 1815, Napoleon took a road that led him near Grenoble at Laffrey. There he met the royalist fifth Infantry Regiment of Louis XVIII. Napoleon stepped towards the soldiers and said these famous words: \"If there is among you a soldier who wants to kill his Emperor, here I am.\" The soldiers all joined his cause. After that, Napoleon was acclaimed at Grenoble and General Jean Gabriel Marchand could not prevent Napoleon from entering the city through the Bonne gate. He said later: \"From Cannes to Grenoble, I still was an adventurer; in that last city, I came back a sovereign\". But after the defeat of Waterloo, the region suffered from a new invasion of Austrian and Sardinian troops.\nThe 19th century saw significant industrial development of Grenoble. The glove factories reached their Golden Age, and their products were exported to the United States, the United Kingdom, and Russia.\nGeneral Haxo transformed the Bastille fortress, which took on its present aspect between 1824 and 1848. The Second Empire saw the construction of the French railway network, and the first trains arrived at Grenoble in 1858. Shortly thereafter Grenoble experienced widespread destruction by extensive flooding in 1859,.\nIn 1869 engineer Aristide Bergès played a major role in industrializing hydroelectricity production. With the development of his paper mills, he accelerated the economic development of the Grésivaudan valley and Grenoble.\nOn 4 August 1897, a stone and bronze fountain was inaugurated in Grenoble to commemorate the pre-revolutionary events of June 1788. Built by the sculptor Henri Ding, the Fountain of the Three Orders, which represents three characters, is located on the Place Notre-Dame. People in Grenoble interpret these characters as follows: \"Is it raining?\" inquires the third estate; \"Please heaven it had rained\", lament the clergy; and \"It will rain\", proclaims the nobility.\nWorld War I accelerated Grenoble's economic development. In order to sustain the war effort, new hydroelectric industries developed along the various rivers of the region, and several existing companies moved into the armaments industry (for example in Livet-et-Gavet). Electro-chemical factories were also established in the area surrounding Grenoble, initially to produce chemical weapons. This development resulted in significant immigration to Grenoble, particularly from Italian workers who settled in the Saint-Laurent neighborhood.\nThe economic development of the city was highlighted by the organization of the International Exhibition of Hydropower and Tourism in 1925, which was visited by more than 1 million people. The organization of this exhibition forced the military to remove the old city walls and allowed expansion of the city to the south. This exhibition also highlighted the city's hydropower industry and the region's tourist attractions.\nThe site of the exhibition became an urban park in 1926, named Parc Paul Mistral after the death of the mayor in 1932. The only building of this exhibition remaining in the park is the Tour Perret, which has been closed to the public since 1960 due to its very poor state of maintenance.\nDuring World War II, at the Battle of the Alps, the Nazi invasion was stopped near Grenoble at Voreppe by the forces of General Cartier in June 1940. The French forces resisted until the armistice. Grenoble was then part of the French State, before an Italian occupation from 1942 to 1943. The relative mercy of the Italian occupiers towards the Jewish populations resulted in a significant number moving to the region from the German-occupied parts of France.\nGrenoble was extremely active in the Résistance against the occupation. Its action was symbolized by figures such as Eugène Chavant, Léon Martin, and Marie Reynoard. The University of Grenoble supported the clandestine operations and provided false documentation for young people to prevent them from being assigned to STO.\nIn September 1943, German troops occupied Grenoble, escalating the conflict with the clandestine movements. On 11 November 1943 (the anniversary of the armistice of 1918) massive strikes and demonstrations took place in front of the local collaboration offices. In response, the occupiers arrested 400 demonstrators in the streets. On 13 November, the resistance blew up the artillery at the Polygon, which was a psychological shock for an enemy who then intensified the repression. On 25 November, the occupiers killed 11 members of the Résistance organizations of Grenoble. This violent crackdown was nicknamed \"Grenoble's Saint-Bartholomew\". From these events, Grenoble was styled by the Free French Forces the title of Capital of the Maquis on the antennas of the BBC.\nThis event only intensified the activities of Grenoble's resistance movements. The Germans could not prevent the destruction of their new arsenal on 2 December at the Bonne Barracks. After the Normandy landing, resistance operations reached their peak, with numerous attacks considerably hampering the activity of German troops. With the landing in Provence, German troops evacuated the city on 22 August 1944. On 5 November 1944, General Charles de Gaulle came to Grenoble and bestowed on the city the Compagnon de la Libération in order to recognise \"a heroic city at the peak of the French resistance and combat for the liberation\".\nIn 1955, future physics Nobel prize laureate Louis Néel created the Grenoble Center for Nuclear Studies (CENG), resulting in the birth of the Grenoble model, a combination of research and industry. The first stone was laid in December 1956.\nIn 1968 Grenoble welcomed the Xth Olympic Winter Games. This event helped modernize the city with the development of infrastructure such as an airport, motorways, and a town hall. It also helped develop new ski resorts like Chamrousse, Les Deux Alpes, and Villard-de-Lans.\nExcept for a few dozen houses on the slopes of the Bastille hill, Grenoble is exclusively built on the alluvial plain of the Isère and Drac rivers at an altitude of 214 metres (702 ft). As a result, the city itself is extremely flat. Mountain sports are an important tourist attraction in summer and winter. Twenty large and small ski resorts surround the city, the nearest being Le Sappey-en-Chartreuse, which is about 15 minutes' drive away.\nHistorically, both Grenoble and the surrounding areas were sites of heavy industry and mining. Abandoned mills and factories can be found in small towns and villages, and a few have been converted to tourist attractions, such as the coal mine at La Mure.\nGrenoble itself has an oceanic climate (Köppen climate classification Cfb) with no obvious dry season.\n|Climate data for Grenoble-St Geoirs (1981–2010 averages)|\n|Record high °C (°F)||17.3\n|Average high °C (°F)||5.9\n|Average low °C (°F)||−1.2\n|Record low °C (°F)||−27.1\n|Average precipitation mm (inches)||61.3\n|Average precipitation days||9.4||8.0||9.4||9.7||11.0||8.5||6.2||7.4||7.7||10.1||9.6||9.5||106.4|\n|Average snowy days||7.7||6.0||4.5||2.1||0.1||0.0||0.0||0.0||0.0||0.1||2.6||4.9||28.0|\n|Average relative humidity (%)||83||80||76||73||75||74||70||72||79||83||84||84||77.8|\n|Mean monthly sunshine hours||95.0||111.7||169.8||183.0||219.2||255.4||289.8||255.5||193.1||137.5||84.5||71.6||2,065.9|\n|Source #1: Météo France|\n|Source #2: Infoclimat.fr (humidity, snowy days 1961–1990)|\nThe Bastille, an ancient series of fortifications on the mountainside overlooking Grenoble on the northern side is visible from many points in the city. The Bastille is one of Grenoble's most visited tourist attractions and provides a good vantage point over the town below and the surrounding mountains.\nAlthough the Bastille was begun in the Middle Ages, later years saw extensive additions, including a semi-underground defense network. The Bastille has been credited as the most extensive example of early 18th-century fortifications in all of France and then held an important strategic point on the Alpine frontier with the Kingdom of Savoy.\nThe first cable transport system, installed on the Bastille in 1875, was built by the Porte de France Cement Company for freight. This cable transport system connected a quarry on Mount Jalla, just over the bastille, and Grenoble. It was abandoned in the early 20th century\nSince 1934, the Bastille has been the destination of the \"Grenoble-Bastille Cable Car\". This system of egg-shaped cable cars known to locals as \"Les Bulles\" (the bubbles) provides the occupants with an excellent view over the Isère River. At the top are two restaurants and a small military museum on mountain troops (Musée des troupes de montagne).\nPalace of the Parliament of Dauphiné\nThis palace was constructed Place Saint Andre, around 1500 and extended in 1539. It was the location of the Parlement of Dauphiné until the French Revolution. It then became a courthouse until 2002. The left wing of the palace was extended in 1897.\nThe building now belongs to the Isère Council (Conseil Général de l'Isère). An ongoing renovation project will give this building a new life whilst preserving its patrimonial character and adding a modern touch.\nMuseum of Grenoble\nThe city's most prized museum, the Museum of Grenoble ((French) Musée de Grenoble), welcomes 200,000 visitors a year. The Museum of Grenoble is above all renowned for its collection of paintings that covers all the artistic evolutions. It was the first museum in France that opened its collections to modern artists, at the beginning of the 20th century. Since then its collection of modern and contemporary art has grown to become one of the largest in Europe. The painting holdings include artworks by painters such as Veronese, Rubens, Zurbarán, Ingres, Delacroix, Renoir, Gauguin, Signac, Monet, Matisse, Picasso, Kandinsky, Joan Miró, Paul Klee, Giorgio de Chirico and Andy Warhol. The museum also presents Egyptian antiquities as well as Greek and Roman artifacts. The Sculpture collection presents works by Auguste Rodin, Matisse, Alberto Giacometti and Alexander Calder. In April 2010, the prophetess of Antinoe, a 6th-century mummy discovered in 1907 in the Coptic necropolis of Antinoe in Middle Egypt, returned to the Museum of Grenoble, after more than fifty years of absence.\nSituated on the right bank of the Isère, on Place Saint-Laurent, the Grenoble Archaeological Museum presents the archaeological excavations done on its location. The vestiges date back all the way to the 3rd century AD and provide a timeline of the history of Christianity in the region. The museum is situated below a 12th-century Benedictine church, under which Jacques Joseph Champollion-Figeac, brother of famed egyptologist Jean-François Champollion, discovered a Roman church in 1803. It was one of the first classified monuments in France thanks to the intervention of Prosper Mérimée, historic monument inspector. Systematic excavations were conducted from 1978 to 2011, as part of a regional research program on the evolution of churches during the Middle Ages. After eight years of work, the museum reopened 6 May 2011.\nThe Grenoble townhall hosts a bust of Stendhal by sculptor Pierre Charles Lenoir\nEducation and science\nThe large community of both foreign students and foreign researchers prompted the creation of an international school. The Cité Scolaire Internationale Europole (CSI Europole) was formerly housed within the Lycée Stendhal across from the Maison du Tourisme, but later moved to its own building in the Europole district. In the centre of the city, two schools have provided education to the isérois for more than three centuries. The oldest one, the Lycée Stendhal, was founded in 1651 as a Jesuit College. In 1673 an astronomical and astrological sundial was created in the main building of the college, called \"horloge solaire\", which still can be visited today. The second oldest higher education establishment of Grenoble is the Lycée Champollion, completed in 1887 to offer an excellent education to both high school students and students of classes préparatoires.\nIn 1968, the university relocated to a main campus outside of the city in Saint Martin d'Hères (with some parts in Gières). However, smaller campuses remain downtown and in the northwestern part of the city known as the Polygone Scientifique (\"Scientific Polygon\").\nThe university consists of four separate institutions sharing the campus grounds, some buildings and laboratories, and even part of their administration:\n- Grenoble I – Joseph Fourier University (sciences, health, technologies)\n- Grenoble II – Pierre Mendès-France University (social sciences)\n- which includes the Institute of political studies\n- Grenoble III – Stendhal University (humanities)\n- Grenoble Institute of Technology (INPG or Grenoble-INP) is a federation of engineering colleges.\nCampuses of the École nationale de l'aviation civile (French civil aviation university), École d'Architecture de Grenoble ( School of Architecture of Grenoble) and Grenoble École de Management (management and business administration) are also located in Grenoble.\nThe city is an important university centre with over 54,000 students in 2013, of which 16% arrive from abroad.\nScience and engineering\nGrenoble is also a major scientific centre, especially in the fields of physics, computer science, and applied mathematics: Universite Joseph Fourier (UJF) is one of the leading French scientific universities while the Grenoble Institute of Technology trains more than 5,000 engineers every year in key technology disciplines. Grenoble's high tech expertise is organized mainly around three domains: information technology, biotechnologies and new technologies of energy.\nMany fundamental and applied scientific research laboratories are conjointly managed by Joseph Fourier University, Grenoble Institute of Technology, and the French National Centre for Scientific Research (CNRS). Numerous other scientific laboratories are managed independently or in collaboration with the CNRS and the French National Institute for Research in Computer Science and Control (INRIA).\nOther research centres in or near Grenoble include the European Synchrotron Radiation Facility (ESRF), the Institut Laue-Langevin (ILL), the European Molecular Biology Laboratory (EMBL), the Institut de radioastronomie millimétrique, one of the main research facilities of the Commissariat à l'Énergie Atomique (Nuclear Energy Commission, CEA), the LNCMI and the European branch of Xerox Research (whose most notable center was PARC). Leti and the recent development of Clinatec and Minatec, a centre for innovation in micro- and nano-technology, only increases Grenoble's position as a European scientific centre.\nMeanwhile, Grenoble has large laboratories related to space and to the understanding and observation of the universe as the Institut de radioastronomie millimétrique, the Institut de planétologie et d'astrophysique de Grenoble, the Laboratoire de physique subatomique et de cosmologie de Grenoble, the Institut Néel but also to a lesser extent the Institut des sciences de la Terre.\nIn order to foster this technological cluster university institutions and research organizations united to create the GIANT (Grenoble Innovation for Advanced New Technologies) Campus with the aim at becoming one of the world's top campuses in research, higher education, and high tech.\nThe city benefits from the highest concentration of strategic jobs in France after Paris, with 14% of the employments, 35,186 jobs, 45% of which specialized in design and research. Grenoble is also the largest research center in France after Paris with 22,800 jobs (11,800 in public research, 7,500 in private research and 3,500 PhD students).\nGrenoble is also renowned for the excellence of its academic research in humanities and political sciences. Its universities, alongside public scientific institutions, host some of the largest research centres in France (in fields such as political science, urban planning or the sociology of organizations).\nKnowledge and innovation community\nGrenoble is one of the leading European cities in term of high-tech industries, especially biotechnology and nanotechnology. World-renowned enterprises have settled in Grenoble and in the surrounding area such as Schneider Electric, Hewlett Packard, Caterpillar, and STMicroelectronics. Since 1993 Grenoble can be considered as an international city thanks to the World Trade Center of Grenoble.\n- The town was once famous for glove manufacturing, for which Xavier Jouvin introduced an innovative technique in the 19th century. A few small companies keep producing gloves for a very high end market.\n- In 2011, the largest employers in the Grenoble metropolitan area were:\n|Enterprise, location||Number of employees\n|STMicroelectronics, Grenoble and Crolles||5,979||Semiconductor manufacturing, R&D|\n|Schneider Electric, Grenoble agglomeration||4,915||Electrical equipment, R&D|\n|Caterpillar France, Grenoble and Echirolles||1,865||Construction of heavy equipment|\n|Hewlett Packard France, Eybens||1,814||Computer science|\n|Becton Dickinson, Pont-de-Claix||1,736||R&D and production of advanced systems for drugs administration|\n|Carrefour, Grenoble agglomeration||1,165||Hypermarkets|\n|Capgemini, Grenoble||1,100||Information technology consulting and IT service management|\n|Groupe Casino, Grenoble agglomeration||990||Supermarkets|\n|Samse, Grenoble agglomeration||965||Supplier of building materials|\n|Soitec, Bernin||952||Semiconductor manufacturer specialized in the production of SOI wafers|\nThe presence of companies such as HP or Caterpillar in the area has drawn many American and British workers to Grenoble, especially in the surrounding mountain villages. The region has the second largest English-speaking community in France, after Paris. That community has an English-speaking Church and supports the International School. A lot of these Americans, British, Australians etc. go to Grenoble with the intention of returning home after some time but the mountains and general life style keep them there. Some choose to put their children in the international school \"cité internationale\" and the \"American School of Grenoble\" is the alternative for those who prefer to have the core curiculum in English. With numerous associations like Open House, this large English speaking population organizes family events making life in Grenoble harder to turn away from.\nGrenoble hosted the 1968 Winter Olympics. The city is famous for many nearby ski resorts nestled in the surrounding mountains. Stade Lesdiguières is located in Grenoble and has been the venue for international rugby league and rugby union games.\n- Six-Days of Grenoble, a six-day track cycling race since 1971.\n- The via ferrata Grenoble is a climbing route located on the hill of the Bastille in Grenoble.\nThe abundance of natural sites around Grenoble as well as the particular influence of mountaineering practices and history make many Grenoble inhabitants very fond of sports and outdoor activities (e.g., mountain trails hiking, mountain bike, backcountry skiing, rock climbing, and paragliding). The Tour de France cycling race regularly passes through the city.\nWithin Grenoble, a comprehensive bus and tram service operates 26 bus routes and five tram lines and serves much of greater Grenoble. Being essentially flat, Grenoble is a bicycle-friendly city.\nThe Gare de Grenoble is served by the TGV rail network, with frequent high-speed services to and from Paris-Gare de Lyon, often with a stop at Lyon Saint-Exupéry Airport, but Grenoble is not directly on any high-speed line. TGVs can still run on the classic network and enable such connections. Local rail services connect Grenoble with Lyon, and less frequently to Geneva and to destinations to the West and South. Valence and Lyon to the west provides connections with TGV services along the Rhône Valley. Rail and road connections to the south are less developed.\nHighways link Grenoble to the other major cities in the area including the A48 autoroute to the northwest toward Lyon, the A49 to the southwest toward the Rhone valley via Valence, the A41 to the northeast toward Chambéry, the Alps, and Italy and Switzerland.\nA partial ring road around the south of the city, the Rocade Sud, connects the motorway arriving from the northwest (A48) with that arriving from the northeast (A41). A project to complete the ring road with a tunnel under the Bastille as part of the likely routes was rejected after its environmental impact studies.\nSince 1 October 2014, the city tested 70 electric vehicles to rent (I-Road of Toyota).\nGrenoble hosts several festivals: the Grenoble Jazz Festival in March, the Open Air Short Film Festival in early July, and the Cabaret Frappé music festival at the end of July.\nThe Summum is the biggest concert hall in Grenoble, and the most famous artists produce there. Another big hall, Le grand angle, is located nearby in Voiron. Smaller halls in the city include the Salle Olivier Messiaen.\nThe main cultural center of the city is called MC2 (for Maison de la culture, version 2), which hosts music, theater, and dance performances.\nThere are several theaters in Grenoble, the main one being Grenoble Municipal Theatre (Théatre de Grenoble). Others are the Théâtre de Création, the Théâtre Prémol, and the Théâtre 145. Grenoble also hosts Upstage Productions, which performs once a year through an exclusively English speaking troupe.\nThere are two main art centres in Grenoble: the Centre national d'Art contemporain (also called Le Magasin) and the Centre d'art Bastille.\nThe town also hosts an important comics publisher, Glénat.\nPeople from Grenoble\nAfter World War I, one street in the centre of Smederevska Palanka (Serbia) was named French street (Francuska ulica) and one street in Grenoble was named Palanka street(Rue de Palanka). There is also a Belgrade Street (Rue de Belgrade) near the Isère River.\nTwin towns and sister cities\nIn popular culture\n- In the BBC sitcom Only Fools and Horses, Derek \"Del Boy\" Trotter refers to Grenoble when he tries to speak French\n- The fictional Snowbelle City in the Pokémon franchise is based on Grenoble.\n- Arboretum Robert Ruffier-Lanche\n- Bishopric of Grenoble\n- Couvent des Minimes de Grenoble\n- List of mayors of Grenoble\n- Route Napoléon\n- Saint Roch Cemetery\n- INSEE commune file\n- This article incorporates text from a publication now in the public domain: Herbermann, Charles, ed. (1913). \"Grenoble\". Catholic Encyclopedia. New York: Robert Appleton.\n- This article incorporates text from a publication now in the public domain: Chisholm, Hugh, ed. (1911). Encyclopædia Britannica (11th ed.). Cambridge University Press.\n- \"Grenoble\". Collins Dictionary. n.d. Retrieved 24 September 2014.\n- Graff, James (22 August 2004). \"Secret Capitals\". Time. New York. Retrieved 29 October 2009.\n- Pentland, William (9 July 2013). \"World's 15 Most Inventive Cities\". Forbes. New York. Retrieved 16 July 2013.\n- \"Insee – Populations légales 2006\". Insee.fr. Retrieved 29 October 2009.\n- Petite histoire du Dauphiné , Félix Vernay, 1933, p18\n- Louis, Jaucourt de chevalier (1757). Grenoble. p. 942.\n- \"Musée Dauphinois\". Metrodoc.la-metro.org. Retrieved 12 May 2010.\n- Petite histoire du Dauphiné, Félix Vernay, 1933, p. 40.\n- Petite histoire du Dauphiné, Félix Vernay, 1933, p. 9.\n- Petite histoire du Dauphiné, Félix Vernay, 1933, p. 27.\n- Petite histoire du Dauphiné, Félix Vernay, 1933, p. 32.\n- Petite histoire du Dauphiné, Félix Vernay, 1933, p. 58.\n- Petite histoire du Dauphiné, Félix Vernay, 1933, p78\n- Petite Histoire du Dauphiné , Félix Vernay, 1933, p88\n- Histoire de Grenoble, Vidal Chaumel, Editions Privat, p.68,123,126,223\n- Petite histoire du Dauphiné, Félix Vernay, 1933, p97\n- Petite histoire du Dauphiné , Félix Vernay, 1933, p98\n- \"Il y a 250 ans naissait Joseph Chanrion (1756-1830)\" (PDF). Union de Quartier Mutualité-Préfecture.\n- Petite Histoire du Dauphiné, Félix Vernay, 1933,p115\n- Petite histoire du Dauphiné , Félix Vernay, 1933, p120\n- L’histoire de l'Isère en BD, Tome 5, Gilbert Bouchard, 2004\n- Grenoble, cœur de pierre, Françoise Goyet, Edi Loire, 1996, (ISBN 2840840464)\n- L’histoire de l'Isère en BD, Tome 5, Gilbert Bouchard, 2004, p40\n- fr:Exposition internationale de la houille blanche#Les chiffres\n- L’histoire…, Tome 5, Gilbert Bouchard, 2004, p45\n- \"Order of the Liberation\". Web.archive.org. Archived from the original on 20 October 2007. Retrieved 12 May 2010.\n- \"Ordre de la Libération\". Web.archive.org. 25 February 2008. Archived from the original on 25 February 2008. Retrieved 12 May 2010.\n- \"Grenoble en concurrence avec Lyon\". Université Lyon 2. Retrieved 3 May 2012.\n- Petite histoire du Dauphiné, Félix Vernay, 1933, p. 67.\n- \"Données climatiques de la station de Grenoble\" (in French). Meteo France. Retrieved December 27, 2015.\n- \"Climat Rhône-Alpes\" (in French). Meteo France. Retrieved December 27, 2015.\n- \"Normes et records 1961-1990: Grenoble-St Geoirs (38) - altitude 384m\" (in French). Infoclimat. Retrieved December 27, 2015.\n- \"Bienvenue sur www.bastille-grenoble.com\". Bastille-grenoble.fr. Retrieved 2014-04-09.\n- General Council of the department of Isere (french) Archived 27 May 2012 at the Wayback Machine\n- \"Musée archéologique St Laurent\". Musee-archeologique-grenoble.com. Retrieved 4 April 2011.\n- \"Tourism office - patrimoine religieux\". Retrieved 14 March 2013.\n- \"Pôles de compétitivité\". Mairie de Grenoble.\n- See official website at the Wayback Machine (archived December 29, 2007)\n- \"La mission de la sonde Rosetta prolongée jusqu'en septembre 2016\". francetvinfo.fr. 2015-06-29. Retrieved 2015-08-30.]\n- \"Official website of the GIANT Innovation Campus\". Giant-grenoble.org. Retrieved 2015-08-30.\n- \"Official website of Grenoble École de Management\". http://en.grenoble-em.com. Retrieved 2015-08-30. External link in\n- \"Insee – Territoire – Répartition géographique des emplois – Les grandes villes concentrent les fonctions intellectuelles, de gestion et de décision\". Insee.fr. Retrieved 12 May 2010.\n- \"Chiffres clés Grenoble-Isère édition 2011\" (PDF). AEPI.\n- \"European Institute of Innovation and Technology: Home\". Europa (web portal). Retrieved 12 May 2010.\n- \"欧州の補習授業校一覧（平成25年4月15日現在）\" (Archive). Ministry of Education, Culture, Sports, Science and Technology (MEXT). Retrieved on May 10, 2014. \"Ecole Complementaire de Grenoble École Elementaire Mi-Plaine 12 Rue des Aiguinarcls 38240 Meylan, FRANCE\"\n- A. Doyon, Xavier Jouvin, inventeur grenoblois et sa famille, Paris, Dayez ed., 1976\n- \"Les Les entreprises récompensées\". Grenoble.cci.fr. Retrieved 2012-07-26.\n- \"Comptable à Grenoble, Isère (38)\". Comptable-grenoble.com. Retrieved 29 October 2009.\n- \"Grenoble, France's Second Largest English Speaking Community\". Check date values in:\n|access-date=(help); External link in\n- \"Mentions obligatoires.\" Glénat. Retrieved on 1 May 2011. \"GLENAT Editions SA 37, Rue Servan BP 177 38008 GRENOBLE CEDEX 1\"\n- The web site of the Rocade Nord lists the two preferred routes, both of which pass under the Bastille: http://www.rocade-nord.fr/index.php?id=163\n- Annecybernard – Conception et Design Olivier Bellon, Programmation Frederic Chatel. \"Noix De Grenoble AOC CING Comité Interprofessionnel\". Aoc-noixdegrenoble.com. Retrieved 29 October 2009.\n- Jérôme Steffenino, Marguerite Masson. \"Ville de Grenoble – Coopérations et villes jumelles\". Grenoble.fr. Retrieved 16 May 2013.\n- \"List of Twin Towns in the Ruhr District\" (PDF). © 2009 Twins2010.com. Retrieved 28 October 2009. External link in\n- \"Oraşe înfrăţite (Twin cities of Minsk) [via WaybackMachine.com]\" (in Romanian). Primăria Municipiului Chişinău. Archived from the original on 3 November 2012. Retrieved 2013-07-21.\n- \"Oxford's International Twin Towns\". Oxford City Council. Archived from the original on 2013-08-17. Retrieved 2013-09-03.\n- \"British towns twinned with French towns\". Archant Community Media Ltd. Retrieved 2013-07-11.\n- \"Phoenix Sister Cities\". Phoenix Sister Cities. Archived from the original on 2013-07-24. Retrieved 2013-08-06.\n|Wikimedia Commons has media related to Grenoble.|\n|Wikivoyage has a travel guide for Grenoble.|\n- Grenoble Chamber of Commerce and Industry\n- Grenoble City website (French)\n- Official tourism office of Grenoble at the Wayback Machine (archived May 23, 2008)\n- Semitag – Transports de l'agglomération grenobloise (French)\n- Comptable Grenoble le site spécialisé pour l'agglomération grenobloise (French)\n- Remembering Grenoble Photography Exposition (English)", "label": "No"}
+{"text": "The Ministry of Agriculture in Kenya has developed protocols and guidelines to facilitate operations within the food supply chain. According to the Ministry, there is need to address the emerging food security concerns brought about by the measures set to limit factors that may aggravate the spread of the COVID—19 virus. The Ministry therefore feels there is need to manage the food supply chain by ensuring availability, accessibility and affordability of adequate and nutritious food for all Citizens.\nAgriculture CS Peter Munya had recently promised to release the guidelines to avoid confusion in the sector as the country battles the COVID-19 pandemic.\nVarious measures introduced in order to curb the spread of COVID-19 virus have affected agriculture activities in one way or another. The curfew that was imposed from 7 pm to 5 am means markets have to close early while the need to keep a social distance means the number of traders has to reduce in the markets. The order restricting movement has also caught up with various actors in the food supply chain despite of them being exempted from it. This is because the food supply chain consists of various players and some didn’t know how they are supposed to operate under the new measures. Some of these players include dealers in farm inputs, production, trade, processing, transport, logistics and handling and consumption.\nThe guidelines are set divided into three. Those for farmers and County government extension staff, those for traders & operationalization of food supply chain markets and the protocols and guidelines for food transporters.\nIf implemented, market traders will stop paying fees while food transporters will no longer pay cess charged at barriers erected by County governments.\nGuidelines for farmers and County government extension staff\n- Extension staff to use available channels to sensitize farmers on food production to ensure continuity of agricultural activities during the long rains season.\n- Extension staff to sensitize farmers on good agricultural practices, sanitary and phytosanitary measures in food production (e.g. safe use of chemicals, use of certified seeds, use of well decomposed manure, proper and timely use of fertilizers).\n- Extension staff to sensitize farmers to carry out continuous surveillance and reporting on the locust invasion and other strategic pests (e.g. fall army worm, maize lethal necrosis disease) to the Government.\n- Extension staff to sensitize farmers/food producers against hoarding of produce to ensure no break in supply to the markets, producers and processors.\n- Extension staff to create awareness on safe storage of food commodities to reduce post—harvest losses and sensitize community food storage operators to adhere to recommended sanitary and food safety measures.\n- Extension staff to sensitize households on nutrition related interventions and to minimize food wastage during preparation.\n- Extension staff to sensitize households to observe recommended sanitary measures and as much as possible consider use of online digital technologies for food procurement and home deliveries to minimize interactions and possible spread of COVID 19 virus.\nGuidelines for traders & operationalization of food supply chain markets\n- County Governments to establish main workforce required to sustain food supplies (municipal market operators, transporters and handcart movers)\n- County Governments to sensitize workforce handling food supplies on COVID-19 and provide such workforce with necessary certification to operate.\n- Plan for decentralization of markets to reduce travel and over-crowding\n- To facilitate operations by roadside vendors, County Governments to designate spaces for market operations with entry & exit points (e.g. Schools, Stadium) and provide adequate sanitation facilities i.e. hand washing points\n- To facilitate operations within open air markets, County Governments to consider waiving fees charged in these markets.\n- Where markets have been temporarily closed, County Governments to provide alternative space for operations. Closure of food markets to be done in collaboration with the Ministry of Health.\n- County Governments to collaborate with market service providers and set up systems to monitor food prices and report prices of key commodities in major markets on daily basis. In addition, they should organize market operations to facilitate movement and selling of agricultural produce in major markets.\n- County Governments to sensitize food supply chain service providers to observe recommended sanitary measures and as much as possible consider use of online digital technologies for food procurement and home deliveries to minimize interactions and possible spread of COVID 19 virus.\n- County Governments to collaborate with the National Police Service and National Government Administration to facilitate security in designated markets and food marketing premises for smooth operations during the period.\n- Set up a local response unit between county staff, vendors’ representatives and security personnel and encourage them to use mobiIe/Whatsapp groupings\n- Ensure vendors are mobile-money operational.\n- Set up site security and control to control looting and any contaminations.\n- Mark out circulation route and enforce on the same.\nProtocols and guidelines for food transporters\n- County Governments to create awareness for commercial transport operators to fumigate and sanitize trucks and packaging materials used in food distribution in accordance with existing Ministry of Health regulations and East African Community Guidelines on free movement of goods.\n- County Governments to create awareness for commercial transport operators to use recommended packaging materials for food handling and distribution in accordance with existing Ministry of Health regulations.\n- County Governments to consider waiving Cess charged on road blocks & erected barriers to ease transportation to reduce the cost of food.\n- County Governments to sensitize motorcycles, animal drawn power operators & hand carts operators to use recommended equipment to transport food commodities in collaboration with other relevant organizations.\n- County Governments to create awareness for motorcycles, animal drawn power & hand carts operators to observe hygiene including sanitizing personnel & equipment used in food handling and transportation.\n- County Governments to create awareness that all commercial transportation trucks have a maximum of two (2) cargo crew consisting of the driver and the loader.\n- County Governments to create awareness for commercial transporters to ensure screening of the cargo crew from the point of departure or in designated screening points along the transit routes.", "label": "No"}
+{"text": "(Click images to download intervention strategies!)\nActivities to Try at Home\nThese activities promote positive mental health via experiences that can be shared within families. Click the pictures to open the PDFs and feel free to share with others!\nMental Health Facts\nWhen looking at an individual child's mental health, getting perspective on mental health facts can aid in knowing what steps to take. Click the image below to see some statistics on children and mental health.", "label": "No"}
+{"text": "4.6. Potential Evolutionary Transitions\nFornax is the second most luminous dSph galaxy in the Local Group. The young age of its youngest measurable population (~ 200 Myr, Grebel & Stetson 1999) is astonishing considering its lack of gas. Just a few hundred Myr ago Fornax would have been classified as a dIrr. What caused Fornax to lose all of its gas after some 13 Gyr of continuous, decreasing star formation is not clear.\nThe presence of intermediate-age populations in some of the more distant Galactic dSphs, the possible detection of associated gas in the surroundings of several of them, indications of substantial mass loss discussed elsewhere in this paper, morphological segregation, common trends in relations between their integrated properties, and the apparent correlation between star formation histories and Galactocentric distance all seem to support the idea that low-mass dIrrs will eventually evolve into dSphs if their environment fosters this evolution. DSphs may be the natural final phase of low-mass dIrrs, and the type distinction may be artificial. The six dSph companions of M31 span a similar range in distances as the Milky Way dSphs (Grebel & Guhathakurta 1999). A study of whether their detailed star formation histories (not yet available) show a comparable correlation with distance from M31 would provide a valuable test of the suggested impact of environment.\nThe mass (traced by the luminosity) of a dwarf galaxy plays a major role in its evolution as indicated by the good correlation between luminosity and mean metallicity (e.g., Caldwell 1999). The observed lack of rotation in dSphs requires that its hypothesized low-mass dIrr progenitor must have gotten rid of its angular momentum, which may occur through substantial mass loss. However, this scenario does not account for the existence of isolated dSphs such as Tucana. Alternatively, the progenitor may have had very little rotation to begin with. Either way, the subsequent fading must have been low since otherwise dIrrs and dSphs would not follow such a fairly well-defined common relation. Several authors (e.g., Mateo 1998) suggested that the luminosity-metallicity relation is instead bimodal with separate loci for dIrrs and dSphs in the sense that at a given luminosity a dIrr tends to be more metal-poor than a dSph, excluding evolutionary transitions. Hunter, Hunsberger, & Roye (2000) go a step further and suggest that a number of Local Group dIrrs might have formed as ancient tidal dwarfs that lack dark matter, are essentially non-rotating, and contribute to the increased scatter in the absolute magnitude-mean metallicity relationship for MB < -15 mag.", "label": "No"}
+{"text": "The principle of paradigms was made popular by the book, “The Seven Habits of Highly Effective People,” by Steven R. Covey.\nA paradigm is a person’s frame of reference. A person’s paradigm is how they see the world based on all the information that they have gathered and the beliefs that they possess.\nIf the universe is analogized to a computer processor, a paradigm is like the operating system. A paradigm can be upgraded with new information on how the principles of the universe work.\nMost people believe that their own paradigm is the only paradigm that exists. This is why two people with two paradigms can disagree with each other, and each one can logically explain why they are right. By the nature of duality, it is easy to declare one person “right” and the other person “wrong.” Relativism tells us that each person is right within their own frame of reference.\nParadigm changes tend to come in emotional, “ah-ha” moments, that change the way a person sees things. Their “operating system” has upgraded, allowing them to understand things in a new light.\nIt is important to realize that people operate in different paradigms. When two people disagree, their paradigms are at odds. If they would take the time and energy to understand the other person’s frame of reference, they might be able to get on the same page.", "label": "No"}
+{"text": "What does a Mouth Swab look like?\nA mouth swab is similar to a cotton bud with a cotton-ended part on a single end of the stick. The swabs are sent to you in sterile packaging and it is crucial to handle them in a clean environment with clean hands.\nTips for Successful Saliva Sampling:\n- Follow the instructions provided carefully.\n- It is important to make sure that the swab sample is correctly labelled with the name of the donor and any other information requested.\n- To avoid contamination of the sample it is of utmost importance not to touch the cotton ended part of the swab and to keep swabs from different test participants separate.\n- We provide 4 swabs for each person. Make sure to use all 4.\n- Avoid eating, drinking and smoking for one or two hours before sampling as food and drink may compromise the quality of the sample. You may drink water.\nIn the case of infants requiring their mouths to be swabbed, again it is important that at least an hour has elapsed since the infants’ last feed and to rinse their mouth with lukewarm water prior to rubbing the swab inside their mouth.\nUsing Mouth Swabs\nYou will find 2 pairs of swabs enclosed in paper envelopes. Remove the swabs from inside the envelope. Each pair of swabs is in turn sealed in a wrapper. Remove and discard the wrapper ensuring to keep the swabs and the envelopes.\nComplete the required information on the swab envelopes. You may fill out all the required details, making sure to write everything legibly and in block capital letters. The larger envelope also contains a consent form.\nTake one of the 4 mouth swabs and rub it gently inside the mouth, under the tongue and against the cheek (always inside the mouth). You need to do this for 1 minute per swab. Repeat using remaining swabs, ensuring to swab all test participants and to use all the swabs.\nNow it’s time to let the swabs dry. In order to make sure there is no contamination from swabs belonging to different people coming into contact with each other, we suggest placing swabs from each test participant in separate, clean drinking glasses with the cotton ended part of the swab pointing upwards. Leave the swabs in this position for an hour. Once dry, place the swabs back into their respective envelopes.\nThe final stage is to get everything ready for posting. Place the envelopes containing the swabs into the larger pre-addressed envelope, include the completed consent form. Affix a postage stamp and send everything off for testing. We recommend using a tracked postal service or courier.\nOnce we Receive Your Samples\nOnce we receive your samples, we will send you a confirmation email and you will be given the date when your results will be completed. Results are issued by email as standard or by email and hard copy for an added cost.", "label": "No"}
+{"text": "This Jewish Chronicle article repeats the common myth that Muslims - in this case Libyan Berbers - are waiting 'to welcome Jews home'. Not a single Jew now lives in Libya - 90 percent left for Israel in 1948. In the mid-20th century, however, one in five Libyans was a Jew.\nIn Yefren, high in Libya's Nafusa mountains, a 2000-year-old shul is guarded by Muslims.\nIt is one of the seven Ghriba - \"wondrous\" - synagogues of the Maghreb. The most famous, in Djerba, Tunisia, attracts thousands each year to its magnificent 19th century building. By contrast, the tiny ancient Yefren shul is barely visited.\nIts quiet simplicity exudes a timeless mystery, a deep holiness. There are beautiful ceiling inscriptions. Six arches and six windows echo the Star of David. Tradition says it contains a stone from the Second Temple itself. And although Yefren's Jews are long gone, now that Gaddafi has fallen their former Muslim neighbours look forward to welcoming them back.\nThe history of the Jews of Libya is a long book, stretching back to the third century BCE. An important, often thriving community - in 1941 one in four of Tripoli's population were Jews - the recent chapters are darker, including the Italian colonists' antisemitic laws, the Tripoli pogroms of 1945 and 1948, the 1967 exodus, and the Gaddafi regime.\nMohamed Madi, guardian of the Yefren synagogue\nYet a different and precious tale threads through this narrative: the Berbers - who prefer to be called Amazigh, or \"free people\" - whose culture and language long pre-date Arab colonisation. The close friendship between the Amazigh and the Jews lies in a shared, ancient history, a chiaroscuro of joy and persecution.\nMohamed Madi is the latest of three generations who have secured the Yefren shul. His grandfather protected Yefren's Jews with a rifle in 1948. Under Gaddafi, his father secretly tended to the synagogue. The Madis also look after the rabbi's house. Such guardianship, he says, is about \"honour and respect for our neighbours, and for their religion\".\n\"We have a very good relationship with the Muslims of Yefren,\" says Jakov Guetta, grandson of Yefren's last rabbi, now living in Israel. \"The Amazigh are special people, good people. They protected the Jewish people from the Nazis in the war. We have had a very good relationship for hundreds of years.\" He recalls Yefren's Jewish history as one featuring \"powerful things, miracles, everything\".\nJews were 4% of the Libyan population in 1931: (with thanks: Michelle-Malca)\nThe Jewish Press has an article about Libya:\n\"In 1931 the Jewish population consisted of some 3,000 souls, versus a general population of 165,000. In great part they lived in humble circumstances.\nRead article in full\nRebels claim 'ancient synagogue destroyed'", "label": "No"}
+{"text": "ONLINE SAFETY RESOURCES\nThe internet is a great way for people to stay in touch with friends and family, and access information and educational content. While these benefits are valuable, it is important to remember that this global access can expose potential dangers. From cyberbullying and photo sharing to digital footprints and online safety, the following links provide parents with guidelines and resources to be used with children. These online resources allow parents to take advantage of the helpful tips and resources to further your investigation of online safety, so you and your family can experience all the benefits of technology and ensure you have done what you can to be safe in this ever-changing online world.\nBy clicking the links above, you are leaving the Franklin Special School District web site. The district is not responsible for the content. Further, the FSSD is not responsible for the links contained within the outside site, or any changes or updates to linked sites. The listed site and the links contained therein are offered to you only as a convenience and do not imply endorsement of the site by the FSSD.", "label": "No"}
+{"text": "Many disruptions of consciousness, such as those seen in the amnesic syndrome, blindsight, anesthesia, and sleep, are associated with clear alterations in the structure and/or function of the nervous system. However, there are other, \"functional\" alterations in consciousness where nervous-system changes are absent -- or, at least, much more subtle.\nHistorically, the most prominent of these \"functional\" disorders of consciousness have been subsumed under the label of \"hysteria\" -- a term that was very popular in psychiatric diagnosis well into the 20th century. The term itself has been abandoned in the \"official\" nomenclature, represented by the American Psychiatric Association's Diagnostic and Statistical Manual (DSM; since the 2nd edition), along with other terms that carry the flavor of psychoanalysis, such as neurosis and psychosis. However, once shorn of its sexist implications (i.e., that hysteria is a \"women's mental illness\"), the concept itself is perfectly legitimate. No opprobrium should surround the continued use of the term, so long as it's used responsible.\nFinally, in 1907, Pierre Janet\n(Charcot's protege and Sigmund Freud's early rival) argued\nthat the symptoms of hysteria involved a constriction of\nawareness, such that complex behavioral responses (what Janet\ncalled psychological automatisms) were executed\noutside of conscious awareness and control. In Janet's\nview, these automatisms were \"split off\", from the normal\nstream of consciousness.\nJanet (1904, 1907) illustrated his theory with the case of Irene, who is amnesic for her mother's illness and death, but who re-enacts in \"somnambulistic\" episodes the circumstances of her mother's death.\n\"Allow me to represent to you this system of psychological facts, which constitutes an idea, by a system of points connected together by some lines, forming a sort of polygon. The point S represents the sight of the face of the dead mother, the point V is the sound of her voice; another point M, is the feeling of the movements made to carry up the body, and so on. This polygon is like the system of thoughts which was developed in the mind and in the brain of our patient Irene. Each point is connected with the others, so one cannot excite the first without giving birth to the second, and the entire system has a tendency to develop itself to the utmost.\n\"But at the same time in healthy minds these systems pertaining to each idea are connected with an infinitely wider system of which they are only a part, -- the system of our entire consciousness, of our entire individuality. the remembrance of the mother's death, even the affection Irene feels for her mother, with all the memories that are connected with it, forms only a part of the whole consciousness of the young girl with all its memories and other tendencies. Let this large circle, P, near the little polygon represent the whole personality of the girl, the memory of all that happened in her previous life.\n\"Normally, in good health, the little system must be connected with the large one, and must in great part depend on it. Generally the partial system remains subject to the laws of the total system: it is called up only when the whole consciousness is willing, and within the limits in which this consciousness allows it.\n\"Now, to picture to ourselves what has taken place during somnambulism, we may adopt a simple provisional resume. Things happen as if an idea, a partial system of thoughts, emancipated itself, became independent and developed itself on its own account. The result is, on one hand, that it develops far too much, and, on the other hand, that consciousness appears no longer to control it\" (1907, pp. 41-42).\nSigmund Freud offered an alternative\nview. In his Studies on Hysteria (1893-1895),\nco-authored with Josef Breuer, Freud had asserted that\n\"hysterics suffer from reminiscences\" -- that the symptoms of\nhysteria are symbolic representations of traumatic experiences\nwhich are not consciously remembered; and that hysteria could\nbe cured by restoring conscious access to the traumatic\nhis 1896 paper \"On the Etiology of Hysteria\", Freud (no longer\nwriting with Breuer) elaborated on this view, based on his\ndoctrine of repression, and involving a particular\nchain of memories (the graphic illustrating the theory is from\nEllenberger, 1970, p. 489).\nFreud's claim that all hysterical patients had been seduced as children made him famous -- and it formed the basis for modern theories of the role of childhood sexual abuse in the dissociative disorders. But in less than a year, Freud was forced to admit, in a letter to his friend and colleague Wilhelm Fliess, that he had been misled, and that his patients' accounts of their childhood seductions had been fantasies on their part (it never occurred to Freud that they had actually been fantasies on his part!). This realization set the stage for Freud's revised (1905) theory of infantile sexuality -- the idea that children harbor erotic attachments to their parents of the opposite sex, and that it is these fantasies, rather than actual sexual trauma, that are repressed.\nModern psychiatric practice no\nlonger employs the term \"hysteria\", but does include a\ncategory of dissociative disorders including\npsychogenic (functional) amnesia (named \"dissociative amnesia\nin DSM-5, the most recent version of the Diagnostic\nand Statistical Manual of Mental\nDisorders), psychogenic (dissociative) fugue,\nmultiple personality disorder (also known as dissociative\nidentity disorder), and depersonalization/derealization\ndisorder. In these syndromes, the terms \"psychogenic\",\n\"functional\", and \"dissociative\" are used pretty much\ninterchangeably. In what follows, I adopt the usage in DSM-5.\nAll the dissociative disorders share in\ncommon a disruption in memory and/or identity.\nMore (Much More!) on the Dissociative Disorders\nFor more thorough coverage of these syndromes, including a history of the diagnosis, see the papers on Dissociation and Dissociative Disorders collected on my scholarly website.\nSome psychiatrists claim that the dissociative disorders occur in response to physical or psychological trauma, marking them as a variety of post-traumatic stress disorder (PTSD). However, the traumatic etiology of the dissociative disorders is controversial, and far from proven. For detailed coverage of this issue, see the papers on Trauma and Memory collected on my scholarly website.\nAnd some commentators suggest that people diagnosed with\ndissociative disorder are just faking it -- enacting a\ncultural role in order to gain some reward.\nCertainly the most famous case of\nmultiple personality disorder was The Three Faces of Eve,\ndescribed by Thigpen and Cleckley -- first in a professional\njournal article (1954), and later in a popular-press book\n(1957) that was turned into a move which won an Oscar for\nJoanne Woodward. Eve White, the \"host\" personality, was\na somewhat reserved rural Georgia housewife who suffered from\n\"blackouts\". During clinical evaluation, a much more\nvivacious personality emerged, \"Eve Black\", who apparently had\nawareness and control of Eve White's actions during those\nblackout periods. For example, once Eve Black orderd a\nslinky negligee; it's arrival in the mail surprised Eve White\n(and disconcerted her husband). A third personality,\n\"Jane\", emerged during therapy. \"Eve White\" had no\nawareness of \"Eve Black\" or \"Jane\". \"Eve Black\" knew all\nabout \"Eve White\", but nothing about \"Jane\". \"Jane\" knew\nfamous case, Jonah (Ludwig et al., 1972), there were four\npersonalities: Jonah, also known as \"The Square\", was the host\npersonality, an African-American soldier based in the United\nStates, very shy, retiring, and sensitive; he, too, complained\nof \"blackout\" periods, where he evidently did things that he\ncouldn't remember later. \"Sammy\", \"The Lawyer\", was\nrather intellectual, and rational. \"King Young\", \"The\nLover\", was a pleasure-oriented glib talker. \"Usoffa\nAbdulla, the Son of Omega\", \"The Warrior\", was cold,\nbelligerent, and angry. Jonah would go out for a night\non the town with his barracks-mates; King Young would try to\npick up women; Sammy would try to talk his way out of the\ninevitable confrontation with their dates; if that failed\nUsoffa Abdullah would fight his way out of trouble.\nJonah didn't know about any of these other personalities, and\nthey had limited knowledge of each other, but they all knew\nI.C., a case that my\ncolleagues and I had an opportunity to study, also showed a\ncomplex pattern of amnesia. She was a 24-yer-old woman,\na world-class performer in her field, who was referred for\n\"disorganized\" and self-injurious behavior. As with Eve\nWhite, it turned out that there were several other\npersonalities involved: There was \"I.C.\" herself (named for\nIrene Coriot, another famous case of multiple personality,\nfrom the 19th century), married and a mother; \"Heather\" was\nstill an adolescent; \"Joan\" was a lesbian; and \"Gloria\" was a\ndrug abuser. \"I.C.\"'s memories were accessible to\neveryone else, but \"I.C.\" knew nothing about the others --\nthough the others knew about each other.\nFormal testing of I.C. focused on the \"Crovitz-Galton technique\", pioneered by Sir Francis Galton (Darwin's half-cousin) and developed further by Herbert Crovitz, an American psychologist, in which a familiar word (e.g., car or dance) is used as a cue for the retrieval of a specific autobiographical memory (e.g., \"I remember when my father brought home a new car, a 1955 Plymouth sedan with salmon-pink trim\"; \"I remember taking Sharon E. to my first school dance in 8th grade\"). Because of difficulties gaining access to I.C.'s alter egos, testing focused on I.C., the host personality, herself. We also tested a group of age-matched normal women.\n|When tested at age 24, I.C. had virtually no memories from the first 14 years of her life, compared to controls|\n|In another session, we constrained her recall to events occurring before age 12. She was able to produce some memories from ages 10-12, but not from earlier ages.|\n|Her earliest recollection of herself was dated to age 12, compared to the more usual dating of about age 4. Her earliest memory of her father was dated age 16.|\nBased on these findings, we speculated that, perhaps, what we thought was the \"host\" personality was actually an alter ego that began to emerge around age 12. Unfortunately, we were unable to do further follow up testing with this patient.\nThe interpersonality amnesia in MPD/DID is usually assessed in terms of explicit memory. However, there is some evidence that implicit memory can \"transfer\" between personalities. For example, of Jonah, the case described earlier, had been given some laboratory tests of memory, which confirmed his interpersonality amnesia with tests of recall, but showed some interpersonality transfer of memory on tests of savings in relearning (Ludwig et al. 1972).\nA dramatic example of preserved implicit memory occurred in the case of \"Jane Doe\", a British woman who was discovered by the police disheveled and wandering the streets (Lyon, 1985). She could not identify herself, and she had no identification and no autobiographical memory. During her clinical evaluation the psychologist tested her fund of semantic and procedural knowledge. He pointed to the telephone on his desk, and asked her what it was. When she responded correctly, he asked her to show her how it was used. She dialed a number and -- before she could replace the receiver on the cradle -- the psychologist took the phone to talk to whoever answered on the other end. That turned out to be the victim's mother. Jane Doe lacked conscious awareness of her memory and identity, but her procedural knowledge -- including how to dial her mother's phone number -- remained intact.\nBecause MPD/DID is so rare, most experimental\nstudies have been confined to single cases, like Eve, or\nJonah, or I.C. But a study by Eich et al. (1997),\ncompared explicit and implicit memory in a substantial number\nof such patients. The general design of the study was to\npresent some information to one alter ego (call it P1), and\nthen test memory for that information in the same and a\ndifferent alter ego (call the latter P2). The results\nwere ambiguous. Eich et al. found no interpersonality\npriming on a test of stem-completion. But they did find\nsome evidence of transfer on a test of picture-fragment\nidentification. On this test, subjects are presented\nwith a very fragmentary picture of an object, and over trials\nfurther details are added until they can correctly identify\nThe conversion disorders\ninvolve \"pseudoneurological\" symptoms affecting sensation and\nvoluntary motor behavior.\nIn all cases, neurological examination reveals\nno rain insult, injury, or disease that can account for the\nAs with the dissociative disorders affecting memory and identity, the conversion disorders are sometimes referred to as \"psychogenic\" deafness (or whatever), because they presumably have psychological, rather than organic, causes (if they were caused by some form of peripheral or central nerve damage, they would be seen by neurologists, not psychologists). These symptoms are also functional in nature,Under the label of \"hysteria\", the covnersion disorders are among the oldest known mental illnesses, but psychiatry has never known quite what to do with them (Kihlstrom, 1994). The earliest editions of the DSM simply put them under the category of hysteria (where they belonged). But more recently, they have been ensconced in categories like \"medical symptoms without known cause\". In DSM-5, they are listed under a catch-all category of \"Somatic Symptom and Related Disorders\".\nHowever, the conversion disorders\nshould be distinguished from other that also involve\ncomplaints of bodily dysfunction.\nWhat sorts of changes? In the classical instance, the conversion disorders seem to involve a dissociation between explicit and implicit perception. For example, \"hysterically\" blind patients are commonly found to be responsive to visual stimuli, even though they are not aware of them. This was noted by Charcot and Janet, as long ago as the19th century -- for example, in Janet's treatise on the Major Symptoms of Hysteria.Early evidence of visual processing came from a classic study of \"hysterical\" blindness by Brady & Lind (1961). The patient claimed total blindness, even though medical examination could find no organic pathology that would explain the complaint. As part of their assessment and treatment of the problem, Brady and Lind employed an instrumental conditioning procedure known as the differential reinforcement of low rates (Brady was a psychiatrist who was an early advocate of behavior therapy). The patient was instructed to push a button once within a certain interval, every 18-21 seconds; if he succeeded, a buzzer went off, and he received immediate social approval and accumulated points toward hospital privileges. This is not easy -- not least, because the patient wasn't told precisely what the target interval was; but also because that's a fairly long period of time.\nJust as there is some degree of implicit memory in MPD/DID, so there appears to be some degree of implicit perception in visual conversion disorder.\nIn the final analysis, the dissociative disorders all seem to\nshare the following features:\nThis page last revised 02/26/2017.", "label": "No"}
+{"text": "Kiva Lending Team: Abraham Lincoln\nWe loan because...\nWe want to help our fellows on planet earth.\nWe are friends and fans of Ab Lincoln. Abraham Lincoln (February 12, 1809 – April 15, 1865) served as the 16th President of the United States from March 1861 until his assassination in April 1865. He successfully led the country through its greatest constitutional, military and moral crisis—the American Civil War--by preserving the Union by force while ending slavery and promoting economic modernization. Reared in a poor family on the western frontier, he was mostly self-educated.\nHe became a country lawyer, an Illinois state legislator, and a one-term member of the United States House of Representatives, but failed in two attempts at a seat in the United States Senate. He was an affectionate, though often absent, husband, and father of four children.\nLincoln was an outspoken opponent of the expansion of slavery in the United States, which he deftly articulated in his campaign debates and speeches. As a result, he secured the Republican nomination and was elected president in 1860.\nAfter war began, following declarations of secession by Southern slave states, he concentrated on both the military and political dimensions of the war effort, seeking to reunify the nation. He vigorously exercised unprecedented war powers, including the arrest and detention, without trial, of thousands of suspected secessionists. He issued his Emancipation Proclamation in 1863, and promoted the passage of the Thirteenth Amendment to the United States Constitution, abolishing slavery.\nLocation: Sandy, Utah\n0 messages. Join the team to get in on the action!\nThis team has not made any loans in the past 90 days that are currently raising funds. Check back soon or make a loan!\nHave feedback on lending teams? Click here.", "label": "No"}
+{"text": "Have you heard about erupting volcanoes in Costa Rica?\nAlthough several of our country’s 112 volcanoes still occasionally belch a bit of vapor and gas, only five volcanoes have actually erupted in the last 500 years since the Spaniards first colonized Costa Rica. The most active volcanoes today are: Poás, Turrialba, Rincón de la Vieja, Arenal, and Irazú.\nArenal and Irazú have erupted periodically in recent years, but as of this writing, just three are actively erupting—Poás, Turrialba, and Rincón de la Vieja.\nCosta Rica’s volcanoes tend to emit mostly ash; lava flows are rare. However, the risks of toxic gases, lahars (mudflows), and ejected incandescent rocks can be high in the immediate areas surrounding the volcanoes. Therefore, parks and access roads around all three are currently closed to the public until further notice.\nAlthough the volcanoes do not represent a danger to anyone outside the restricted areas, sporadic ash fall can be a concern for sensitive individuals with breathing issues such as asthma .\nExperts at the Volcanological and Seismological Observatory of Costa Rica (OVSICORI) and other international agencies closely monitor conditions around all our active volcanoes to keep us informed of any significant changes.\nPredicting future activity of our volcanoes is impossible, of course, so don’t hesitate to contact us if you have additional questions. As always, if you feel compelled to cancel your reservations with us for any reason, there is never a fee to cancel or change your reservation if you have booked directly with us.\nPlease keep reading for specific information about the three erupting volcanoes.\nPoás volcano is situated near the western end of the Central Mountain Range, approximately 34 miles north of San José. Poás is visible from most of the central valley, and has been a major tourist attraction for decades.\nPrevailing winds prevent virtually all ash and gases from reaching San José, so the areas affected by this volcano are almost exclusively those directly below and to the west of the Poás.\nWith the exception of a handful of minor events, this volcano had not erupted since 1956. Poás began to rumble a bit in 2014, and this past April 2017, it announced its awakening with an impressive morning eruption consisting primarily of steam and gases. June and July 2017 eruptions have included sizeable chunks of incandescent rocks and reddish colored ash.\nTurrialba volcano is located approximately 35 miles east of San José at the eastern end of the Central Mountain Range. This is the volcano responsible for the current ash falls in the greater metropolitan area.\nAfter decades of scarce activity, it began coming to life around 1996. Eruptions began in earnest in 2009, although they were neither major nor continual. By 2010, however, Turrialba had entered a phase of active eruptions.\nIt continues to erupt almost daily, but ash fall is sporadic and rarely interferes with daily activities. Everything depends on the volume and power of a specific eruption, and the wind conditions at the moment of eruption.\nIn March of 2015, local airports were forced to shut down for over 36 hours due to heavy ash fall across the entire central valley. Airport closings of several hours have happened a few times in the last two years, but thankfully this does not occur on a regular basis.\nRincón de la Viejais located over 100 miles from San José at the northwestern end of the Guanacaste Mountain Range near the border with Nicaragua. This area is known for its hot springs, steam vents, and boiling mud pots. In fact, one of the largest geothermal energy projects in the world is found here.\nRincón de la Vieja has been fairly active since 2014, and the most recent eruptions occurred in June and July of 2017. Severe landslides and lahars have occurred with these eruptions, causing dangerous conditions in the valleys and rivers below.", "label": "No"}
+{"text": "Vaccinations For Kilimanjaro is one of the most effective ways to prevent diseases while Climbing Mount Kilimanjaro. A vaccine helps the body’s immune system to recognize and fight pathogens like viruses or bacteria, which then keeps us safe from the diseases they cause. Vaccines protect against more than 25 debilitating or life-threatening diseases, including measles, polio, tetanus, diphtheria, tetanus, typhoid and more.\nAre you sure of getting the good Knowledge about Vaccinations For Kilimanjaro, go through the below section or visit through our Kilimanjaro Faq’s Page.\nPrevent yourself from the unforeseen diseases with the must take vaccinations for Kilimanjaro\nWhat Injections Do You Need For Kilimanjaro\nThe injections or vaccinations you require are for Yellow Fever, Hepatitis A & B, measles, polio, tetanus, diphtheria, tetanus, typhoid, etc. to avoid the failure.\nCurrently, the majority of children receive their vaccines on time. However, nearly 20 million worldwide still miss out – putting them at risk of serious diseases, death, disability and ill health. So, it is advisable to take Recommended Vaccinations for Kilimanjaro.\nThe list of recommended vaccinationsfor East African travel is updated regularly by the (WHO). Your local healthcare practice will usually have an up to date list of Health & Vaccinations for Kilimanjaro.You can consult them.\n|Cholera||No longer recommended. Only necessary if travelling from infected countries.|\n|Diptheria & Tetanus||10 year booster||Recommended. Tetanus vaccinations last for ten years and are absolutely vital for visitors to Tanzania. The vaccination is usually given in combination with one for diphtheria. Once you’ve had five injections, you’re covered for life.|\n|Hepatitis A||Up to 10 years||Recommended. This debilitating disease of the liver is spread by contaminated water, or even by using cutlery that has been washed in this water. The latest inoculation involves two injections; the first will protect you for three years, the second, taken six to twelve months later, will cover you for ten years.|\n|Hepatitis B||For extended travel or high risk|\n|Polio||10 year booster||Recommended. The polio vaccine used to be administered by sugar-lump, making it one of the more pleasant inoculations, though these days it’s more commonly injected.|\n|Typhoid||Up to 10 years||Recommended. This disease is caught from contaminated food and water.|\n|Meningitis A & C||3 years||Long stay visitors, rural. This disease of the brain is often fatal, though the vaccination is safe, effective and lasts for three to five years.|\n|Rabies||Long stay visitors, rural travel. If you’re spending some time with animals or in the wilderness, it’s also worth considering having a course of rabies injections, though it isn’t pleasant.|\n|Yellow Fever||Up to 10 years||Recommended. Yellow fever is a viral illness that has caused large epidemics in Africa and the Americas and which is spread by the bite of a mosquito.|\nDo I Need Yellow Fever Vaccine for Kilimanjaro? Then, the respond should be ‘definitely yes’\nYellow fever is a viral infection spread by a particular species of mosquito common to areas of Africa. Vaccination is recommended before travelling to certain areas.\nMild cases cause fever, headache, nausea and vomiting. Serious cases may cause fatal heart, liver and kidney conditions. No specific treatment for the disease exists. Efforts focus on managing symptoms and limiting complications.\nIt is recommended to get a yellow fever vaccination certificate while you are traveling to Tanzania from Yellow fever effected country. Here we discussed some compulsory and recommended Vaccination for Kilimanjaro.\nHepatitis A is a highly contagious liver infection caused by the hepatitis A virus. Hepatitis A is preventable by vaccine. It spreads from contaminated food or water or contact with someone who is infected.\nSymptoms include fatigue, nausea, abdominal pain, loss of appetite and low-grade fever. The condition clears up on its own in one or two months. Rest and adequate hydration can help.\nHepatitis B is a serious liver infection caused by the hepatitis B virus that's easily preventable by a vaccine. This disease is most commonly spread by exposure to infected bodily fluids.\nSymptoms are variable and include yellowing of the eyes, abdominal pain and dark urine. Some people, particularly children, don't experience any symptoms. In chronic cases, liver failure, cancer or scarring can occur. The condition often clears up on its own. Chronic cases require medication and possibly a liver transplant.\nTetanus is a serious bacterial infection that causes painful muscle spasms and can lead to death. Tetanus is a potentially fatal bacterial infection that affects the nerves. A vaccine can easily prevent the infection, which has no cure.\nTetanus causes painful muscle contractions, particularly in the jaw and neck. It can interfere with the ability to breathe, eventually causing death. Treatment focuses on managing complications. It is not compulsory but recommended Vaccination for Kilimanjaro.\nTyphoid fever is an infection that spreads through contaminated food and water. Vaccines are recommended in areas where typhoid fever is common.\nSymptoms include high fever, headache, stomach pain, weakness, vomiting and loose stools. Treatment includes antibiotics and fluids. It is not compulsory but recommended vaccination for Kilimanjaro.\nDiphtheria is a serious infection of the nose and throat that's easily preventable by a vaccine. A sheet of thick, grey matter covers the back of the throat, making breathing hard.\nSymptoms include sore throat, fever, swollen lymph nodes and weakness. Treatments include antibiotics and an antitoxin that neutralizes the diphtheria toxin. A vaccine is available. It is not compulsory but recommended Vaccination for Kilimanjaro.\nRabies is a deadly virus spread to people from the saliva of infected animals. Rabies is usually transmitted through an animal bite, for example, from stray dogs.\nSymptoms include fever, headache, excess salivation, muscle spasms, paralysis and mental confusion. Seek immediate medical attention after a bite or suspected bite. There is no specific treatment for rabies. Once symptoms appear, it's nearly always fatal. A vaccine can prevent infection. It is not compulsory but recommended vaccination for Kilimanjaro.\nDo you need malaria tablets for Kilimanjaro? Off course, Yes. Before and after trekking, you should take tablets and proper mosquito repellent to be safe from Malaria.\nMalaria is a disease caused by a plasmodium parasite, transmitted by the bite of anophelesmosquitoes. The severity of malaria varies based on the species of plasmodium.\nSymptoms are chills, fever and sweating, usually occurring a few weeks after being bitten. People travelling to areas where malaria is common typically take protective drugs before, during and after their trip. Treatment includes antimalarial drugs. It is compulsory and recommended Vaccination for Kilimanjaro.\nThe polio is a virus that may cause paralysis and is easily preventable by the polio vaccine. Polio is transmitted through contaminated water or food, or contact with an infected person.\nMany people who are infected with the poliovirus don't become sick and have no symptoms. However, those who do become ill develop paralysis, which can sometimes be fatal. Treatment includes bed rest, pain relievers and portable ventilators. It is not compulsory but recommended vaccination for Kilimanjaro.\nThe Other Health Issues In Kilimanjaro Are:\nThis is the most common health issue that most climbers face while Climbing Mount Kilimanjaro. AMS occurs when you reach very high altitudes, for example, Gilman’s Point, Stella Point or near to the Summit of Kilimanjaro. However, it can be treated quickly, by taking the person suffering down to a lower altitude.\nTo fight the mountain sickness it is highly advisable to hike slowly. Take longer itinerary to acclimatize well. If you acclimatize well you can fight in a better way with the altitude sickness.\nSymptoms of AMS are:\n- Rapid pulse\n- Swelling of hands and feet\n- A decrease in urine output\nHypothermia is another health threats that you might face while Climbing Mount Kilimanjaro. Hypothermia occurs when the body’s temperature drops drastically. There is a lot of chance to happen so as towards the summit the mountain drops its temperature really low. To prevent hypothermia, Kilimanjaro Clothing Gearson your Kilimanjaro Gear List helps a lot.\nSymptoms of Hypothermia are\n- Slurring Of speech\n- Clumsy actions\nFitting boots or new boots that have not been worn in will damage feet, resulting in pain and blistering. So it is very important to wear a suitable pair of footwear. The toenails should be kept short so they don’t rub or catch on your socks. If you develop a blister, then quickly remove the boot and treat it with zinc oxide tape or a proper plaster.\nPersons suffering from any cardiac or pulmonary problems are advised to consult your doctor before attempting to trek Mount Kilimanjaro.\nWhile you trek Mt. Kilimanjaro you come in direct contact of UV rays of the Sun. It causes severe sunburn if proper care is not taken. So while Climbing Mount Kilimanjaro it is recommended to use +30 SPF sunscreen cream. Wear a wide hat that covers your face too and UV protective sunglasses during the day hiking.\nSymptoms of Sunburn\n- Redness of skin\n- Swelling of skin\n- Extreme thirst\n“Is Climbing Kilimanjaro Safe or not”, is wholly depends upon you in case of Acute Mountain Sickness and Kilimanjaro Altitude Sicknesses. Yes, it is safe to climb Kilimanjaro, if you take proper vaccinations and precautions to avoid all kind of health risks.\nFor more information about Climbing Mount Kilimanjaro, visit our Climb Kilimanjaro Guide Page.", "label": "No"}
+{"text": "Spies michael frayn symbolism\nA revision map for michael frayn's 'spies' this resource focuses on chapter two this is a great way for students to remind themselves of the key moments in the second. Spies book analysis spies (michael frayn) revision world, a level english revision for micheal frayn's spies covering introduction, key characters, key themes. Spies michael frayn symbolism appropriate is the title of the novel there are many different themes through out michael frayn’s novel ‘spies’ but the theme of spying is the most important. Spies is a novel written by michael frayn, in which two main characters (stephen and keith) investigate about the mother of one of them from the possibility of being a german spy the. 2 quotes from spies: ‘and now everything has changed once again the air of the close each evening is full of bird song - i've never really noticed it be.\nStart studying spies - michael frayn learn vocabulary, terms, and more with flashcards, games, and other study tools. Michael frayn was born in london in 1933 and began his career as a journalist (1999) was shortlisted for the booker prize, while his most recent novel, spies. Need help on symbols in michael frayn's spies check out our detailed analysis from the creators of sparknotes check out our detailed analysis from the creators of sparknotes from the. Essays for spies spies essays are academic essays for citation these papers were written primarily by students and provide critical analysis of spies by michael frayn.\nExtracts from this document introduction with detailed reference to at least 3 symbols explore how frayn employs symbolism in spies in the novel 'spies' michael frayn's use of symbolism. Spies michael frayn 213pp, faber, £1499 michael frayn's attractive and deeply civilised comic intelligence has hit on a classic english theme: the bittersweet adventure from childhood. Start studying spies by michael frayn - chapter summaries learn vocabulary, terms, and more with flashcards, games, and other study tools.\nHow does frayn present ideas about growing up in the concept of growing up in spies are largely in the use of symbolism and spies by michael frayn. Spies (2002) is a psychological novel by english author and dramatist michael frayn it is currently studied by a-level, and some gcse, literature students in various.\nSpies michael frayn symbolism\n'spies' - michael frayn - linde melhuish do not believe that any weak symbolism or ambiguity which can be picked out of the book were actually intended.\nFind all available study guides and summaries for copenhagen by michael frayn if there is a sparknotes copenhagen summary and analysis and symbols. Find all available study guides and summaries for spies by michael frayn if there is a sparknotes, shmoop, or cliff notes guide, we will have it listed here. With detailed reference to at least 3 symbols explore how frayn employs symbolism in spies how does michael frayn present the relationship between stephen. Michael frayn, frsl his novels, such as towards the end of the morning, headlong and spies, have also been critical and commercial successes.", "label": "No"}
+{"text": "Every year, thousands of people in the U.S. are critically injured and electrocuted in their own homes as a result of electrical fires and electrical hazards. The Electrical Safety Foundation International (ESFI) provides a few sobering statistics:\n- Home electrical fires cause an estimated 51,000 fires every year, nearly 500 deaths, more than 1,400 injuries, and $1.3 billion in property damage.\n- Every year, arcing faults are responsible for more than 28,000 home fires, killing and injuring hundreds of people and causing over $700 million in property damage.\n- The U.S. Consumer Product Safety Commission (CPSC) reports that electrical receptacles are involved in 5,300 fires every year, causing 40 deaths and more than 100 injuries.\nTo help raise awareness about electrical hazards, May is officially National Electrical Safety Month. It’s a good time review the most common hazards and the steps you can take to reduce the risk of electrically-related fires, fatalities, injuries, and property loss.\nThe DIY problem\nBudgets are tight for families across the country and homeowners are seeing declining home values and aging properties, so more people are tackling do-it-yourself projects – and that includes electrical work – instead of hiring licensed professionals. Since most don’t have the training or experience to safely perform electrical work, they’re only increasing the risks.\nThis old house\nDo you live in an older home? According to the U.S. Census Bureau, the average home in the U.S. is more than 37 years old. Today’s higher demand for energy from the use of modern appliances and electrical devices can put a strain on older electrical systems, increasing the risk of fires and electrocutions.\nHere are five crucial areas for homeowners and renters to check for electrical hazards:\n- Light bulbs. Don’t exceed the light fixture’s recommended maximum wattage, always unplug or turn off lights before changing bulbs, and make sure bulbs are tight because loose bulbs can cause sparks.\n- Appliances. Plug only one major appliance into an outlet, and unplug them when not in use. Keep cords away from sinks and bathtubs, and keep pets and children away from cords.\n- Cords. Never use frayed, cracked, kinked, or otherwise damaged cords. Never staple or nail cords in place. Extension cords should be used for temporary use only, and never cover up cords with a rug.\n- Outlets. Don’t overload outlets, and install tamper-resistant covers. Use ground fault circuit interrupters (GFCI) near water such as kitchens, baths, and basements.\n- Outdoors. Assume all power lines are dangerous, especially downed lines. Prune trees to keep them clear of power lines, and keep ladders away from power lines.\nBe proactive about electrical safety\nUnlike natural disasters, electrical hazards are something you can prevent. If you’ve never done it, you should consider having your home electrical system thoroughly inspected by qualified electricians to make sure all electrical work is safe and working properly. And be aware of the telltale signs of electrical problems such as dim and flickering lights, unusual sizzling or buzzing sounds, or circuit breakers that trip repeatedly. If any of these symptoms are present, contact a qualified electrician.\nVisit the National Electrical Safety Month website for more information on this year’s campaign, and find out how you can get involved. For more advice on protecting your home and property, talk to your independent agent.", "label": "No"}
+{"text": "99 years ago today, South Korean strongman and father of today’s president Park Chung-hee was born.\nBorn the seventh, and youngest, child of a fallen scholar-official (Yangban) family in the years of Japanese colonialism, Park had dreams of leadership and military exploits from a young age. While attending a progressive “new-style” school, he became class captain and figured out how to get his classmates to “submit unconditionally to whatever I said.”\nInterested in war heroes and military history, including that of Japan, he quickly developed the dream of becoming a soldier. When the Second Sino-Japanese War broke out in 1937, with the Japanese pushing south of Beijing and taking Tianjin and Shanghai, Park enrolled in Japanese military academy. Upon graduating as one of the best students, he was made a lieutenant in the Manchukuo Imperial Army in 1944 and served Japan in its last gasps of World War II. Though forced out of the military upon returning to Korea, he got back in when North Korea invaded the South. He rose quickly, and by 1960 he found himself Chief of the Operations Staff of the South Korean Army.\nThat same year, the Korean public rose up in protest after years of authoritarianism by Syngman Rhee, the first president of South Korea, who presided over the young nation’s defense in the Korean War but didn’t open up room for democracy. With the success of the April Revolution, Rhee was forced out of office and a parliamentary system replaced him. But with the economy ailing and protests continuing to rack the country, and fearing that he would soon be retired, Park and his allies took initiative and launched a coup on May 16, 1961.\nInitially Park’s regime, the Third Republic, was semi-democratic. He won presidential elections in 1963 and ’67. Facing a constitutional term limits, he forced a change through the legislature and won again in ’71, defeating Kim Dae-jung, one of the leading democratic activists of his day and future president.\nThe next year, Park announced Yushin, a policy that dispensed with any pretenses of democracy and gave Park absolute, unchecked power. An electoral college would elect him president every six years. He could promulgate emergency measures without legislation. Criticism of the government and of the Yushin Constitution was banned. Government monitors embedded in media organizations enforced press restrictions. Fierce reporters were fired en masse from outlets like Dong A Il Bo. Torture techniques, including electrical torture, water torture, beatings, and sleep deprivation, were described by Amnesty International in testimony to U.S. Congress in 1975.\nThe economy boomed during Park’s reign. The economy grew from US$1,100 per capita (in constant 2000 dollars) to over $4,000, growing at over 8 percent per year almost every year. Park’s policy of “guided capitalism” built up the nation’s industry with the help of chaebols, megaconglomerates like Samsung and LG.\nBut Park’s power and economic growth could only shield him from the trends of history for so long. Protests began taking place more frequently in his final years, and they couldn’t be contained. In October 1979, student protests in Busan and Masan in the South (“the Bu-Ma Democratic Protests”) spread throughout the country. Park declared martial law on October 18. On October 26, 1979, Park was shot during a private meeting by Kim Jae-gyu, the director of the Korean Central Intelligence Agency. Having survived two assassination attempts by North Korea before, he was brought down by one of his own longtime allies. (Kim would be executed, and Chun Doo-Hwan would leverage his position as leader of the investigation in order to lead a coup himself.)\nToday Park’s legacy in Korea is complicated. Many still think of him as a patriotic leader who modernized Korea at a time when it was weak and threatened by a northern neighbor that was then more advanced. In the 2000’s, 74 percent of Koreans gave Park positive ratings on his handling of politics and 93 percent on economics. 44 percent called him Korea’s best leader in a Gallup poll. But there can be no denying the great pain his rule caused many who merely yearned for the truth, for the same freedoms their parents fought for and their children fought for and ultimately won in 1988. By the time of the Yushin regime Park’s excesses had far exceeded anything that could have been justified by the need for national stability and actually pushed his country into a period of dangerous instability that ended his life.\n“Korea’s Development Under Park Chung Hee”, Hyung-A Kim\n“Why Late South Korean Dictator Park Chung-hee Is The Most Popular President Ever”, Eugene Yi\n“The Mixed Legacy of a South Korean Dictator”, Steven Denney\n“The Cultural Politics of Remembering Park Chung Hee”, Seungsook Moon\n“How South Korea and Vietnam whitewash their history,” Mitchell Blatt", "label": "No"}
+{"text": "Ecrit par Jean-Baptiste Merlin – Reviewed, Edited an supervised by Jean Albert\nLundi, 03 Août 2009 00:00\nAddressing the issue about indigenous peoples in New Zealand\nFollowing implementation of the Treaty of Waitangi Act adopted in 1975, the Waitangi Tribunal was set up to investigate claims from Maori against the Crown for breaches of the Treaty of Waitangi from 1840. This Treaty prompts the questions of the place of indigenous peoples in society. It is also a basis upon which how New Zealand copes with the relations between the natives and the rest of the population. New Zealand’s current society is very cosmopolitan, but is nonetheless dominated by two major groups, Pakeha (settlers from the colonial era, overall British, and ca 67.6% of the population) and Maori (indigenous population, ca 14.6% of the overall population)1.\nThe Maori arrived in Aotearoa – the Maori name for New Zealand – from the Polynesian islands in the Pacific Ocean. The date of their arrival remains a mystery. It is estimated at ca 800 AD. They may have been the first settlers of what would be later called New Zealand (NZ). Whether there were inhabitants before them remains unclear.\nThese warrior people developed a complex tribal organization. As there were numerous different tribes across the territory, Maori did not really have a conception of the country or society as a whole until the settlement of the Europeans.\nThe isolation of the NZ archipelago and the existence of warrior spirited inhabitants shaped the particular form of colonialism that developed in the country.First it delayed European settlement. The first Europeans to approach NZ were unlucky with the Maori. There were bloody confrontations which shortened their journeys to this inhospitable area. That is what happened to Abel Tasman’s Dutch sailors when they discovered NZ. They were the first Europeans to do so in 1642. The short and violent first contact with Maori forced Tasman to sail along the western coast of the South Island to avoid having further contact with what he supposed to be a violent, strange and anthropophagous people.This preserved the isolation of Maori for 126 more years.\nThe landing of James Cook in 1769 is the starting point of a long and initially sparse European,overall British, settlement in NZ. The resistance of Maori meant that the Crown preferred Australia for the settlement of its penal colony. Due to this, Crown’s policies were bound to be very different between the two colonies. In NZ the main purposes of the very early British colonization seemed to be more humanistic than economic. Indeed, few tradable resources were discovered at the beginning of the English settlement.This would increase subsequently as the agricultural settlement progressed and notably with the gold rush during the 1860’s.\nIn fact, when the British installed a formal colony after the conclusion of the Treaty of Waitangi in 1840, the consciousness towards indigenous peoples had already evolved.This was partly due to the European enlightenment during the second half of the 18th century and partly due to the previous colonial experiences.\nThe conjunction of all these reasons – the isolation of NZ, a quite modest economic interest,the resistance of Maori and their features, the evolution of the minds subsequently to a late settlement and the absence of a penal colony – turned generally favoured better treatment of the indigenous population of NZ.\nInitially, the Treaty of Waitangi was concluded on the demand of settlers and Maori. They were looking for an increased British presence in NZ in order to ensure and protect their interests and the organization of trade with Australia. This alliance with Maori was also a way to thwart the increasing presence of French catholic missionaries and traders among Maori. The Treaty was signed on 6 February 1840 between the Chiefs of Maori tribes and the future first governor of NZ William Hobson. It concluded an alliance between Maori and the Crown. In exchange for the Crown’s protection, Maori ceded sovereignty to the Crown. This provided a basis for further development involving the setting up of the institutional framework for a formal British colony in NZ. Nowadays, the Treaty is regarded as the founding document of the NZ nation.\nThe Treaty also regulated the relations between Maori and the Crown and subsequently between Maori and Pakeha. This quite favourable regime towards Maori is stated in three articles.In the first article, all Maori tribes cede the complete sovereignty over NZ to the Crown.In the second article, they are recognized as to their rights of property with priority given to the Crown in the case of sale. They can dispose of all the natural resources and are ensured equal rights with British subjects. In the last article, the Queen extends her protection to Maori.\nOver the years, concerns rose steadily in respect to the differences between the English version and the Maori version of the Treaty. These concerns focused essentially on the concept of sovereignty, which has no direct equivalent in Maori language. Furthermore, the Crown appeared to have later overridden the terms of the Treaty. However, it remains that the Treaty casts a legal basis for – as far as possible – fair and equitable treatment of the indigenous population,within an appeased framework for clear relations between the two communities, by comparison to other colonial experiences around the world. This provides a rare example of a fair compromise and relatively harmonious relations between colonialists and natives. In fact, throughout history many colonies have never managed to reach this understanding.\nIf the Treaty provides noticeable advantages to the Crown, it also includes an obligation of the Crown towards the welfare of Maori. This obligation was never denied nor forgotten and was the basis for the increase of Maori claims during the second half of the 20th century.\nIt is not however, the colonial power that recognized the full force of the Treaty but rather the independent country of NZ. In fact the Maori had to wait until 1975 and the creation of the Waitangi Tribunal for the full recognition of their rights under the Treaty of Waitangi.\nThe Waitangi Tribunal aims at bringing the Treaty into operation. The claims towards the State are based legally on the Treaty of Waitangi. The Tribunal deals with claims concerning for instance fishing regulations2, land tenure and property, legal status and resource management. Maori customs and conception of land are taken into consideration by the Tribunal, as explained for instance in section 17 « further comments » in the Report of the Waitangi Tribunal on a claim by J. P. Hawke and others of Ngati Whatua concerning the fisheries regulations of March 1978 (Wai 1).\nFrom this perspective, the refusal of NZ to back the United Nations General Assembly Declaration on the Rights of Indigenous Peoples on 13 September 2007 can seem surprising. It is true however, that NZ had supported the elaboration of a so called « necessary » Declaration to promote and protect the rights of indigenous peoples. So it would seem that NZ disagrees not with the general initiative but with the specific form of the final document. As an explanation of the reason for the negative vote of her State, NZ spokeswoman Rosemary Banks stated that « four provisions in the Declaration are fundamentally incompatible with New Zealand’s constitutional and legal arrangements3« . She also said that « These provisions are all discriminatory in the New Zealand context ». Indeed, the Declaration suggests providing indigenous peoples with several rights that other people do not have (see article 28). This provision appears to be inconsistent with the principle of governing for the common good as it creates a form of reverse discrimination by shaping « different classes of citizenship ».\nIn NZ, the rights of indigenous peoples are recognized, omnipresent in the political landscape,and are integral to its identity as a nation State and as a people. Maori are integrated in society along with the previous colonialists on an equal basis although the laws and policies of the country reflect its anglo-saxon heritage more that Maori culture. Hence, the difficulties for Moari, still today, to fit in to a society that promotes values that are sometimes incompatible with its deep rooted culture and its intensity.\nHowever, Maori are one of the largest and most dynamic indigenous minorities in the world and the Treaty of Waitangi has acquired an eminent place among the country’s constitutional arrangements. The place of Maori in society, the response to their grievances and disparities are subject to central debates and governmental actions. From this perspective, the Waitangi Tribunal is an unparalleled system for redress and is accepted by both indigenous and non-indigenous citizens alike.\nNZ provides an original answer to the indigenous question. Far from adopting a strategy based on affirmative action, NZ has been asserting for a long time its action in an egalitarian perspective.In this viewpoint, no discrimination is be likely to occur between the communities. Each citizen is individually, a strictly equal part of the whole, and non-indigenous citizens have to be protected as well as indigenous citizens . This is not inconsistent with the existence of provisions aiming at respecting singular particularities and rights of each community. As one of the key features of the Kiwi society, this situation is traditionally an important subject of concern which affects the government policy, choices, and even the behaviour of NZ on the international scene.\nUnited Nations Declaration on the Rights of Indigenous Peoples, annexed to General Assembly Resolution 61/295, Sixty-first session, Agenda item 68, 13 September 2007.\nUnited Nations General Assembly Department of Public information, report of the adoption of the Declaration : General Assembly adopts Declaration on Rights of Indigenous Peoples; « Major step forward » toward rights for all, says president, 13 September 2007.\nUN Declaration on the Rights of Indigenous Peoples, Explanation of Vote to the General Assembly, Rosemary Banks, New Zealand Permanent Representative to the United Nations, 13 September 2007.\nNew Zealand Constitution Act 1986.\nText of the Treaty of Waitangi, 6 February 1840.\nGuide Waitangi: Treaty and Tribunal, University of Auckland.\nReport of the Waitangi Tribunal on a Claim by J. P. Hawke and others of Ngati Whatua concerning the fisheries regulations (Wai 1), Waitangi Tribunal, Department of Justice, Wellington, New Zealand, March 1978.", "label": "No"}
+{"text": "A trademark is a legally protected sign, used to distinguish products and services belonging to different businesses. Any graphic representations can be used as trademarks according to the law, including words, letter combinations, numericals, graphic images, slogans, three-dimensional forms, tones, or combinations of all these elements.\nTrademarks in Switzerland\nRegistering a trademark gives the owner the exclusive right to use a certain sign for specific goods and services or to grant others the right to use it (by licensing). Trademark owners can also prevent others from using identical or similar signs for same or similar goods and services.\nTrademark registration fees in Switzerland are 550 CHF for three classes of goods and services for a period of 10 years. The surcharge for every additional designated class of goods and or services is 100 CHF. The protection period can be renewed indefinitely for each 10 years. Under normal circumstances, the Swiss Federal Institute of Intellectual Property examines the trademark application in approximately six days. In other cases, under special circumstances, the registration period can take up to three months.\nPromotional or descriptive words can’t be used as trademarks, because these need to remain available for the general public. Because Switzerland uses multiple languages, it’s necessary to analyze any potential trademark, to prevent any potential trademark conflicts in the public domain of all three national languages. Descriptive English words are also not allowed.\nA trademark offers protection only for certain goods and services. If the trademark is not used for the specific goods and services indicated in the registration application for five years after the registration, it is possible to lose the trademark protection.\nTrademarks must not be misleading about the characteristics of goods and services, especially about their origin, qualities and properties. In addition, trademarks that contain a Swiss indication of source, may only be registered for goods and services that are of Swiss origins, according to “The Swissness Act”\nThe Swiss coat of arms, the coat of arms of the cantons, communes and other Swiss public authorities are not allowed to be registered as trademarks or as elements of trademarks.\nWhen is a trademark protected in Switzerland?\nA trademark is protected only after it has been entered in the trademark register, which is the final step of the trademark registration process.\nFirm names, business names and domain names are similar to trademarks, because they serve the purpose of identifying a certain business. Firm and company names are registered in the commercial registry and the cantonal commercial registry office. Domain names and top-level domains are registered by registrars. However, if a domain name or a business name meets the requirements for a trademark registration, it is possible to register it as a trademark.\nIn Switzerland, trademarks are protected in two ways:\n1. By registering the trademark nationally, with protection in Switzerland only;\n2. By extending the trademark protection in Switzerland for a trademark registered abroad.\nInternational trademarks are administrated by the World Intellectual Property Organization in Geneva. In Switzerland, it’s possible to protect trademarks registered in Switzerland, as well as international trademarks.\nUnder the provisions of The Trade Mark Protection Act, if no color is clamed at the time of registration for a trademark, the respective trademark is protected for all colors. If a color has been claimed, the protection is limited to the trademark in the respective color only.\nIf it’s necessary to extend the trademark protection for other goods and services, for example for new products of the same company, the trademark must be re-registered with and expanded list of goods or services.\nTrademark protection abroad\nAccording to two international treaties, the Madrid Agreement and the Madrid Protocol, the administrative procedures for extending trademark protection are much simplified. A centralized notification system is used on international level, in order avoid trademark infringements. 97 states and regional entities, including EU, USA, Russia, China, Japan, Australia and most Easter European countries are all contracting parties of the two international treaties from Madrid.\nInternational trademark applications can also be filed with the Swiss Institute of Intellectual Property, provided that the applicant has a trademark or a Swiss trademark application and fulfills the conditions of international registration. It is also necessary to meet any one of the three conditions:\n- The applicant has a real and effective commercial or industrial establishment in Switzerland;\n- The applicant must be a Swiss resident;\n- The applicant must be a Swiss national.", "label": "No"}
+{"text": "Sackets Harbor (earlier spelled Sacketts Harbor) is a village in Jefferson County, New York, United States, on Lake Ontario. The population was 1,450 at the 2010 census. The village was named after land developer and owner Augustus Sackett, who founded it in the early 1800s.\nSackets Harbor is located at 43°56′47″N 76°7′4″W / 43.94639°N 76.11778°W / 43.94639; -76.11778 (43.946503, −76.117758).\nAccording to the United States Census Bureau, the village has a total area of 2.2 square miles (5.7 km), of which 0.004 square miles (0.01 km), or 0.26%, are water. The village is on Black River Bay, southwest of the mouth of the Black River, on Lake Ontario. Its protected harbor was critical to the founding and early history of the village. Much of Lake Ontario was gouged out of rock by glaciers. There were few protected harbors on the south shore deep enough for major shipping in the early 19th century.\nNew York State Route 3 passes east of the village, which is at the convergence of County Roads 62 (Sulphur Springs Road) and 75 (Adams Road/Dodge Avenue). Watertown, the Jefferson county seat, is 10 miles (16 km) to the east, and Henderson Harbor is 9 miles (14 km) to the southwest.\nAs of the census of 2000, there were 1,386 people, 653 households, and 370 families residing in the village. The population density was 609.1 people per square mile (234.7/km²). There were 791 housing units at an average density of 347.6 per square mile (134.0/km²). The racial makeup of the village was 97.26% White, 0.43% African American, 0.29% Native American, 0.29% Asian, 0.36% from other races, and 1.37% from two or more races. Hispanic or Latino of any race were 1.73% of the population.\nThere were 653 households out of which 23.1% had children under the age of 18 living with them, 45.2% were married couples living together, 8.4% had a female householder with no husband present, and 43.3% were non-families. 35.1% of all households were made up of individuals and 9.0% had someone living alone who was 65 years of age or older. The average household size was 2.11 and the average family size was 2.72.\nIn the village, the population was spread out with 18.8% under the age of 18, 11.0% from 18 to 24, 37.7% from 25 to 44, 21.7% from 45 to 64, and 10.9% who were 65 years of age or older. The median age was 34 years. For every 100 females, there were 113.6 males. For every 100 females age 18 and over, there were 113.3 males.\nThe median income for a household in the village was $42,629, and the median income for a family was $51,397. Males had a median income of $33,696 versus $26,917 for females. The per capita income for the village was $23,269. About 5.8% of families and 7.8% of the population were below the poverty line, including 10.9% of those under age 18 and 7.7% of those age 65 or over.", "label": "No"}
+{"text": "Attention Deficit Hyperactivity Disorder (ADHD), including the different types and who gets them.\n- Bipolar Disorder Facts about bipolar disorder, including different types and symptoms.\n- ADHD Attention Deficit Hyperactivity Disorder (ADHD), including the different types and who gets them.\n- Adult ADHD Facts about attention deficit hyperactivity disorder (ADHD) in adults.\n- Alzheimer's Disease Facts about Alzheimer’s Disease, including the symptoms and stages.\n- Autism Spectrum Disorder Get the facts about Autism Spectrum Disorder (ASD).\n- Chronic Pain Facts about chronic pain, including body parts most commonly affected.\n- Clinical Depression Clinical depression facts; symptoms & other depressive disorders.\n- Depression Facts about depression, including the symptoms of the condition.\n- Diabetic Neuropathy Facts about diabetic neuropathy, including the symptoms and doctors.\n- Epilepsy Facts about epilepsy, including different types, symptoms and causes.\n- View All Care Guides Prepare for your next visit with our extensive library of Care Guides\nBook Online Now\nDr. Indrani Naskar has the following 2 specialties\nA psychiatrist is a doctor with specific training in the diagnosis and treatment of mental illness.\nHe or she can not only provide the counseling necessary to both diagnose and treat a patient, but can also prescribe medication when needed. In some cases, a psychiatrist will only provide the medication and the counseling will be provided by another healthcare specialist, like a certified counselor or psychologist.\nLike other doctors, psychiatrists employ diagnostic tools like CT scans and MRI in order to observe the structure and function of a patient's brain.\nOnce a diagnosis is made, these specialists may use behavior or cognitive therapy in order to address the patient's condition, or a multitude of other types of therapy, in conjunction with or in place of medication.\nA neurologist is a physician who diagnoses and treats disorders of the nervous system which is comprised of the brain, spinal cord and nerves. These doctors do not perform surgery, but refer patients to neurological surgeons when they determine that surgical intervention is necessary.\nSome of the conditions that neurologists diagnose and treat are epilepsy, aneurysms, hydrocephalus, Parkinson's disease, multiple sclerosis, stroke, spinal disc herniation, and spinal disease.\nIn addition to using diagnostic tests like MRI, CT scans, EEG and EMG, neurologists also employ neurological testing to gauge muscle strength and movement, balance, reflexes, sensation, memory, speech, and other cognitive abilities.\nDr. Indrani Naskar has the following 9 expertise\n- Mood Disorders\n- Attention-Deficit/Hyperactivity Disorder (ADHD)\n- Manic Depressive Disorder\n- Clinical Depression\n- Bipolar Disorder\n- Personality Disorder\n- Mental Illness\nDr. Indrani Naskar has 1 board certified specialty\nDr. Indrani Naskar is Board Certified in 1 specialty\nSee the board certifications this doctor has received. Board certifications provide confidence that this doctor meets the nationally recognized standards for education, knowledge and experience.\nThere are no reviews for Dr. Indrani Naskar yet. Be the first to review this doctor!\n9 Years Experience\nCalcutta National Medical College\nGraduated in 2009\nMedical College Of Ohio\nDr. Indrani Naskar accepts the following insurance providers.\n- Anthem Blue Access PPO\n- Anthem Blue Preferred HMO\nBCBS Blue Card\n- BCBS Blue Card PPO\n- BCBS IL PPO\nMedical Mutual of Ohio\n- MMOH SuperMed POS Select\n- MMOH SuperMed PPO Plus\nLocations & DirectionsMaryhaven Center, 715 S Plum St, Marysville, OH\nDr. Indrani Naskar is similar to the following 3 Doctors near Marysville, OH.", "label": "No"}
+{"text": "Leonardo Da Vinci's \"Horse and Rider\" sculpture (Jolson PR)A 504-year-old sculpture created by Leonardo Da Vinci was unveiled to the world in a special ceremony in Los Angeles this week. The \"Horse and Rider\" sculpture is the only known three-dimensional piece of art created by Leonardo that is known to still exist and is one of only about two-dozen authenticated works made by the Renaissance master in the world today.\n\"It's a momentous occasion, Art Encounter's Rod Maly told Yahoo! News before the statue's unveiling at the historic Greystone Mansion in Beverly Hills. \"It's been in private collections for nearly 500 years, so it has not been promoted. Nothing like this has ever happened in the history of mankind.\"\nAnd in a development that is sure to intrigue both historians and art fans alike, the sculpture is believed to contain a thumbprint of Leonardo himself.\nFor the past 500 years, the sculpture has only existed in beeswax form, along with the original mold itself. Experts spent the last three years crafting the first metal \"master\" sculpture, using the original mold, hand-crafted by Leonardo.\nThe small sculpture mold measures 12'' high, 12'' long and 7'' high and is believed to have been intended to serve as the model for a much larger sculpture. \"Horse and Rider,\" features a Renaissance military figure riding upon a horse was created in 1508 by Leonardo as a gift for his friend and benefactor, French military governor Charles d'Amboise. After Leonardo's death in 1519, the sculpture was given to his apprentice Francesco Mezi and is believed to have remained with his family in Italy until the 1930's when it was moved to Switzerland for safe-keeping.\nA thumbprint believed to belong to Leonardo Da Vinci (Eric Pfeiffer/Yahoo! News)\nIn 1985, American businessman Richard A. Lewis purchased the mold. \"In all honesty, I was very na?ve to what I had,\" Lewis told Yahoo! News during an interview before the statue's unveiling. That same year, Lewis was contacted Dr. Carlo Pedretti, widely considered to the world's foremost living authority on Leonardo and Professor Emeritus of Art History and the Chair of Leonardo Studies at UCLA. Dr. Pedretti studied and eventually authenticated the mold.\n\"For someone to call up and say 'I think I own a Leonardo Da Vinci mold,' you're like yeah right, I'd like to put it next to my Mona Lisa,\" Brett Barney, president of the American Fine Arts Foundry told Yahoo! News. \"But when he brought it in, right away we knew we had something.\"\nUsing what is called a \"lost wax casting process,\" Barney and his team at the Foundry spent three years working with the mold and eventually created a bronze casting from it. In essence, they have created a new piece of sculpture from one of the world's true artistic masters, nearly 500 years after his death.\n\"It's the opportunity of a lifetime,\" Barney said. \"To be part of a masterpiece by Da Vinci himself, I can't think of anybody that would be more prestigious.\"\nWhen the mold was studied in detail, it was discovered that along the horse's right breast a thumbprint exists. And while there is currently no way to verify, the print is believed to belong to Leonardo himself.\nThe mold casting actually sat in Lewis' closet for more than 25 years before he contacted the Foundry. And now, Lewis is determined to share the discovery with the world. And along with the piece's historic value, Lewis is using the unveiling for a good cause. Several hundred metal castings have been made from the mold, which Art Encounter will be auctioning off. Lewis himself has committed to donating $1 million of the proceeds to the Salvation Army's substance abuse program.\n\"It is a magnificent piece of art and I'd like to have as many people as possible be able to appreciate it,\" Lewis told Yahoo! He said he eventually plans to donate the original mold and master sculpture to a museum.\nAfter it's unveiling in Los Angeles, the mold and master sculpture will be displayed at various locations in New York, London and Las Vegas, home to a new Leonardo exhibit at the Venetian Hotel.\nThe original \"Horse and Rider\" mold crafted by Leonardo Da Vinci (Jolson PR)", "label": "No"}
+{"text": "Intergenerational connections can help both older and younger people feel cared for and valued. Research shows that intergenerational programs increase self-esteem and feelings of well-being for older and younger participants. Friendships between older and younger people help make communities stronger.\nBringing older and younger people together is also an important way to support understanding and respect between generations. When younger people learn to value older adults, elder abuse and neglect become more and more unacceptable to them.\nThe Province of British Columbia has proclaimed June 1, 2016 as Intergenerational Day Canada.\nIntergenerational Connections Resources\nCreating Caring Communities\nAre you interested in creating learning opportunities that promote intergenerational connections in your community? The Creating Caring Communities toolkit is a guide to establishing intergenerational programs in schools, care facilities, and community groups.\nIt contains practical information and resources to support educators, care providers and community agencies in coordinating successful intergenerational (IG) programs that promote learning, understanding, and mutual respect between generations.\nIntergenerational Society of Canada\nThis organization promotes intergenerational connections across the country and provides teachers, health care professionals, and community-minded people with tools for making connections happen.\nThe Volunteer Grandparents' mission is to bridge and enrich the generations by fostering intergenerational understanding, communication and cooperation between the generations. A number of different programs match volunteer seniors with members of younger generations.", "label": "No"}
+{"text": "In April 2016, representatives from around the world came together in Paris to discuss and reach the landmark ratification of The Paris Agreement. At the time, I was not following current events as much as I do today. Nonetheless, I knew that addressing climate change was at a critical turning point. Fight now, or it will be too late for Homo sapiens as we know them. Now, day to day, I see positive news about countries banning gas-powered cars by 2040 and the State of California considering a similar measure. This is all well and good, but sometimes I do think we are already too late.\nNonetheless, I was inspired to do a mock climate change conference with my students. The purpose is to engage students in both the science and dangers of climate change along with the policies involved in mitigating the effects. Hence was born The Climate Change Agreement project (click the link for more info on TeachersPayTeachers).\nStudents are asked to interact with the actual, legal text of The Paris Agreement. They respond to various questions to understand the purpose of each of the 29 articles written in the agreement. From there, students are assigned a role as a representative of a country. They are required to think from the perspective of this role to understand the current effects of climate change seen within their country. These effects include economic, social, political, and environmental aspects. Following extensive research, a climate change conference is simulated in which all representative parties must unanimously agree on a given number of guidelines and goals. These goals are then written in a formal document by each individual student as the form of assessment.\nThis has been one of my most achieving moments as a teacher. I felt like I was truly empowering and engaging the kids in an incredibly meaningful and increasingly important discussion about a scientific topic that is crucial for social and economic survival. It engages students who may not be into the political side of current events, but immerse themselves easily in science. It works the other way around, as well. Students who do not normally naturally engage themselves in science can be involved through the political aspects of the project.\nWhether you use this project or not, consider these lifestyle changes below that make a positive impact on your global environment.\n11/7/2017 UPDATE: Within the last few weeks, both Nicaragua and Syria have pledged to sign The Paris Agreement. This leaves the United States as the lone outlier in the entire world to not be committed to the respective climate change goals.", "label": "No"}
+{"text": "The clipping circuit limits the voltage of an antenna pin to acceptable levels; it has 3 modes of operation: limiting to 3.6V, limiting to 2.2V, or off (no clipping).\nIt makes use of an enable circuit/pin to select the operation mode. The clipping circuit can be placed inbetween differential pads, or between pin and ground.\nThe clipping levels can be adapted to other voltage levels if needed.\n- Max. current < 100 mA\n- Clipping levels: 3.6V , 2.2V , no clipping\n- Leakage @ 27°C < 780nA in GPIO mode\n- Temperature range: -40°C up to 100 °C\n- Small footprint, low power, “amplitude scaling”\n- Selectable clipping levels – different voltages, pin-2-pin, pin-2-ref\n- Alignment and compatibility with the ESD protection\n- .lvs support\n- integration services", "label": "No"}
+{"text": "Here's a good primer for constructing NMEA 2000 networks\nAnd Power and Motor Yacht has an article worth reading; \" A Breakdown of Protocol: How a Boats' System Converse\"\nI'll attempt here to explain some of the data networks and how to connect various different types.\n|Typical Nmea 2000 Backbone.|\nThe Nmea 2000 Backbone is pretty easy to set up as you can see from the diagram. All you need is the right parts/cables/terminators and follow some simple rules. Read the link above for the do's and don't's. Even hooking in a new device is relatively easy. More hooking up Legacy Equipment to this network later. But here is some tables that illustrate the differences between the old and new nmea standards.\n|Nmea 2000 verses Nmea 0183|\nNmea 0183 and it's various versions is the older standard from NMEA. But it will be around for quite a bit longer.\nNMEA 0183 is a low-cost, low-capacity, single-transmitter/multi-receiver network for\ninterconnecting marine electronic devices, also known as a “single talker/multiple\nlistener” interface. The NMEA 0183 Standard, along with RS-232, RS-422, etc., is often called “Asynchronous Serial” interfaces. This means that data is transmitted serially (bit-by-bit) on a single line. Furthermore, the transmission is asynchronous because no “clock” signal is transmitted with the data.\n|Single Talker, Multiple Listener|\n|Multi Talker to Single Listener|\nThere are multiple versions of the NMEA 0183 specification in use in the marine industry. Prior to NMEA 0183 version 2.0, including NMEA 0180 and NMEA 0182, the hardware employed a single ended interface implemented with one signal wire and a common ground. Early versions of the NMEA 0183 Standard specified that “listeners” must be isolated from ship’s ground but allowed ”talkers” to be simple single-ended drivers (referenced to ground). Furthermore, the input impedance of a listener was specified to be greater than 500 ohms, and opto-isolation was recommended. Later versions of the Standard retained the opto-isolated listener recommendation, but revised the talker requirement to be RS-422 compliant. As a result, there exist some instruments (talkers) with single-ended outputs and others with RS-422 (differential) outputs.\nAll implementations from 2.0 and later employ a differential interface with two signal wires.\nDue to the difference between the single ended and differential interfaces\nimplemented, older versions of NMEA 0183 prior to\nversion 2.0 cannot be connected to equipment supporting NMEA 0183 version 2.0 or higher without proper interface circuitry. Do not connect one of the signal wires of the differential interface to the common ground of the single ended interface!\nSingle-ended drivers are perhaps the simplest to design. The desired state indicated by the presence or absence of a voltage above some threshold. For NMEA 0183 (ver. 1.5), a “one” was any voltage less than +0.5, while a ‘zero’ was any voltage greater than +4.0. Besides their design simplicity, single ended drivers need only one wire to transmit data. Since voltages are referenced to Ground, no signal return line is needed.\nInterconnecting NMEA instruments can be a real hassle if one is not familiar with the different types of connections. The NMEA-0183 standard specifies the talker ports (outputs) and listener ports (inputs) to be differential. This means that the data is transported by means of voltage levels over two wires, separated from ground. Roughly, the voltage levels swing between 0 and 5 Volt, and both wires are in opposite phase. When one is at 5V, the other is 0V and vice versa\nSome manufacturer's though, would not adhere to the standard. It would have been perfect if you could simply connect the 'A' terminal on a talker to the 'A terminal of a listener and do the same with the 'B' terminal. So what came about were these \"single ended\" connections which complicated matters for the DYI person.\n- Differential > Differential\n- Single ended > Single ended\n- Single ended > Differential\n- Differential > Single ended\nRS232 data is bi-polar. +3 TO +12 volts indicates an \"ON or 0-state (SPACE) condition\" while A -3 to -12 volts indicates an \"OFF\" 1-state (MARK) condition. Modern computer equipment ignores the negative level and accepts a zero voltage level as the \"OFF\" state. In fact, the \"ON\" state may be achieved with lesser positive potential. This means circuits powered by 5 VDC are capable of driving RS232 circuits directly, however, the overall range that the RS232 signal may be transmitted/received may be dramatically reduced. RS-232 interfaces are somewhat sensitive to environmental noise (motors, ignition pulses, etc.) and are therefore usually limited to installations of tens of feet or less.\nRS-422 is most commonly called “differential drive”. Two wires, A and B are used for this interface, but neither wire is grounded. A “zero” is produced by making A positive with respect to B and a “one” by making B positive with respect to A. It is therefore the direction of current flow rather than a voltage level that determines the logic state. It is important to note that neither RS-422 signal line (A and B) can be connected to Ground.\nRS-232 interfaces are somewhat sensitive to environmental noise (motors, ignition pulses, etc.) and are therefore usually limited to installations of tens of feet or less.\nRS422 standard that is widely used for the transmission of high speed serial data. Transmissions using RS-232 are limited in their speed and the length over which data can be transferred. Normally the maximum is 19.2 k baud and the distance 15 metres, although for slow transmission speeds longer lengths can sometimes be used.\nIt is very immune to external noise, and so can be used over greater distances (hundreds of feet).Under the latest version of NMEA 0183, all talkers are supposed to be RS-422. RS-422 is not strictly compatible with RS-232, but most RS-422 drivers will act like a single-ended driver if only one output line is used. In this way, the RS-422 “A” output can be used to drive either an RS-232 input directly. The “B” line is simply left unconnected.\nFortunately, both types of outputs will drive opto-isolated listeners. What is \"optp-isolation\"... Opto-isolators are actually quite simple devices. They consist of a light source (LED) coupled to a photo transistor. The input data signal turns the LED on and off which causes the photo transistor to switch on and off. The LED and photo transistor are completely isolated from each other electrically. The data source (talker) must provide sufficient current and voltage to power the LED. A current limiting resistor in series with the LED is generally used for protection. The advantage of opto-isolated inputs is that virtually any type of driver can activate them.\nHere are the possible connections...\n|Differential to Differential|\n|Single ended to Single Ended|\n|Single ended to Differential|\n|Differential to Single ended|\nMultiple Talker Circuits.\nWhere a single listener requires data from multiple talkers, a data multiplexer or combiner will need to be installed. Data multiplexers buffer the input sentences from each talker, and provide a single data stream that may then be connected to multiple listeners.\nThere are a number of companies that provide multiplexers and these days, you can even get a multiplexer that outputs Nmea 0183 Sentences via Wifi.\nThere is a practical limit to the number of talkers that can be combined based on the available bandwidth and the number of sentences that each talker transmits. Products are available that combine up to four talkers and replicate the combined output into four or more new talker circuits, each capable of supporting multiple listeners. Here you see a typical setup using a Brookhouse multiplexer which has also the capability of converting Seatalk to Nmea as well.\n|Typical Multiple Talkers Combined to Single Listener|\nWell, I can only find two devices that do this directly. Presented here are......\nHere's some of what the company says...\nThe Actisense® NMEA 2000 to NMEA 0183 Gateway is the easiest way to link between a boats old and new data networks. The NGW-1 can convert NMEA 0183 data into NMEA 2000 data and vice-versa.\nThe NGW-1 allows current NMEA 0183 equipment to be kept, or allows the latest NMEA 2000 equipment to be incorporated into the NMEA 0183 system. Once the single cable NMEA 2000 bus system has been installed, data from any node on the bus can be listened to by any other, including any NMEA 0183 instruments connected using an NGW-1.\nThe NMEA 2000 network acts like a bi-directional multiplexer, allowing all data sources to talk and listen to each other.\nAn alternative to Actisense would be this product from Amec\nNK-80 is a gateway between NMEA 0183 electronics devices and NMEA 2000 device/network. NK-80 allows users to connect NMEA 2000 network with their existing NMEA 0183 devices.\nKey Features of NK-80 according to the company:\n‧Upgrade NMEA 0183 equipment to NMEA 2000\n‧Conversion between NMEA 2000 and NMEA 0183\n‧Full NMEA 2000 compliance\n‧Full NMEA 0183 compliance\n‧Compact size, easy for installation\n‧Isolation between NMEA 0183 and NMEA 2000\n‧Fully galvanically isolated for electrical spike protection\nOne final way that may prove beneficial to some. There are now devices such as MFD's that have both NMEA 2000 and NMEA 0183 in and out. It may seem odd that the Raymarine E-Series can input/output data via good old NMEA 0183, SeaTalk, (similiar to NMEA 0183) SeaTalk2 (actually NMEA 2000), and SeaTalk HS (actually Ethernet). So the E’s (and C’s) do something called data bridging. It works by taking data, if it is not on a particular level, and converts and sends the data on at the higher level. I suspect it is converted up to the higher level, but not converted down. Perhaps someone can leave a comment and advise as to whether this is true?\nThat's it for now. Hopefully soon, I'll post about Raymarine and their Seatalk interface, along with it's interface with NMEA2000 and NMEA0183", "label": "No"}
+{"text": "What is LED lighting? Technically, LED stands for “light emitting diode.” A diode is an electrical component with two terminals which conduct the electricity only in one direction. Figuratively, LED means genius in low-voltage lighting. You cannot discuss anything about energy-efficient lighting today without LEDs being mentioned and with good reason. Let’s talk about some of the many benefits of LED landscape lighting.\nLEDs have proven to be the most energy efficient lighting available. The U.S. Department of Energy states residential LEDs — especially ENERGY STAR rated products — use at least 75% less energy, and last 25 times longer, than incandescent lighting. By using less energy, LEDs cost less to run. This means saving money on electricity.\nLEDs Are Economical\nAlthough LED landscape lighting costs more upfront, the bulbs last ten years or longer, depending on usage. Additionally, most of them are guaranteed for at least five years. When compared with halogen bulbs that burn out quickly and need replacing yearly, LEDs last longer. Over time, the cost of halogen bulbs for replacement far exceed the upfront cost of LED lights.\nLED lights create far less heat than traditional incandescent or halogen lighting. LEDs forego the use of heating interior filament. Because of this, LED landscape lighting significantly lowers wattage consumption. This results in a longer life for the LED light and the fixture.\nLED landscape lighting contains no toxic chemicals. Most conventional fluorescent lighting bulbs contain chemicals and materials dangerous to the environment, such as mercury. Additionally, LED lights are 100% recyclable. The operational lifetime span of one LED light saves production and material equal to 25 incandescent light bulbs. When you chose LED landscape lighting, you take a huge step towards a greener environment.\nThe durability of LED landscape lighting comes from the robust components used to build them. This makes them highly resilient, and able to withstand even the roughest conditions. The sturdy components used in LED landscape lights make them resistant to shock, vibrations, exposure to weather, wind, and rain. Moreover, they withstand extremely cold temperatures, making them the perfect lighting system for frigid winters.\nDynamic Flexible Design Features\nLED landscape lighting produces highly efficient illumination. By combining them in various shapes, they create an even brighter illumination. For example, make your walkways appear elongated, highlight focal points, and make waterfalls produce a dazzling effect by simply using LEDs. More than just pleasing to the eye, sensational landscape lighting also helps to set the mood.\nLeave It to the Professionals\nIn conclusion, installing LED landscape lighting requires correct calculations of voltage, transformers, wiring, and knowledge. Let the professionals at Hyatt Landscaping, Inc. help you design and install your landscape lighting system. With 30+ years’ experience in the industry, our family-owned and operated business takes great pride in quality, punctuality, and dependability. Call us at 704-888-5390 or fill out this Free Estimate Contact Form. We are more than happy to assist you with all of your landscaping needs.", "label": "No"}
+{"text": "Yes, you read that right, losing is winning! The commentary during the London Olympics about various gold medal winners is they did not make the cut for the Beijing Olympics. The Olympics is definitely elite international competition and there are winners and losers. If you think about it, there can only be one gold medal winner per event. Naturally, that means there are many more losers than winners.\nMany of those losers come back four (4) years later and win. Mark Spitz won seven gold medals in the 1972 Olympics! He was expected to do well at the 1968 Olympics and instead he failed! He predicted he would win six (6) gold medals, but only won two (2) gold medals. The winners make it look easy, but we all know that there is a lot of work, talent and skills that go into winning a gold medal.\nMaking mistakes or losing teaches you much more than winning. If you are not doing anything, you cannot make any mistakes! The more you do, it is likely you will lose! Athletic competition is a metaphor for life. We play sports as kids and what do we learn? We learn to do our best, set goals, practice and win or lose. When we lose, we say it was only a game and when we win it was great competition.\nWhen you lose, you have to evaluate your efforts! You make changes or adjustments and you win. Isn’t that what you do when you try to accomplish a goal and you miss? You evaluate your performance and make changes. If you are really on top of your game, you were monitoring your performance along the way and making small adjustments. See, you learn much more from losing!\nHow do you handle losing or mistakes? Do you dwell on them or fix them to succeed? When you had difficulty in school, did you just accept it or blame the teacher? How you react to problems or mistakes will mean success or failure. If you use the mistake to reevaluate your approach or efforts to achieve your goals, you will succeed. If you look at your failure or mistakes as a signal you should give up, you will fail!. What do you do?\nPart of failure is giving up! Successful people never give up on their goals. Each one will rationalize their predicament. The person who gives up says they really didn’t want it anyway. The successful person generally will just explain it as a mistake and push forward. It is as though he/she has been there before and will push until success. I think most people do not realize that successful people fail often, but you don’t hear about it.\nWhich one are you? Everyone can be successful, but you need the right attitude to keep going when you make mistakes or fail. Michael Phelps was expected to set a Olympic record and yet he lost his first race. In an interview after he won twenty-two (22) medals, it was part of his plan. He realized he could not be his best at every event so he picked the events he thought he had the best chance of winning. It is not unlike most of us, where we evaluate our chances of success.\nWin or lose, you should monitor your performance. When you make mistakes, you should evaluate your performance and make adjustments. Isn’t that what coaches do? Coaches look at your performance and make changes to help you achieve your goals. You are your coach, so go make your adjustments to meet expectations. If you are always winning, you probably are not testing yourself. Competition brings out our best and it improves performance. Remember losing is winning!\nPhoto by: ssoosay", "label": "No"}
+{"text": "Using Mindfulness to Navigate “Self”\n“I think, therefore I am,” doesn’t mean I am my thoughts, nor does it mean that you are yours. Even though Descartes believed, “If I am thinking then I must exist…” other philosophers later pointed out that the thoughts might be coming from somewhere else (although I’m not sure where that somewhere else is) so all we can really say is: “there are thoughts.” If you’re not your thoughts—a terrifying idea for some, a gift to others—what are you? We’ve been trying to answer the question of what it means to be human for centuries.\nA couple of ways of thinking about what it is to be a sentient mammal in an increasingly secular world can be found within contemplative psychology or in Cognitive Behaviour Therapy (CBT). The former describes us as a “heap” or aggregate of body (form), feeling (the tone of experience before thinking begins: pleasant, unpleasant, or neutral), as perception (naming or memory), as mental formations (thoughts, emotions) and consciousness (defined as contact with the senses and the objects of their awareness). CBT looks at us as a composition of thoughts, emotions, body, and behaviours. Thoughts, then, are simply one part of what it is to be us. In fact, the view of both models is that we are not fixed entities but dynamic processes that are always in flux.\nSelf: Fixed and in Flux\nThis idea if taken too far might lead us astray, untethered and disconnected from our day-to-day existence. If we didn’t have a fixed identity, then who makes dinner, drives the car, or colors his or her hair? Another way of navigating “self” is through the lens of neuroscience. At a recent mindfulness conference in Toronto, Norman Farb, a neuroscientist who studies human identity and emotion, and has a particular interest in mindfulness talked about the need for both a stable sense of self, assisted by the medial pre-frontal cortex and the ability to adapt and have awareness of changing momentary experience involving the insula. This makes sense, because too much self and we’re likely rigid. Too much change and we are chaotic. In order to function and adapt, we need both.\nOne of the reasons we suffer is because we hold tightly to a fixed view of self. We believe everything we think about others and ourselves. While this may have some socio-biological utility and may in fact be essential to navigating our internal and external world, it also often contributes to our misery. For example, holding tightly to a view of racial superiority may have helped us to protect our particular tribe when anyone not like self could have been a threat. However, as per recent events involving Black Lives Matter, recognition of our interdependence versus emphasizing difference and the mistreatment of those perceived as such could be the antidote to the effects of prejudice.\nIf we are depressed we think, “I am a depressive,” versus “depression sometimes gets a hold of me.” If we lose a loved one through a break up, we may think, “I’ll never love again,” versus “I’m grieving and this will pass.” If we are studying to become a physician, lawyer, or psychologist, we may be plagued by the thought, “I am incompetent,” rather than “I am learning and have no experience.” Our reactions to difficulty and our perspective narrow around our options about how we might respond more skillfully to life’s vicissitudes. And we all get our fair share of strife, some at the front end, some at the back end, and some in the middle. I forget who said this but it was obviously someone wise. Remembering this can help us not take pain and loss as an end point. That doesn’t mean we don’t feel pain but rather it doesn’t have to result in a deep hole from which we can’t climb out or have to define us.\nHow Mindfulness Helps You Navigate Difficulty\nMindfulness is a model of mind or if you prefer, of what it is to be human. We can think of mindfulness as a conceptual model, conveying the principles and functionality of what it is to be a person. As a model it helps us to understand elements of the human experience. Mindfulness is the map, not the territory. The territory is the experience itself. (I know this is heresy for those who think of it as truth). Shapiro S. et al, (2006) created a way of thinking about the potential mechanisms of mindfulness with respect to how it helps free us from adding to those inevitably painful times that befall us.\nThis model includes the marine life of intention, attention, and attitudes all floating in the sea of awareness that is us:\n- Intention allows us to be deliberate about where we place our attention, thus creating choice in what we attend to, developing the ability to shift and hold it as needed. Mindfulness trains attention to be focused, open, and receptive.\n- Focused attention allows us to disrupt negative, ruminative thinking such as, “I’m such a failure because someone criticized my work” by bringing attention to an object of awareness such as the sensations of breathing in the body or other body sensations. This is not suppression but rather redirection. Open and receptive monitoring of attention allows us to catch destructive thoughts and early changes in mood or increases in anxiety before they take hold, allowing us to take care of ourselves.\n- Attitudes of curiosity and kindness enable us to turn toward difficulty and to get interested in what is happening, rather than attempting to avoid or push away what we don’t like.\nStephen Hayes, a psychologist well known for his work in Acceptance and Commitment Therapy, discusses the power of avoidance in his bookGet Out of Your Mind and Into Your Life. Avoidance is powerful because it works so well in the short term. However, it has the added problem of perpetuating our problems and limiting our lives. For example, if you get invited to a party and you have social anxiety, you will likely choose not to go. What happens next? You may feel ashamed but the anxiety vanishes in a heartbeat. This is incredibly reinforcing. Willingness to have what we don’t want instead of defaulting to our habitual patterns of reactivity and avoidance is essential to opening to new possibilities and to learning that we can build tolerance and manage in those times when we would rather not. As below, turning toward the difficult (aka exposure) allows difficult emotions to surface and pass.\nMindfulness helps us learn to develop new skills and shift unhelpful views. We often come to reframe our perspective, to cognitively re-appraise that which at first may have been personalized (“It’s all about me”) as in the woman who gets distracted in her car and bumps the back of yours, giving you a whiplash. This happened to my husband recently and the woman, with a baby in the car, was distraught both about hitting him and because she felt she’d failed in her most important job of looking after her child. She couldn’t believe my husband wasn’t the least bit mad at her. He thought, “Come on really, I didn’t think she did it on purpose.” We learn to see that everything that happens in life is actually impersonal. This can be a difficult concept when events that transpire can feel so personal, such as the catastrophic illness, police brutality, or other violence. When we get struck by cancer, we sometimes say, “Why me?” The question perhaps to ask is, “why not me?” Cancer is a disease resulting from a number of variables; some mixture of genes, environment and perhaps psychology but it really has nothing to do with me as a person. Violence is equally the result of one person or many people’s biopsychosocial background, what might be happening on a given day, in a given moment. Thus the impersonal nature of experience can be the great leveller. It doesn’t mean that we don’t feel great pain or that terrible things don’t happen but reducing our personalization of everything that happens to us may help us begin to drop our prejudices toward others and ourselves and see how there is actually little separation between them and us. In fact, we’re all in the same boat, floating in that sea of awareness, from birth to death, making meaning, trying to survive, and not really taking in that nothing lasts. Mindfulness of body, thoughts, and emotions helps us to see that impermanence is our ally (until it isn’t). It takes the emotional charge out of situations that we may have previously thought would last forever (such as a depressed state, a bad relationship, a boring job). Sooner or later, everything ends. Again, our difficulty in internalizing this fact may speak to a survival advantage, from an evolutionary psychology point of view. Thinking things are permanent can be motivating. Responding mindfully means having the ability to move forward in any given situation uncontrolled by difficult emotions. In the words of mindfulness pioneer Jon Kabat-Zinn, “You can’t stop the waves but you can learn to surf.”\nMindfulness Practice: Noting Stressful Thoughts\nTry this awareness practice taken from Cognitive Behaviour Therapy when stressful events threaten to overwhelm*:\n- Identify the situation in one sentence. This helps stop you from getting lost in the story of how awful things are. Remember, just the facts, ma’am.\n- Record the thoughts that are popping into your head unbidden, particularly the ones you wouldn’t want to tell an acquaintance. Thoughts usually appear in sentences or images.\n- Label the emotions that you are experiencing. Emotions come in one word such as angry, sad, mad, happy, and scared, to name a few. Check for similarity with the thoughts you wrote down.\n- Name the body sensations and check for parallels with the emotions you are feeling. For example, anxiety is often felt in the diaphragm or abdominal area.\n- Write down any behaviours or impulses to act. For example, your partner tells you the relationship is over. This is the situation. The thoughts you have are, “I can’t believe this is happening. My life is over. I’ll always be alone.” The emotions are sad, angry, and scared. Your diaphragm feels knotted, teeth are clenched, and throat is tight. The behaviour is to turn on Netflix and make some popcorn so you don’t have to think about it.\n- Look at what you have written.\n- What do you notice and do you have any insights or reflections about what you wrote? As in the above example, you notice how you are catastrophizing, jumping into a future that has not arrived. You also realize that watching movies and eating popcorn are not a remedy for grief.\nThis exercise can help us to pause and parse tough experiences into manageable pieces. It increases our ability to see the interaction between the components of experience and can assist in allowing us to step back from our reactivity. We learn the language of our experience, developing the facility to articulate it more clearly. We can then decide whether we can let the situation go, let it be or address it, and if so, how?\n* It’s worth doing many times. You may be surprised to see how often you react in a similar way, regardless of the difficulty you are facing.\n– Patricia Rockman MD CCFP FCFP\nThis piece was originally published on Mindful.org as Using Mindfulness to Navigate Self\nPatricia Rockman MD CCFP FCFP is an associate professor with the University of Toronto, department of family and community medicine; cross appointed to psychiatry. She is the past chair of the Ontario College of Family Physicians Collaborative Mental Health Network. She is a medical psychotherapist and leads leads MBCT groups. She has been educating healthcare providers in stress reduction, CBT and mindfulness-based practices for over 20 years. She is a founder and the Director of Education and Clinical Services at the Centre for Mindfulness Studies and the developer of the MBCT Core Facilitation Certificate Program.", "label": "No"}
+{"text": "Swing dance a brief history essay\nLindy hop history 1/8/2014 0 comments even the famous harvest moon ball eliminated aerials during the contests for a brief it is a form of swing in 1914, a. The history of dance free essay, term paper and book report the history of swing dates back to the 1920's, where the black community, while dancing to contemporary. A brief dance history: from the beginning of time, sacred movement, song and story have brought people together - at times of seasonal ceremony and celebration, as. Ballroom essays result for he belongs to a family that possesses a history of traditional ballroom dancing and is lindy hop is a member of swing dance. This essay african dance history and other africans civil right movemen and history the history of swing music dance and culture of kerala : a brief history.\nDiscover more about this centuries-old dance format and how to line dance below line dancing history although many popular line dances are set to country music. Check out our top free essays on fragonard 039 s the swing to help you write your own essay brainiacom join now login search saved papers research project - brief history of. A brief history of piano greats and jazz essay dance was changing rapidly and new styles of dances were an example of swing jazz is duke ellington’s c-jam. Part 1 of from swing to chicago step instruction series brief description of evolution of jazz dancing from charleston to lindy hop to swing like us at.\nWrite a 2-page, double-spaced essay about the history of a selected swing dance due week 12 potential subjects: east coast swing, west coast swing, charleston, lindy. Following yesterday's grammy nominations, let's delve into the academy's odd relationship with dance and electronic genres. A brief dance history: from the beginning of time, sacred movement, song and story have brought people together - at times of seasonal ceremony and celebration, as part of everyday life and. Jitter and jive by carl zebrowski up-tempo dance styles also known collectively as swing dancing (“swing” was a common name for the music that accompanied. History of jazz essays which gave jazz its characteristic swing together with from the excerpt from a brief history of jazz-a unique american art.\nA brief dance history of ballroom, breakdance, country, fad, flamenco, hiphop, jazz and latin dance, salsa, swing, hip hop essay conclusion interesting american. The history of swing music the history of swing music and dancing history of electronic dance music essay a history of electronic dance music by. Jazz and it's history length: 1259 words (36 double-spaced pages) rating: a brief history of piano greats and jazz essay - a brief history of piano greats and jazz the piano has been a. Home » tap dance in america - a very short history tap dance - the indigenous american artform that has taken the world by storm one shuffle at a time. History of swing dancing the history of swing dance dates back to 1920 origins of swing, lindy hop, jitterbug and jive.\nBrief history of swing dancing (the original form of swing dance) people could post a small cash prize with the emcee for a brief mini-contest among the. The wdr big band: a brief history radio stations began to rework their in-house “dance and world war ii: essays in modern german and world history. Swing dancing essays: fashionable and accessible in jazz history swing music was an extension of the new orleans down to a six-count dance and is the. History of rap essays result for history of rap: 500 essays rap music's effect on american culture 15 pages (3750 words) the worldliness of english in saudi arabia lecturer. In the brief period from 1910 through 1915, more than a hundred new dances emerged and disappeared from they took their unique ideas and styles and made continue for 10 more pages ».\n- A brief history of piano greats and jazz was the inspiration for the famous swing dance of the 1920’s a history essay.\n- Jazz a true american art form jazz - a brief history 1 jazz a true american art form.\n- History of jazz essays result for history of jazz: 500 essays history of jazz 4 pages (1000 words), essay thus jazz originated from the strong underlying beat provided by the.\nHistory of swing dancing swing is a very energetic and unique dance it can be simple or complex, but you can be assured it s always fun there are many. The history of odissi dance is very rich odissi dance form has contributed a distinct school of classical dance to the rich mosaic of indian culture, which has been internationally. The swing analysis elements within this from the moment the movie began with a remarkable dance sequence, to possibly one of the most dramatic and heart wrenching final scenes in movie.", "label": "No"}
+{"text": "Infant Motor Development is the first text to concentrate on motor development during infancy—the stage in which the greatest qualitative changes in the life span occur. It is an excellent introduction to the most relevant and common issues researchers, clinicians, and parents face.\nThis groundbreaking text combines theory with application to provide the most current account of infant motor ability and disability—including the latest prenatal research—all in one comprehensive resource. Infant Motor Development presents criteria for selecting the most appropriate assessment tool and intervention strategies to improve the motor functioning of infants with particular problems. The result is an essential textbook for graduate students and an up-to-the-minute reference for health professionals and researchers.\nInfant Motor Development is organized into four parts covering theory, research, assessment, and intervention. It integrates information from a variety of disciplines to encourage a broad understanding of infant motor development. Topics include the development of voluntary movements such as posture, stability, balance, and orientation; manual control of reaching and grasping; locomotor control of creeping and walking; the unique difficulties faced by premature infants; and an examination of two disabilities with devastating consequences to motor control: cerebral palsy and Down syndrome.\nInfant Motor Development contains many helpful features:\nSidebars highlighting the relationship between research and therapeutic practice\nChapter objectives and summaries that clarify the main ideas and simplify the review process\nKey points that highlight important concepts throughout the text\nGlossary of terms that clearly defines the concepts used in infant motor development\nWith Infant Motor Development, students will understand the subject area from a variety of disciplines and perspectives, researchers will discover the most current theory and findings, and clinicians will learn to apply theory and research in their work with infants.\nPart I: Foundations of Infant Motor Development Chapter 1. Early Movement Capabilities\nSensory Capabilities in the Newborn\nMotor Development in Infancy\nChapter 2. Theoretical Approaches to Motor Development\nHistorical Overview of Theoretical Approaches\nEcological/Natural Systems Approach\nChapter 3. Motor Control and the Brain: Motor Development and Neural Plasticity\nNeurophysiology of Movement\nBrain Development and Neural Plasticity\nFunction of Central Nervous System in Motor Development\nPart II: The Development of Voluntary Movement Control Chapter 4. Postural Control: Development of Stability, Balance, and Orientation\nDefinition and Description of Postural Control\nDevelopmental Transitions in Balance Control\nInfluences on the Development of Postural Control\nChapter 5. Manual Control: Development of Reaching and Definitions and Descriptions of Prehension\nReaching in the First Few Months\nDevelopment of Successful Reaching\nDevelopment of Grasping\nBimanual Reaching and Grasping\nManual Asymmetries in Infancy\nChapter 6. Locomotion: Development of Creeping and Walking\nPrescriptive Views of Locomotor Development\nLocomotor Development From a Perspective of Dynamic Systems\nLeg Asymmetries in Infancy\nPart III: Assessment of Motor Ability In Infants Chapter 7. Appropriate Choice of Motor Assessment Test\nImportance of Motor Assessment\nCriterion- and Norm-Referenced Assessments\nComponents of Good Assessment Tools\nSpecial Issues of Infant Testing\nChapter 8. Neurobehavioral Motor Assessment and Other Tests\nNeonatal Neurological Examination\nNeonatal Neurobehavioral Assessment\nQualitative Assessment of General Movements in Infants\nEvaluation of Neonatal Examinations\nChapter 9. Diagnostic Motor Assessment and Screening Tests\nRecent Technological Advances in Diagnostic Assessment\nPart IV: Motor Control and Developmental Disorders Chapter 10. Motor Development in Preterm Infants\nCauses of Premature Birth and Low Birth Weight\nMotor Development in the First Few Months\nIntervention Approaches for the High-Risk Preterm Infant\nChapter 11. Cerebral Palsy\nDefinition of Cerebral Palsy\nOccurrence of Cerebral Palsy\nCategories of Cerebral Palsy\nEtiology of Cerebral Palsy\nCerebral Palsy Registers\nIdentifying Cerebral Palsy in the Early Years\nOrthopedic Approaches to Intervention\nEarly Intervention Approaches\nChapter 12. Down Syndrome\nDefinition of Down Syndrome\nCharacteristics of Individuals With Down Syndrome\nMotor Development in Down Syndrome\nAbout the Author\nA reference for specialists in motor development, motor behavior, early childhood, and rehabilitation; a textbook for undergraduate and graduate motor development courses.\nJan P. Piek, PhD, is an associate professor at the Curtin University of Technology in Perth, Western Australia. Her major areas of research are motor control and motor development. Since 1992, she has received three research fellowships to conduct work in motor control.\nPiek has published extensively in journals in Australia and internationally. She contributed a chapter to D.J. Glencross and J.P. Piek's Motor Control and Sensory-Motor Integration: Issues and Directions (Amsterdam: Elsevier Science, 1995). She is also the editor of Motor Behavior and Human Skill (Champaign: Human Kinetics, 1998).\nPiek has coordinated the Motor Control & Human Skill Research Workshops since the program's inception in 1991. She is a member of the School of Psychology at Curtin University of Technology, where she also manages the Research Centre for Applied Psychology. She received the Vice-Chancellor's Award for Excellence from Curtin University of Technology in 1996. Her most recent fellowship is the Curtin University postdoctoral research fellowship, from 1997 to 2000.\nShe is a member of the Australian Psychological Society and the International Society for Infant Studies and an editorial board member of Infant Behavior and Development. She earned her PhD from the University of Western Australia.", "label": "No"}
+{"text": "Sauteing is carried out over a burner in a sizzling, shallow pan and uses a small quantity of oil or fat to coat food for even browning. This method cooks meals in a short time so it is best to keep the food moving by tossing or flipping. To obtain nice results with sauteing, make certain the oiled pan is scorching before adding any food, do not overcrowd the pan with too many objects, and stir or toss frequently. Some vegetables and fruits — corresponding to mushrooms, tomatoes, chilies, cherries, cranberries and currants — have a more intense flavor when dried than when fresh. Adults should restrict calories from saturated fat to no more than 10 p.c of complete every day calories. For a 2,000-calorie food plan, which means not more than 200 calories from saturated fat — about 22 grams of saturated fat — a day.\nFood is mandatory for all seasons, months, years, days. But there is no respect in India towards farmers. Gov is doing criticism.#किसान_पीछे_नही_हटेगा #आंदोलन_किसानों_की_मजबूरी pic.twitter.com/lrAtT2wKm0\n— Karan Randhawa 🖤 (@Krn02x) May 11, 2021\nThis cooking method includes submerging food in water that has been heated to the boiling level of 212 levels Fahrenheit. The boiling water produces giant bubbles, which hold meals in motion while they cook. The expression slow boil signifies that the water has simply Food & Cooking started to produce large, sluggish-transferring bubbles however is not quite heated to the boiling temperature. A full boil occurs on the boiling level and results in quick-transferring, rolling bubbles.\nDietary Modifications, Diet Information And Cooking Abilities\nKitchens are sometimes high-stress environments that can shortly cause burn out. While some people may thrive in the kitchen, there are opportunities for many Cooking who love cooking to make a living outside average culinary arts. In 1800s, cooking takes more time and vitality of the common housewife.\nThese bloggers have had three cookbooks printed that present their wide-ranging food interests such as Breakfast for Dinner and That’s My Jam. Mostly cooking from scratch, Michelle share recipes for every thing from dips to desserts. Links to quite a lot of purchasing portals in addition to Baking 101 and movies. Alexandra loves cooking everything from scratch together with salad dressings, stocks, and beans and legumes.\nYou’ll discover her weblog to your taste significantly if you’re into Italian cooking and Mexican food –Chef in Traininghas a pretty big quantity of enchiladas recipes – but she doesn’t shy from Asian cuisine as nicely. Her Korean Beef Bulgogi is unquestionably price a try, to not mention her Chocolate Croissant Bread Pudding that appears like something every sweet-toothed indulger needs on their Heaven table. Healthier stuff, designed to satisfy your every craving, can be found right here, too. So, most of their recipes are vegan and gluten-free, if you live in Chicago or within the close by area, you may also go to the best native markets the couple purchase their recent components from. Want to put this sort of tasty food in your desk as well as having a plan at hand for additional meals?\nCheck your pantry and fridge before you head to the shop to ensure you’re buying what you actually need. The average American family throws out $1,600 value of food a 12 months. It turns out that with duct tape and plastic baggage you can do just about Food anything. With each successive experiment I am getting much less and less messy. I started a stash and every time we are doing an exercise that liberates plastic bags I grab the promising ones and put them in my stash so I have them handy for the following cooking day.\nCooking Problem Accomplished!\nHe has a tipsy baking collection (or “bipsy”) where he reveals a drink recipe and baking recipe multi function video. Newton, or “Newt” makes enjoyable recipe videos that are simple to observe and stress-free to watch. Hands are extremely delicate and sophisticated cooking instruments. You can develop this sense of contact by paying attention to how totally different meals feel at totally different degrees of doneness, even as you’re checking them with a thermometer, a toothpick, or a knife. Meat, for instance, goes from being very soft when it’s rare to quite agency when well done. Touch also can point out when a cake is baked, if a dough is kneaded sufficient, and whether or not a pear is ripe.\nThe fixed motion ensures that every one the grains cook evenly in the small amount of liquid, and helps develop the starchy sauce. Take, for example, the weblog post you are currently reading. Originally we were going to write down about tips on the way to be a better cook, but we got sidetracked on reddit — so as a substitute you’re getting our high 10 food-associated subreddits and why you ought to be browsing them.", "label": "No"}
+{"text": "Satsumas: Kids love'em, but greening is likely on the way here\nThe early returns show that satsuma oranges developed for production in South Georgia’s climate are immensely popular with kids.\n“They love them,” said Ware County Farm Bureau Director Garrett Ganas. “How do you say, ‘no, stop eating them?’ Son, you want to sit down and eat a bag of oranges? Sure. Go ahead.”\nLikewise, Lowndes County Extension Coordinator Jake Price let his children take some to school. They shared them with classmates and came back asking for more. With the fruit still in development, supplies were limited. The demand, though, was readily apparent.\n“They’re easy to peel, seedless, they’re like Cuties and Halos, but they’re grown here in Georgia, and they can tolerate cold weather,” said Price, who spoke about satsuma research in Lowndes County during the Southeastern Fruit & Vegetable Growers Association Citrus Conference on Jan. 10. “That’s why we’re starting the satsumas and the cold-hearty varieties that we can do up here.”\nPrice offered tips for growers like Ganas who are interested in adding citrus groves or expanding their existing ones.\nPrice said growers should have a marketing plan before planting trees, even though the trees can take four or five years to reach full fruit-bearing maturity.\nThen, take steps to protect them from cold temperatures. The Georgia varieties, once mature, can withstand short periods of temperatures as low as 10 to 12 degrees Fahrenheit, but taking steps to mitigate the cold will help the trees reach maturity. For instance, knowing that winds usually break on the north and west side of hills, producers should plant satsuma trees on south-facing slopes.\n“There’s a lot of little things you can do to kind of help your site before you plant,” Price said.\nSo far, Georgia growers have planted satsumas as far north as Statesboro.\n\"People are rolling the dice a little bit, but so far so good. There’s no sure thing in farming,” he said, though mature trees tend to handle cold temperatures better than younger ones.\nAfter taking weather trends into consideration, the other key threat to the oranges is citrus greening caused by bacteria spread by Asian citrus psyllids, small insects that eat stems and leaves of citrus trees. Georgia doesn’t have a greening problem yet, Price said, though the psyllids have been found in residential trees along the Georgia coast.\nPrice emphasized purchasing trees from a reputable source, including Florida-based USDA- approved nurseries, where the young trees are grown inside to limit exposure to the psyllids.\n“You don’t want to buy trees from roadside gas stations, anything grown outside in Florida where there’s threats of citrus greening, or on the coast of Georgia and the Gulf Coast areas, where they have greening and the psyllids will transmit the greening. Don’t bring in trees from one of those areas,” Price said.\nEarly preparation for greening is critical to satsuma growers’ success, he said, noting that Georgia’s producers can benefit in part from the experience Florida growers have had with citrus greening. More is known now about the disease and how it spreads.\n“It’s probably inevitable that we’re going to get greening in commercial groves,” Price said. “Know the ins and outs of greening because you’re going to get it.”\nGanas, a long-time pecan producer who expects to have his first marketable citrus crop in fall 2020, wanted to diversify his farm. And while the new trees present a number of challenges, the fruit seems to sell itself.\n“There’s a lot of attention being paid to the health benefits of it,” Ganas said. “You’ve got something that is very attractive to mothers and children. An aspect of it that has not been spoken of much is elderly people, because of how easy the fruit is to peel. That’s not been hit on very much, but I think it could be a huge selling point for some fruit.”", "label": "No"}
+{"text": "Cardiovascular disease and periodontal (gum) disease are two different conditions with their own set of symptoms and outcomes. But they do share one common element: inflammation. In fact, this otherwise normal defensive response of the body might actually create a link between them.\nWhen tissues become damaged from disease or injury, the body triggers inflammation to isolate them from the rest of the body. This allows these tissues to heal without affecting other tissues. If inflammation becomes chronic, however, it can damage rather than protect the body.\nThis happens with both cardiovascular disease and gum disease. In the former, low-density lipoproteins (LDL or “bad cholesterol”) in animal fat leave behind remnants that can build up within arteries. This stimulates inflammation of the vessel’s inner linings, which accelerates hardening and increases the risk of heart attack or stroke.\nWith gum disease, bacteria living in a thin, built-up film of food particles on the teeth called plaque infect the gum tissues, which in turn trigger inflammation. A struggle ensures between the infection and inflammation, causing the gum tissues to weaken and detach from the teeth. Coupled with erosion of the supporting bone, the risk of tooth loss dramatically increases.\nRecent research now seems to indicate the inflammatory responses from these two diseases may not occur in isolation. There is evidence that gum inflammation could aggravate inflammation in the cardiovascular system, and vice-versa. The research, though, points to some possible good news: treating inflammation in either disease could have a positive effect on the other.\nMaking heart-friendly lifestyle changes like losing extra weight (especially around the waist), improving nutrition, and exercising regularly can help reduce LDL and lower the risk of arterial inflammation. Likewise for your gums, daily oral hygiene and visiting the dentist at least twice a year reduces the risk for gum disease. And at the first sign of a gum infection—swollen, reddened or bleeding gums—seeking immediate treatment will stop it and reduce any occurring inflammation.\nTaking steps to prevent or reduce inflammation brought on by both of these diseases could improve your health and save your life.\nIf you would like more information on how your oral health affects your whole body, please contact us or schedule an appointment for a consultation. You can also learn more about this topic by reading the Dear Doctor magazine article “The Link between Heart & Gum Disease.”", "label": "No"}
+{"text": "Ad Blocker Detected\nOur website is made possible by displaying online advertisements to our visitors. Please consider supporting us by disabling your ad blocker.\nA common question in teaching a computer science course is “Is a Journal Entry Template a useful learning tool in a computer science class?” This question requires some explanation because I use journal entries to teach a computer science course.\nEntry Accounting Resume Exclusive Bookkeeping Resume Sample Unique from journal entry template excel , source:sierraelizabethblog.com\nI teach a digital science course and one of the things we do is to do a writing exercise about a lesson or topic that the students have learned. Students have many opportunities to do this during the course and some of them, usually, more advanced students will try it but some of them never quite get it.\nThe first major component is that they do not show their students what they did but allow them to use their own words in the journal. Then, each week, we do a word association test for the students. So, for example, we had a test on the topic of communication.\nGuest List Template Excel Journal Entry Template Excel Best Create from journal entry template excel , source:templaterecords.com\nOne group was asked to write the word before and another group was asked to write the word after. Their assignment was that if they could find the word in the word association test, they could write it in the journal entry.\nThe first group did a great job of writing an entry on the same topic as the one they had been assigned. The second group was a disaster. They had no idea what the word meant and no clue as to what the word associations were. For example, they wrote the word business and another student wrote the word increase.\nFree Cash Flow software Excel from journal entry template excel , source:barcodesystem.org\nIt was during that writing exercise that I realized that the students had been using the word associate but they did not know how to properly perform the word association test. Now they could not correctly identify the word increase even though they had studied the word association test. It was their writing that was bad, not the word association test.\nI then instructed the second group to write the word business and ask them to look it up on the internet or a dictionary to see what it means. It was suggested that they use the word instead of writing it in the journal.\nDouble Entry Accounting Template New Journal Entry Template Excel from journal entry template excel , source:nativerevision.org\nThe students learned the lesson and I now use this method to teach a digital science. We do it in a class by making our students write in the journal every week and then we do the word association test to see if they are correctly identifying the word in the exercise.", "label": "No"}
+{"text": "Researchers from CSIRO are beginning an Australian first science mission to deploy ocean surface unmanned Sail Drones to sail the world.\nTypical research vessel ships cost tens of thousands of dollars per day to operate and require several on-board staff and researchers to operate equipment and collect data. However sail drones are unoccupied sail crafts controlled remotely from smart devices and rely on solar to charge their batteries and wind to sail. Additionally, sail drones are not weather dependent like ship work is and can stay out in extreme conditions for up to 12 months at a time. Sail Drones can also sample at much shallower waters, while research vessels are typically restricted to a minimum of 20 metres in depth.\nThe sail drones will collect significant data throughout the world, which will aid in the future of marine sustainability. Recently sail drones gathered data from various species of Pollock by using an Echo Sounder instrument which bounces sound waves off the backs of the fish and records the abundance of fish in the area.\nSail drones can also be programmed to follow individual animals; this was carried out in 2016 when specific fur seals were tracked to record their habits such as dive information and swimming locations. This data collection assists in determining marine food availability in different parts of the ocean.\nSail Drone technology opens up a new world for science and research, and it is as a result of significant research and development that such a technology can now be used and operated worldwide. Companies engaging in research and development (R&D) are greatly supported and can be eligible to receive up to a 43.5% tax offset for eligible R&D expenditure. Swanson Reed R&D Tax Consultants help companies to claim this incentive and ensure that they receive the maximum amount they are eligible for. Contact one of our advisors today for an eligibility assessment, we look forward to speaking with you and guiding you through the process of receiving your company’s tax incentive.", "label": "No"}
+{"text": "In Ireland, milk is produced in a way many consumers would like. The mild climate creates the opportunity for cows to be on pasture throughout the year.\nOn May 9th and 10th 2019, 20 udder health experts from 13 different EU countries met in Dublin, Ireland. The goal of the meeting was to learn about the Irish milk production system, to exchange knowledge and practices and to finalize the first collaborative milk quality research.\nOn the research farm of the University College of Dublin the experts got a picture of the Irish milk production system. Seasonal calving can be a challenge for animal health in the Irish pasture based system because everything, from drying off to calving happens at the same time. This potentially increases infection pressure and thus requires excellent management. Although genetics and udder health has greatly improved in the last years thanks to good collaboration between the Irish institutes, Staphylococcus aureus remains a challenge and one of the most frequently isolated pathogens in milk of infected udders.\nThe experts discussed the final results of a 2 year collaborative research project. Gerrit Koop from Utrecht University coordinated the collection of 300 Staphylococcus aureus samples from many EU countries and sequenced their genome. PhD student Jurriaan Hoekstra, also from Utrecht, presented the genomic- and related pathogenic diversity of this mastitis pathogen throughout the EU.\nThe European Mastitis Panel meeting is organized yearly by MSD Animal Health, each year in a different EU country.\nText: Jantijn Swinkels – Marion Weeeda", "label": "No"}
+{"text": "The ~1.6 Ga Tirohan Dolomite of the Lower Vindhyan in central India contains phosphatized stromatolitic microbialites. We report from there uniquely well-preserved fossils interpreted as probable crown-group rhodophytes (red algae). The filamentous form Rafatazmia chitrakootensis n. gen, n. sp. has uniserial rows of large cells and grows through diffusely distributed septation. Each cell has a centrally suspended, conspicuous rhomboidal disk interpreted as a pyrenoid. The septa between the cells have central structures that may represent pit connections and pit plugs. Another filamentous form, Denaricion mendax n. gen., n. sp., has coin-like cells reminiscent of those in large sulfur-oxidizing bacteria but much more recalcitrant than the liquid-vacuole-filled cells of the latter. There are also resemblances with oscillatoriacean cyanobacteria, although cell volumes in the latter are much smaller. The wider affinities of Denaricion are uncertain. Ramathallus lobatus n. gen., n. sp. is a lobate sessile alga with pseudoparenchymatous thallus, “cell fountains,” and apical growth, suggesting florideophycean affinity. If these inferences are correct, Rafatazmia and Ramathallus represent crown-group multicellular rhodophytes, antedating the oldest previously accepted red alga in the fossil record by about 400 million years.\nThe last common ancestor of modern eukaryotes is generally believed to have lived during the Mesoproterozoic era, about 1.6 to 1 billion years ago, or possibly somewhat earlier. We studied exquisitely preserved fossil communities from ~1.6 billion-year-old sedimentary rocks in central India representing a shallow-water marine environment characterized by photosynthetic biomats. We discovered amidst extensive cyanobacterial mats a biota of filamentous and lobate organisms that share significant features with modern eukaryotic algae, more specifically red algae. The rocks mainly consist of calcium and magnesium carbonates, but the microbial mats and the fossils are preserved in calcium phosphate, letting us view the cellular and subcellular structures in three dimensions with the use of synchrotron-radiation X-ray tomographic microscopy. The most conspicuous internal objects in the cells of the filamentous forms are rhomboidal platelets that we interpret to be part of the photosynthetic machinery of red algae. The lobate forms grew as radiating globular or finger-like protrusions from a common centre. These fossils predate the previously earliest accepted red algae by about 400 million years, suggesting that eukaryotes may have a longer history than commonly assumed.\nCitation: Bengtson S, Sallstedt T, Belivanova V, Whitehouse M (2017) Three-dimensional preservation of cellular and subcellular structures suggests 1.6 billion-year-old crown-group red algae. PLoS Biol 15(3): e2000735. https://doi.org/10.1371/journal.pbio.2000735\nAcademic Editor: David Penny, Massey University, New Zealand\nReceived: August 5, 2016; Accepted: February 7, 2017; Published: March 14, 2017\nCopyright: © 2017 Bengtson et al. 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 fossil specimens used for this investigation have been deposited in the collections of the Swedish Museum of Natural History, where they are available for study. Tomographic data used in the investigation are available from the Dryad Digital Repository: http://dx.doi.org/10.5061/dryad.gh221.\nFunding: Paul Scherrer Institute https://www.psi.ch/useroffice/useroffice (grant number 20070197, 20080872, 20100167, 20110963, 20130185, 20141047). The funder had no role in study design, data collection and analysis, decision to publish, or preparation of the manuscript. Swedish Research Council http://www.vr.se/inenglish.4.12fff4451215cbd83e4800015152.html (grant number 2007-4484, 2010-3929, 2013-4290). The funder had no role in study design, data collection and analysis, decision to publish, or preparation of the manuscript.\nCompeting interests: The authors have declared that no competing interests exist.\nAbbreviations: ESEM, environmental scanning electron microscopy; FECA, first eukaryote common ancestor; LECA, last eukaryote common ancestor; SEM, scanning electron microscopy; SRXTM, synchrotron-radiation X-ray tomographic microscopy\nMulticellular eukaryotes rose to prominence around the Proterozoic–Phanerozoic transition coupled to evolving ecological interactions between megascopic autotrophs and heterotrophs. Animals in particular are thought to have had a pivotal role as—for example—predators, grazers, and filterers in expanding the food web through interactive processes not available to microbial life . Fungi, the other major opisthokont multicellular clade, are important heterotrophic consumers, but their role in Phanerozoic ecosystem evolution is generally considered to be focused on the terrestrial biosphere [2–4]. The three major lineages of multicellular eukaryotes—Plantae, Fungi, and Metazoa—diversified already during the Proterozoic, but the time of eukaryote origin is under dispute (reviews by [5–9]). Estimates of the age of the last eukaryote common ancestor, LECA (the last ancestor of the eukaryote crown group), vary between extremes of about 0.8 Ga  and 2.3 Ga , though most proposed dates based on modern molecular-clock work land within the Mesoproterozoic [7,12–16] or late Palaeoproterozoic . The considerable interval of uncertainty is due to difficulties in establishing the origination time of fossil taxa used for calibration as well as to other problems involved in molecular-clock dating. One major issue is the lack of robust phylogenies in the base of the eukaryotic tree [6,18–23].\nThe age of the first eukaryote common ancestor, FECA (the last ancestor of the eukaryote total group), is even more uncertain, an extreme proposal being early Archaean, based on evidence of methanogenesis at 3.5 Ga taken to herald the appearance of the euryarchaeotan sister group (containing methanogenic archaea) of the clade containing the Eukaryota . The presence of more widespread methanogenesis in the basal archaean tree , however, leaves this inference without support. A more conservative minimum estimate suggests that FECA had arrived some time before 1.9 Ga based on the earliest widely acceptable eukaryote fossils . However, it is in the nature of stem-group organisms (see  for a discussion of the stem-group and crown-group concepts in palaeontology) that initially they do not differ phenetically from representatives of their sister group, and thus, attempts to identify FECA in the fossil record are a hopeless exercise.\nMore pertinent is the question of when stem-group eukaryotes had acquired fossilizable features that would enable us to recognize them in the fossil record. The path from FECA to LECA may have been a fast endosymbiosis-dominated set of events  or a slow process marked by successive events of horizontal gene transfer . To distinguish between those two scenarios, it is necessary to identify eukaryote characters correctly in the deep fossil record.\nThe fossil morphological record of early eukaryotes is thus of crucial importance, but most reports of pre-Cryogenian eukaryotes have at some point been challenged. The interpretation of morphologically simple fossils as early eukaryotes has mainly been based on large size, ornamentation of walls, and a complex, resistant wall ultrastructure [5,7,9,27,28]. The iconic Palaeoproterozoic tubular fossil reported as Grypania (which lacks the segmented structure of the Mesoproterozoic type species and may not be a true Grypania ) is generally heralded as the first plausible eukaryote in the fossil record, mainly based on its size [7,30–34], though the eukaryotic affinity has been questioned , with an alternative interpretation being its identification as a giant cyanobacterium [35,36]. Other early eukaryote-like fossils [37–40] are plausible as such but unconfirmed as crown-group eukaryotes.\nGeochemical evidence has also been summoned in support of early eukaryotes, but even more controversially. A much-cited report of 2.7 Ga sterane biomarkers attributed to eukaryotes [41,42] has been shown to be in error, the biomarkers having been introduced as younger contaminants . In spite of subsequent attempts to identify Archaean eukaryote biomarkers, all such evidence for eukaryote presence is now considered invalid, not only because of contamination issues  but also because the putative Archaean steranes that were taken as proxies for eukaryotic membrane sterols may also derive from noneukaryote life .\nEstablishing a minimum age for LECA implies identifying crown-group eukaryotes in the fossil record. Bangiomorpha, interpreted as a bangiophycean rhodophyte , is dated to about 1.1–1.25 Ga . It represents the oldest generally accepted (though see [16,17,35,48]) fossil crown-group eukaryote. Earlier unicellular fossils interpreted as rhodophytes  have not found acceptance . Simple acritarchs at 1.8 Ga  have been argued to indicate a presence of chlorophytes at that time , but the identification of the fossils as crown-group eukaryotes is controversial .\nWe have studied uniquely preserved fossils from the ~1.6 Ga Tirohan Dolomite at Jankikund, Chitrakoot, central India, and present here cellularly and subcellularly preserved diverse forms that show characters of rhodophytes, implying that crown-group eukaryotes, and consequently LECA, are no younger than the Palaeoproterozoic.\nThe Vindhyan Supergroup consists of a thick, unmetamorphosed sequence of sandstones, shales, and carbonate rocks, as well as volcanoclastic rocks. The ~1.6 Ga  Chitrakoot Formation, which includes the Tirohan Dolomite, belongs to the Lower Vindhyan (the Semri Group) and is exposed north of the Son River Valley in the Chitrakoot region, Uttar Pradesh and Madhya Pradesh, central India (Fig 1). The formation rests unconformably on the Bundelkhand Granite and is unconformably overlain by the Kaimur Sandstone [53,54].\nAfter Azmi et al. , based on several sources.\nThe phosphatized stromatolitic rocks of the Tirohan Dolomite at the Paisuni River section, Jankikund, are known for their exquisite preservation of microbial fossils [52,55,56]. The unit consists of stromatolitic carbonates with phosphorite occurring as bands within and capping the stromatolites. The intercolumnar matrix contains phosphatic intraclasts. The phosphatized fossils are found both in the intercolumnar matrix and in the phosphate bands in the stromatolites. Parts of the rock are silicified. The Tirohan Dolomite was deposited in a marine shallow-subtidal to supratidal environment [53,54,57]. Deposition in a photic and oxygenic environment is demonstrated by the dominance of gas-producing cyanobacteria .\nResults and discussion\nThe tubular components of the Tirohan stromatolitic biota mostly consist of aggregating masses of entangled filaments, interpreted to represent filamentous cyanobacteria [52,56]. Furthermore, scattered among the stromatolitic layers and the intercolumnar debris are isolated tubular structures. Most of these are less than 10 μm in width and are probably sheaths of filamentous bacteria or chains of bacterial cells. Some tubes, however, are considerably larger and represent potential eukaryotic organisms. Being rare, these have not been observed in petrographic sections but have been recovered by manual selection from acid residues.\nThe larger tubes vary in width from 58 to 275 μm. Similar forms from the Tirohan phosphorites were initially reported and interpreted as Cambrian taxa, Cambrotubulus decurvatus and Hyolithellus vladimirovae . The ensuing controversy about the age of the Lower Vindhyan and the provenance of the fossils was resolved by the demonstration that the Tirohan fossil tubes were morphologically analogous to modern filamentous algae rather than to the named Cambrian taxa and that Pb–Pb isochron analysis confirmed a late Palaeoproterozoic rather than Cambrian age of the phosphorites . However, the biological nature of these enigmatic fossils has not until now been seriously investigated.\nOur microtomography data clarify the internal structure of the tubular fossils, suggesting that they represent two significantly different organisms, here named Rafatazmia chitrakootensis n. gen., n. sp. and Denaricion mendax n. gen., n. sp. Rafatazmia ranges in width from 58 to 175 μm, Denaricion from 130 to 275 μm. Rafatazmia consists of concatenated cell-like compartments, often collapsed or distorted, resulting in buckling and folding of the exterior, whereas Denaricion has a solid internal structure similar to a stack of coins, upholding the integrity of the outer shape.\nTaphonomy and diagenesis of Rafatazmia tubes.\nThe fossilized structure of most Rafatazmia tubes is dominated by void-filling apatite similar to that which is common in Neoproterozoic and Cambrian phosphatized fossils [58–60]. It takes the shape of fibronormal apatite crystals forming a layered growth on the substrate (Fig 2C and 2D). Because of irregularities on the overgrown surface, the crystals frequently fan out to produce a spherulitic or botryoidal texture (Fig 2D and 2E). Growth of the layers may be directed only inwards toward the central cavities (Fig 2D) or in opposite directions starting out from both sides of the original walls (Figs 3J–3L, 4B–4D, 4F and 4G). Void-filling apatite often forms irregular structures within the compartments, occasionally even filling them completely; in the latter case, the filling can be seen to have protected the outer walls from buckling (compare the two upper compartments with the bottom one in Fig 4H–4J).\n(A–D) NRM S156424 (also figured in ); C and D are backscatter images of a polished transverse section. (E) NRM X5647. (F, G) NRM X5648.\n(A–C) NRM X5646, surface, volume, slice. (D–F) NRM X5592, surface, volume, slice. (G, H) NRM X4230, surface, volume. (I–L) NRM X4229, surface, volume, slice. Legend: sw, septal wall; is, incomplete septum. Scale bars 50 μm.\n(A–D) NRM X4251, surface, volume, slice. (E–G) NRM X5572, surface, volume, slice. (H–J) NRM X5562, surface, volume, slice. Legend: ec, external coating; db, diagenetic boundary; sw, septal wall; tw, thick wall. Scale bars 50 μm except where otherwise noted.\nA unique specimen with one compartment open to the outside, through apparent loss of part of the outer wall, shows internal diagenetic apatite growth on both sides of the original septal wall (Fig 4D, sw) as well as an external growth layer that is continuous with a secondary layer covering the original internal coating layer (Fig 4D, ec). Taken together, these observations indicate that there are at least two generations of diagenetic void-filling apatite: the internal coating formed early and was the main agent for preserving the physical integrity of the outer and inner walls; the outer diagenetic layer, when present, is a later addition.\nRafatazmia tubes showing original intracellular features are preserved in microcrystalline apatite (Fig 5). This suggests that the microcrystalline apatite is an early diagenetic replacement of biological substance, whereas the layered fibronormal apatite represents later events of diagenetic incrustation. Comparable conclusions have been reached with regard to similar diagenetic fabrics in the phosphatized fossils of the Ediacaran Doushantuo Formation [59,61].\n(A–L) Holotype, NRM X4258. (A) Surface rendering. (B) Volume rendering with rhomboidal disks coloured for visibility. (C) Virtual slice. (D) Surface. (E) Volume. (F–L) Transverse slices (positions indicated in B). (M–O) NRM X5620, surface, volume, slice. (P–R) NRM X5574, surface, volume, slice. Scale bars 50 μm.\nMorphology of Rafatazmia tubes.\nThe 58–175 μm wide Rafatazmia tubes are up to ca. 2 mm in length (Fig 6A); the ends appear not to be preserved. The tubes are divided by transverse septa into compartments that range from 30 μm to 165 μm in length. The positions of the septa are usually seen on the outside as annular grooves (Figs 2, 3D, 4, 5 and 6B). The external annulation may be visible even when the internal preservation is too poor to show any remnants of septa (Fig 3D–3F). Although the length can vary significantly between adjacent compartments (Figs 3J–3L, 4B and 4F), there is a general isometric trend in which the width of the filaments is linearly correlated with the length of the cells (Fig 7).\nA: NRM S156422 (also figured in ). (B, C) NRM X5544, surface, volume.\nData sources for the modern taxa: Oscillatoriacea [62–64] and Soft-Bodied Stream Algae of California (http://dbmuseblade.colorado.edu/DiatomTwo/sbsac_site/). Beggiatoa [65–70]. Spirogyra (Soft-Bodied Stream Algae of California). Individual measurements are in Supporting Information in the file S1 Data.\nMost compartments are empty, meaning that they are not filled with apatite but with secondary carbonate that was mostly dissolved during acid extraction of the fossils (see remaining carbonate crystals in Figs 2C, 2D, 4F, 4G, 5Q and 5R). A few have an irregular content of void-filling phosphate that envelopes undefined objects or fills the compartment completely, but most of these structures do not show any recurring pattern and are not deemed to be significant in terms of original morphology of biological features (Figs 4J and 8).\n(A–D) NRM X4246, surface, volume, slice. (E–G) NRM X4240, surface, volume, slice. (H–J) NRM X4242, surface, volume, slice; arrows point to new septa with central pore. Scale bars 50 μm except where otherwise noted.\nThe septa between compartments are typically flat but sometimes bulge into adjacent compartments to form concavo-convex partitions (Figs 4B, 4C, 4F, 4G, 5Q and 5R). Some irregularities in the septa can be explained as the result of taphonomic collapse of the tube structure (Fig 8A–8D), but generally, the septa also remain undisturbed when the outer tube wall is strongly distorted (Figs 4J, 8D and 8G). The specimen in Fig 4E–4G has a general pattern of 125–145 μm distance between septa, which is broken by a single septum in the middle of one compartment (Fig 4G, arrow). This septum has a pore in the central part and possibly represents a new dividing wall under formation. A similar phenomenon is seen in Fig 8I and 8J, where two incomplete septa (arrows in J) partition larger (80–110 μm long) compartments, though not into equal parts. A more irregular pattern of incomplete septa can be seen in Fig 3K and 3L, where four consecutive septa are open in or near the middle. The irregular appearance of minute septum-like projections from the outer wall within the same region of the tube (Fig 3L, is) complicates the picture, however, emphasizing the difficulties of recognizing original structure through a taphonomic/diagenetic overprint.\nThe best-preserved specimens of Rafatazmia are shown in Fig 5. They are preserved in microgranular apatite with little addition of void-filling matter. The holotype of R. chitrakootensis (NRM X4258, Fig 5A–5L) has six compartments, separated by septa that are internally complete and externally visible as distinct furrows between the slightly convex walls of the compartments. Two of the compartments are distorted by collapse, but all have a distinct and consistent internal structure. This consists of a cylindrical body attached to the outer wall and extending toward the middle of the compartment, suspending a flattened-rhomboidal object in the centre. This object is 50–60 μm diagonally (except one 93 μm wide, Fig 5K) and 20 μm thick and is clearly visible in five of the six compartments (Fig 5F–5L). The flattened plane is aligned with the length axis of the filament. The supporting body is detached from all but the peripheral parts of the dividing septum, forming a thin planoconvex space by the septum. In the middle, where the rhomboidal object is suspended, there is a lenticular space (Fig 5C, 5F, 5G, 5I and 5K).\nThe two other specimens in Fig 5 (Fig 5M–5R) are not as completely preserved as the holotype. There is no cylindrical internal body, but most septa have a flattened or globular object attached to the central part, in some cases expressed on both sides of the septum (Fig 5R, top). In at least one case (Fig 5M–5O), their size and morphology suggest that they represent degraded specimens of the rhomboidal objects that have lost their suspending material and attached to the septal membrane. This may, however, not explain the several cases in which there are small objects consistently situated on or through the centre of septa, where they typically nucleate diagenetic spherules (Figs 4E–4G, 5P–5R and 9).\nArrows point to diagenetic overgrowths indicating the presence of irregularities consistently placed at the centre of septa and interpreted as possible pit plugs. (A) NRM X5573. (B) NRM X5645. (C) NRM X5626. (D) NRM X5610. (E) NRM X5613. Scale bars 50 μm.\nThe original wall in most cases appears to have been very thin (black line at “sw” arrow in Fig 3L). In the specimen in Fig 4A–4D, the boundary representing the wall (sw) is considerably less distinct than that between the primary and secondary diagenetic overgrowth (db). A dividing gap of 2–3 μm in a polished transverse section may represent the original wall between outward- and inward-growing apatite (Fig 2C, arrow). Exceptionally, a thicker wall (about 7 μm) composed of homogenous apatite surrounds a compartment (Fig 4D, tw); this feature is interpreted to represent a modified cell with a thickened cell wall.\nMorphology, taphonomy and diagenesis of Denaricion tubes.\nThe 130–275 μm wide tubes of Denaricion (Fig 10) are always broken at both ends, usually at planes of weakness producing flat surfaces of breakage. The longest fragment (Fig 10A–10C) is 755 μm in length, and the preserved stretches of tube are straight to evenly curved. The cross section is circular to slightly oval.\n(A–C) Holotype, NRM X5644, surface, volume, slice. (D–F, V) NRM X5604, surface, volume, slice, volume/slice. (G–I) NRM X5634, surface, volume, slice. (J, K) NRM X4233, surface, volume. (L, M, U) NRM X4234, surface, volume, volume/slice. (N–P) NRM X4244, surface, volume, slice. (Q, R) NRM X4256, surface, volume. (S–T) NRM X4235, surface, volume. Arrows in U and V point to dark lines suggesting incipient septation. Scale bars 50 μm except where otherwise noted.\nIn contrast to Rafatazmia, Denaricion tubes have an almost solid interior, consisting of microgranular apatite that weakly expresses a structure like a stack of coins (Fig 10C, 10E, 10F, 10H, 10I, 10K, 10M, 10O, 10R, 10T, 10U and 10V). Void-filling apatite is generally absent, which suggests early replacement of biological tissue by microgranular apatite, not affected by later void-filling phosphatization such as in Rafatazmia. The “coin-stack” structure is faintly or not-at-all visible in virtual slices but can be seen in semitransparent volume renderings in projections perpendicular to the tube axes (cf. the left [volume rendering] and right [virtual slice] parts of Fig 10U and 10V, respectively). The “coins” appear to be in touch at the periphery but have a somewhat concavo-concave shape resulting in a lens-shaped volume of lower X-ray attenuation (dark) between the “coins.” Where the structure is distinctly expressed, there is a thin line of low attenuation in the middle of each “coin” (Fig 10U and 10V, arrows).\nIn addition to the fine stacking pattern, there is a compartmentalization expressed as a more distinct plane cutting from edge to edge (Fig 11, asterisks); this is also a plane of weakness where the tubes are usually broken off. In several cases, the planes delimit sections of different degrees of mineralization, as apparent through differences in colour and/or X-ray attenuation (e.g., Fig 10B and 10M). With minor exceptions, the number of “coins” within one such compartment is 8 or 16 (Fig 11); some compartments also have a somewhat less distinct plane between the fourth and fifth “coin” in a sequence (Fig 11C and 11D, rings), suggesting a general geometric pattern of 4/8/16.\nAsterisks show divisions between 8-cell compartments; rings mark weaker divisions between the fourth and the fifth cell within some compartments. (A) Same as in Fig 10B. (B) Same as in Fig 10M. (C) Same as in Fig 10K. (D) Same as in Fig 10E.\nThe outer surface of the tubes is normally smooth, though it may be obscured by a diagenetic coating of apatite (Fig 10A, 10D, 10G, 10J, 10L and 10N). Occasionally, the planes of compartmentalization are visible as faint annulations beneath the coating (Fig 10L).\nInterpretation of the tubular fossils.\nFilamentous organisms are widespread among microbial taxa. The first question to address is whether the tubular fossils described herein represent pro- or eukaryotes.\nSize often takes a central position in the identification of fossil eukaryotes, but it has long been recognized that prokaryotic and eukaryotic cell sizes overlap considerably and that size cannot be used as an absolute criterion in fossil interpretation . Bacterial cells, although typically of micrometre size, can attain dimensions of hundreds of micrometres : cells of the sulfur bacterium Thiomargarita may be as large as 750 μm in diameter , and the filamentous sulfur bacterium Beggiatoa reaches 190 μm in width .\nThe compartments in Rafatazmia can confidently be identified as concatenated cells of a filamentous organism. The 4/8/16 pattern of distribution of the Denaricion “coins” shows them to be formed by duplication through coordinated septation, providing strong support for their interpretation as cells. Fig 7 shows a comparative diagram of filament width and cell volume in the two Vindhyan taxa versus modern oscillatoriacean cyanobacteria (Oscillatoria and Lyngbya), sulfur-oxidizing filamentous bacteria (Beggiatoa), and zygnematalean filamentous green algae (Spirogyra). The Vindhyan taxa both cluster at the upper right end of the diagram. Conspicuously, there is no overlap with the filamentous cyanobacteria, which have a filament width not exceeding 80 μm [63,64] and a maximum cell volume almost four times smaller than that of the smallest Vindhyan form. The sulfur-oxidizing Beggiatoa follows the same trajectory as the cyanobacteria but reaches a considerably wider diameter, about 190 μm, and in its upper range it clusters together with Denaricion, which, however, reaches a diameter of 275 μm. The zygnematalean Spirogyra in its upper size range follows the same trajectory as Rafatazmia. Throughout its size range, and particularly in the lower part of the range, Spirogyra exhibits a considerably larger cell volume than the prokaryotic filaments of similar width.\nThese size comparisons show that Rafatazmia conforms to a eukaryotic cell size distribution, with an approximately isometric size increase. Denaricion, on the other hand, follows a trajectory of filamentous prokaryotes, characterized by more severe constraints on cytoplasmic volume. In terms of filament width, it exceeds Rafatazmia and known prokaryote filamentous forms, but the tendency of the Denaricion cells to become thinner and form “coin stacks” with increasing filament diameter is characteristic of large filamentous cyanobacteria .\nYet, as Denaricion clearly falls outside the size range of known cyanobacteria (Fig 7; [63,64]), comparisons may rather be made with the large sulfur bacteria, in particular, Beggiatoa. The constraints on prokaryote cell volume are thought to be due to the limits of diffusion speed within a cytoplasm that lacks membrane-bound cytoskeletal transport mechanisms. The extreme sizes of Beggiatoa and some other sulfur bacteria do not reflect cytoplasmal volume, however, but rather the presence of intracellular vacuoles; the cytoplasm typically occupies only a thin veneer between the cell membrane and the vacuole , perhaps amounting to some 2% of the total cell volume . The vacuoles of sulfur bacteria, commonly a storage site for nitrate, are prone to rapid collapse during degradation, as has been confirmed by decay experiments in the laboratory . The apparent stiffness of the Denaricion filaments and the solid structure of its fossilized cell contents speak strongly against the cells being occupied by a liquid vacuole. Furthermore, there is no evidence in Denaricion of the sulfur granules that would be expected in the cytoplasm of a sulfur-oxidizing bacterium . The systematic placement of Denaricion is thus problematic. Its living possible analogues among prokaryotes either are too small (filamentous cyanobacteria) or lack the preservation potential (sulfur-oxidizing giant filamentous bacteria) to be likely relatives. While acknowledging the possibility of extinct prokaryote branches with larger cytoplasmic volumes than in known forms, we leave the question of the affinities of Denaricion open at present.\nA eukaryotic affinity of Rafatazmia is suggested primarily by its cell volume (Fig 7) and by the presence of large organelle-like objects inside the cells (Fig 5A–5L). Subcellular structures in microbial fossils are notoriously difficult to interpret, and much literature has been devoted to controversies about the nature of globular or irregular objects seen within Proterozoic microfossils [50,71,74–82]. The gist of the controversies has been whether such objects are taphonomic/diagenetic features, such as degraded and shrunken protoplasts, or whether they can be interpreted as more distinctly defined subcellular objects, in particular, nuclei or pyrenoids. A middle road was recently taken by Pang et al. , who suggested that globular objects in acritarchs of the late Palaeoproterozoic Ruyang biota in northern China represent shrunken protoplasts formed by the organism during encystment.\nWithout morphological or structural data in support, the interpretation of intracellular structures in fossils is bound to be controversial. Numerous identifications of fossilized nuclei have been made, but most of them have not withstood scrutiny, although it is known from Phanerozoic occurrences that cell nuclei, even chromosomes, can be faithfully replicated by fossilization . Nuclei have been identified in Neoproterozoic embryo-like fossils based on features such as recurrence, position, shape, volumetric relationships, and evidence of closed mitosis [78,79,81], but without support from such morphological evidence, the nature of alleged fossilized nuclei is bound to be controversial.\nThe intracellular features of Rafatazmia cells are distinct, involving a rhomboidal disc suspended in the middle of each cell by a regular framework of cytoplasmic matter. Growth seemingly took place by septation of cells, and the organism occasionally produced thick-walled cells, maybe as part of an encystment process. The central object is preserved in early-diagenetic fine-grained apatite, and the recurring features of rhomboidal shape, central position, and orientation with its major plane within the length axis of the filament strongly indicate that original biological morphology is represented. Given the size of these intracellular objects, an interpretation as eukaryotic organelles is reasonable. Bacterial organelles, such as carboxysomes, are enclosed within a proteinaceous shell in microcompartments that typically are only a few hundreds of nanometres in diameter ; the rhomboidal bodies of Rafatazmia are more than a hundred times wider. Within a eukaryotic frame of reference, the Rafatazmia rhomboids may represent, e.g., nuclei, plastids, or pyrenoids. Given the polygonal (rhomboidal) shape, a pyrenoid is the more likely alternative.\nPyrenoids are dense proteinaceous bodies associated with chloroplasts in most groups of algae [85,86]. They are commonly involved in the production of starch—or the floridean starch of red algae—and tend to take on a polygonal shape . The relation between polygonal shape and the surrounding starch plates is most commonly observed in green algae, chlorophytes [77,88], but even though floridean starch is stored in the cytoplasm rather than in the chloroplast, polygonal pyrenoids are also known from red algae, rhodophytes (Figure 2A, 2B in ). The number of pyrenoids in a cell or in a chloroplast varies enormously between taxa, but basal rhodophyte lineages [90–92] are generally characterized by cells having a single, centrally located plastid with a conspicuous pyrenoid [88,93], as exemplified by filamentous Porphyridium , Chroodactylon [95,96], and Bangia . Later lineages tend to lose the encasing starch shells  and thus their angular pyrenoids.\nPyrenoids are of different sizes, but most are much smaller than the rhomboidal bodies in Rafatazmia. The size of a pyrenoid, however, is under comparable conditions correlated with cell size , and the relative sizes of the Rafatazmia internal bodies versus cells are fully comparable to those seen in modern algae with singular pyrenoids (Figure 4 in ).\nFilament endings are not preserved in the fossilized Rafatazmia, but the evidence of incomplete septa forming within individual cells (Fig 4G, arrows, and Fig 8I and 8J) suggests that growth took place by diffusely distributed septation rather than from apex tips or specialized meristems. In rhodophytes, diffuse growth characterizes the early branching lineages, such as the bangiophytes, whereas filamentous florideophyceans have apical growth meristems . The presence of a central pore in Rafatazmia septa and of small bodies in corresponding positions in other septa is reminiscent of the mode of septation in rhodophytes, in which new septa are commonly incomplete and the central pore may later be filled with a tubular membrane called a primary pit plug, connecting the two daughter cells; pit plugs are unique to multicellular red algae and are particularly common in the Bangiophycea/Florideophycea clade [92,100]. The preservation of the Rafatazmia structures in diagenetic apatite, however, does not allow any definitive comparison with rhodophyte pit plugs.\nCells with single plastids having a large pyrenoid occur in other filamentous algae, such as the chlorophytes Klebsormidium and Uronema, but these forms have parietal chloroplasts, resulting in a nonaxial position of the pyrenoid. A few zygnematalean chlorophytes (the group including Spirogyra, which was used for morphological comparisons in Fig 7), such as Zygnema, have a single pyrenoid per plastid but two plastids per cell.\nThe presence of a single pyrenoid per cell in Rafatazmia is therefore not an unambiguous character to distinguish rhodophyte versus chlorophyte affinity. The indications of pit connections and pit plugs, if corroborated, may place Rafatazmia within the crown-group Rhodophyta. The diffuse growth would further place it within the Bangiophycea, but the possibility that diffuse growth of filaments is a plesiomorphy for the rhodophytes makes this assignment also uncertain.\nThe fabric of cyanobacteria-dominated biofilms in the stromatolitic columns contains embedded lobate thalli with cellular preservation. These differ significantly in size, structure, and preservation from the surrounding microbial communities and are analysed here as potential eukaryotes, Ramathallus lobatus n. gen., n. sp.\nTaphonomy and diagenesis of Ramathallus thalli.\nThe millimetre-sized lobate thalli are part of the dense apatitic stromatolitic fabric and have only been observed in sections and in untreated stromatolite slabs, not in acid-isolated residues. They appear light grey in sections under reflective light (Fig 12A), the cell lacunes being light grey or white and the walls between the cells a darker grey (Fig 12B). Under transmitted light, the 1–3 μm thick cell walls are light beige-pink with a central refractive or dark line (Fig 13B and 13C). Cell interiors are an opaque brown to black, often with a granular appearance (Fig 13C). Under the scanning electron microscope, the walls are seen as a 0.2–0.5 μm thin microcrystalline sheet coated on both sides by a more coarsely crystalline layer (e.g., Fig 14). This suggests that the original wall was considerably thinner than the 1–3 μm thick walls seen under the optical microscope, most of the thickness representing diagenetic coating. The presumed original cell walls consist of equant, approximately 0.2–0.5 μm, apatite crystals (Fig 14B, fc). The larger crystals coating the walls are dominantly hexagonal apatite tablets and prisms, 0.5–1 μm in cross-section and up to 3 μm in length (Fig 14B, cc).\n(A, B) NRM X5639, reflected light. (C, D) NRM X5643, thin section.\nThin section. (A) Overview of specimen. (B) Detail of A to show cell structure in finger-like protrusions and noncellular apatitic coating. (C) Detail of B to show dark granular material within cells.\nEnvironmental scanning electron microscopy (ESEM) images, backscatter mode. (A) Globular bodies (gb) within cells. (B) Coarse crystals (cc) and fine crystals (fc) in diagenetically phosphatized cell walls.\nNondiagenetic differences in cell size are common (e.g., Fig 15B and 15C), but the exact size of a cell is difficult to judge because of diagenetic overprint. The content of the volume inside the cell walls and the degree of apatite encrustation vary, even between adjacent cells (Fig 15D and 15E). Some cells are hollow, and some are more-or-less completely filled with apatite crystals (Fig 15E, gm), but the majority contain residual carbonaceous matter with embedded apatite crystals (Fig 15E, cm), corresponding to the dark granular cell interiors seen under the light microscope (Fig 13C). Zones of stronger phosphatization within a thallus may appear as compact material with only sporadically visible cell interiors (light horizontal zone of upper part in Fig 16A); such fabric may be difficult to separate from noncellular features such as the light apatitic crust covering many thalli (e.g., Fig 12D, right, and Fig 16A, left). The latter is up to 40 μm thick and lacks the botryoidal fabric typical of void-filling apatite (cf. the diagenetic coating in Rafatazmia; Fig 2C and 2D). It shows undulating extinction, however, and thus implies a diagenetic overprint that may be coeval with the void-filling apatite, which frequently overlies it (see Figs 17B and 18C, upper right). The morphology and distribution suggest that it replaces an original biological feature of the fossils.\nESEM images, backscatter mode. (A) Overview. (B and C) Details of A to show pseudoparenchymatous structure with “cell fountains” and varying cell sizes. (D and E) Details of C to show preservation of cells. Legend: cm, carbonaceous matter; gm, granular matter.\nThin section. (A) Thallus with well-developed “cell fountains” in club-like distal part. (B) Thallus with “cell fountains” and cortex-like structure of enlarged cells.\n(A) NRM X5641, SRXTM volume rendering. (B) NRM X5642, thick section.\nMorphology of Ramathallus thalli.\nThe thalli are megascopic, ranging from approximately half a millimetre up to well over 3 mm across. Aggregations of thalli can attain a size of more than a centimetre (Fig 12A). The thalli are lobate in shape and typically project bulbous extensions (Figs 12, 13, 17 and 18) radiating from a central point of the structure (Fig 13A). Protrusions may take the form of separate globular or finger-shaped objects or be more closely adpressed to each other, separated by deep invaginations (Figs 12C, 13B and 18C). Some protrusions have a narrower stalk-like base and a more bulbous distal part (Fig 16A). The size of single cells ranges from approximately 5 μm to 15 μm. In the projecting parts of the thallus, the cells are lined up in “fountains,” producing a pattern typical of pseudoparenchymatous tissue (Figs 15B and 16–18). These cells are typically elongated in the direction of the cell row, and in the narrower regions of such a protrusion, the cell rows take on a stretched-out, filamentous appearance (Fig 18B).\nThe smallest cells are usually in the “cell fountains,” whereas larger ones may appear in the bulbous upper parts of a protrusion (Figs 12D and 16B), in globular bodies appearing near the base of larger protrusions (Fig 16A, lower left), or as separate smaller protrusions (Figs 15A, 15C–15E, 18C and 19). The larger-celled globular bodies often do not have the same pseudoparenchymatous pattern as the larger protrusions but are more irregularly packed. In parts of the smaller bodies, the cells are repeatedly arranged as an isolated quadruplet lying in one plane, forming a four-leaf-clover pattern (Fig 19B–19G, arrows, Fig 19H). Larger cells commonly have a small internal globular body, coated with apatite crystals similar to those lining the inside of the cell walls (Fig 14A, gb)\nSRXTM slices. (A) Larger field of view to show the location of the imaged volume. (B–G) Consecutive sections through volume of larger cells, where putative tetraspores are marked with arrows. (H) Stereo anaglyph showing surface-rendered cell volumes of three putative tetraspores (yellow) surrounded by nontetradially arranged cells (grey, transparent).\nSurrounding most of the thalli is an up to 40 μm thick homogenous apatitic coating (Figs 12C, 12D, 13A, 13B, 16A, 18A and 18C). It is continuous with, and identical in structure and colour with, the sheaths separating adjacent thallus protrusions (Figs 12C and 13B) and shows no evidence of a cellular organization. A similar coating also lines lacunae that are sometimes found in the interior of the complex thalli (Fig 13A; cf. also Figs 12C, 15A and 17B). The presence of a diagenetic layered overgrowth makes it sometimes difficult to determine the presence and extension of the homogenous outer layer (Figs 12B, 16A, 17B and 18C, upper right).\nInterpretation of Ramathallus.\nRamathallus was a sessile benthic organism, as indicated by its growth mode, with lobate protrusions radiating from a centre, and its in situ preservation within the Vindhyan microbial mats. The lobes were mainly composed of pseudoparenchymatous tissue in the form of “cell fountains.” Cell sizes were highly variable. Apparent tetraspores (the quadruplets in Fig 19) were present in localized places in the smaller globular protrusions. The thallus was embedded in a noncellular matrix that also penetrated between the lobes. No distinct cellular cortex has been observed, but the expanded cells at the outer portions of the thallus underneath the noncellular coat (Figs 12D and 16B) may have been specialized as meristematic cells and thereby represent apical growth.\nPseudoparenchymatous tissue formation is a basic way of making a resilient thallus through the coordinated growth of coalescing filaments. This type of structure is widespread among organisms with fundamentally filamentous growth, and as such, it is prone to convergence. It is characteristic of fungi and algae, particularly florideophycean rhodophytes, as well as some phaeophytes and chlorophytes . Certain chroococcalean cyanobacteria, such as Chloroglea and Entophysalis, form three-dimensional multilayered colonies in which cells may be lined up in a pseudoparenchymatous pattern, but they tend to be irregularly arranged , not showing the distinct “cell fountains” of eukaryotic pseudoparenchyma. Nor do they display the complex and fleshy thallus characteristic of many eukaryotic algae as well as Ramathallus.\nRamathallus resembles the similarly preserved and similarly sized algal fossils in the Ediacaran Doushantuo phosphorites of China—in particular, the pseudoparenchymatous, lobate taxa Thallophyca Zhang (1989 ), Thallophycoides (Zhang and Yuan (1992 ), Paramecia Zhang and Yuan (1992 ), and Gremiphyca (Zhang et al. (1998 ). These taxa were reinvestigated by Xiao et al. , who compared them mutually and with fossil and modern algae on the basis of thallus morphology, cellular architecture, mode of growth, and putative reproductive structures. The authors concluded tentatively that Thallophycoides and Gremiphyca are likely stem-group florideophyceans, whereas Paramecia and Thallophyca are stem-group corallines and consequently belong within the crown-group florideophyceans, .\nThallophycoides and Gremiphyca have globular to nodular thalli with no evidence of attachment. The pseudoparenchymatous structure is simple, with uniform cell size and no cortex–medulla differentiation. The spherical thalli of Wengania Zhang (1989 ) may represent early developmental stages of these simple forms .\nThallophyca has a foliose or lobate thallus with conspicuous pseudoparenchyma built up of “cell fountains,” probable tetraspores, and a distinct cellular cortex with cells smaller than those of the medulla and oriented parallel or perpendicular to the surface of the thallus. In addition, it has clusters of larger cells—“cell islands”—embedded in the tissue, sphaeroidal cavities, cylindrical invaginations, and sorus-like structures that have all been interpreted as possible reproductive features . Paramecia has a nodular, compartmentalized thallus with less-conspicuous pseudoparenchyma than Thallophyca and a distinct cortex–medulla differentiation; it too has embedded “cell islands” and cavities that may be involved in reproduction .\nThe Vindhyan Ramathallus differs from Thallophycoides and Gremiphyca in its more complex, lobate thallus, nonuniform cell size, distinct “cell fountains,” and a cortex-like region of enlarged apical cells. It is most similar to Thallophyca in its complex thallus and conspicuous “cell fountains” but differs from both Thallophyca and Paramecia in lacking a distinct cortex, “cell islands,” and cavities of possible reproductive nature (the cavities seen in Figs 12C and 13A may be of diagenetic origin). The presence of tetraspore-like structures in both Ramathallus and Thallophyca may possibly signify a common feature, but their occurrence in the respective taxa is not consistent. In Ramathallus, the structures occur scattered among cells of comparable size in large-celled globules, whereas in Tetrathallus they occur as large-celled aggregates within masses of considerably smaller cells. In neither case is the biological significance of the structures clear.\nRamathallus is thus taxonomically distinct from the billion-year younger Doushantuo forms, but its lobate thalli with distinct pseudoparenchyma, “cell fountains,” apical growth, and cortex-like modifications of the distal parts of the lobes all suggest affinity to the Doushantuo taxa; comparisons can be made with Thallophyca in particular. As discussed by Xiao et al. , the listed characters are most consistent with florideophycean rhodophytes, although like Ramathallus the Doushantuo taxa lack evidence of pit connections, a common feature among florideophyceans. Based on the vegetative characters of Ramathallus, in the absence of clear reproductive features in the thallus, we tentatively propose a stem-group florideophycean affinity of the Vindhyan taxon, which would place them within the crown-group Rhodophyta.\nGiven the remarkably old age that we cite for the rhodophyte-like fossils reported herein, it is necessary to discuss in some detail the reliability of the ~1.6 Ga date for the Tirohan Dolomite. Vindhyan stratigraphy has generated a considerable amount of discussion and controversy over the years, and even in the recent literature, age estimates for the Semri Group (Lower Vindhyan) are given as either Palaeo–Mesoproterozoic, as indicated by geochronology [106,107], or Ediacaran–Cambrian, as suggested with reference to fossil content [108,109].\nCorrelation between the Chitrakoot Formation and the Semri sequence in the Son Valley is not straightforward , but regional isopach and lithofacies interpretations suggest that the Chitrakoot Formation belongs within the upper part of the Semri Group; in particular, correlation is suggested between the Tirohan Dolomite at Chitrakoot and the Rohtas Limestone (Rohtasgahr Limestone of some authors) in the Son Valley .\nRecent geochronological results from the Semri Group in the region are summarized in Fig 20. The Rohtas Limestone in Son Valley has been dated by Pb–Pb isochrons to 1,601±130 Ma , 1,599±48 Ma , and 1,514±120 Ma , respectively. These dates are in agreement with the more precise U–Pb dates of 1,602±10 Ma and 1,593±12 Ma obtained from euhedral magmatic zircon grains in tuffs from the immediately underlying Rampur Shale . Further down in the Son Valley sequence, tuff layers in the Deonar Porcellanite have been dated with the same zircon U–Pb method by two independent laboratories to 1,631±5 Ma, 1,631±1 Ma , and 1,628±8 Ma , respectively. Still further down, the Kajrahat Limestone has yielded two Pb–Pb isochron dates of 1,707±190 Ma and 1,729±110 Ma . From the Kajrahat and Rohtas Limestones have also been published two Rb–Sr dates of 1,014±18 Ma and 939±22 Ma, respectively . These anomalous dates may be affected by late illite formation  but in any case do not support an Ediacaran–Cambrian age of the Semri Group.\nThe shaded band indicates correlation of the Tirohan Dolomite (Chitrakoot Formation) with the Rohtas Limestone. Uncertainties are 2σ.\nA kimberlite pipe at Majhgawan, about 30 km southwest of Chitrakoot, intrudes the Kaimur Sandstone, the lowermost unit of the Upper Vindhyan sequence, which unconformably overlies the Semri Group. The Kimberlite has yielded a mean Ar–Ar age of 1,073.5±13.7 Ma , confirming the pre-Neoproterozoic age of the Lower Vindhyans. For broader reviews of geochronological work on the Vindhyans, see Ray , Azmi et al. , and Basu and Bickford .\nThe presumed correlative equivalents of the Tirohan Dolomite in the Son Valley have thus been dated with precision and congruence to be very close to 1.6 Ga. This is within error margins identical to the 1,650±89 Ma age obtained from a Pb–Pb isochron dating directly of the fossiliferous phosphorite in the Tirohan Dolomite at Chitrakoot . Also from the Chitrakoot area, Kumar et al.  obtained six Rb–Sr dates from glauconies in the Chitrakoot Formation, ranging from 1,409±14 Ma to 1,531±15 Ma. Although younger by some 100–200 million years than the above cited dates, the model Rb–Sr ages from the glauconite remain in agreement with an old, Palaeo–Mesoproterozoic age of the Lower Vindhyan. The comparatively young age obtained by Kumar et al. may be due to the well-known tendency of Palaeozoic or older glauconite to yield Rb–Sr ages that appear to be too young by 10%–20% , a phenomenon that can persist even through leaching experiments using a variety of agents , including the HCl leaching performed by Kumar et al. . Ages that are apparently too young even after leaching may also indicate later recrystallization of glauconite , although Kumar et al.  consider this unlikely for their samples.\nBiostratigraphic arguments have been forwarded in support of a considerably younger age, Ediacaran–Cambrian, of the Lower Vindhyans [55,108,109]. With regard to the claims of Cambrian fossils in the Tirohan Dolomite [55,56,108], these were discussed and refuted by us  as being based on misidentified algae (Rafatazmia and Denaricion herein), cyanobacterial biomat fragments, and gas bubbles. The only cited radiometric date that would support an Ediacaran–Cambrian age of the Son Valley Lower Vindhyans is a “preliminary” Ar–Ar date of 617±3.5 Ma from the Deonar Porcellanite Formation, published only in a conference abstract  and never substantiated.\nA recent study of drill cores through allegedly Lower Vindhyan sedimentary rocks in the western Vindhyan sub-basin, Chambal Valley, Rajasthan, revealed a succession of diverse and well-preserved acanthomorph acritarchs of Ediacaran aspect . The authors offer two alternative interpretations of this discovery: the Semri Group is Ediacaran in age or complex acanthomorph acritrarchs evolved much earlier than hitherto supposed. An additional alternative may be that the correlation of the investigated sequence with the Lower Vindhyan in Son Valley/Chitrakoot is incorrect. A major problem in Vindhyan stratigraphy is the lack of reliable correlation between the eastern (Son Valley and Chitrakoot) and western (Rajasthan) sub-basins owing to differences in lithology, lack of common marker horizons, lack of congruence in chemostratigraphy, lack of biostratigraphically useful fossils, and lack of continuous outcrops [110,122]. The Chitrakoot Formation indeed contains large acritarchs with complex wall structure [40,54], but these are not acanthomorphs and rather seem comparable to the assemblages in the ~1.7 Ga Ruyang Group in northern China  and the 1.5–1.4 Ga Roper Group in northern Australia .\nThe ~1.6 Ga geochronological date of the Tirohan Dolomite is robust. This conclusion is based on a congruence of radiometric measurements, but particularly important are the U–Pb analyses of magmatic zircon, the most precise and accurate absolute dating method for rocks of this age, in the Son Valley Lower Vindhyan [114,115], as well as the direct Pb–Pb isochron dating of the fossiliferous phosphorite . Apparent conflicts with biostratigraphic considerations are likely to be resolved through reexamination of the fossil evidence , but in general they serve as an indication that the Proterozoic fossil record of both micro- and megafossils is richer than hitherto recognized. The preservation window opened by the phosphorite deposit in the Tirohan Dolomite thus underscores that we have been missing a lot of the biotic diversity in the Palaeo–Mesoproterozoic because of the dearth of lithologies suitable for fossilization of delicate tissues.\nRhodophyte phylogeny and age\nTogether with chlorophytes and glaucophytes, the rhodophytes belong to the Archaeplastida , which seem to have derived their chloroplasts from a single endosymbiotic event involving a cyanobacterial donor . Other algal groups obtained their chloroplasts from secondary endosymbiosis with different archaeoplastid groups . The Vindhyan putative rhodophytes, having already diversified into multicellular filamentous and lobate forms, would have been subsequent to the primary symbiotic event, and their photosynthetic ability is suggested by the presence of pyrenoid-like structures in Rafatazmia and an apparent phototactic growth mode in Ramathallus.\nYoon et al.  recognized seven rhodophyte lineages, among which the florideophyceans and bangiophyceans were united as sister groups within one clade. The basal phylogenetic relationships were largely unresolved, although the unicellular acidophilic Cyanidiophyceae came out as a sister group to the remaining rhodophytes.\nThe presented data suggest that crown-group rhodophytes—the putative florideophycean Ramathallus and possible bangiophycean Rafatazmia—were present in the ~1.6 Ga Vindhyan stromatolitic microbialites. Whether or not these two taxa belong to the extant clades as proposed, they seem to be part of the unresolved clade that forms a sister group to the unicellular cyanidiophyceans and so would belong to crown-group rhodophytes. This runs contrary to recent concepts about the evolutionary timing of eukaryote lineages. Several recent molecular-clock studies [16,17,48] have had problems in using the ~1.2 Ga Bangiomorpha  as a calibration point for bangiophycean or even rhodophyte appearance, because it had seemed too old to make sense.\nMolecular-clock estimates of lineage divergence times in the tree of life are heavily dependent on calibration based on occurrences and events in the fossil record. Uncertainties in fossil calibration have a dominant effect on the dating of nodes in molecular phylogenetic trees [128,129]. The first representative of a lineage in the fossil record postdates the origination of that lineage by an unknown interval of time; thus, the age of a fossil only gives a minimum age for the lineage. Depending on the fossilization potential of the particular organisms and the availability of suitable rocks, the interval of uncertainty can be of any length and may be more or less easy to assess. For the Phanerozoic, the richness of the rock record and the presence of easily fossilized organisms allow the construction of reasonably reliable calibration intervals , but the Proterozoic is by comparison unchartered territory in which fossiliferous deposits are scarce and fossils often controversial in nature. Calculated Proterozoic divergence dates are commonly based on extrapolations from Phanerozoic calibration intervals.\nBerney and Pawlowski  based a calibration of the eukaryote tree on the Phanerozoic microfossil record of coccolithophorids, diatoms, and dinoflagellates. Using a Bayesian relaxed-clock model, they arrived at dramatically different dates for the divergence of major eukaryote groups depending on whether or not Proterozoic fossils were included in the calibration. When Bangiomorpha was used to set a minimum age for the red algae, the resulting age for LECA was 3,868 Ma, with a 95% confidence interval of 4,182–1,830 Ma, whereas exclusion of Bangiomorpha gave a LECA age of 1,126 Ma (1,357–947 Ma). For this reason, they concluded that Bangiomorpha and other proposed Proterozoic algal and fungal taxa more likely represent basal lineages of eukaryotes convergent on extant lineages and that calibration should be based only on Phanerozoic data.\nParfrey et al.  similarly compared divergence dates depending on whether or not Proterozoic fossils were used for calibration. Their relaxed-clock results were more stable to the inclusion/exclusion of Proterozoic fossils than those of Berney and Pawlowski , yet they found the origination date of the rhodophytes to shift considerably, from 1,285–1,180 Ma (95% credible range) to 959–625 Ma, when Proterozoic taxa were excluded. Parfrey et al.  favoured the inclusion of the Proterozoic fossils for calibration, leading to a LECA age of 1,866–1,679 Ma, older than that of most modern molecular-clock estimates. This result, however, required Bangiomorpha to be placed at the base of the crown-group rhodophytes, not with the bangiophyceans.\nSharpe et al. , using a relaxed-clock model, estimated the origin of rhodophytes to 996 Ma, with a 95% credible interval of 1,186–801 Ma. They found Bangiomorpha, treated as a stem-group multicellular rhodophyte lineage, to be at odds with the calculations and excluded it as a calibration point. They argued that unless Bangiomorpha was not a red alga or incorrectly dated, currently used Bayesian relaxed-clock models might be insufficient to deal with changes in evolutionary rates within lineages.\nYang et al.  accepted Bangiomorpha as a rhodophyte, though again not as a bangiophycean but as an early rhodophyte stem group, for calibration. When testing two approaches to assigning prior distributions within their Bayesian relaxed-clock model, they found that the date for bangiophycean/florideophycean divergence shifted from 943 Ma to 1,661 Ma, and because the older date seemingly contradicted the fossil evidence, they preferred the approach yielding the lower age. They also found that their results were sensitive to the inclusion of Bangiomorpha, but having included it, they arrived at a rhodophyte/chlorophyte divergence date of 1,693 Ma (1,925–1,484 Ma). This is older even than the LECA age of most studies.\nThere remain a number of theoretical problems to be resolved with molecular-clock datings of ancient divergences, but the pattern that emerges from the above examples is that current models are not adequate to deal with a minimum-age constraint for crown-group multicellular rhodophytes at 1.2 Ga, as defined by Bangiomorpha. In order to fit the pattern of calibrations based mainly on Phanerozoic data, Bangiomorpha has to be reclassified as a stem-group eukaryote, as a stem-group rhodophyte, or, at best, near the first representative of the crown-group rhodophytes.\nRafatazmia and Ramathallus are some 400 million years older than Bangiomorpha and are tentatively interpreted as representing multicellular crown-group rhodophytes already diversified into filamentous and fleshy forms. This would change the constraints dramatically for the timing of divergences within early rhodophytes and within Eukaryota as a whole. Maybe this can be accommodated by taking into account previously downplayed possibilities, such as changes in substitution rates in multiple lineages over time [131,132], but the basic task should be to discover and study Archaean and Proterozoic fossils and base interpretations on the available evidence rather than on how they happen to fit into currently accepted time frames [133–137].\nGenus Rafatazmia Bengtson n. gen.\n- Type and only species. Rafatazmia chitrakootensis Bengtson n. sp.\n- Etymology. In honour of Dr. Rafat Azmi. The name is feminine in gender.\n- Diagnosis. Nonbranching filamentous alga, 58–175 μm in width. Cells of different sizes, with lengths from half to more than twice the width. Diffuse growth by septation. New septa with central pore; some septa also with central globular object, sometimes penetrating the septum; these structures are possible pit connections and pit plugs. Large rhomboidal disk suspended in the middle of each cell; interpreted as a pyrenoid.\nRafatazmia chitrakootensis Bengtson n. sp. Figs 2–6, 8 and 9.\n- Holotype. Swedish Museum of Natural History NRM X4258 (Fig 5A–5L).\n- Type stratum. Tirohan Dolomite, Jankikund section, Chitrakoot, India. 25°09′46″N, 080°52′05″E.\n- Etymology. From its occurrence at Chitrakoot.\n- Diagnosis. As for the genus.\nGenus Denaricion Bengtson n. gen.\n- Type and only species. Denaricion mendax Bengtson n. sp.\n- Etymology. From Latin denarius, a silver coin, and Greek kion, “pillar,” referring to the likeness of the internal structure to a stack of coins. The name is masculine in gender.\n- Diagnosis. Nonbranching filamentous alga or prokaryote, 130–275 μm in width. Cells short, coin-shaped. Growth by coordinated septation producing a geometric 4/8/16 pattern of cells within compartments that are at least partly sealed from each other by a solid septum.\nDenaricion mendax Bengtson n. sp. Figs 10 and 11.\n- Holotype. Swedish Museum of Natural History NRM X5644 (Fig 10A–10C).\n- Type stratum. Tirohan Dolomite, Jankikund section, Chitrakoot, India. 25°09′32″N, 080°52′52″E.\n- Etymology. Latin mendax, “deceptive,” for its enigmatic nature.\n- Diagnosis. As for the genus.\nGenus Ramathallus Sallstedt n. gen.\n- Type and only species. Ramathallus lobatus Sallstedt n. sp.\n- Etymology. From Rama and Latin thallus, “branch.” The name is masculine in gender.\n- Diagnosis. Lobate thallus with globular and finger-like branches diverging from a central area. Pseudoparenchymatous tissue often forming “cell fountains.” Cell sizes variable from about 5 to 15 μm. Apparent tetraspores occur in globular bodies. Noncellular matrix up to 40 μm thick covers the thallus. No distinct cortex, but distal layer of cells in a branch are sometimes larger than those of the adjacent pseudoparenchymatous tissue.\nRamathallus lobatus Sallstedt, n. sp. Figs 12–19.\n- Holotype. Swedish Museum of Natural History NRM X5638, large specimen in Fig 13.\n- Type stratum. Tirohan Dolomite, Jankikund section, Chitrakoot, India. 25°09′46″N, 080°52′06″E.\n- Etymology. Latin lobatus, “lobate.”\n- Diagnosis. As for the genus.\nMaterials and methods\nThe studied material derives from field work at Jankikund in November 2006 and January 2011 and was augmented by microfossils kindly supplied by R. Azmi. To isolate phosphatized fossils from the carbonate rocks, samples were dissolved in 10% buffered acetic acid, and the residues were manually picked for microfossils. SEM/ESEM was carried out on a Hitachi S4300 Field Emission scanning electron microscope, a Philips XL 30 ESEM-FEG, and a Quanta ESEM-FEG 650 field emission microscope. Synchrotron-radiation X-ray tomographic microscopy (SRXTM) was done at the X02DA TOMCAT beamline at the Swiss Light Source, Paul Scherrer Institut, Villigen, Switzerland. Visualization was done using Avizo 9.1.1 (FEI Company). All specimens are in the collections of the Swedish Museum of Natural History. Each figured specimen has a unique museum number, stated in the respective figure caption in the article. Tomographic data are deposited in the Dryad Digital Repository: http://dx.doi.org/10.5061/dryad.gh221 .\nThe electronic version of this article in Portable Document Format (PDF) in a work with an ISSN or ISBN will represent a published work according to the International Code of Nomenclature for algae, fungi, and plants, and hence, the new names contained in the electronic publication of a PLOS article are effectively published under that Code from the electronic edition alone, so there is no longer any need to provide printed copies. The online version of this work is archived and available from the following digital repositories: PubMed Central, LOCKSS, and DiVA (www.diva-portal.org/).\nWe thank Rafat Azmi, Christina Franzén-Bengtson, Anindya Sarkar, Melinda Bera, Arpita Samanta, Arvind Singh, and Partha Chakraborty for guidance and assistance with fieldwork. Marco Stampanoni and Federica Marone gave expertise and help at the TOMCAT synchrotron beamline.\n- 1. Butterfield NJ. Animals and the invention of the Phanerozoic Earth system. Trends in Ecology and Evolution. 2011;26(2):81–7. pmid:21190752\n- 2. James TY, Kauff F, Schoch CL, Matheny PB, Hofstetter V, Cox CJ, et al. Reconstructing the early evolution of Fungi using a six-gene phylogeny. Nature. 2006;443(7113):818–22. pmid:17051209\n- 3. Lücking R, Huhndorf S, Pfister DH, Plata ER, Lumbsch HT. Fungi evolved right on track. Mycologia. 2009;101(6):810–22. pmid:19927746\n- 4. Taylor TN, Krings M, Taylor EL. Fossil Fungi. Amsterdam: Elsevier; 2015.\n- 5. Xiao S. Written in stone: the fossil record of early eukaryotes. In: Trueba G, Montúfar C, editors. Evolution from the Galapagos, Social and Ecological Interactions in the Galapagos Islands 2. New York: Springer; 2013. p. 107–24.\n- 6. Eme L, Sharpe SC, Brown MW, Roger AJ. On the age of eukaryotes: evaluating evidence from fossils and molecular clocks. Cold Spring Harbor Perspectives in Biology. 2014;6:a016139:14 pp.\n- 7. Knoll AH. Paleobiological perspectives on early eukaryotic evolution. Cold Spring Harbor Perspectives in Biology. 2014;6:a016121:14 pp.\n- 8. Cohen PA, Macdonald FA. The Proterozoic record of eukaryotes. Paleobiology. 2015;41(4):610–32.\n- 9. Butterfield NJ. Early evolution of the Eukaryota. Palaeontology. 2015;58(1):5–17.\n- 10. Cavalier-Smith T. Predation and eukaryote cell origins: A coevolutionary perspective. The International Journal of Biochemistry & Cell Biology. 2009;41:307–22.\n- 11. Hedges SB, Blair JE, Venturi M, Shoe JL. A molecular timescale of eukaryote evolution and the rise of complex multicellular life. BMC Evol Biol. 2004;4(2):1–9.\n- 12. Yoon HS, Hackett JD, Ciniglia C, Pinto G, Bhattacharya D. A molecular timeline for the origin of photosynthetic eukaryotes. Mol Biol Evol. 2004;21(5):809–18. pmid:14963099\n- 13. Douzery EJP, Snell EA, Bapteste E, Delsuc F, Philippe H. The timing of eukaryotic evolution: Does a relaxed molecular clock reconcile proteins and fossils? Proc Natl Acad Sci U S A. 2004;101(43):15386–91. pmid:15494441\n- 14. Bhattacharya D, Yoon HS, Hedges SB, Hackett JD. Eukaryotes (Eukaryota). In: Hedges SB, Kumar S, editors. The Timetree of Life. Oxford: Oxford UP; 2009. p. 116–20.\n- 15. Chernikova D, Motamedi S, Csürös M, Koonin EV, Rogozin IB. A late origin of the extant eukaryotic diversity: divergence time estimates using rare genomic changes. Biology Direct. 2011;6(26):18 pp.\n- 16. Sharpe SC, Eme L, Brown MW, Roger AJ. Timing the origins of multicellular eukaryotes through phylogenomics and relaxed molecular clock analyses. In: Ruiz-Trillo I, Nedelcu AM, editors. Evolutionary Transitions to Multicellular Life. Advances in Marine Genomics. Dordrecht: Springer; 2015. p. 3–29.\n- 17. Parfrey LW, Lahr DJG, Knoll AH, Katz LA. Estimating the timing of early eukaryotic diversification with multigene molecular clocks. Proc Natl Acad Sci USA. 2011;108(33):13624–9. pmid:21810989\n- 18. Keeling PJ, Gertraud Burger G, Durnford DG, Lang BF, Lee RW, Pearlman RE, et al. The tree of eukaryotes. Trends in Ecology and Evolution. 2005;20(12):670–6. pmid:16701456\n- 19. Sanderson MJ. Phylogenetic signal in the eukaryotic tree of life. Science. 2008;321:121–3. pmid:18599787\n- 20. Baldauf SL. An overview of the phylogeny and diversity of eukaryotes. Journal of Systematics and Evolution. 2008;46(3):263–73.\n- 21. Gribaldo S, Poole AM, Daubin V, Forterre P, Brochier-Armanet C. The origin of eukaryotes and their relationship with the Archaea: are we at a phylogenomic impasse? Nature Reviews Microbiology. 2010;8(10):743–52. pmid:20844558\n- 22. Rochette NC, Brochier-Armanet C, Gouy M. Phylogenomic test of the hypotheses for the evolutionary origin of eukaryotes. Mol Biol Evol. 2014;31(4):832–45. pmid:24398320\n- 23. Cavalier-Smith T, Chao EE, Snell EA, Berney C, Fiore-Donno AM, Lewis R. Multigene eukaryote phylogeny reveals the likely protozoan ancestors of opisthokonts (animals, fungi, choanozoans) and Amoebozoa. Mol Phylogen Evol. 2014;81:71–85.\n- 24. Borrel G, Adam PS, Gribaldo S. Methanogenesis and the Wood-Ljungdahl pathway: an ancient, versatile, and fragile association. Genome Biology and Evolution. 2016;8(6):1706–11. pmid:27189979\n- 25. Budd GE, Jensen S. A critical reappraisal of the fossil record of the bilaterian phyla. Biological Reviews. 2000;75:253–95. pmid:10881389\n- 26. Lester L, Meade A, Pagel M. The slow road to the eukaryotic genome. Bioessays. 2006;28(1):57–64. pmid:16369937\n- 27. Graham LE, Cook ME, Wilcox LW, Graham J, Taylor W, Wellman CH, et al. Resistance of filamentous chlorophycean, ulvophycean, and xanthophycean algae to acetolysis: testing Proterozoic and Paleozoic microfossil attributions. Int J Plant Sci. 2013;174(6):947–57.\n- 28. Agić H, Moczydłowska M, Yin L-M. Affinity, life cycle, and intracellular complexity of organic-walled microfossils from the Mesoproterozoic of Shanxi, China. J Paleontol. 2015;89(1):28–50.\n- 29. Samuelsson J, Butterfield NJ. Neoproterozoic fossils from the Franklin Mountains, northwestern Canada; stratigraphic and palaeobiological implications. Precambrian Res. 2001;107(3–4):235–51.\n- 30. Walter MR, Oehler JH, Oehler DZ. Megascopic algae 1300 million years old from the Belt Supergroup, Montana: A reinterpretation of Walcott's Helminthoidichnites. J Paleontol. 1976;50(5):872–81.\n- 31. Han T-M, Runnegar B. Megascopic eukaryotic algae from the 2.1 billion-year-old Negaunee Iron-Formation, Michigan. Science. 1992;257:232–5. pmid:1631544\n- 32. Fedonkin M. The origin of the Metazoa in the light of the Proterozoic fossil record. Paleontol Res. 2003;7(1):9–41.\n- 33. Porter SM. The fossil record of early eukaryotic diversification. In: Lipps JH, Waggoner BM, editors. Neoproterozoic–Cambrian Biological Revolutions. The Paleontological Society Papers 10: The Paleontological Society; 2004. p. 35–50.\n- 34. Xiao S, Muscente AD, Chen L, Zhou C, Schiffbauer JD, Wood AD, et al. The Weng’an biota and the Ediacaran radiation of multicellular eukaryotes. National Science Review. 2014;1(4):498–520.\n- 35. Cavalier-Smith T. Cell evolution and Earth history: stasis and revolution. Philosophical Transactions of the Royal Society of London B Biological Sciences. 2006;361(1470):969–1006. pmid:16754610\n- 36. Sharma M, Shukla Y. Taxonomy and affinity of Early Mesoproterozoic megascopic helically coiled and related fossils from the Rohtas Formation, the Vindhyan Supergroup, India. Precambrian Res. 2009;173(1–4):105–22.\n- 37. Yan Y-z, Liu Z-l. Tuanshanzian macroscopic algae of 1700 Ma B.P. from Changcheng System of Jixian, China. Acta Palaeontol Sin. 1997;36(1):18–41.\n- 38. Peng Y, Bao H, Yuan X. New morphological observations for Paleoproterozoic acritarchs from the Chuanlinggou Formation, North China. Precambrian Res. 2009;168:223–32.\n- 39. Moczydłowska M, Landing E, Zang W, Palacios T. Proterozoic phytoplankton and timing of chlorophyte algae origins. Palaeontology. 2011;online.\n- 40. Singh VK, Sharma M. Morphologically complex organic-walled microfossils (OWM) from the late Palaeoproterozoic- early Mesoproterozoic Chitrakut Formation, Vindhyan Supergroup, central India and their implications on the antiquity of eukaryotes. J Palaeontol Soc India. 2014;59(1):89–102.\n- 41. Brocks JJ, Logan GA, Buick R, Summons RE. Archean molecular fossils and the early rise of eukaryotes. Science. 1999;285:1033–6. pmid:10446042\n- 42. Brocks JJ, Buick R, Logan GA, Summons RE. Composition and syngeneity of molecular fossils from the 2.78 to 2.45 billion-year-old Mount Bruce Supergroup, Pilbara Craton, Western Australia. Geochim Cosmochim Acta. 2003;67(22):4289–319.\n- 43. Rasmussen B, Fletcher IR, Brocks JJ, Kilburn MR. Reassessing the first appearance of eukaryotes and cyanobacteria. Nature. 2008;455:1101–4. pmid:18948954\n- 44. French KL, Hallmann C, Hope JM, Schoon PL, Zumberge JA, Hoshino Y, et al. Reappraisal of hydrocarbon biomarkers in Archean rocks. Proc Natl Acad Sci USA. 2015;112(19):5915–20. pmid:25918387\n- 45. Kirschvink JL, Kopp RE. Palaeoproterozoic ice houses and the evolution of oxygen-mediating enzymes: the case for a late origin of photosystem II. Philosophical Transactions of the Royal Society B Biological Sciences. 2008;208:2755–65.\n- 46. Butterfield NJ. Bangiomorpha pubescens n.gen., n.sp.: implications for the evolution of sex, multicellularity, and the Mesoproterozoic/Neoproterozoic radiation of eukaryotes. Paleobiology. 2000;26(3):386–404.\n- 47. Yang EC, Boo SM, Bhattacharya D, Saunders GW, Knoll AH, Fredericq S, et al. Divergence time estimates and the evolution of major lineages in the florideophyte red algae. Scientific Reports. 2016;6(21361):11 pp.\n- 48. Berney C, Pawlowski J. A molecular time-scale for eukaryote evolution recalibrated with the continuous microfossil record. Proc R Soc Biol Sci Ser B. 2006;273:1867–72.\n- 49. Tappan H. Possible eucaryotic algae (Bangiophycidae) among early Proterozoic microfossils. Geol Soc Am Bull. 1976;87(4):673–9.\n- 50. Awramik SM, Barghoorn ES. The Gunflint microbiota. Precambrian Res. 1977;5:121–42.\n- 51. Lamb DM, Awramik SM, Chapman DJ, Zhu S. Evidence for eukaryotic diversification in the ~1800 million-year-old Changzhougou Formation, North China. Precambrian Res. 2009;173(1–4):93–104.\n- 52. Bengtson S, Belivanova V, Rasmussen B, Whitehouse M. The controversial ‘Cambrian’ fossils of the Vindhyan are real but more than a billion years older. Proc Natl Acad Sci USA. 2009;106:7729–34. pmid:19416859\n- 53. Singh IB, Kumar S. On the stratigraphy and sedimentation of the Vindhyan sediments in the Chitrakut area, Banda district (U.P.)–Satna district, (M.P.). J Geol Soc India. 1978;19:359–67.\n- 54. Anbarasu K. Acritarchs from Mesoproterozoic Chitrakoot Formation, Semri Group, Chitrakoot area, Central India. J Geol Soc India. 2001;57:179–83.\n- 55. Azmi RJ, Joshi D, Tiwari BN, Joshi MN, Mohan K, Srivastava SS. Age of the Vindhyan Supergroup of Central India: An exposition of biochronology vs radiochronology. In: Sinha D, editor. Micropaleontology: Application in Stratigraphy and Paleoceanography. New Delhi: Narosa Publishing House; 2006. p. 29–62.\n- 56. Joshi D, Azmi RJ, Srivastava SS. Earliest Cambrian calcareous skeletal algae from Tirohan Dolomite, Chitrakoot, Central India: a new age constraint for the Lower Vindhyan. Gondwana Geol Mag. 2006;21(2):73–82.\n- 57. Kumar S. Mineralogy, geochemistry and genesis of middle Riphean phosphatic carbonates, Tirohan Limestone (Lower Vindhyan Supergroup), Chitrakut area, central India. J Geol Soc India. 1993;41(2):133–43.\n- 58. Bengtson S, Budd G. Comment on “Small bilaterian fossils from 40 to 55 million years before the Cambrian”. Science. 2004;306:1291a.\n- 59. Xiao S, Schiffbauer JD. Microfossil phosphatization and its astrobiological implications. In: Seckbach J, Walsh M, editors. From Fossils to Astrobiology: Springer; 2008. p. 89–117.\n- 60. Cunningham JA, Thomas C-W, Bengtson S, Kearns SL, Xiao S, Marone F, et al. Distinguishing geology from biology in the Ediacaran Doushantuo biota relaxes constraints on the timing of the origin of bilaterians. Proc R Soc Biol Sci Ser B. 2012;279(1737):2369–76.\n- 61. Cunningham JA, Donoghue PCJ, Bengtson S. Distinguishing biology from geology in soft-tissue preservation. In: Laflamme M, Schiffbauer JD, Darroch SAF, editors. Reading and Writing of the Fossil Record: Preservational Pathways to Exceptional Fossilization The Paleontological Society Papers 202014. p. 275–87.\n- 62. Graham LE, Graham JM, Wilcox LW. Algae. San Francisco: Benjamin Cummings; 2009. 720 pp.\n- 63. Schulz HN, Jørgensen BB. Big bacteria. Annu Rev Microbiol. 2001;55(1):105–37.\n- 64. Demoulin V, Janssen MP. Relationship between diameter of the filament and cell shape in blue-green algae. Br Phycol J. 1981;16(1):55–8.\n- 65. Larkin JM, Henk MC. Filamentous sulfide-oxidizing bacteria at hydrocarbon seeps of the Gulf of Mexico. Microsc Res Tech. 1996;33(1):23–31. pmid:8820662\n- 66. Strohl WR, Larkin JM. Cell division and trichome breakage in Beggiatoa. Curr Microbiol. 1978;1(3):151–5. pmid:23338140\n- 67. Larkin J, Aharon P, Henk MC. Beggiatoa in microbial mals at hydrocarbon vents in the Gulf of Mexico and Warm Mineral Springs, Florida. Geo-Mar Lett. 1994;14(2–3):97–103.\n- 68. Nelson DC, Wirsen CO, Jannasch HW. Characterization of large, autotrophic Beggiatoa spp. abundant at hydrothermal vents of the Guaymas Basin. Appl Environ Microbiol. 1989;55(11):2909–17. pmid:16348053\n- 69. Jean MRN, Gonzalez-Rizzo S, Gauffre-Autelin P, Lengger SK, Schouten S, Gros O. Two new Beggiatoa species inhabiting marine mangrove sediments in the Caribbean. PLoS ONE. 2015;10(2):e0117832. pmid:25689402\n- 70. Mußmann M, Schulz HN, Strotmann B, Kjær T, Nielsen LP, Rosselló-Mora RA, et al. Phylogeny and distribution of nitrate-storing Beggiatoa spp. in coastal marine sediments. Environ Microbiol. 2003;5(6):523–33. pmid:12755720\n- 71. Schopf JW, Oehler DZ. How old are the eukaryotes? Science. 1976;193:47–9. pmid:17794005\n- 72. Schulz HN, Brinkhoff T, Ferdelman TG, Hernández Mariné M, Teske A, Jørgensen BB. Dense populations of a giant sulfur bacterium in Namibian shelf sediments. Science. 1999;284:493–5. pmid:10205058\n- 73. Cunningham JA, Thomas C-W, Bengtson S, Marone F, Stampanoni M, Turner FR, et al. Experimental taphonomy of giant sulphur bacteria: implications for the interpretation of the embryo-like Ediacaran Doushantuo fossils. Proc R Soc Biol Sci Ser B. 2012;279(1734):1857–64.\n- 74. Schopf JW. Microflora of the Bitter Springs Formation, Late Precambrian, Central Australia. J Paleontol. 1968;42:651–88.\n- 75. Schopf JW, Blacic JM. New microorganisms from the Bitter Springs Formation (Late Precambrian) of the north-central Amadeus Basin, Australia. J Paleontol. 1971;45:925–59.\n- 76. Knoll AH, Barghoorn ES. Precambrian eukaryotic organisms: A reassessment of the evidence. Science. 1975;190(4209):52–4.\n- 77. Oehler DZ. Pyrenoid-like structures in Late Precambrian algae from the Bitter Springs Formation of Australia. J Paleontol. 1977;51:885–901.\n- 78. Huldtgren T, Cunningham J, Yin C, Stampanoni M, Marone F, Donoghue PCJ, et al. Fossilized nuclei and germination structures identify Ediacaran ‘animal embryos’ as encysting protists. Science. 2011;334(6063):1696–9. pmid:22194575\n- 79. Huldtgren T, Cunningham J, Yin C, Stampanoni M, Marone F, Donoghue PCJ, et al. Response to comment on “Fossilized nuclei and germination structures identify Ediacaran ‘animal embryos’ as encysting protists”. Science. 2012;335(6073):1169-d (2 pp.).\n- 80. Schiffbauer JD, Xiao S, Sharma KS, Wang G. The origin of intracellular structures in Ediacaran metazoan embryos. Geology. 2012;40(3):223–6.\n- 81. Xiao S, Knoll AH, Schiffbauer JD, Zhou C, Yuan X. Comment on “Fossilized nuclei and germination structures identify Ediacaran ‘animal embryos’ as encysting protists”. Science. 2012;335:1169-c (3 pp.).\n- 82. Pang K, Tang Q, Schiffbauer JD, Yao J, Yuan X, Wan B, et al. The nature and origin of nucleus-like intracellular inclusions in Paleoproterozoic eukaryote microfossils. Geobiology. 2013;11:499–510. pmid:24033870\n- 83. Bomfleur B, McLoughlin S, Vajda V. Fossilized nuclei and chromosomes reveal 180 million years of genomic stasis in royal ferns. Science. 2014;343:1376–7. pmid:24653037\n- 84. Yeates TO, Kerfeld CA, Heinhorst S, Cannon GC, Shively JM. Protein-based organelles in bacteria: carboxysomes and related microcompartments. Nature Reviews Microbiology. 2008;6(9):681–91. pmid:18679172\n- 85. Griffiths DJ. The pyrenoid. The Botanical Review. 1970;36(1):29–58.\n- 86. Badger MR, Andrews TJ, Whitney SM, Ludwig M, Yellowlees DC, Leggat W, et al. The diversity and coevolution of Rubisco, plastids, pyrenoids, and chloroplast-based CO2-concentrating mechanisms in algae. Can J Bot. 1998;76(6):1052–71.\n- 87. Timberlake HG. Starch-formation in Hydrodictyon utriculatum. Ann Bot. 1901;15(60):619–35.\n- 88. Graham LE, Graham JM, Wilcox LW, Cook ME. Algae. 3rd Ed. ed. Madison WI: LJLM Press; 2016. 595 pp.\n- 89. Yang EC, Scott J, West JA, Yoon HS, Yokoyama A, Karsten U, et al. Erythrolobus australicus sp. nov. (Porphyridiophyceae, Rhodophyta): a description based on several approaches. Algae. 2011;26(2):167–80.\n- 90. Freshwater DW, Fredericq S, Butler BS, Hommersand MH, Chase MW. A gene phylogeny of the red algae (Rhodophyta) based on plastid rbcL. Proc Natl Acad Sci USA. 1994;91:7281–5. pmid:8041781\n- 91. Chapman RL, Bailey JC, Waters DA. Macroalgal phylogeny. In: Cooksey KE, editor. Molecular Approaches to the Study of the Ocean. Dordrecht: Springer; 1998. p. 389–407.\n- 92. Saunders GW, Hommersand MH. Assessing red algal supraordinal diversity and taxonomy in the context of contemporary systematic data. Am J Bot. 2004;91(10):1494–507. pmid:21652305\n- 93. Müller KM, Lynch MDJ, Sheath RG. Bangiophytes: from one class to six; where do we go from here? Moving the bangiophytes into the genomic age. In: Seckbach J, Chapman DJ, editors. Red Algae in the Genomic Age. Dordrecht: Springer; 2010. p. 243–59.\n- 94. Schornstein KL, Scott J. Ultrastructure of cell division in the unicellular red alga Porphyridium purpureum. Can J Bot. 1982;60(1):85–97.\n- 95. Vis ML, Sheath RG. Distribution and systematics of Chroodactylon and Kyliniella (Porphyridiales, Rhodophyta) from North American streams. Japanese Journal of Phycology. 1993;41:237–41.\n- 96. Wolowski K, Kowalska J, Hindák F. Chroodactylon ornatum (Rhodophyta, Porphyridiales) occurring in Poland and Slovakia. Biologia, Bratislava. 2007;62(6):646–9.\n- 97. Sommerfeld MR, Nichols HW. Developmental and cytological studies of Bangia fuscopurpurea in culture. Am J Bot. 1970;57(6):640–8.\n- 98. Lee RE. Chloroplast structure and starch grain production as phylogenetic indicators in the lower Rhodophyceae. Br Phycol J. 1974;9(3):291–5.\n- 99. Smith GM. Cytological studies in the Protococcales. II. Cell structure and zoospore formation in Pediastrum Boryanum (Turp.), Menegh. Ann Bot. 1916;30(3):467–79.\n- 100. Pueschel CM, Cole KM. Rhodophycean pit plugs: an ultrastructural survey with taxonomic implications. Am J Bot. 1982;69(5):703–20.\n- 101. Komárek J. Coccoid and colonial cyanobacteria. In: Wehr JD, Sheath RG, editors. Freshwater Algae of North America. New York: Elsevier; 2002. p. 59–116.\n- 102. Zhang Y. Multicellular thallophytes with differentiated tissues from Late Proterozoic phosphate rocks of South China. Lethaia. 1989;22(2):113–32.\n- 103. Zhang Y, Yuan X. New data on multicellular thallophytes and fragments of cellular tissues from Late Proterozoic phosphate rocks, South China. Lethaia. 1992;25(1):1–18.\n- 104. Zhang Y, Yin L, Xiao S, Knoll AH. Permineralized fossils from the terminal Proterozoic Doushantuo Formation, south China. J Paleontol. 1998;72(4, Suppl.):1–52.\n- 105. Xiao S, Knoll AH, Yuan X, Pueschel CM. Phosphatized multicellular algae in the Neoproterozoic Doushantuo Formation, China, and the early evolution of florideophyte red algae. Am J Bot. 2004;91(2):214–27. pmid:21653378\n- 106. Ray JS. Age of the Vindhyan Supergroup: A review of recent findings. Journal of Earth System Science. 2006;115(1):149–60.\n- 107. Basu A, Bickford ME. Contributions of zircon U–Pb geochronology to understanding the volcanic and sedimentary history of some Purana basins, India. J Asian Earth Sci. 2014;91:252–62.\n- 108. Azmi RJ, Joshi D, Tiwari BN, Joshi MN, Srivastava SS. A synoptic view on the current discordant geo- and biochronological ages of the Vindhyan Supergroup, central India. Himal Geol. 2008;29(2):177–91.\n- 109. Prasad B, Asher R. Record of Ediacaran complex acanthomorphic acritarchs from the Lower Vindhyan succession of the Chambal Valley (east Rajasthan), India and their biostratigraphic significance. J Palaeontol Soc India. 2016;61(1):29–62.\n- 110. Ray JS, Veizer J, Davis WJ. C, O, Sr and Pb isotope systematics of carbonate sequences of the Vindhyan Supergroup, India: age, diagenesis, correlations and implications for global events. Precambrian Res. 2003;121(1–2):103–40.\n- 111. Gupta S, Jain KC, Srivastava VC, Mehrotra RD. Depositional environment and tectonism during the sedimentation of the Semri and Kaimur Groups of rocks, Vindhyan Basin. J Palaeontol Soc India. 2003;48:181–90.\n- 112. Sarangi S, Gopalan K, Kumar S. Pb–Pb age of earliest megascopic, eukaryotic alga bearing Rohtas Formation, Vindhyan Supergroup, India: implications for Precambrian atmospheric oxygen evolution. Precambrian Res. 2004;132(1–2):107–21.\n- 113. Chakrabarti R, Basu AR, Chakrabarti A. Trace element and Nd-isotopic evidence for sediment sources in the mid-Proterozoic Vindhyan Basin, central India. Precambrian Res. 2007;159(3–4):260–74.\n- 114. Rasmussen B, Bose PK, Sarkar S, Banerjee S, Fletcher IR, McNaughton NJ. 1.6 Ga U-Pb zircon age for the Chorhat Sandstone, lower Vindhyan, India: Possible implications for early evolution of animals. Geology. 2002;30(2):103–6.\n- 115. Ray JS, Martin MW, Veizer J, Bowring SA. U-Pb zircon dating and Sr isotope systematics of the Vindhyan Supergroup, India. Geology. 2002;30(2):131–4.\n- 116. Bansal M, Vijan AR, Mahar YS, Ghosh N, Krishna PS, Prabhy BN. Rb–Sr dating of Lower Vindhyan sediments from Son Valley, M. P., India. Indian Mineralogist. 1999;33:1–9.\n- 117. Gregory LC, Meert JG, Pradhan V, Pandit MK, Tamrat E, Malone SJ. A paleomagnetic and geochronologic study of the Majhgawan kimberlite, India: Implications for the age of the Upper Vindhyan Supergroup. Precambrian Res. 2006;149(1–2):65–75.\n- 118. Kumar A, Gopalan K, Rajagopalan G. Age of the Lower Vindhyan sediments, Central India. Curr Sci. 2001;81(7):806–9.\n- 119. Hurley PM, Cormier RF, Hower J, Fairbairn HW, Pinson WH Jr. Reliability of glauconite for age measurement by K–Ar and Rb–Sr methods. American Association of Petroleum Geologists Bulletin. 1960;44:1793–808.\n- 120. Morton JP, Long LE. Rb–Sr dating of Paleozoic glauconite from the Llano region, central Texas. Geochim Cosmochim Acta. 1980;44:663–72.\n- 121. Banerjee DM, Frank W. Preliminary 40Ar/39Ar dates of porcellanite and detrital mica from the Vindhyan of central India. Workshop on Vindhyan Stratigraphy and Palaeobiology—Volume of Abstracts. Lucknow: University of Lucknow; 1999. p. 5.\n- 122. Kumar S. Stratigraphy and correlation of the Neoproterozoic deposits of central and western India: an overview. Geological Society, London, Special Publications. 2012;366:75–90.\n- 123. Javaux EJ, Knoll AH, Walter MR. Morphological and ecological complexity in early eukaryotic ecosystems. Nature. 2001;412:66–9. pmid:11452306\n- 124. Adl SM, others. The new higher level classification of eukaryotes with emphasis on the taxonomy of protists. J Eukaryot Microbiol. 2005;52(5):399–451. pmid:16248873\n- 125. Rodríguez-Ezpeleta N, Brinkmann H, Roure SC, Roure B, Burger G, Löffelhardt W, et al. Monophyly of primary photosynthetic eukaryotes: Green plants, red algae, and glaucophytes. Curr Biol. 2005;15(14):1325–30. pmid:16051178\n- 126. Yoon HS, Hackett JD, Bhattacharya D. A genomic and phylogenetic perspective on endosymbiosis and algal origin. J Appl Phycol. 2006;18(3–5):475–81.\n- 127. Yoon HS, Müller KM, Sheath RG, Ott FD, Bhattacharya D. Defining the major lineages of red algae (Rhodophyta). J Phycol. 2006;42(2):482–92.\n- 128. Inoue J, Donoghue PCJ, Yang Z. The impact of the representation of fossil calibrations on Bayesian estimation of species divergence times. Syst Biol. 2010;59(1):74–89. pmid:20525621\n- 129. dos Reis M, Donoghue PCJ, Yang Z. Bayesian molecular clock dating of species divergences in the genomics era. Nat Rev Genet. 2016;17(2):71–80. pmid:26688196\n- 130. Benton MJ, Donoghue PCJ, Asher RJ, Friedman M, Near TJ, Vinther J. Constraints on the timescale of animal evolutionary history. Palaeontol Electron. 2015;18(1):107 pp.\n- 131. Levinton J, Dubb L, Wray GA. Simulations of evolutionary radiations and their application to understanding the probability of a Cambrian explosion. J Paleontol. 2004;78(1):31–8.\n- 132. Lee MSY, Soubrier J, Edgecombe GD. Rates of phenotypic and genomic evolution during the Cambrian explosion. Curr Biol. 2013;23:1889–95. pmid:24035543\n- 133. Rasmussen B, Bengtson S, Fletcher IR, McNaughton N. Discoidal impressions and trace-like fossils more than 1200 million years old. Science. 2002;296:1112–5. pmid:12004128\n- 134. Bengtson S, Rasmussen B, Krapež B. The Paleoproterozoic megascopic Stirling Biota. Paleobiology. 2007;33(3):351–81.\n- 135. El Albani A, Bengtson S, Canfield DE, Bekker A, Macchiarelli R, Mazurier A, et al. Large colonial organisms with coordinated growth behaviour in oxygenated environments 2.1 billion years ago. Nature. 2010;466:100–4. pmid:20596019\n- 136. El Albani A, Bengtson S, Canfield DE, Riboulleau A, Rollion Bard C, Macchiarelli R, et al. The 2.1 Ga old Francevillian biota: biogenicity, taphonomy and biodiversity. PLoS ONE. 2014;9(6):e99438. pmid:24963687\n- 137. Javaux EJ, Marshall CP, Bekker A. Organic-walled microfossils in 3.2-billion-year-old shallow-marine siliciclastic deposits. Nature. 2010;463:934–8. pmid:20139963\n- 138. Bengtson S (2017) Data from: Three-dimensional preservation of cellular and subcellular structures suggests 1.6 billion-year-old crown-group red algae. Dryad Digital Repository. Openly available via http://dx.doi.org/10.5061/dryad.gh221.", "label": "No"}
+{"text": "Three spacecraft built in Europe and Japan have completed their final joint tests to ensure they are ready for departure to Mercury on an Ariane 5 rocket late next year on the nearly $1.9 billion BepiColombo mission to survey the solar system’s innermost planet.\nOfficials displayed the BepiColombo spacecraft to the media last week in the Netherlands, where engineers are putting the probe to the test in the extreme thermal, acoustic and vibration environments it will encounter in flight.\nReadying the mission to survive the searing temperatures at Mercury proved to be one of the biggest challenges in BepiColombo’s two-decade development.\n“We have to survive 10 times the solar radiation we are experiencing at Earth, plus surface temperatures of up to 450 degrees Celsius (842 degrees Fahrenheit),” said Ulrich Reininghaus, ESA’s BepiColombo project manager, in a press briefing last week.\nThe European Space Agency-led project will dispatch two scientific orbiters to Mercury with instruments to map the planet’s landscapes and topography, peer into darkened craters that may contain water ice and a mysterious frozen organic sludge, and probe the scorched world’s interior structure by measuring its magnetic field.\n“I think our two spacecraft we send to Mercury will, first of all, do a very comprehensive and thorough investigation of the planet and its environment,” said Johannes Benkhoff, BepiColombo project scientist at ESA. “It will help to unveil the mysteries of Mercury and hopefully provide clues to better understand the formation history of the planet and of our solar system.”\nA propulsion module will go along on the 7.2-year trip to Mercury to steer the robotic science probes through the solar system with the aid of four ion engines.\nScheduled for launch in October 2018, the tandem mission developed by ESA and the Japan Aerospace Exploration Agency is the most ambitious expedition to Mercury yet mounted, and the first time the blazing hot planet will be visited by a spacecraft not owned by NASA.\nTwo previous NASA missions — Mariner 10 and MESSENGER — previously explored Mercury. Mariner 10 zipped by Mercury three times in the 1974 and 1975, photographing less than half of the planet before MESSENGER made its own flybys and eventually entered orbit in March 2011 for a four-year global science campaign.\n“BepiColombo will follow on MESSENGER’s results and get even more details (about Mercury),” Benkhoff said. “We will be able to answer many, many of the questions that were raised by the MESSENGER mission.”\nThose questions include the nature of water ice deposits hidden deep inside permanently-shadowed craters near Mercury’s poles, and the source of the planet’s unexpected magnetic field.\nBepiColombo’s European-built Mercury Planetary Orbiter carries 11 instruments, a suite comprising a high-resolution mapping camera, a laser altimeter, an accelerometer, and a set of spectrometers on a downward-facing science deck that will remain pointed toward the planet throughout each orbit.\nThe Japanese-made Mercury Magnetospheric Orbiter’s five science sensors will study the plasma environment around Mercury, attempt to image the planet’s sodium-rich tenuous atmosphere, and measure Mercury’s magnetic field.\nThe Mercury Transfer Module will shepherd the two science orbiters on the 5.5-billion-mile (8.9-billion-kilometer) voyage from Earth to Mercury. The engine section hosts no science instruments, but its two electricity-generating solar panels — each stretching nearly 40 feet (12 meters) long — will produce power for four rear-mounted xenon-fueled electric thrusters.\nThe ion engines, which can fire two at a time, will provide more than half the impulse BepiColombo needs for the one-way trip. The spacecraft will also use nine gravity boosts from flybys with Earth, Venus and Mercury to line up for orbital insertion at the innermost planet.\nNamed for Giuseppe ‘Bepi’ Colombo, the Italian mathematician and engineer who helped design Mariner 10’s Mercury flyby trajectory, the mission is due to arrive at its destination in December 2025.\nThe flight plan calls for the spacecraft to jettison the transfer module and fire rocket engines to slip into orbit around the planet. Japan’s magnetospheric orbiter, cocooned in a protective sunshield during the mission’s interplanetary transit, will be released in an egg-shaped elliptical orbit stretching up to 7,232 miles (11,640 kilometers) above Mercury.\nThen the sunshield will be ejected as the European orbiter spirals closer to Mercury, eventually ending up in a tighter orbit ranging between about 300 miles (480 kilometers) and 930 miles (1,500 kilometers) from the planet.\nThe dual spacecraft will spend at least a year observing Mercury.\nESA and JAXA officials said last week the mission is on track for liftoff at the opening of an eight-week launch window Oct. 5, 2018.\nBepiColombo’s launch window opens the same month the James Webb Space Telescope — a U.S.-European-Canadian observatory that will succeed Hubble — is set for blastoff on a different Ariane 5 rocket from Kourou, French Guiana.\nArianespace officials will meet with managers from both projects in September to determine which high-profile science mission will go first.\nEngineers last month simulated the vibration and noise BepiColombo will experience during its rocket ride from Earth, capping a series of tests on the combined spacecraft in its launch configuration, which towers around 20 feet (6 meters) tall.\nThe ground team will disassemble the spacecraft in the coming months, conduct additional electrical checks, then place BepiColombo’s transfer module in a space environment simulator modified to mimic the extreme temperatures at Mercury. The propulsion section’s thermal test follows up similar exposure verifications already completed on the European and Japanese orbiters.\nESA originally intended to launch the BepiColombo in 2009 when the mission was formally selected by the agency’s science committee in 2000.\nCrafting a spacecraft capable of withstanding the hot temperatures at Mercury turned out to be tough, officials said.\nEngineers had to design new solar cells, develop heat-resistant pointing mechanisms for BepiColombo’s antennas and solar panels, and install mirrors to reflect sunlight and infrared heat.\nMuch of the technology had to be invented just for BepiColombo.\n“The challenge was to develop a solar cell assembly that was capable of withstanding high temperatures and ultraviolet radiation at the same time,” said Markus Schelkle, BepiColombo program manager at Airbus Defense and Space in Germany, the mission’s prime contractor. “This was (something) we learned, and due to that, we had a really hard, long way to find a solution.”\nBepiColombo also carries ceramic thermal coatings and titanium parts covered in silver and gold to ensure its communications antenna can function in the furnace-like temperatures at Mercury.\n“We had several delays,” Reininghaus said. Work on the solar cells and high-temperature mechanisms “cost us much more time than we expected,” he said.\n“The database on materials we had, even for qualified products, was good up to 125 degrees Celsius (257 degrees Fahrenheit),” Reininghaus said.\nThat was not good enough for BepiColombo.\n“We’re flying into a pizza oven,” Reininghaus said. “This is why we had to test materials at very high temperature regimes, sometimes with very unwanted results.”\nEmail the author.\nFollow Stephen Clark on Twitter: @StephenClark1.", "label": "No"}
+{"text": "To build a relationship requires trust and this is much more intense for one in which the two sides most likely have and will never meet. Trust on the Internet is one of paramount importance, especially if that relationship is transactional; where money is involved. Even deeper than that is the fact that Data is the new gold, so almost everything we do on the net needs to be secure.\nTo build that relationship of trust is not easy, but there has been increasing pressure on website owners to create an environment that allows their users to feel secure. SSL certificates are one key means of doing this, since they assure users that the connection they have to that website is safe.\nFor the end user, all they need to verify this is a simple icon shown on their browser. For website owners, it’s a little more complicated, but doesn’t have to be.\nWhat is Secure Sockets Layer (SSL)\nWhy do we need a SSL certificate\nHow SSL works\nTypes of SSL certificates\nHow to choose a certificate authority (CA)\nList of reputable SSL providers\nFree SSL: Where to get them?\nHow to install a SSL certificate\nCommon SSL certificate errors and solutions\nWhat is Secure Sockets Layer (SSL)?\nSSL is a security protocol that assures users that the connection between their computer and the site they are visiting is secure. During a connection, lots of information passes between two computers, including what may be highly confidential data such as credit card numbers, user identification numbers or even passwords.\nUnder normal circumstances, this data is sent in plain text, which means that if the connection were to be intercepted by a third party, that data could be stolen. SSL prevents this by mandating an encryption algorithm to be used during the connection on both ends.\nThe padlock, or green padlock icon has become an assurance indicator to users that the website they are visiting takes their security seriously.\nIndication of SSL on different Internet browsers.\nWhy do we need a SSL Certificate?\nOriginally the common question to ask was “Do we need a SSL certificate”.\nAnd the typical answer would be ‘it depends’. After all, why would websites that did not need to handle sensitive financial-related data need to be so secure?\nUnfortunately, as mentioned earlier, the age of digital has meant that aside of immediate cash, hackers today have increasingly begun to go after personal information.\nThe Google Factor\nRecognizing this, beginning July 2018, Google will be labelling all standard HTTP pages as non-secure. This is important to recognize, because it means that sites recognized as being non-secure by Google might suffer a search ranking penalty. Websites thrive on traffic and if you’re not showing up on Google listings, then you won’t get much in terms of website traffic.\nIf there was a ranking improvement, it was negligible. Despite this, having SSL was still a smart move.\nIt’s a trust signal and it avoids the possibility of Chrome displaying ‘not secured’ on your site. And while the direct ranking benefits may be small at the moment, it’s possible that they may be more significant in the future.\nI’d initially held off switching to SSL. I’d heard a lot of horror stories of traffic nose diving and not recovering. Fortunately this wasn’t the case. Traffic dipped slightly for around a week, then came back.\n– Adam Connell, Blogging Wizard\nAccording to the Google Online Security Blog, as of the beginning of 2018, over 68% of Chrome traffic on both Android and Windows has been protected and 81 of the top 100 sites on the web are already using HTTPS by default.\nPercent of page loads over HTTPS in Chrome by platform. 64% of Chrome traffic on Android is now protected. Over 75% of Chrome traffic on both ChromeOS and Mac is now protected. All three figures show significant increment compare to a year ago.\nFor now, you might not need an SSL Certificate yet, but it might be wise to seriously consider implementing one. Although at this point Google is only issuing warnings and penalizing search rankings, given the state of cybersecurity today, it likely isn’t going to stop there.\nHow SSL Works\nSimplistically speaking, there are three main components in creating a connection;\nThe Client – This is the computer that is requesting for information.\nThe Server – The computer which holds the information being requested by the Client.\nThe Connection – The path along which data travels between the client and server.\nHTTP vs HTTPS connection (Source: Sucuri)\nTo establish a secure connection with SSL, there are a few more terms you need to be aware of.\nCertificate Signing Request (CSR) – This creates two keys on the server, one private and one public. The two keys work in tandem to help establish the secure connection.\nCertificate Authority (CA) – This is an issuer of SSL certificates. Sort of like a security company that holds a database of trusted websites.\nOnce a connection is requested, the server will create the CSR. This action then sends data which includes the public key to the CA. The CA then creates a data structure which matches the private key.\nThe most critical part of the SSL Certificate is that it is digitally signed by the CA. This is vital because browsers only trust SSL Certificates signed by a very specific list of CAs such as VeriSign or DigiCert. The list of CAs are stringently vetted and must comply with security and authentication standards set by the browsers.\nTypes of SSL Certificates\nBrowsers identify SSL Certificates (EV Certificate is shown in this image) and activate the browser interface security enhancements.\nAlthough all SSL certificates are designed for the same purpose, not all are equal. Think of it like buying a phone. All phones are basically designed to do the same thing, but there are different companies that manufacture them and produce many different models at varying price points.\nTo simplify the matters, we break down the SSL Certificate types by level of trust.\n1- Domain Validated (DV) Certificate\nAmong SSL Certificates, the Domain Validated Certificate is the most basic and simply assures users that the site is safe. There is not much detail except for that simple fact and many security organizations do not recommend using Domain Validated Certificates for websites that deal in commercial transactions. The Domain Validated Certificate is the budget smartphone of the SSL world.\n2- Organization Validated (OV) Certificate\nOrganizational Certificates holders are more stringently vetted are by CAs than Domain Validated Certificate holders. In fact, the owners of these certificates are authenticated by dedicated staff who validate them against government-run business registries. OV Certificates contain information about the business holding them and are often used on commercial websites and represent the midrange smartphones of the SSL world.\n3- Extended Validation (EV) Certificate\nRepresenting the highest level of trust in SSL rankings, EV Certificates are opted for by the best of the best and extremely stringently vetted. By opting to use EV Certificates, these websites are buying deeply into consumer trust. These are the iPhoneX of the SSL world.\nThe fact that SSL Certification has become so highly recommended today, many fraud websites have also taken to using SSL. After all, there is little difference to the websites, except for the green certification padlock. This is the key reason more reputable organizations are going for SSL Certification that are more highly vetted.\nSince any successful SSL connection causes the padlock icon to appear, users are not likely to be aware of whether the website owner has been validated or not. As a result, fraudsters (including phishing websites) have started to use SSL to add perceived credibility to their websites. – Wikipedia.\nHow to Choose the Right Certificate Authority\nCertificate Authorities are like private security companies. They are the ones who issue digital certificates that facilitate the SSL establishment process. They also belong to a limited list of businesses that meet detailed criteria to maintain their place on that list. CAs who maintain their place on that list can issue SSL Certificates – so the list is exclusive.\nThe process is not quite as simple as it sounds, since before a certificate can be issued, the CA must check the identity of the website applying for it. The level of detail in those checks depend on what type of SSL is being applied for.\nThe best CA is one who has been in the business for some time and follows best practices in business, not only for itself but also for any partners associated with the business. Ideally, they should also be able to demonstrate proven expertise in the field.\nLook for a CA that stays up to current standards, are actively involved in the security industry and has as many resources as possible that support their customers.\nA good CA would also;\nHave reasonably short validation times\nBe easily accessible to its customers\nHave great support\nList of Reputable SSL Providers to Consider\n* Note: Features are reflective of basic plans offered by the service providers. For detailed plans please visit the individual service providers.\nAlready providing SSL certificates to major organizations such as Cisco and HP, SSL.com has been in the business for close to 20 years now.\nThis strong history is backed by a warranty with each certificated issued, the amount of which depends on the certificate you purchase, ranging from $10,000 to $2 million.\n99% Browser Compatibility\nUnlimited Server Licenses\nUnlimited Reissuances and Key Pairs\nActivates SSL Secure Site Seal\n30 Day Unconditional Refund\n90-day Courtesy carryover coverage\nGo to SSL.com\nNameCheap offers the full gamut of SSL certificates so you’ll find something there no matter what your requirements or budget. Standard Domain Validation certificates start from $8.88 per year, but there are also premium certificates that go for up to $169 per year.\nGo to Name Cheap\n3. The SSL Store\nOne o the oldest SSL reseller in market, The SSL Store covers all levels of cyber security solutions for different users – from individuals to large scale enterprises. Some of the well-known SSL certificates you can buy at The SSL Store include Rapid SSL, Positive SSL, Thawte, Sectigo (Comodo), GeoTrust, and so on.\nPlatinum SSL resellers with world’s leading CA\nBest price guarantee – The SSL Store will match lowest price in market\nRisk free – 30 day money back guarantee\nCompare and shop for SSL/TLS at the same place\nValue added service – Get SSL installed at your website at $24.99\nGo to TheSSLStore\nA name that many website owners already know and trust, GoDaddy has complemented its services with SSL certificates that go for as low as $75.15. As it sells its web hosting packages, there are also opportunities for discounted initial purchases of SSL Certificates which cost more upon renewal. This makes GoDaddy a good one-stop service provider for website owners.\nSecures one website\nSHA2 & 2048-bit encryption\nAvailable in DV, OV and EV SSL Certificates\nEV SSL turns browser bar green\nMcAfee SECURE trustmark\nGo to GoDaddy\nOne of the oldest and strongest names in SSL, DigiCert is used by most of the top dogs on the Internet including Microsoft, Wikipedia and Amazon.com. They too offer up to 2048-bit encryption and clock in at $175 per annum at the lowest end.\nTrusted by over 99.9% of browsers\nHighest-rated CA for customer service worldwide\nFree reissues and replacements for the lifetime of the certificate\nGeoTrust is also an industry stalwart and a good option for those who might balk at DigiCert prices. Basic protection starts from $149, with a $500,000 warranty even with the most basic option. More than 100,000 customers in over 150 countries have committed themselves to GeoTrust protection.\nUp to 256-bit Encryption\nAlternative Name (SAN) multi-domain support\nFast Domain Validation\n99+% browser compatibility\n7. Network Solutions\nWith SSL certificates starting from $59.99 per annum, Network Solutions is impressive because it comes with a warranty of $10,000 even at that price. However, they do enforce a 2-year lock in period, but that shouldn’t be a major problem. The company operates under the web.com group.\nFast certificate validation\nWho to buy from?\nThere are SSL Certificate issues and then there are SSL Certificate experts. Choosing the lowest bidder might be slightly easier on your wallet, but like I’ve mentioned many times over in this article, it’s a matter of trust.\nThink of who you would rather buy a product from – for anything else – then consider your options on SSL providers. Also, beyond the price, make sure that the features offered are also compatible with your needs. Aside from the certifications and trust, different providers offer different levels of support. Look beyond the hype and fancy names and go for what you really need.\nFor those of you who are running personal or hobby sites, or anything that’s non-commercial, there is an out for you that is nonetheless acceptable to Google.\nLet’s Encrypt is a trusted CA that is open and free to use (). Unfortunately, it only issues domain- or DNS-validated certificates with no plans to extend this to OV or EV. This means that their certificates can only validate ownership and not the holding company. If you’re a commercial site, that’s the major drawback.\nLet’s Encrypt is pre-configured at certain hosting companies (for example- SiteGround and A2 Hosting). If you plan to go with Let’s Encrypt Free SSL, it’s best to host with one of these web hosts.\nStandard Let’s Encrypt SSL is free with all hosting accounts and auto-installed to all domains with SiteGround.\nUsers can switch to HTTPS (using Let’s Encrypt at Siteground) in just a few simple clicks.\nTo check your free standard Let’s Encrypt SSL certificates at SiteGround, login to cPanel > Security > SSL / TLS Manager > Certificates (CRT).\nStarting from March 29, 2018, Let’s Encrypt Wildcard SSL is also included (free) in all SiteGround hosting accounts. This would be a time saver for site owners who are running on multiple sub-domains (mail.domain.com, billing.domain.com, etc). Learn more in my SiteGround review.\nHow to Install a SSL Certificate\nSSL Installation for cPanel\nUnder ‘Security’ options, click on ‘SSL/TLS Manager’\nUnder ‘Install and Manage SSL’, select ‘Manage SSL Sites’\nCopy your certificate code including —–BEGIN CERTIFICATE—– and —–END CERTIFICATE—– and paste it into the “Certificate: (CRT)” field.\nClick ‘Autofill by Certificate’\nCopy and paste the chain of intermediate certificates (CA Bundle) into the box under Certificate Authority Bundle (CABUNDLE)\nClick ‘Install Certificate’\n* Note: If you are not using a dedicated IP address you will have to select one from the IP Address menu.\nSSL Installation for Plesk\nGo to the Websites & Domains tab and choose which domain you’d like to install the certificate for.\nClick ‘Secure Your Sites’\nUnder the ‘Upload Certificate Files’ segment, click ‘Browse’ and choose the certificate and the CA bundle files necessary.\nClick ‘Send Files’\nGo back to ‘Websites & Domains’ then click on ‘Hosting settings’ for the domain you’re installing the certificate on.\nUnder ‘Security’, there should be a drop-down menu for you to select the certificate.\nEnsure the ‘SSL Support’ box is checked.\nMake sure you click ‘OK’ to save changes\nTo validate if your installation was successful, you can use this free SSL validation tool.\nUpdate your website’s internal links\nIf you check your website’s internal links you will notice that they are all using HTTP. Obviously these need to be updated to HTTPS links. Now in a few steps we’ll show you a way to do this globally using a redirection technique.\nHowever, it is best practice to update your internal links from HTTP to HTTPS.\nIf you’ve got a small website with just a few pages that shouldn’t take too long. However if you have hundreds of pages it would take ages so you’d be better off using a tool to automate this to save time. If your site runs on database, perform database search and replace using this free script.\nUpdate links pointing to your site\nOnce you switch to HTTPS if you have external websites linking to you they will be pointing to the HTTP version. We’ll be setting up a redirection in a few steps time, but if there are any external websites where you control your profile then you can update the URL to point to the HTTPS version.\nGood examples of these would be your social media profiles and any directory listings where you have a profile page that’s under your control.\nSetup a 301 Redirect\nOK onto the techie bit and if you’re not confident with this type of thing then it’s definitely time to get some expert assistance. It’s pretty straightforward and doesn’t take much time at all in fact, but you just need to know what you’re doing.\nWith a 301 Redirect what you’re doing is telling Google that a particular page has been permanently moved to another address. In this case you’re going to tell Google that any HTTP pages on your site are now HTTPS so it redirects Google to the correct pages.\nFor most people who use Linux web hosting this will be done through the .htaccess file (see code below – as per Apache recommendation).\nRedirect “/” “https://www.example.com/”\nUpdate Your CDN SSL\nThis is actually an optional step because not everyone uses a CDN. CDN stands for Content Delivery Network and it’s a geographically distributed set of servers that store copies of your web files and they present them to your visitors from a geographically close server to improve the speed that it loads for them.\nAs well as performance improvements, a CDN can also offer better security because it’s servers can monitor and identify malicious traffic and stop it reaching your website.\nAn example of a popular CDN is Cloudflare.\nEither way, just ask your hosting company if you are using a CDN. If you aren’t fine, just move on to the next step.\nIf you are then you need to contact the CDN and ask them for instructions to update your SSL so that their CDN system recognizes it.\nCommon SSL certificate errors and quick solutions\n1- SSL Certificate not trusted\nAlmost all browsers in widespread use such as Chrome, Microsoft Edge, Mozilla Firefox, and Apple Safari have built in repositories that are used to recognize trusted SSL Certificates.\nIf you’re getting a message stating that a site has a certificate which is not trusted, exercise caution as that is likely to mean that the certificate present was not signed by a trusted CA.\n2- Intermediate SSL Certificate missing\nThis error is often caused by an incorrectly installed SSL Certificate. Errors during the installation procedure may lead to some SSL connection errors. There should be a ‘chain of trust’ meaning that all necessary components in the signing process should run unbroken.\nIf you’re a website owner and encountering this error, try referring to the section I’ve covered on ‘SSL Installation’.\n3- Problems with Self-Signed Certificates\nTo circumvent SSL issues, some website owners create their own SSL Certificates. This is possible, but do not make much of a difference since it won’t be signed by a trusted CA. The only time that self-signed certificates are likely used are in test or development environments. Sites with self-signed certificates will not be shown as secure.\n4- Mixed Content Errors\nThis is a configuration problem. For SSL Certificates to work, every single page and file on your site should be HTTPS linked. This includes not only pages, but also images and documents. If a single page is not HTTPS linked, the site will encounter a mixed content error and revert to HTTP.\nTo avoid these problems, make sure your links are all updated with HTTPS links.\nAt the end of the day, SSL Certificates are a win-win situation. Yes, it may be forced upon us by big businesses such as Google, but there’s really very little downside.\nFor a small price, you can assure customers of the security of their data and privacy. Customers on the other hand, can regain faith in digital technology, a field that has increasingly been blighted by Hackers, Spammers and other Cybercriminals.\neCommerce is one of the key pillars towards the digital economy and has helped increase cross-border trade now more than ever before. By keeping data safe and secure, as website owners you can personally contribute to Internet security too.\nLastly, when choosing your SSL, try to avoid just keeping your eye on the price and do your best to always revert to one simple word when you’re feeling lost or confused; Trust.\nWHSR receive referral fees from companies mentioned in this page. Our opinions are based on real experience and actual server data. Please read our review policy page to understand how our host review and rating system works.", "label": "No"}
+{"text": "Piecing the Puzzle\nThe Genesis of AIDS Research in Africa\nIn 1979, Dr. Allan Ronald, a specialist in infectious diseases from Canada, and Dr. Herbert Nsanze, head of medical microbiology at University of Nairobi, met through the World Health Organization. Ronald had just completed a successful project that cured a chancroid (genital ulcer) epidemic in Winnipeg and Nsanze asked him to come to Kenya to help with Kenya’s “sexual diseases problem.” That initial invitation led to a groundbreaking international scientific collaboration that would uncover critical pieces in the complex puzzle that became today’s HIV/AIDS pandemic. In Piecing the Puzzle, journalist and documentary filmmaker Larry Krotz chronicles the fascinating history of the pioneering Kenyan, Canadian, Belgian, and American research team that uncovered HIV/AIDS in Kenya, their scientific breakthroughs and setbacks, and their exceptional thirty-year relationship that began a new era of global health collaboration.\nPublication Date: May 1st, 2012\n220 pages| 6 in x 9 in\nLARRY KROTZ has, as writer and filmmaker, explored the ways our actions affect our world. Widely traveled, he is well acquainted with Canada's north, including numerous First Nations communities. He is the author of five books including The Uncertain Business of Doing Good and Piecing the Puzzle.", "label": "No"}
+{"text": "ち ょ っ と (chotto) - meaning \"a little\" - is one of the most commonly used words in Japanese. For those who are starting to learn Japanese, let's find out how and when to say \"chotto\"!\nYou can use it in situations like saying sorry, telling people something you don't want to or can't do. A very useful expression!\nFor everyone coming to live, study and work in Japan. So that you can get used to life in Japan faster!", "label": "No"}
+{"text": "Expert interview with Michael Butts\nFinding answers to environmental concerns, such as water scarcity and droughts issues is a complex task. We posed five questions to our drought expert, Michael Butts.\nFollow him as he walks us through this vital topic.\n- What are the causes of drought? And is there a link between climate change and drought?\nDroughts are related to our climate. Or rather, they are extreme variations from normal climate conditions. They are periods of abnormally dry weather that are sufficiently long for the lack of water to become a serious problem. For example, Bolivia suffered a major drought in 2016, reputed to be the worst in the last 25 years. A national state of emergency had to be declared to manage the water shortages. In Sri Lanka, persistent drought conditions in 2016 and early 2017 led to widespread crop failures, particularly rice paddies. In the same year, serious droughts were also reported in Cambodia, China, Haiti, Kenya, Lesotho, Madagascar, Marshall Islands, Micronesia, Paraguay, South Sudan, Swaziland and Timor-Leste. So droughts, like floods, reflect natural but dramatic climate variability and lead to temporary, albeit over many months, reductions in water availability. What climate change science is telling us is that our own activities are affecting our planet’s climate and weather. Work presented by the IPCC concludes that climate change will likely lead to global increases in extreme weather along with heightened risks to livelihoods, human health, and infrastructure, both today and in the future.\n|Let’s explore some terms!\nDroughts: can be considered as a temporary decrease of the average water availability. Reflect climate variability.\nWater scarcity: refers to long-term water imbalances, combining low water availability with a level of water demand exceeding the natural recharge.\nWater stress: occurs when the demand for water exceeds the available amount during a certain period or when poor quality restricts its use.\n- What are the consequences of drought?\nAs we saw in the case of Bolivia and Sri Lanka, the most common consequences of drought are shortages of water and in many cases the resulting shortages of food. The severity of these impacts depends on not only the severity of the drought itself but also on our ability to cope or vulnerability. Another important factor that affects our vulnerability to water shortages is the increasing demand for freshwater, for drinking, for washing, for agriculture and for industry. This is driven in part by population growth, which again increases the vulnerability of developing countries.\n‘Recent figures indicate that, globally, the use of freshwater is growing at roughly twice the rate of population growth. This may be an even more pressing problem than climate change, affecting both the developed and developing world.’\nWe speak of water scarcity where we have a long-term imbalance because the level of demands for freshwater exceed the natural replenishment. The high demands for water for agricultural production and periods of minimal precipitation have led to water crises in California, Australia and elsewhere.\n- What is the most important thing for organisations, utilities or authorities dealing with drought?\nWe cannot stop droughts or the rain or, as King Canute – the Viking King of England – demonstrated, the tides. Our only option is to find ways to cope and adapt. We can cope with water shortages in a variety of ways. We can find new sources of water; from groundwater, by increasing storage capacity in reservoirs, transferring water from one river basin to another or even, despite the cost and energy required, desalinate seawater. Alternatively, we can be more efficient in the ways we use water, by water recycling, changing crops and cropping patterns, more efficient irrigation, or by metering and pricing to encourage water conservation.\n‘We may need to provide political or economic support or make changes to the local, national or intranational institutions responsible for water governance.’\nThe most important thing is to bring together the right information to make the most appropriate decisions. Especially drought planning decisions on how to manage and use water resources so that the risk of droughts leading to water shortages are reduced or even eliminated.\n- How can we forecast the next drought? (Or: What is drought planning?)\nIn many areas, if we look at history and climate data we can be sure that droughts will happen at some point. However, forecasting exactly when is more difficult. We have all experienced how difficult it seems to be to forecast the weather reliably just a few days into the future. Water managers and hydrologists have a distinct advantage that by knowing the water stored in mountain snow packs, in reservoirs or the groundwater and understanding how demands for water change, we can forecast the availability of water, even if a drought should occur.\n“By carefully monitoring satellite-derived soil water deficits, we can estimate how supply and demand are evolving, provide an early warning of developing drought conditions and plan adaptation measures during the early stages of the drought..”\nPreparing for the drought or drought planning is the most reliable way of avoiding the most critical effects of drought such as shortages of food and water. Decision-makers within farming, municipal water supply, hydropower producers, industry, tourism, environmental agencies, local and national government can then use these drought plans to protect themselves.\n- How can developing countries get access to information and technology in managing drought?\nFortunately, we can draw from a broad range of technologies for managing and adapting to water scarcity, droughts and water shortages. And they can be applied to find robust solutions to current challenges or in a future of increasing demands and climate change. The choices are as diverse as satellite monitoring and seasonal forecasting for drought early warning, water licensing and permitting, surface water reservoirs, groundwater prospecting, reducing pipe leakage or increasing irrigation efficiency. Collaboration among authorities at the regional, national and local levels is often needed to develop equitable and sustainable solutions.\n‘Decision Support Systems can be used both as a common knowledge platform and as operational tool to integrate information about climate and water data, socio-economic variables, management scenarios and climate change impacts to inform decision-making.’\nIt is not possible for me to cover all these technologies here. For practitioners, I can suggest as a starting point, the recently published guide to adaptation technologies, covering both too much and too little water.\nExamples of decision support system and tools for drought planning and monitoring can be found through:\nEuropean Drought Observatory: http://edo.jrc.ec.europa.eu/edov2/php/index.php?id=1000\nFloods & Drought Portal: http://www.flooddroughtmonitor.com/home and http://www.bom.gov.au/water/ssf/\nSeasonal Streamflow Forecasts – Australia: http://www.bom.gov.au/water/ssf/\nNile Basin DSS: http://nbdss.nilebasin.org/support/solutions/articles/4000039715-what-is-the-nile-basin-dss- and https://www.dhigroup.com/global/references/emea/overview/equitably-sharing-the-nile-river\nYou might also be interested in:\nJoin the free webinars from the International Water Association (IWA) and learn more in your own pace and time. They are all available for you now – just a click away!\n- Drought early warning and assessment, experiences from Africa\n- Drought management today – cases from Asia\n- Use of satellite data for drought and flood management (Technical presentation)\nGet the practitioner’s guide on how to consider climate change when dealing with existing challenges in water resources management. Free download here.\nManagement of the water resources of the Nile is a transboundary issue that requires collaboration between the riparian countries. How do you share the Nile River? Read case story here.\nAbout the author\n- R&D Program Manager in Water Resources with more than 20 years of professional experience in flood & water resources management and hydrology. Michael has worked on projects all over the world: United States, India, China, Central America to name a few. He has also been involved in a number of research projects related to climate change and has worked on climate change projects related to water resources in India, Denmark, Egypt and the Nile Basin.", "label": "No"}
+{"text": "Creating a flourishing garden or maintaining a colorful lawn on the Front Range of Colorado can be tricky. With specific soil and irrigation needs, growing plants in Colorado takes a little extra effort than other regions. So, we turned to the experts at the Colorado State University Extension and Outdoor Nursery Manager Alex Tisthammer at Fort Collins Nursery to get the inside scoop on landscaping in Colorado.\nIf the weather is favorable, outdoor planting of trees, shrubs and perennials can begin as soon as mid-April if the plants have been hardened off, or gradually exposed to wind and temperature fluctuations. Planting for frost-tender annuals and garden veggies can begin at the end of May or the first week of June. This is when we’re most likely to be done with spring snowstorms, and the ground is warm enough to help seeds germinate and young seedlings flourish. If you’re antsy to get your fingers into soil, start seeds indoors now, then transplant the seedlings outside when weather reports indicate there’s no longer a danger of an evening frost.\nTips for vegetable gardens\nIf you dream of tending a backyard veggie patch, the first step is to get your soil quality tested. (The CSU Extension office can do this for you.) This test allows you to see if you need to add any organic supplements such as compost or pea-size gravel to your garden beds.\nMany housing divisions in the Front Range have compacted clay soil that’s difficult for roots to penetrate. The way to solve this problem is by opting for a raised garden bed filled with a mixture of soil and pea gravel from a nursery, or by tilling soil into several inches of your ground-level garden beds. Raised beds are also a good option for those who prefer to garden from a standing position or want to keep pets and tiny tots away from fragile seedlings.\nWatering in Colorado\nTo ensure your garden and landscaping features get enough moisture, it’s best to install a drip system or plan a daily hand-watering schedule. As the plants mature, they become more resilient to our climate and need less daily attention.\nWhen adding a new plant to the garden, check it daily for the first week. Place your finger at least two inches into the soil and see if it feels moist. If not, the plant needs water. Note how often the plant seems to need water, then adjust your watering schedule.\nChoosing your plants\nOnce you have ideal soil, drainage and watering in place, it’s time to stock up on seed packets or seedlings from a garden center. On the Colorado Front Range, you want to choose vegetables that take fewer days to mature and harvest.\nTisthammer says greens like spinach and lettuces as well as baby carrots, beets, radishes, baby bell peppers and cherry tomatoes are perfect for Colorado gardens.\nTips for Larimer County landscaping\nIf you’re hoping to fill decorative pots to flank your front door or update the landscape design around the perimeter of your property to create year-round interest, choose perennials. They will need regular watering for the first season, then Mother Nature can take over. However, some plants positioned close to your home or garage may need additional watering if they’re blocked from the rain. Perennials return to their full beauty after the snow melts and only require pruning and trimming to maintain a coiffed appeal.\nPlants for potting\nOur planting zone is 5. Keep an eye on the ratings of the plants you’re choosing, or ask a garden nursery attendant for assistance. If you’re planting in containers, go with a colder zone rating, such as 3, for success. Then, choose bigger-than-usual pots filled with warm, insulating soil to keep those roots cozy. A few plants to explore include hens and chicks, columbines, echinacea, succulents and evergreens. Love bulbs like daffodils and tulips? They can be planted in pots, but are better suited for garden beds and ground planting.\nNative trees and shrubs\nIf you’re in building mode or starting with a fresh, open yard, consider adding native and locally popular species to your property. They’re used to our high-pH, clay-rich soil. The following trees do well as long as they are watered regularly for their first season and saplings are fitted with tree wrap to protect them from winter winds from November through late-March.\n- Austrian Pine\n- Cottonwoods (Lanceleaf, Plains, Narrowleaf) – Check HOA and area ordinances as Cottonwoods are sometimes prohibited.\n- Crab Apples\n- Mountain Ash\n- Ponderosa Pine\n- Rocky Mountain Juniper\nIf you’re looking for shrubs to create a hedge, privacy wall or natural fencing around your land, be sure you have excellent drainage by way of a sand or rock layer in your soil. Some of the best plants to consider in Larimer County include:\n- Apache Plume\n- Crandall Clove Currant (Yes, they are edible!)\n- Fernbush (Desert Sweet)\n- Leadplant (This is a great substitution for Russian Sage)\n- Mockorange (This has a heavenly orange blossom scent)\n- Mountain Mahogany (They have decorative ornamental seed heads)\n- Sumac (Tall and short)\n- Tall Western Sage (Artemesias)\n- Wild Rose (The rose hips can be used medicinally)\nAre cacti, grasses and flowers your preference? There are several varieties that flourish on the Front Range. Whether you’re designing your gardens on your own, or working with a landscaper, add these Colorado-loving plants to your consideration list.\n- Mammillaria or Nipple Cactus (Yellow and Pink)\n- Plains Yucca\n- Prickly Pear\n- Big Blue-stem\n- Blue Grama (Blonde Ambition)\n- Mountain Muhly (This is related to Undaunted Ruby Muhly)\n- Prairie Dropseed Grass\n- Bee Balm\n- Blue Flax\n- Chocolate Flower (This has a delightful fragrance)\n- Desert Four O’Clock\n- Pasque Flower\n- Prairie Smoke Geum\n- Purple Coneflower\n- Rocky Mountain Columbine (This is our state flower!)\n- Scarlet Globemallow\nUsing home equity for landscaping\nAdding beauty and value to your home can be a smart investment. Whether you plant a few trees, build raised garden beds or line the walk with a variety of perennials, you’re sure to enhance your outdoor living space.\nYou can use the equity in your home to purchase landscaping supplies and services with a Home Equity Loan or Line of Credit*. At Elevations, our lending team cares about you, your story, and finding the best solution to meet your goals. We have a variety of term options, and fixed and variable rates that often save you money compared to a credit card or other loan. Plus, there’s no application fee!\nUse this calculator to see how much equity you may have available in your home.\nAre you ready to tackle a yard makeover? You’ll not only enjoy the beauty of your manicured property, but you may also be able to boost your home’s value and initiate buyer interest if you’re planning on selling soon. Learn more about a home equity loan here, or give us a call at 800.429.7626.\n*Offers of credit are subject to credit approval and underwriting. Financing only available on Colorado properties. Equal Housing Opportunity Lender NMLS 717246.\nAdditional Sources: Colorado State University Extension", "label": "No"}
+{"text": "Britain’s colonial past is often whitewashed in the name of progress. But the truth is a lot more dark.\nThere is a prevalent idea—and not only in the United Kingdom—that the British Empire was a force for good.\nSomehow, in stark contrast to the well-known barbarity of the German or Belgian colonial pursuits, Britain gets off the hook as the benevolent empire that paved the way for progress and development of the nations it graced with its patronage.\n“What might not be done if the moral authority of England were distributed across the earth,” wrote James Morris in his history of British Empire, “to tackle the evils of slavery, ignorance and paganism at source, to teach the simpler peoples the benefits of Steam, Free Trade and Revealed Religion, and to establish … a Moral Empire of loftier intent?”\nIndeed, 59% of Britons are proud of their colonial past. Shashi Tharoor, author of Inglorious Empire, calls this historical amnesia, to be blamed on the lack of in-depth exploration of the nation’s colonial history in British schools.\nPraise for efficient management systems, rule of law and infrastructure improvements often overshadows facts such as Britain’s role in the transportation of over 3 million slaves between 1640 and 1807 (when the slave trade was finally made illegal), the brutal suppression of Kenya’s Mau Mau rebellion and the Irish famine.\nHistory is never black and white. But whitewashing over crimes against humanity in the name of progress does a disservice not only to the discipline, but first and foremost to all those who carry the memory of colonialism in their blood and bones, and are still waiting for an apology.\nThe views expressed in this article are the author’s own and do not necessarily reflect Fair Observer’s editorial policy.\nPhoto Credit: nazlisart", "label": "No"}
+{"text": "The purpose of this amendment is to extend the meaning of the word ‘useful’, as it is applied in section 18(1)(c) of the Patents Act 1990, which requires that an invention must be ‘useful’ in order to be patentable. (This requirement is also termed ‘utility’.)\nThe purpose of requiring that an invention be ‘useful’ has traditionally been to prevent the granting of patents that have no practical application, or that do not work. The specific requirements for utility have been developed by the courts, and can broadly be characterised as requiring that the claimed invention must actually achieve what has been promised by the patentee, in the patent specification.\nPROBLEMS WITH THE EXISTING UTILITY REQUIREMENTOne problem with the current definition of usefulness is that an inventor is not obliged to promise very much. Some patent attorneys are in the habit of adding stock ‘promises’ to patent specifications, such as that the invention is intended to ‘at least provide a useful alternative’ to existing products or processes.\nAdditionally, there is rarely any practical harm done by granting a patent for something without any practical application, or which simply does not work. There is generally no commercial value in such things, and thus no reason to infringe a ‘useless’ patent. Even if the patent is somehow infringed, in the absence of some commercial gain through the infringing act, there would seem to be little value in the patentee seeking to enforce the patent.\nThere would therefore seem to be little harm done by the grant of ‘useless’ patents, in the current sense. Lack of utility is a case often run in oppositions and revocation actions, but which is rarely successful. Generally the argument is that the specification promises more than the claimed invention delivers, or that the claims are so broad that, although they cover things that are useful, they also encompass things that are not. This situation would be better dealt with by a proper ‘enablement’ standard, requiring the scope of the claims to be commensurate with the description. This is another one of IP Australia’s proposed reforms, to which we will return in the next article.\nThe more serious issues that fall under the general heading of ‘utility’ in many jurisdictions are those relating to speculative claiming of various kinds. The controversy around gene patents illustrates this very well. Opponents often complain that allowing patents over genetic technologies results in private ‘ownership’ of genes. This should not be the case – a patent should only be granted in cases where the specific function of a gene has been identified, and a specific application, such as a test or therapy, developed as a result. Historically, however, there is no doubt that overly-broad patents have been granted on isolated genes based on generic descriptions of the processes used to identify their functions and develop practical applications. Such patents are speculative in the sense that the ‘inventors’ are almost certain that the genes will have some practical use, it is just that it has not been discovered yet!\nTHE PROPOSED SOLUTIONTo address this issue, and others like it, the draft bill proposes a new section 7A, as follows:\n7A Meaning of useful(1) For the purposes of this Act, an invention is taken not to be useful unless a specific, substantial and credible use for the invention (so far as claimed) is disclosed in the complete specification.(2) Subsection (1) does not otherwise affect the meaning of the word useful in this Act.\nAccording to the draft Explanatory Memorandum, subsection (1) is intended to bring the Australian law of utility more into line with the meaning of ‘useful’ in the US patent law, and to implement the recommendations of the Australian Law Reform Commission (ALRC) in its 2004 report Genes and Ingenuity: Gene Patenting and Human Health (at 6.100).\nThe US utility requirements, as implemented by examiners in the USPTO, are set out in the Manual of Patent Examining Procedure (MPEP), Section 2107. The relevant definitions are summarised in IP Australia’s Explanatory Memorandum as follows:\n- ‘specific’ means a use specific to the subject matter claimed and can provide a well-defined and particular benefit to the public;\n- ‘substantial’ means the claimed invention does not require further research to identify or reasonably confirm a real world use; an application must show that an invention is useful to the public as disclosed in its current form, not that it may prove useful at some future date after further research; and\n- an asserted use will be ‘credible’ unless there is evidence that the invention is inoperative (i.e. does not operate to produce the results claimed by the patent application) or there is reason to doubt the objective truth of the statements in the specification.\nAll of these must be assessed from the perspective of the person skilled in the relevant art.\nIn addition to the specific requirements in subsection 7A(1), subsection (2) is (if we understand it correctly) intended to ensure that the existing case law also continues to apply.\nThis refinement of the requirements for a claimed invention to be ‘useful’ should go a long way towards addressing some of the perceived problems with patents in fields such as genetic technology, biologics and pharmaceuticals, in which it is not an uncommon strategy to file speculative applications upon the initial discovery of a ‘promising’ molecule or biological material.\nFor inventions in the vast majority of technical fields, the utility requirement should remain largely irrelevant. The practical application of the claimed invention in most applications filed is clear and uncontroversial. The enhanced utility requirement will only be of concern – as perhaps it rightly should be – to those attempting to ‘push the boundaries’ of patentability in specific technology areas.\nWe therefore consider that this is generally a good reform.\nWe are, however, a little concerned about the wording of the section, and particularly subsection (2). The intention appears to be to acknowledge and retain the existing requirement for utility developed by the courts, and add to this a statutory requirement for a specific, substantial and credible utility. This is not, however, what the proposed section says. By referring to the ‘meaning of the word useful in the Act’, subsection (2) appears to confuse, rather than clarify, the intent. It is not at all clear, for example, what ‘otherwise’ means in this context. What ‘meaning’ is being referred to? Is it the existing judicial meaning at the time of commencement of the new section7A, or is it subject to further development by the courts?\nThe word ‘useful’ appears only in section 18 of the Act. It therefore has only one meaning (whatever that may be). The circumlocution therefore appears unnecessary. We would keep it simple, and include the following stipulation within section18 itself:\nFor the purposes paragraphs 18(1)(c) and 19(1A)(c), an invention may be useful only if a specific, substantial and credible use for the invention (so far as claimed) is disclosed in the complete specification.\nThis leave open the possibility (however unlikely) that a claimed invention may pass this statutory test, but nonetheless lack utility, which appears to be the intent.", "label": "No"}
+{"text": "This article needs additional citations for verification. (April 2008) (Learn how and when to remove this template message)\nEmpire of the Romans and Franks\nRomanorum sive Francorum imperium (Latin)\nThe Carolingian Empire at its greatest extent in 814\n|Historical era||Middle Ages|\n• Coronation of Charlemagne\n• Death of Charles the Fat\n|800||1,112,000 km2 (429,000 sq mi)|\nThe Carolingian Empire (800–888) was a large empire in western and central Europe during the early Middle Ages. It was ruled by the Carolingian dynasty, which had ruled as kings of the Franks since 751 and as kings of the Lombards of Italy from 774. In 800, the Frankish king Charlemagne was crowned emperor in Rome by Pope Leo III in an effort to revive the Roman Empire in the west during a vacancy in the throne of the eastern Roman Empire. After a civil war (840–43) following the death of Emperor Louis the Pious, the empire was divided into autonomous kingdoms, with one king still recognised as emperor, but with little authority outside his own kingdom. The unity of the empire and the hereditary right of the Carolingians continued to be acknowledged, preceding the Holy Roman Empire, which lasted until 1806.\nIn 884, Charles the Fat reunited all the kingdoms of Francia for the last time, but he died in 888 and the empire immediately split up. With the only remaining legitimate male of the dynasty a child, the nobility elected regional kings from outside the dynasty or, in the case of the eastern kingdom, an illegitimate Carolingian. The illegitimate line continued to rule in the east until 911, while in the western kingdom the legitimate Carolingian dynasty was restored in 898 and ruled until 987 with an interruption from 922 to 936.\nThe size of the empire at its inception was around 1,112,000 square kilometres (429,000 sq mi), with a population of between 10 and 20 million people. To the south it bordered the Emirate of Córdoba and, after 824, the Kingdom of Pamplona; to the north it bordered the kingdom of the Danes; to the west it had a short land border with Brittany, which was later reduced to a tributary; and to the east it had a long border with the Slavs and the Avars, who were defeated and their land incorporated into the empire. In southern Italy, the Carolingians' claims to authority were disputed by the Byzantines (eastern Romans) and the vestiges of the Lombard kingdom in the Principality of Benevento.\nUse of the term \"Carolingian Empire\" is a modern convention. The language of official acts in the empire was Latin. The empire was referred to variously as universum regnum (\"the whole kingdom\", as opposed to the regional kingdoms), Romanorum sive Francorum imperium[a] (\"empire of the Romans and Franks\"), Romanum imperium (\"Roman empire\") or even imperium christianum (\"Christian empire\").\n- 1 History\n- 2 Demographics\n- 3 Government\n- 4 List of emperors\n- 5 See also\n- 6 Notes\n- 7 References\n- 8 External links\nRise of the Carolingians (c. 732 – 768)\nThough Charles Martel chose not to take the title king (as his son Pepin III would, or emperor, as his grandson Charlemagne) he was absolute ruler of virtually all of today's continental Western Europe north of the Pyrenees. Only the remaining Saxon realms, which he partly conquered, Lombardy, and the Marca Hispanica south of the Pyrenees were significant additions to the Frankish realms after his death.\nMartel was also the founder of all the feudal systems and merit system that marked the Carolingian Empire, and Europe in general during the Middle Ages, though his son and grandson would gain credit for his innovations. Further, Martel cemented his place in history with his defense of Christian Europe against a Muslim army at the Battle of Tours in 732. The Iberian Saracens had incorporated Berber light horse cavalry with the heavy Arab cavalry to create a formidable army that had almost never been defeated. Christian European forces, meanwhile, lacked the powerful tool of the stirrup. In this victory, Charles earned the surname Martel (\"the Hammer\"). Edward Gibbon, the historian of Rome and its aftermath, called Charles Martel \"the paramount prince of his age\".\nPepin III accepted the nomination as king by Pope Zachary in about 751. Charlemagne's rule began in 768 at Pepin's death. He proceeded to take control of the kingdom following his brother Carloman's death, as the two brothers co-inherited their father's kingdom. Charlemagne was crowned Roman Emperor in the year 800.\nDuring the reign of Charlemagne (768–814)\nThe Carolingian Empire during the reign of Charlemagne covered most of Western Europe, as the Roman Empire once had. Unlike the Romans, who ventured to Germania beyond the Rhine only for vengeance after the disaster at Teutoburg Forest (9 AD), Charlemagne decisively crushed all Germanic resistance and extended his realm to the Elbe, influencing events almost to the Russian Steppes.\nCharlemagne's reign was one of near-constant warfare, personally leading many of his campaigns. He seized the Lombard Kingdom in 774, led a failed campaign into Spain in 778, extended his domain into Bavaria in 788, ordered his son Pepin to campaign against the Avars in 795, and conquered Saxon territories in wars and rebellions fought from 772 to 804.\nPrior to the death of Charlemagne, the Empire was divided among various members of the Carolingian dynasty. These included King Charles the Younger, son of Charlemagne, who received Neustria; King Louis the Pious, who received Aquitaine; and King Pepin, who received Italy. Pepin died with an illegitimate son, Bernard, in 810, and Charles died without heirs in 811. Although Bernard succeeded Pepin as King of Italy, Louis was made co-Emperor in 813, and the entire Empire passed to him with Charlemagne's death in the winter of 814.\nReign of Louis the Pious and the civil war (814–843)\nLouis the Pious often had to struggle to maintain control of the Empire. King Bernard of Italy died in 818 in imprisonment after rebelling a year earlier, and Italy was brought back into Imperial control. Louis' show of penance for Bernard's death in 822 greatly reduced his prestige as Emperor to the nobility. Meanwhile, in 817 Louis had established three new Carolingian Kingships for his sons from his first marriage: Lothar was made King of Italy and co-Emperor, Pepin was made King of Aquitaine, and Louis the German was made King of Bavaria. His attempts in 823 to bring his fourth son (from his second marriage), Charles the Bald into the will was marked by the resistance of his eldest sons, and the last years of his reign were plagued by civil war.\nLothar was stripped of his co-Emperorship in 829[why?] and was banished to Italy, but the following year his sons attacked Louis' empire and dethroned him in favor of Lothar. The following year Louis attacked his sons' Kingdoms, stripped Lothar of his Imperial title and granted the Kingdom of Italy to Charles. Pepin and Louis the German revolted in 832, followed by Lothar in 833, and together they imprisoned Louis the Pious and Charles. In 835, peace was made within the family, and Louis was restored to the Imperial throne. When Pepin died in 838, Louis crowned Charles king of Aquitaine, whilst the nobility elected Pepin's son Pepin II, a conflict which was not resolved until 860 with Pepin's death. When Louis the Pious finally died in 840, Lothar claimed the entire empire irrespective of the partitions.\nAs a result, Charles and Louis the German went to war against Lothar. After losing the Battle of Fontenay, Lothar fled to his capital at Aachen and raised a new army, which was inferior to that of the younger brothers. In the Oaths of Strasbourg, in 842, Charles and Louis agreed to declare Lothar unfit for the imperial throne. This marked the East-West division of the Empire between Louis and Charles until the Verdun Treaty. Considered a milestone in European history, the Oaths of Strasbourg symbolize the birth of both France and Germany. The partition of Carolingian Empire was finally settled in 843 by and between Louis the Pious' three sons in the Treaty of Verdun.\nAfter the Treaty of Verdun (843–877)\nLothar received the Imperial title, the Kingship of Italy, and the territory between the Rhine and Rhone Rivers, collectively called the Central Frankish Realm. Louis was guaranteed the Kingship of all lands to the east of the Rhine and to the north and east of Italy, which was called the Eastern Frankish Realm which was the precursor to modern Germany. Charles received all lands west of the Rhone, which was called the Western Frankish Realm.\nLothar retired Italy to his eldest son Louis II in 844, making him co-Emperor in 850. Lothar died in 855, dividing his kingdom into three parts: the territory already held by Louis remained his, the territory of the former Kingdom of Burgundy was granted to his third son Charles of Burgundy, and the remaining territory for which there was no traditional name was granted to his second son Lothar II, whose realm was named Lotharingia.\nLouis II, dissatisfied with having received no additional territory upon his father's death, allied with his uncle Louis the German against his brother Lothar and his uncle Charles the Bald in 858. Lothar reconciled with his brother and uncle shortly after. Charles was so unpopular that he could not raise an army to fight the invasion and instead fled to Burgundy. He was only saved when the bishops refused to crown Louis the German King. In 860, Charles the Bald invaded Charles of Burgundy's Kingdom but was repulsed. Lothar II ceded lands to Louis II in 862 for support of a divorce from his wife, which caused repeated conflicts with the Pope and his uncles. Charles of Burgundy died in 863, and his Kingdom was inherited by Louis II.\nLothar II died in 869 with no legitimate heirs, and his Kingdom was divided between Charles the Bald and Louis the German in 870 by the Treaty of Meerssen. Meanwhile, Louis the German was involved in disputes with his three sons. Louis II died in 875, and named Carloman, the eldest son of Louis the German, his heir. Charles the Bald, supported by the Pope, was crowned both King of Italy and Holy Roman Emperor. The following year, Louis the German died. Charles tried to annex his realm too, but was defeated decisively at Andernach, and the Kingdom of the eastern Franks was divided between Louis the Younger, Carloman of Bavaria and Charles the Fat.\nThe Empire, after the death of Charles the Bald, was under attack in the north and west by the Vikings and was facing internal struggles from Italy to the Baltic, from Hungary in the east to Aquitaine in the west. Charles the Bald died in 877 crossing the Pass of Mont Cenis, and was succeeded by his son, Louis the Stammerer as King of the Western Franks, but the title of Holy Roman Emperor lapsed. Louis the Stammerer was physically weak and died two years later, his realm being divided between his eldest two sons: Louis III gaining Neustria and Francia, and Carloman gaining Aquitaine and Burgundy. The Kingdom of Italy was finally granted to King Carloman of Bavaria, but a stroke forced him to abdicate Italy to his brother Charles the Fat and Bavaria to Louis of Saxony. Also in 879, Boso, Count of Arles founded the Kingdom of Lower Burgundy in Provence.\nIn 881, Charles the Fat was crowned the Holy Roman Emperor while Louis III of Saxony and Louis III of Francia died the following year. Saxony and Bavaria were united with Charles the Fat's Kingdom, and Francia and Neustria were granted to Carloman of Aquitaine who also conquered Lower Burgundy. Carloman died in a hunting accident in 884 after a tumultuous and ineffective reign, and his lands were inherited by Charles the Fat, effectively recreating the Empire of Charlemagne.\nCharles, suffering what is believed to be epilepsy, could not secure the kingdom against Viking raiders, and after buying their withdrawal from Paris in 886 was perceived by the court as being cowardly and incompetent. The following year his nephew Arnulf of Carinthia, the illegitimate son of King Carloman of Bavaria, raised the standard of rebellion. Instead of fighting the insurrection, Charles fled to Neidingen and died the following year in 888, leaving a divided entity and a succession mess.\nDivisions in 887–88\nThe Empire of the Carolingians was divided: Arnulf maintained Carinthia, Bavaria, Lorraine and modern Germany; Count Odo of Paris was elected King of Western Francia (France), Ranulf II became King of Aquitaine, Italy went to Count Berengar of Friuli, Upper Burgundy to Rudolph I, and Lower Burgundy to Louis the Blind, the son of Boso of Arles, King of Lower Burgundy and maternal grandson of Emperor Louis II. The other part of Lotharingia became the duchy of Burgundy.\nThe largest cities in the Carolingian Empire around the year 800:\nRome 50,000. Paris 25,000. Regensburg 25,000. Metz 25,000. Mainz 20,000. Speyer 20,000. Tours 20,000. Trier 15,000. Cologne 15,000. Lyon 12,000. Worms 10,000. Poitiers 10,000. Provins 10,000. Rennes 10,000. Rouen 10,000.\nThe government, administration, and organization of the Carolingian Empire were forged in the court of Charlemagne in the decades around the year 800. In this year, Charlemagne was crowned emperor and adapted his existing royal administration to live up to the expectations of his new title. The political reforms wrought in Aachen were to have an immense impact on the political definition of Western Europe for the rest of the Middle Ages. The Carolingian improvements on the old Merovingian mechanisms of governance have been lauded by historians for the increased central control, efficient bureaucracy, accountability, and cultural renaissance.\nThe Carolingian Empire was the largest western territory since the fall of Rome, but historians have come to suspect the depth of the emperor's influence and control. Legally, the Carolingian emperor exercised the bannum, the right to rule and command, over all of his territories. Also, he had supreme jurisdiction in judicial matters, made legislation, led the army, and protected both the Church and the poor. His administration was an attempt to organize the kingdom, church, and nobility around him, however, its efficacy was directly dependent upon the efficiency, loyalty and support of his subjects.\nIt has long been held that the dominance of the Carolingian military was based on a \"cavalry revolution\" led by Charles Martel in 730. However, the stirrup, which made the 'shock cavalry' lance charge possible, was not introduced to the Frankish kingdom until the late eighth century. Instead, the Carolingian military success rested primarily on novel siege technologies and excellent logistics. However, large numbers of horses were used by the Frankish military during the age of Charlemagne. This was because horses provided a quick, long-distance method of transporting troops, which was critical to building and maintaining such a large empire.\nNo permanent capital city existed in the empire, the itinerant court being a typical characteristic of all Western European kingdoms at this time. Some \"main residences\" can, however, be distinguished. In the first year of his reign, Charlemagne went to Aachen (French: Aix-la-Chapelle; Italian: Aquisgrana) for the first time. He began to build a palace twenty years later (788). The palace chapel, constructed in 796, later became Aachen Cathedral. Charlemagne spent most winters between 800 and his death (814) at Aachen, which he made the joint capital with Rome, in order to enjoy the hot springs. Charlemagne organized his empire into 350 counties, each led by an appointed count. Counts served as judges, administrators, and enforcers of capitularies. To enforce loyalty, he set up the system of missi dominici, meaning \"envoys of the lord\". In this system, one representative of the Church and one representative of the Emperor would head to the different counties every year and report back to Charlemagne on their status.\nThe royal household was an itinerant body (until c. 802) which moved around the kingdom making sure good government was upheld in the localities. The most important positions were the chaplain (who was responsible for all ecclesiastical affairs in the kingdom), and the count of the palace (Count palatine) who had supreme control over the household. It also included more minor officials e.g. chamberlain, seneschal, and marshal. The household sometimes led the army (e.g. Seneschal Andorf against the Bretons in 786).\nPossibly associated with the chaplain and the royal chapel was the office of the chancellor, head of the chancery, a non-permanent writing office. The charters produced were rudimentary and mostly to do with land deeds. There are 262 surviving from Charles’ reign as opposed to 40 from Pepin’s and 350 from Louis the Pious.\nThere are 3 main offices which enforced Carolingian authority in the localities:\nThe Comes (Latin: count). Appointed by Charles to administer a county. The Carolingian Empire (except Bavaria) was divided up into between 110 and 600 counties, each divided into centenae which were under the control of a vicar. At first, they were royal agents sent out by Charles but after c. 802 they were important local magnates. They were responsible for justice, enforcing capitularies, levying soldiers, receiving tolls and dues and maintaining roads and bridges. They could technically be dismissed by the king but many offices became hereditary. They were also sometimes corrupt although many were exemplary e.g. Count Eric of Friuli. Provincial governors eventually evolved who supervised several counts.\nThe Missi Dominici (Latin: dominical emissaries). Originally appointed ad hoc, a reform in 802 led to the office of missus dominicus becoming a permanent one. The Missi Dominici were sent out in pairs. One was an ecclesiastic and one secular. Their status as high officials was thought to safeguard them from the temptation of taking bribes. They made four journeys a year in their local missaticum, each lasting a month, and were responsible for making the royal will and capitularies known, judging cases and occasionally raising armies.\nThe Vassi Dominici. These were the king’s vassals and were usually the sons of powerful men, holding ‘benefices’ and forming a contingent in the royal army. They also went on ad hoc missions.\nAround 780 Charlemagne reformed the local system of administering justice and created the scabini, professional experts on the law. Every count had the help of seven of these scabini, who were supposed to know every national law so that all men could be judged according to it.\nJudges were also banned from taking bribes and were supposed to use sworn inquests to establish facts.\nIn 802, all law was written down and amended (the Salic law was also amended in both 798 and 802, although even Einhard admits in section 29 that this was imperfect). Judges were supposed to have a copy of both the Salic law code and the Ripuarian law code.\nCoinage had a strong association with the Roman Empire, and Charlemagne took up its regulation with his other imperial duties. The Carolingians exercised controls over the silver coinage of the realm, controlling its composition and value. The name of the emperor, not of the minter, appeared on the coins. Charlemagne worked to suppress mints in northern Germany on the Baltic sea.\nThe Frankish kingdom was subdivided by Charlemagne into three separate areas to make administration easier. These were the inner \"core\" of the kingdom (Austrasia, Neustria, and Burgundy) which were supervised directly by the missatica system and the itinerant household. Outside this was the regna where Frankish administration rested upon the counts, and outside this was the marcher areas where ruled powerful governors. These marcher lordships were present in Brittany, Spain, and Bavaria.\nCharles also created two sub-kingdoms in Aquitaine and Italy, ruled by his sons Louis and Pepin respectively. Bavaria was also under the command of an autonomous governor, Gerold, until his death in 796. While Charles still had overall authority in these areas they were fairly autonomous with their own chancery and minting facilities.\nThe annual meeting, the Placitum Generalis or Marchfield, was held every year (between March and May) at a place appointed by the king. It was called for three reasons: to gather the Frankish host to go on a campaign, to discuss political and ecclesiastical matters affecting the kingdom and to legislate for them, and to make judgments. All important men had to go the meeting and so it was an important way for Charles to make his will known. Originally the meeting worked effectively however later it merely became a forum for discussion and for nobles to express their dissatisfaction.\nThe oath of fidelity was a way for Charles to ensure loyalty from all his subjects. As early as 779 he banned sworn guilds between other men so that everyone took an oath of loyalty only to him. In 789 (in response to the 786 rebellion) he began legislating that everyone should swear fidelity to him as king, however in 802 he expanded the oath greatly and made it so that all men over age 12 swore it to him.\nThe five greatest capitularies of Charlemagne's reign are:\n- The Capitulary of Herstal of 779. This is a short capitulary and launched according to Ganshof in response to a crisis in Aquitaine, Italy, and Spain. It is concerned a lot with ordo, making sure that the church is working correctly, also with reinforcing the wergild and Frankish ideals. Notably forced the usage of tithes.\n- Admonitio Generalis of 789. “Blueprint for a new society” mentioning social issues for the first time. The first 58 clauses (of 82) reiterate decisions made by previous church councils and much is also to do with ordo.\n- The Capitulary of Frankfurt of 794. This is mainly to do with theology and speaks out against adoptionism and iconoclasm.\n- The Programmatic Capitulary of 802. This shows an increasing sense of vision in society.\n- The Capitulary for the Jews of 814, delineating the prohibitions of Jews engaging in commerce or money-lending.\nList of emperors\n|Later image||Name||Imperial coronation||Death||Contemporary coin|\n|25 December 800||28 January 814|\n(Louis the Pious)\n|1st: 11 September 813\n2nd: 5 October 816\n|20 June 840|\n|Lothair I||5 April 823||29 September 855|\n|Louis II||1st: Easter 850\n2nd: 18 May 872\n|12 August 875|\n(Charles the Bald)\n|29 December 875||6 October 877|\n(Charles the Fat)\n|12 February 881||13 January 888|\n- Carolingian Empire portal\n- Carolingian Renaissance\n- List of Carolingian monasteries\n- Sometimes with Romanum (Roman) replacing Romanorum (of the Romans) and atque (and) replacing sive (or).\n- Post-Roman towns, trade and settlement in Europe and Byzantium – Joachim Henning – Google Břger. Books.google.dk. Retrieved 24 December 2014.\nThe size of the Carolingian empire can be roughly estimated at 1,112,000 km²\n- Ildar H. Garipzanov, The Symbolic Language of Authority in the Carolingian World (c.751–877) (Leiden: Brill, 2008).\n- Magill, Frank (1998). Dictionary of World Biography: The Middle Ages, Volume 2. Routledge. pp. 228, 243. ISBN 9781579580414.\n- Rosamond McKitterick, Charlemagne: The Formation of a European Identity, Cambridge University Press, 2008 ISBN 978-0-521-88672-7\n- Davis, Jennifer (2015). Charlemagne's Practice of Empire. Cambridge University Press. p. 25. ISBN 9781316368596.\n- Joanna Story, Charlemagne: Empire and Society, Manchester University Press, 2005 ISBN 978-0-7190-7089-1\n- \"Die Geburt Zweier Staaten – Die Straßburger Eide vom 14. February 842 | Wir Europäer | DW.DE | 21.07.2009\". Dw-world.de. 2009-07-21. Retrieved 2013-03-26.\n- Eric Joseph Goldberg, Struggle for Empire: Kingship and Conflict Under Louis the German, 817–876, Cornell University Press, 2006 ISBN 978-0-8014-3890-5\n- Simon MacLean, Kingship and Politics in the Late Ninth Century: Charles the Fat and the End of the Carolingian Empire, Cambridge University Press, 2003 ISBN 978-0-521-81945-9\n- Bachrach, B. (2013). Charlemagne's Early Campaigns (768–777): A Diplomatic and Military Analysis. Brill. p. 67. ISBN 9789004244771. Retrieved 2014-10-06.\n- Dudley, L. (2008). Information Revolutions in the History of the West. Edward Elgar. p. 26. ISBN 9781848442801. Retrieved 2014-10-06.\n- Claus, Edda (June 1997). \"The Rebirth of a Communications Network: Europe at the Time of the Carolingians (thesis)\". papyrus.bib.umontreal.ca. Retrieved 2014-10-06.\n- Hooper, Nicholas / Bennett, Matthew. The Cambridge Illustrated Atlas of Warfare: the Middle Ages Cambridge University Press, 1996, pp. 12–13 ISBN 0-521-44049-1, ISBN 978-0-521-44049-3\n- Bowlus, Charles R. The Battle of Lechfeld and its Aftermath, August 955: The End of the Age of Migrations in the Latin West Ashgate Publishing, Ltd., 2006, pg. 49 ISBN 0-7546-5470-2, ISBN 978-0-7546-5470-4\n- Egon Boshof: Ludwig der Fromme. Darmstadt 1996, p. 89\n|Wikimedia Commons has media related to Carolingian period.|", "label": "No"}
+{"text": "An historical background\nThe New Martyr Elizabeth was born on February 27th 1864. Elizabeth’s grandmother was Queen Victoria as Elizabeth’s mother, Princess Alice, was one of Queen Victoria’s daughters. Princess Alice had married Grand Duke Louis of Hesse. In 1878 diphtheria afflicted the Hesse household and Elizabeth was the only survivor due to not being in Hesse at the time of the outbreak. She was orphaned at the age of fourteen years and partially brought up by Queen Victoria. In June 1884 Elizabeth married Grand Duke Sergei of Russia. After she arrived in Russia Elizabeth studied the national characteristics and especially their Orthodox faith. In 1891, on the Saturday before Palm Sunday (Lazarus Saturday) the Grand Duchess Elizabeth was received into the Orthodox Church.\nThis was her own choice and Metropolititan Anastassy confirmed this: “The Grand Duchess of her own volition decided to unite herself to the Orthodox Church. When she made her announcement to her husband,according to the account of one of the servants, tears involuntarily poured from his eyes. The Emperor Alexander himself was deeply touched by her decision. Her husband blessed her after Holy Chrismation with a precious icon of the Saviour ‘Not Made by Human Hands’ which she treasured throughout the remaining course of her life. Having been joined to the faith in this manner, and thereby to all that makes up the soul of a Russian, the Grand Duchess could now with every right say to her husband in the words of Moabite Ruth: “Your people have become my people and your God my God.” (Ruth 1.16)\nHowever the Grand Duchess’s conversion to Orthodoxy caused some negative reactions from her family. Elizabeth wrote to them that she was “intensely happy” and that it caused her painto grieve her family and assured them: “that God’s blessing will accompany my act which I do with fervent belief, with the feeling that I may become a better Christian and be one step nearer to God.” She also mentioned that “Above all one’s conscience must be pure and true … many will scream about (it), yet I feel it brings me nearer to od…You tell me that the purer brilliance of the church charmed me … in that you are mistaken – nothing in the outer signs attracted me … the service, the outer signs, are only to remind us of the inner things.” Furthermore Elizabeth explained that she would be “lying before God” to remain “outwardly a Protestant.” It was Queen Victoria who showed the most understanding and provided Elizabeth with moral support for her decision.\nThe assassination of Elizabeth’s husband\nOn February 18th 1905, while on duty in the Kremlin, Elizabeth’s husband was assassinated by a bomb thrown by a Social-Revolutionary, Ivan Kalyayev. It is recorded that Grand Duchess Elizabeth heard the explosion and in a shocked state rushed outside, gathered the dismembered body of her husband strewn around the snow covered square and arranged for the Grand Duke’s coachman, who was severely wounded, to be taken to hospital.\nShe later visited the dying man and enabled him to die peacefully by telling him that the Grand Duke was well and safe. After her time of mourning she also visited her assassin in prison and asked him why he killed her husband. He explained that he did not wish to kill her and even withheld throwing the bomb on several occasions when she was with the Duke. Elizabeth told him: “by killing him (the Duke) you were killing me.” The Grand Duchess left the criminal with a Gospel book and begged him to read it, left the prison and lamented: “My attempt was unsuccessful, but who knows, perhaps at the last minute he will understand and repent.”\nLife as a nun devoted to the poor\nAfter her time of mourning for the Grand Duke, Grand Duchess Elizabeth became a nun and gave away her jewellery and sold her luxurious possessions. From the proceeds she opened a Home in Moscow to foster the prayer and charity of devout women. The Home was dedicated to Martha and Mary, and Elizabeth helped the poor and orphans. It was here that seventeen women were dedicated as Sisters of Love and Mercy in April 1909. They also opened a hospital and a variety of other philanthropic ventures as their work started to flourish. Grand Duchess Elizabeth had also envisioned a diaconate for women but due to a misunderstanding with a Bishop she was unable to do this.\nThe communist government exiled her to Yekaterinburg in 1918 and then she was moved to Alapaesvsk, where she was killed by the local Bolsheviks on July 18th 1918 together with other Dukes, Princes and courtiers and Nun Barbara, a Sister from the Grand Duchess Elizabeth’s Convent. They were all herded into the forest and pushed into an abandoned mineshaft, into which grenades were then hurled. It was reported that an observer heard them singing Church hymns as they were pushed into the mine shaft, and after the Bolsheviks left he could still hear them singing for a while. Elizabeth’s last act as she lay dying in the mineshaft was to bandage the wounds of Prince loann with her handkerchief. The White Army later recaptured this area and Elizabeth’s relics were taken by the Army to Beijing and placed in the Church of St. Seraphim of Sarov. Later they were taken to Jerusalem and placed in the Church of St. Mary Magdalene, which Elizabeth and her husband had helped to build. It was one of Elizabeth’s wishes that she be buried here and today her tomb can be visited.\nThe Grand Duchess Elizabeth was glorified as the New Martyr Elizabeth by the Russian Orthodox Church Outside of Russia in 1981 and then by the Russian Orthodox Church as a whole on 1992. In 1992 a portion of her relics were taken to 61 dioceses of Russia and the Commonwealth of Independent States. The Saints Martha and Mary Convent was given some of these relics. The New Marty Elizabeth’s statue is to be seen above the Great West Door of Westminster Abbey in London as one of the ten twentieth century martyrs across the world.\nHer Feast day is celebrated on July 5th (New Calendar) or July 5th (Old Calendar). She is also commemorated on the feast of the New Martyrs and Confessors of Russia on the Sunday nearest to 25th January.\nWhat we can see in the icons of Elizabeth\nElizabeth is shown as a nun and holds a Russian Cross in her hand.\nHymns for Elizabeth\nHymns reflect both Elizabeth’s care for others and her struggles: ��having loved the Creator of the heavens from your youth, you took care to exercise yourself in prayer and contemplation of God even before you came to know the true Orthodox faith. You bedewed your soul with the Word of God and remained utterly faithful to Christ, our God.”\n“From your youth, faith in Almighty God, prepared you for the struggle of love and loving kindness. Therefore you forgave the slayer of your husband, and gave yourself over to Monastic life.\nHymns also remember Elizabeth’s companion, Martyr Barbara: “Elizabeth and Barbara, her fellow sufferer, served Christ in this life with ascetic labours and good deeds and shone like the passion-bearers. Behold now they have received crowns of martyrs from the hands of the Saviour.” “You rejected worldly vanity and glory, having chosen the way of the ascetics and you were guided by Saints Mary and Martha, the sisters of Lazarus, how to unite the teachings of Christ with good deeds. Together with Barbara, your fellow struggler, you received a martyr’s death. Wherefore Christ crowned you with a twofold crown, 0 humble and wise Elizabeth.”\n“Taking up the Cross of Christ you passed from royal glory to the glory of heaven and prayed for your enemies. 0 holy Martyr Elizabeth, together with the Martyr Barbara, you found everlasting joy. Therefore pray on behalf of our souls.”\nFinally the hymns can enable us in desire to emulate Elizabeth’s steadfastness and courage: “We do homage to your struggle and your compassionate loving kindness, 0 divinely wise Elizabeth, praising your courage in the face of torments and your ardent love for your neighbour in the midst of suffering.’…. “In the midst of worldliness your mournful heart dwelt in heaven; in barbaric godlessness your valiant soul was not troubled. You went to meet your Bridegroomas a confessor and he found you with your martyric purpose. 0 Elizabeth with Barbara, your brave companion, pray to the Bridegroom for us.”\n“In Russia, 0 venerable martyr Elizabeth, you discovered the priceless pearl of the pure Orthodox Faith which you accepted with all heart and spirit, and now standing before God in the heavens, pray to Him for us, who feel sinful and useless.”\n(Some material re-sourced from Orthodoxwiki.org)", "label": "No"}
+{"text": "A confederation is a union of independent and sovereign states that have come together on common ground to share constitutional powers among themselves and the central government so created.\nIn a confederation, constitutional powers are shared in a way in which the component units that formed the confederation has more fundamental powers allocated to them while the central government has little or fundamental powers. This makes the central government to be weak while the states are strong and much more powerful than the central government. Whereas in a federation, the central government is more powerful than the component states as the federal government has more constitutional powers than the federating states.\nIn a federation, the component states has no legal right to secede. In fact the constitution bars the states from withdrawing from the union. Whereas in a confederation, the states that formed the confederation reserve the right to pull out ofthe union.\n‘ln a federation, as a result of multilateral sharing or constitutional powers, the constitution is necessarily a written and rigid one to protect the smaller units that formed the federation from arbitrary use of higher constitutional powers given to the central government. Whereas in a confederation, there is a flexible constitution which may be written or unwritten but the stipulations therein are open to alteration at the instance of any of the confederating units that possess the constitutional powers to do so.\nIn a federation, new states can be created to be added to the already existing ones that formed the federation. Whereas in a confederation, new states cannot be created as member states are independent and autonomous.\nThe president of a federation is an executive president as he or she is very powerful and is given high constitutional powers. Whereas the president of a confederation is a mere ceremonial president who does not rule but act in ceremonial capacity as he or she has little or no constitutional powers to direct affairs of the confederacy.\nThese are the differences between a federation and a confederation.", "label": "No"}
+{"text": "We’ve all been told about the importance of taking your vitamins, eating healthy and exercising regularly. As we age, however, our overall health becomes even more dependent on how often we exercise and the food we consume. As the body grows older it slows down and things that were once routinely produced are produced less often.\nA small protein molecule, Glutathione, is one of these substances that slowly starts to diminish as we age. Glutathione is synthesized in the body from three different amino acids, L-cysteine, L-glutamic acid, and glycine. The molecule can be found in every cell throughout the body, but it is mainly found in the liver.\nGlutathione has various functions including regulating cell growth, fighting the oxidation of circulating fats in the bloodstream, synthesizing and repairing DNA, and transporting amino acids in and out of cells. Glutathione also has many detoxifying and immune-boosting effects. For example, according to a recent study by The New England Journal of Medicine, researchers discovered that heart disease patients with low blood levels of Glutathione were thirty percent more likely to suffer from a heart attack than those patients with optimal levels.\nUnfortunately, Glutathione can plummet to as low as fifty percent of what is needed for optimal health as we grow older. In addition to aging, low glutathione levels can also be a result from overconsumption of heavily-processed foods, environmental toxins, drugs, infections, and stress. Those who suffer from illnesses such as chronic fatigue syndrome, diabetes, autoimmune diseases, Alzheimer’s disease, Parkinson’s disease, arthritis, autism, kidney failure, and liver disease can also have lower levels of Glutathione.\nSo, what steps can you take to ensure that your Glutathione levels remain at their optimal level? Eating foods rich in Glutathione such as melons, peaches, asparagus, and grapefruit is a great start. However, the fastest and highest dose of this powerful molecule comes from an intravenous injection that can be provided at IV Liquid Assets in Fairhope.\nIf you would like to learn more about intravenous injections of Glutathione and other beneficial substances, call 855-234-WELL or schedule an appointment for an infusion with us this week.", "label": "No"}
+{"text": "Drift is the movement of pesticide from the target field onto nearby sensitive plants. Most drift consists of spray droplets moving downwind during an application. This type of drift (referred to as droplet, physical, primary, or particle drift) can be minimized by following the label recommendations for spray equipment, procedures, and weather conditions.\nIn addition to wind, temperature inversions have a critical effect on drift. Temperature inversions occur commonly during Midwestern summers (Bish 2019), typically forming in the late afternoon or evening and persisting through 1-2 hours after sunrise. Temperature inversions occur most often under light or calm winds, due to a lack of vertical air movement (See Figure 1 below). Since inversions are marked by very little wind, it may seem like a good time to spray. It is not. The lack of vertical air movement means spray droplets can become suspended near the ground surface in colder, denser air. Air can move horizontally, like a fog, onto neighboring fields, carrying these spray droplets along. Morning sunlight or stronger winds usually mix the air layers and bring an end to inversion conditions. But applications made during an inversion late in the day may have several hours to move off target.\nDicamba and 2,4-D can also move off-target as a gas. They are among the relatively small number of pesticides that are highly prone to volatilize (turn into a gas). A spike in air temperature can cause these herbicides to turn into a gas even after they have been successfully applied to target surfaces. As temperature inversions form, pesticide vapors lingering in the atmosphere can be pulled back down to the surface where they can cause damage.\nThe applicator is legally responsible for checking both current and predicted weather conditions, following all label restrictions, and knowing where neighboring sensitive crops are located.\nOff-target plant damage may also result from inadequate cleaning of sprayer equipment, contaminated runoff water, and sometimes from contaminated grass clippings or compost.\nFigure 1. In normal daytime conditions (left), warmer air rises from the earth’s surface, while cooler air from higher in the atmosphere sinks, causing a vertical mixing of air. In the absence of substantial horizontal winds, herbicide droplets will hit their target on the ground or vaporize and dissipate into upper air levels.\nBut during a temperature inversion (right), the air temperature close to the ground is cooler than the air column above it and vertical mixing of air does not occur. In these conditions, small pesticide droplets stay suspended in the denser cold air, settling close to the surface. But the air can still move horizontally, moving these droplets onto neighboring crops.\nThis publication is a product of the North Central IPM Center working group on Herbicide-Drift Risk Management, with support from the USDA National Institute of Food and Agriculture through agreement 2018-70006-28884.\nReference to any commercial products or trade names implies no discrimination or endorsement by the North Central IPM Center or any of the contributing authors or their universities. Nor does this document constitute legal advice. Always seek legal advice from a professional who is knowledgeable in current agricultural law in your state.\nCassandra Brown, Horticulture and Crop Science, The Ohio State University\nStephen Meyers, Horticulture & Landscape Architecture, Purdue University\nDouglas J. Doohan, Horticulture and Crop Science, The Ohio State University\nMary Ann Rose, Pesticide Safety Education Program, The Ohio State University\nThe following individuals reviewed part or all of this fact sheet: Bill Johnson, Purdue University; Bryan Young, Purdue University; Aaron B. Wilson, Byrd Polar and Climate Research Center; Cathy Herms, The Ohio State University\nBehrens R, Lueschen WE (1979) Dicamba volatility. Weed Sci. 27:5, 486-493.\nBish M, Bradley K (2017) Survey of Missouri pesticide applicator practices, knowledge, and perceptions. Weed Technol. 31:2:165-177, doi:10.1017/wet.2016.27\nBish M, Farrell S, Lerch R, Bradley K (2019) Dicamba losses to air following applications to soybean under stable and nonstable atmospheric conditions. J Environ Qual. 48:1675–1682, doi:10.2134/jeq2019.05.0197.\nBradley K. 2017 Oct 30. A Final Report on Dicamba-Injured Soybean Acres. University of Missouri, Integrated Pest Management. https://ipm.missouri.edu/IPCM/2017/10/final_report_dicamba_injured_soybean/\nBradley K. 2018 July 19. Dicamba Injury Update. Different Year, Same Questions. University of Missouri, Integrated Pest Management. https://ipm.missouri.edu/IPCM/2018/7/July-15-Dicamba-injury-update-different-year-same-questions/\nHettinger J. 2019 Aug 27. Despite Federal, State Efforts, Dicamba Complaints Continue. Midwest Center for Investigative Reporting. https://investigatemidwest.org/2019/08/27/despite-federal-state-efforts-dicamba-complaints-continue/\nPesticides: Uses & Misuses. Illinois Department of Agriculture [accessed 2020 Feb 28] https://www2.illinois.gov/sites/agr/Pesticides/Pages/Pesticides-Uses-Misuses.aspx\nNowatzki, J. (2018 Jan) Understanding Air Temperature Inversions Relating to Pesticide Drift North Dakota State University AE1876 https://www.ag.ndsu.edu/publications/crops/understanding-air-temperature-inversions-relating-to-pesticide-drift\nOffice of Indiana State Chemist and Seed Commissioner. 2019, Nov 13. OISC Announces 2020 Dicamba Restriction. https://www.oisc.purdue.edu/pesticide/pdf/dicamba_24c_press_release_111319.pdf\nThostenson A, Enz JW, Hofman V (2019 Oct) Air Temperature Inversions Causes, Characteristics and Potential Effects on Pesticide Spray Drift. North Dakota State University, AE1705. https://www.ag.ndsu.edu/publications/crops/air-temperature-inversions-causes-characteristics-and-potential-effects-on-pesticide-spray-drift\nUSDA Economic Research Service. 2019 Sept 18. Recent Trends in GE Adoption. https://www.ers.usda.gov/data-products/adoption-of-genetically-engineered-crops-in-the-us/recent-trends-in-ge-adoption.aspx\nWechsler SJ, Smith D, McFadden J, Dodson L, Williamson S. 2019 Oct 1. The Use of Genetically Engineered Dicamba-Tolerant Soybean Seeds Has Increased Quickly, Benefiting Adopters but Damaging Crops in Some Fields. USDA Economic Research Service. https://www.ers.usda.gov/amber-waves/2019/october/the-use-of-genetically-engineered-dicamba-tolerant-soybean-seeds-has-increased-quickly-benefiting-adopters-but-damaging-crops-in-some-fields/", "label": "No"}
+{"text": "Official United Nations figures claim that 2.5 billion people lack access to adequate sanitation. But new research from the University of North Carolina puts the total at more than 4.1 billion people.\nAs world leaders and grassroots groups discuss how to reduce poverty and improve lives, debates over precise definitions and accurate measurements are taking on a new urgency. The agenda-setting Millennium Development Goals expire in 2015, but already new definitions for water, sanitation, and hygiene seek to influence the post-MDG global development agenda.\nLast month, the Water Institute at the University of North Carolina, Chapel Hill, challenged official statistics from the United Nations on the number of people without proper toilet facilities: UNC put the figure at 4.1 billion people, compared with 2.5 billion claimed by the United Nations. Both figures assessed conditions in 2010.\nThe discrepancy between the two sets of sanitation figures comes from different accounting methods. The United Nations measures hardware — the toilet, in this case — and how well it protects the user from immediate contact with the waste. The UNC researchers, on the other hand, approached the question from a public health angle: they also considered hardware, but in a broader sense, by asking whether or not the sewage is treated.\n“We looked at public health and the environment beyond just the user,” Rachel Baum told Circle of Blue. Baum is a co-author on the paper, which was published online in January in the journal Environmental Science and Technology.\nBaum and her colleagues wondered, “Is sanitation protecting the wider community?”\nMore often than not, they found, the answer is no. In 2010, some 4.1 billion people — six out of every 10 people on the planet — did not use toilet facilities that ultimately treat the sewage before it is returned to the environment. (The researchers pulled sewage treatment data from the United Nations Statistics Division, the Food and Agricultural Organization (FAO), the European Commission’s Eurostat, and the Organization for Economic Cooperation and Development.)\nThis is the second time in less than a year that the Water Institute has challenged WASH statistics from the United Nations. In March 2012, a study published in the International Journal of Environmental Research and Public Health found that 1.8 billion people drink unsafe water — a figure that is more than double the 780 million people who lack access to an improved water source, according to the United Nations Joint Monitoring Program’s 2012 update.\nAgain, the discrepancies come from the way in which the data is collected: the United Nations defines access to drinking water in terms of infrastructure — in other words, the taps, pipes, and wells used to deliver water — rather than water quality, as measured by the Water Institute.\nShaping Things To Come\nLast year, the United Nations declared that, according to its metrics, the world had achieved the MDG for drinking water in 2010. The sanitation target is not likely to be achieved, according to an August 2012 update. Both goals sought to halve the proportion of people without access to improved drinking water and sanitation from a 1990 baseline.\nThe definitions — and the discrepancies between the definitions — of access and quality matter. The United Nations is now discussing which items will comprise the global development program after 2015, when the eight Millennium Development Goals expire.\nAt stake in the next round of goal-setting is a place in the global-aid pecking order and a chance at the rivers of cash that flow toward the top priorities. Development aid for drinking water and sanitation reached $US 7.8 billion in 2010, and loans to the sector added an additional $US 4.4 billion that year, according to the United Nations.\nJohn Oldfield, the CEO of WASH Advocates, said that priorities are already changing, with less money spent on drilling wells and installing pumps; instead, more cash is being allocated to building maintenance and financial skills within the communities that will manage the water and sanitation projects after the donor leaves.\nBut John Sauer, head of communications for the Denver-based nonprofit Water for People, said he did not know if the UNC study would lead to a big shift in how money is spent. The broader issue, he told Circle of Blue, is that sanitation coverage is expanding much too slowly, and the progress that has been made is not well monitored, to see if it is sustainable.\nBetter Outcomes This Time Around\nEveryone with a stake in the new order is offering recommendations during the run up to 2015.\nOn February 21, the United Nations and a handful of its partner organizations issued a press release arguing that the new development goals for water and sanitation should focus on people on the margins: children, women, and those who live in slums or with disabilities.\n“The post-2015 agenda must not move forward without clear objectives towards the elimination of discrimination and inequalities in access to water, sanitation, and hygiene,” according to the statement.\nYet, it is still early in the negotiations, and the players are jockeying for position.\n“We can’t say at this point what the U.N. will recommend,” Pragati Pascale, communications officer for the United Nations, told Circle of Blue. “There are a lot of discussions going on, trying to hear from many voices.”\nFebruary 17 marked the wrap-up of a five-week public consultation on water and sanitation goals, an initiative sponsored by the United Nations and civil society groups. And coming up in May, a star-studded panel — chaired by the leaders of Indonesia, Liberia, and the United Kingdom — will present its assessment of the MDG successes, failures, and inadequacies.\nBaum said she hopes that last month’s UNC sanitation study brings more attention to what effective sanitation really is. Meanwhile, Oldfield told Circle of Blue that these types of studies can result in stronger definitions of the problem, in addition to better outcomes.\n“This paper will enable stronger policies and it will inform the consultative process,” Oldfield said. “Universal coverage for sanitation is the goal, and this will help us define what exactly we mean by ‘universal coverage.’”", "label": "No"}
+{"text": "Access: Dates and TimesBy\nTime can be a moment or a millennium. It can be measured in small units like seconds or large units like years. Calendars break time up into periods like years, months, and days. And clocks use even smaller increments, like hours and seconds, to measure time. With all these different periods of time, how does Access store date and time values?\nThe answer is a “serial date.” A serial date represents a calendar date as the number of days that has passed since a predetermined fixed date. For Access, the fixed date is December 30, 1899. This makes day 1 = December 31, 1899. You might think that choosing January 1, 1900, would have made better sense, but the reasoning behind this choice has to do with Excel.\nExcel stores date values in a similar fashion, but day 1 in Excel is January 1, 1900, which is a day later than in Access. So why the difference? When creating Excel, Microsoft chose to propagate a bug from Lotus 1-2-3 where February 29, 1900, was counted as a day; but 1900 wasn’t a leap year. By having the fixed dates for Excel and Access off by a day, the serial dates of the programs end up aligning on March 1, 1900, and continue to do so for every date after.\nWhy use a serial date? It’s currently the year 2018. On the next New Year‘s Day, the year will be incremented by one to 2019. There are 12 months in each year, which are represented by the numbers 1 to 12 or by the specific name of the month. Each month contains a varying number of days from 28 to 31. Of course, you already know all this. But how quickly can you determine how many days there are between May 25, 2018, and February 3, 2017? It would probably take much longer than it does to find the difference between 43,245 and 42,769. That’s much simpler. You can see how it might be easier to store values of time using a simple number for each day rather than referring to dates using those other time periods.\nWhen you choose the date/time data type, Access stores a double-precision number that ranges from 657,434 for January 1, 100, to 2,958,465.99998843 for 11:59:59 p.m. on December 31, 9999.\nThe whole part of the number signifies the date. The fractional part of the number, if there is one, translates to the time. At 6 a.m., a quarter of a day has gone by, so the fraction is 0.25. At noon, half the day is gone, which is 0.5.\nFigure 1 shows a query in Datasheet view. The first column, Num, contains a number from 1 to 10. This is chosen from the Numberz table. The next six columns are calculated. The date columns, Date0, Date1, and Date2, are dates in June 2018 and are formatted using yyyy-mm-dd”, “dddd. The serial date columns—Serial0, Serial1, and Serial2—correspond to Date0, Date1, and Date2, respectively, and have the exact same data as the date columns. What makes them look different is their Format property, which is #,##0.\nDate0 is calculated using DateSerial(2018,6,[Num]). The DateSerial function lets you create a date from numbers. It has parameters to specify 2 to 4 digits for the year, 1 or 2 digits for the month, and 1 or 2 digits for the day. Date1 adds 10 to Date0. Date2 adds 10 to Date1. See Table 1 for the calculations and formats for the six date fields.\nENTERING DATE AND TIME\nTo enter both a date and time, enter the date, then add one or more spaces, and then enter the time. That’s all. Access will do its best to interpret what’s entered, and its rules are very flexible! All of these different formats will be recognized as the date for the last day of 2018:\n* December 31, 2018\n* 31 Dec\n* 31 dec. 18\n* 31 Dec\n* decemb 31\nIf a year isn’t specified, the current year is assumed. If only two digits of a year are entered, Access will append 20 to the beginning of numbers less than 30 or add 19 to the front of numbers that are 30 or greater. This cutoff year of 30 is controlled by the advanced Windows Region settings for Date.\nFor the month, it’s okay to use a number or spell the name, which can be abbreviated to as few as three characters. Uppercase or lowercase doesn’t matter. For numbers, you can delimit with slashes (/) or dashes (-).\nIf Access is expecting a date, entering 12/32/18 will trigger an error since there aren’t 32 days in December. And at least three letters of a month name must be specified, so De 31, 2018 is also invalid. Monday, December 31, 2018 won’t be understood as a date because it contains extra information—the name of the day shouldn’t be included. Sometimes a typo might result in a valid, but unexpected, date such as 31 dec. 118.\nHere are some examples of valid time entries: 6a, 8.30, 4.30p, 7:15, 2:00 PM, 1:15:30 am, and 16:0.\nA shortcut to enter the current date and time is to press Ctrl+; for today’s date, add a space, then press Ctrl+Shift+: for the current time. These shortcut keys work in Excel, too.\nDownload this month’s database: SF_1806_DateTime.\nCtrl+; and Ctrl+Shift+: are shortcut keys to enter the current date and time, respectively.", "label": "No"}
+{"text": "Mexican volcanoes Popocatepetl and Colima from time to time become the focus of attention of the ufological community. This is mainly due to unusual objects flying over their craters, registered there for at least 10 years.\nAlready on October 26, 2012, a cylindrical object flew into the volcano. The Mexican media could not ignore this phenomenon, but various experts put forward various strange theories, for example, the fact that a meteor flew into the volcano. On November 15, this “meteorite” decided to fly out of the crater.\nAn unexpected departure of a cylindrical object occurred on November 15 at about 5 a.m. local time. The Popocatepetl Volcano is under close surveillance because its possible eruption or large emissions of ash can cause unrest in the capital, Mexico City. That is why it was possible to fix the moment of entry and exit of the object from the crater.\nThis case was extremely mysterious, because, as you know, the interior of the volcano is a place where it is difficult to imagine the movement of any land vehicle in such hostile conditions. On the other hand, if you want to hide your presence from people, there are probably no better places than around the Sun, inside volcanoes or undetected depths of the oceans.\nConsequently, many theories have emerged that suggest that terrestrial volcanoes are passages for creatures from outside our planet that hide from us below the surface of the earth. Thanks to the observations of people interested in the Popocatepetl volcano, we know that only from October 2012 to June 2013 there were three cases of observation of unidentified objects that entered the Popocatepetl volcano.\nSimilar observations also related to another Mexican volcano called Colima. Webcams monitoring its activity recorded an almost identical anomaly on February 15, 2016. In this case, only the moment of entry into the volcano was recorded.\nIn this context, it is probably worth mentioning a series of photographs showing unidentified flying objects seen near the Colima volcano. Presumably, these photographs date back to 1958. This is completely unique, because in those days not everyone had a camera ready to take pictures. Of course, these declarations should be considered approximations, but the pictures are really intriguing. Some say this is the most convincing UFO photograph ever taken around the crater of Colima Volcano.\nReturning, however, to the question of the Popocatepetl volcano. It should be noted that this type of observation continued uninterruptedly for many years. Some say that we can see a strange object entering or leaving the crater of this dangerous volcano almost every week. One of these new observations took place in 2015. At that time, on a recording made by webcams tracking the volcano after sunset, you could see an object approaching the crater, and after a while it flies inside.\nAnother phenomenon of this type occurred on March 11, 2017. The object was recorded by a surveillance camera located about 6 kilometers from the volcano. The live broadcast allowed us to record an extremely fast object that emerges from the crater of the volcano and flies out of the camera frame within 2 seconds.\nThese types of phenomena are obviously not the only ones that accompany this volcano. Equally unusual (also recorded in the area of the Colima volcano) are the luminous objects that seem to surround this volcano and disappear in no time. These types of lights appear there regularly. A good example is the phenomenon that occurred some time after the eruption of June 19, 2016.\nOf course, as always, the first explanations for this phenomenon are related to the forces of nature. It is possible that the a strange object is the result of reflection of sunlight from the camera lens, small molten pieces of lava erupted by the volcano and falling back to Earth, or just regular recorded airline flights. Of course, taking into account the number of such observations, we can also assume that this is something unnatural or even paranormal.\nIt is difficult to say whether the secret aura covering these volcanoes originates from the real paranormal phenomena occurring in their area, or whether this is just the result of many reports, which are often exaggerated, attributing all the observations near the craters of these volcanoes to aliens. But what is the reason for such great activity near the craters of the Mexican volcanoes Colima and Popocatepetl? Without a doubt, we will be thinking about the answers to this question for many years.", "label": "No"}
+{"text": "When you think of winter in Billings and our surrounding areas, there are a lot of things that come to mind. Heading to Red Lodge for a ski trip or going sledding with the kids at Pioneer Park. Or maybe it’s pulling out the snowblower to clear the driveway once or twice (or three times) a day. You may think thick coats, bright hats, clunky snow boots and the joy of hand warmers.\nBut in all of those cold weather thoughts, did you think about the dangers of UV exposure? Probably not.\nThe fact is, if you’re like most people, you associate UV exposure with the sunny temps of summer. The risk, however, is just as high in winter months.\nUV rays fluctuate in intensity based on a variety of factors, including altitude, setting and time of day. For example:\n- UV levels are greatest at midday when the sun is high in the sky, generally 10 a.m. to 2 p.m.\n- Wide open spaces increase the amount of UV exposure as well – especially if there are reflective surfaces like water or snow\n- The higher the altitude, the greater the UV levels – think 5% for every 1000 feet above sea level. Note: Billings is at 3,123 feet above sea level. Granite Peak, just 75 miles from here, is 12,799 feet. It’s a popular place to play and it’s the highest point in Montana. At just 5,000 feet, your UV exposure increases by 20%\n- Certain medications can increase sensitivity of the body to the sun’s UV radiation, including some types of birth control, antibiotics and diuretics. Increased sensitivity means that you can burn in 1/3 to 1/10 the time you normally would normally expect\n- Snow can reflect as much as 85% of the sun’s rays upward\nDuring winter, the angle of the sun and its height in the sky actually increases the risk of UV damage to your eyes due to prolonged exposure. That exposure can lead to a variety of problems, including photokeratitis, which means a sunburn on the layers of your eye. If you have sustained this type of burn, your eyes may become red, extremely sensitive to light and you might even tear up a little. Oftentimes, your eyes will also feel tired and gritty. This type of injury can happen in almost any type of weather, and while the symptoms are usually temporary, they are also both painful and unnecessary.\nWhat’s equally as concerning is the fact that damage to your eyes can build up over time. This can lead to an increased risk for macular degeneration and other eye diseases later in life.\nProtecting Yourself from UV Exposure\nSo how do you combat UV exposure? By wearing eye protection—and making sure your kids do too. If you’re shredding down a hill, that means wearing ski goggles, which can both combat UV rays as well as provide an extra layer of protection against anything that might fly towards your face. Otherwise, look for quality sunglasses.\nHere are a few tips:\n• Wraparound frames or close-fitting styles offer the best protection, as they prevent sunlight from entering around the lens\n• Choose lenses that block 100% of the sun’s UVA/UVB rays to protect your eyes and the skin that surrounds it\n• Consider polarized lenses, which reduce glare and can provide clearer vision\n• Talk to an optician about lens color; for instance, yellow or amber lenses are often good for snow sports by enhancing contrast on a cloudy day, while gray lenses provide clarity without distorting colors on a bright, sunny day.\nAs you can see (no pun intended), sunglasses are more than a winter fashion statement—they are must-have eye protection. A good pair of sunglasses will not only protect you from dangerous ultraviolet (UV) radiation, they help to prevent dry eyes and protect your peepers from blowing snow and ice while you enjoy the great outdoors.\nVisit Bauer and Clausen Optometry to find the perfect style and UV protective sunglasses for you and your family.\nCheck out some of the great sunglasses we currently carry which are great whether or not you need a prescription:", "label": "No"}
+{"text": "Humanity relies on global plant production for food, fibre and fuel. But how much of this plant production is available for bioenergy?\nLet’s take what scientists call a top-down look at the active biospheric global carbon cycle. That is, we will analyze the largest components of the system and their interactions without getting bogged down in technical or local details. Why bother? Well, because for at least the last 40 years scientists globally have been speculating about “The Limits to Growth” and other possible limits to human consumption of global resources. Recent reframings of this theme, such as “Planetary Boundaries”, have rekindled discussion of whether we can measure global limits, and predict crisis points, far enough in advance to hopefully avoid them.\nWe start with global net primary production (NPP), the formal term for the total plant growth of the world, both on land and in the ocean. NPP is the foundation of the food chain of every ecosystem, and from a human centric point of view provides the basis for food, fibre and fuel for human consumption. We think the ocean and land NPP are roughly equal at 53-56Pg C yr (a Petagram is 1015 g, or 1012 kg), and there is evidence that year to year variability of the global totals is small. Ocean NPP is primarily consumed by zooplankton, not by humans, so our discussion now will be only about land NPP.\nIn a changing world, can we tell if land NPP is changing too? Is NPP, total plant growth, being enhanced by modern agriculture, or retarded by pollution or land clearing? We estimate that NPP has been at least constant, and has maybe increased slightly since satellite-based global calculations were started in 1981. A logical follow-on question that has been asked repeatedly over the last few decades is how much of this NPP are humans now using, in what is often referred to as Human Appropriation of NPP or HANPP for short. The most recent estimates are that humans consume about 40% of global land NPP for food (including feeding animals), wood and paper fibre, and fuel. An easy but erroneous interpretation of that figure would imply that 60% remains for potential future human use, i.e. that we appear to be far from any limit or boundary. First, 15Pg, or about 28% of NPP goes to the plant root growth, which with the exception of a few root crops like potatoes, can’t be harvested. Second, a geographically detailed analysis of this remaining “unused” NPP shows that most resides in national parks, wilderness areas, or remote locations that are not really available. These areas also provide essential ecosystem services such as biodiversity, recreation and aesthetic values that suggest we really do not want to exploit all of them. The best estimate of the remaining “available NPP” for new human use is 5Pg or about 10% of the total land NPP (see figure). There is a consensus among people working in global food security that this final 10% of available land NPP may well be needed to feed a growing global population.\nBut now a new competitor is emerging for a slice of the global carbon pie, bioenergy. Energy research works in different units, exajoules instead of petagrams, and the world now consumes around 550 Exajoules of total energy per year, 90% being from fossil fuel sources. Biomass currently contributes about 50 EJ of that total energy. If energy production prices increase, due to scarcity or policy, big energy companies may turn their attention to large scale biomass farming. The energy markets can out-compete the food markets financially, so bioenergy production could replace food production on a large enough scale to disrupt the current economics of agriculture and even generate food shortages. The ethanol fuel goals of the U.S, government doubled the commodity price of corn from around $2 to $4 per bushel in the last half dozen years, disrupting the global corn market. It is easy to imagine that any major development of bioenergy could be on a collision course with global food security. Most agricultural land is owned privately, and the landowner typically chooses management that provides maximum financial return.\nReturning to our global NPP budget, translating the 5Pg of remaining “available” annual NPP into bioenergy would only amount to 100EJ, less than a fifth of current annual consumption, and that assumes all biomass was harvested and processed! While bioenergy may be a useful way to get utility from agricultural and forest residues, municipal trash and the like, only about 60EJ is available from residue sources. One can play with many of these assumptions and numbers, but overall it seems that bioenergy can at best contribute about 1/4 of global energy demand. However, this contribution is still meaningful, and could bring important income to farm and forest landowners. How do we build a policy environment for bioenergy and food production to coexist optimally? Should biomass be burned directly for electricity production, or processed to a liquid fuel like ethanol? When are crop residues more important as a nutrient source for the next crops than as bioenergy? Will conventional economic price signals be effective to insure adequate and equitable food production? Building a policy or incentive structure that protects agricultural production from bioenergy competition may be a necessary but difficult requirement that will challenge international diplomacy and treaty mechanisms.\nHaberl H, Erb KH, Krausmann F, Gaube V, Bondeau A, Plutzar C, Gingrich S, Lucht W, Fisher-Kowalski M. (2007). Quantifying and mapping the human appropriation of net primary production in earth’s terrestrial ecosystems. Proceedings of the National Academy of Science USA 104: 12942-12947.", "label": "No"}
+{"text": "2nd grade addition and subtraction wordoblems to fabulous image ideas.\n2nd grade addition and subtractiond problems math problemksheets free printable k5 learning algebra samsfriedchickenanddonuts.\nWorksheet amazing word problems worksheets 2nd gradeon problem math best coloring pages for second and subtraction printouts.\nWorksheet 2nd grade addition andtion word problems fabulous image ideas decimal calculator mixed.\nWorksheet free worksheets for 2nd grade math word problems second addition and subtraction book fabulous image.\nFabulous 2nd gradetion and subtraction word problems image ideas 1st worksheets area.\n2nd grade addition and subtraction word problems worksheet math to fabulous image.\nMatrix addition and subtraction calculator 2nd grade word problems pdf 5th area.\nFabulous 2nd grade addition and subtraction word problems image ideas worksheet up to online.\n2nd grade addition and subtraction word problems worksheets pdf with answers matrix calculator online.\nSeconde addition and subtraction word problems worksheets printouts 2nd pdf with answers 5th.\nMatrixn and subtraction calculator worksheets 2nd grade word problems area second.\n2nd gradetion and subtraction word problems worksheets pdf decimal.\n2nd grade addition and subtractions to word worksheet decimal calculator.\nFabulous 2nd gradedditionnd subtraction word problems image ideas up to worksheet.\nWorksheet fabulous 2nd grade addition andction word problems image ideas printable.\nWorksheet 2nd gradedditionnd subtraction word problems worksheets pdf withnswers binary calculator.\nWorksheet printable 2nd grade math worksheets number subtraction word problems problem addition fabulous and image.\n2nd grade addition and subtraction word problems pdf 3rd binary calculatorsheets mixed.", "label": "No"}
+{"text": "Not long ago, I participated in a very interesting learning session led by Dana Dupuis of Mandel Communications. Dana stated that listening is recognized as essential to successful communication and that excellent listening skills are more vital today than ever (both at work and in our personal lives). Unfortunately, listening tends to be a neglected communication skill and one that is not nearly strong enough for sustained individual, team, and organizational performance. For example, listening misconceptions and mistakes create negative consequences in business every day, compromising myriad areas, such as innovation, team effectiveness, employee engagement, productivity, sales activities, customer loyalty, and safety.\nIt is important to understand that the way we listen impacts our thinking, that our thinking impacts how we talk, and that how we like to share information is the (same) way we like to hear it. Listening is a brain-based (cognitive) activity and no two brains are the same. Different people hear things in their own particular way. That is why ten highly competent people can leave a meeting, yet have widely varying impressions and remembrances of what they just heard. Interestingly, our brains can take in (process) over 500 words per minute, yet we speak only about 125-150 words per minute. This means that we only use approximately 25% of our brain’s processing power due to the slowness of the talk-time. The result is that the “un-engaged” 75% of our brain can wreak havoc thinking about other things…which pulls us away from listening.\nTo address this challenge, we need to improve our “listening intelligence,” defined as an individual’s ability to understand their own listening habits, recognize the listening habits of others, and adapt their communication to achieve a constructive outcome. One way to do this is to familiarize ourselves with the Four Listening Styles that Mandel espouses:\n- Connective Listening: People with a Connective Listening style focus on what an interaction means for others. “Others” can mean the speaker, team members, employees, customers, or any stakeholders who might be affected by the interaction. They will tend to be very generous in their listening, often prioritizing the concerns of others. While this type of listener recognizes the importance of facts and data, it’s always with an interest of how that information will serve and support others.\n- Reflective Listening: People with a Reflective Listening style process information internally, filtering through past experiences and knowledge. They strongly rely on inner resources and tend to trust their own judgment more then they trust others. Reflective Listening brings a sense of expertise, depth and meaning to interactions. This type of listening helps groups stay grounded, on task, and in touch with the meaning, purpose or application behind whatever is being discussed.\n- Analytical Listening: People with an Analytical Listening style focus on facts, data, and measurable information. Individuals with this listening style aren’t comfortable with gray areas. They discern incoming information for its accuracy and direct applicability to the problem or situation at hand, often having little interest in opinions, ideas, or inspirations of others. This type of listener will not be swayed by the personality of the speaker, even if it’s the CEO of the company. They’ll ask questions like, “Where will we find the resources for that?”, and can be perceived as obstinate gatekeepers.\n- Conceptual Listening: People with a Conceptual Listening style focus on brainstorming and idea generation in a group. They love listening to and collaborating about ideas that tend to be future-oriented, with eyes and ears trained on what “could be.” But even in the present, individuals with this listening style prefer high-level thinking over detailed minutiae. Conceptual Listening welcomes a diversity of perspectives and considerations simultaneously. This type of listener draws new connections, offers fresh insight, and highlights new angles on an issue that others may not have considered.\nPeople don’t have a single, exclusive listening style, but a combination of the four listening styles (or “listening habits”), and knowing the four listening styles can help a person understand how we all pick up differing yet important information.\nDana went on to explain that once you understand the four listening styles, you can work on identifying your own listening habits and improvement needs, engaging with the needs of others, adjusting your “listening lens,” and navigating toward a constructive outcome. All very sensible and actionable suggestions.\nListening has never been more important, or more prone to error, especially in our current, more virtual environment. So, whether you want to improve collaboration across teams and departments, reduce the time spent in meetings, inspire more effective conflict resolution, or connect with others at a deeper level, I challenge you to explore listening in a way that you never have before.", "label": "No"}
+{"text": "What does meals do in our bodies?\nClosely linked to this barrier is college’s lack of interest in vitamin schooling. These limitations are elementary to the effectiveness of diet schooling within the sense that if school trained in vitamin are lacking, increases in touch hours and diet content material and integration of vitamin as a theme within the curriculum may not yield the needed results. Students’ suggestion of integrating nutrition as a theme throughout the complete curriculum to cater for limitations corresponding to insufficient contact hours/content material for diet and overcrowded curriculum is in keeping with best practices for improving vitamin education .\nFor some individuals raw meals though perceived as healthy, is way too onerous on their inflamed and delicate digestive techniques they usually may need to begin by incorporating a liquid diet corresponding to juicing and eating soups and simply digestible meals till their gut heals. The first thing to think about should you’re planning on giving your food plan an overhaul is to ensure that you’ve a healthy digestive system. This is an important ingredient and essential to ensure that you just’re effectively burning your meals and effectively extracting the nutrients from it. Diseases are sometimes related to vitamin and mineral deficiencies or meals senstivities so having wholesome digestion and figuring out what foods work for you is basically essential.\nThe solely illnesses that dietary intervention can remedy are dietary deficiency ailments. Much press has been given to nutritional cures in the popular literature and individuals are … Read More", "label": "No"}
+{"text": "You know obeying the speed limit is the law, but do you know why?\nDuring Road Safety Week, our General Manager of Investigations and former Accident Reconstructionist took some time out to share the science behind speeding limits.\n3 Reasons Why You Shouldn't Speed According to Science\n1. Because you don't get to make up the speed limit\nSpeed limits are determined through analysis of how cars react, therefore making up your own judgement about how much faster you think you should be able to go is extremely dangerous.\n2. Because driving conditions can change at any moment\nWhether environmental or situational, driving conditions can change while you're on the road. A sudden storm can hit or the car in front of you can slow down unexpectedly. If you're speeding, you won't have time to react.\n3. Because the faster you drive, the longer it takes to stop\nThe faster you drive, the longer it takes you to stop. This means that the likelihood of having a collision and the degree of damage caused both increase the faster you go.\nFor more information on road safety, read our post about driving distractions you didn't think were distracting.", "label": "No"}
+{"text": "ECE 6604 Personal and Mobile Communication is a graduate-level class that introduces the fun- damentals of communication over wireless channels. The past decade has seen the deployment of wireless systems in all aspects of our lifes, from cellular phones to WiFi networks. The class focuses on the opportunities and challenges presented by the physical layer of wireless channels (Layer 1 of the OSI model). Topics covered in this class include the statistical modeling of wireless channels, the use of diversity, the fundamental limits of communication over wireless channels, and multiple-input multiple-ouput systems. The objectives of the course are\n• to understand the specific characteristics of wireless channels;\n• to understand the fundamental design principles behind wireless systems.\nAs for any digital communication class, a good understanding of probability theory (ECE 3075 or equivalent) is required. A background in digital communications (ECE 6602), signal processing, coding theory (ECE 6606) or information theory (ECE 6605) is also helpful, although it is not a prerequisite. Relevant background will be revised throughout the course.\nTuesday 12:30pm-2pm, Thursday 11am-12:30pm\nLocation: Yellow room\n- Participation: 1%\n- Homeworks: 19%\n- Midterm 1: 20%\n- Midterm 2: 20%\n- Final: 40%", "label": "No"}
+{"text": "Reading a comparison-contrast essay pupil's edition,page 120 overview to identify points of comparison between two topics in a comparison-contrast essay, students must engage in a number of critical thinking skills: but the approach to education in each country cre. The compare/contrast essay: what it is and how to construct one although they have many different names, the two main approaches to a compare/contrast essay are block style and point-by-point style the block approach. The compare/contrast essay is easy and rewarding to teach because: students feel proud of their ability to systematically compare and contrast two subjects two wars, two approaches to solving a math problem may also be useful 2. Compare & contrast two approaches to psychology of these fields the main fields deal with the different approaches used by various psychologists throughout history. Criminologists seek to understand the commission of crime in a given society, attempting to figure out why certain crimes occur, and then to study how these can be prevented, and deterred by individuals the two key approaches i will examine in this assignment is that of the early.\nSimilarities and differences in the approaches to psychology print the difference between the two forms of learning is that as behaviourists believe that behaviour is based on previous experiences in forms of reinforcement and punishment in comparison to psychodynamics who believe. Compare and contrast qualitative and quantitative research 1 when comparing the two forms of research it is apparent that quantitative research uses deductive mathematical models to analyze the hypotheses formed in the study of compare and contrast essay descriptive essay dissertation. To this end, joanne has designed a lesson using compare & contrast based on two primary documents, one from a 17th century puritan family and one about a 19th century industrial family. Compare and contrast the two critical approaches 1 distinguish critical approaches in the critical literary theories handout, four different kinds of critical approaches are presented. Teaching the compare contrast essay once mastered, students feel proud of their ability to systematically compare and contrast two subjects here's an approach to teaching the present simple in esl comparing the themes and characters in two novels. Essays related to compare and contrast two of the five main approaches in psyc 1 therefore, in the following, i will compare and contrast the two approaches to make sure that a comprehensive understanding of them can be achieved.\nCompare, contrast and evaluate three psychological approaches law essay: compare and contrast the use of three different approaches to normative ethics as an aid to ethical decision-making i two approaches to parenting. Psychology is a discipline that involves monitoring mental processes and behaviour scientifically psychologists try to delve into the basic functions of a. Clrc writing center 2/09 writing a compare/contrast essay as always, the instructor and the assignment sheet provide the definitive expectations and requirements for any. Write a great compare-and-contrast essay in 8 easy steps you will continually address the two characters back and forth as you compose the body of your paper for example especially in arguing for why the compare-and-contrast approach you have selected is valid 7. Sample essay of point-to-point approach in comparison and contrast essay comparison and contrast are two thing that go hand in hand sample essay of point-to-point approach in comparison and contrast essay title: compare and contrast malaysia and singapore malaysia and sin.\nCompare and contrast essay for a compare and contrast essay, the writer looks at two things and the ways in which they are similar and different. This is a classic compare and contrast essay which could serve as a model for others the author has provided a great deal of useful information on the behaviorist and psychoanalytic areas of study. Compare and contrast essay is often used to explain the similarities and differences of two the alternating pattern of comparison is an approach that presents the details of both subjects howto_compare_contrastpages. Theme 1: the first theme is used to either compare or contrast the two subjects theme 2: the second theme is used to either compare or contrasts the two subjects. Looking for interesting compare and contrast essay topics these 140 fresh compare and contrast topics will wow your teacher 140 compare and contrast essay topics wednesday, april 5 two approaches to parenting.\nRead this essay on compare and contrast two theories of motivation is a fundamental psychological approach where the management process of inducing employee's behaviour compare/contrast two theories name university professor course date.", "label": "No"}
+{"text": "The history of Africa begins with the emergence of hominids, archaic humans and—at least 200,000 years ago—anatomically modern humans . The brain later grew in size, and H. erectus eventually developed a more complex stone tool technology called the Acheulean. Pos\n10 Oct 2018 Amongst others, the application of pressure flaking to shape stone tools [1,2], use of heat treatment to alter rock Location of Bushman Rock Shelter (Limpopo Province, South Africa) and other MSA sites with occupations assigned to the Pietersburg .\n24 May 2017 Ochre is found at numerous Middle Stone Age (MSA) sites and plays a key role in early modern human archaeology. Here we analyse the largest known East African MSA ochre assemblage, comprising 40 kg of ochre, found at Porc-Epic Cave, Ethiopia, Both\nconstruction business in Africa. The Building Trades Directory also gives you all the construction news of Africa. Product Details: jaw crusher, cone crusher, impact crusher, mobile crushing plant, stone crushing plant,. View Profile Inquire.\nSchneider Electric, spécialiste mondial en gestion de l'énergie et en automatisation présent dans plus de 100 pays, propose des solutions énergétiques intégrées pour de nombreux secteurs d'activités.\ncrusher valentini leon 1500 youtube Feb 11, 2013 · CRUSHER VALENTINI LEON 1500 IN ACTION WITH CARRARO TRACTOR FOR 90/100 HP TRACTORS The stone crusher Series LEON of the company VALENTINI has been designed fo.\nfabricant de matériel dalimentation de minerai de chromebroyeur de roche afrique. HOT Matériel. LM-Séries Verticale Moulin. Type: Primary Crusher Stone Crushing Plant in Dushanbe,Tajikistan. Capacity: 350-400t/h Input size:800mm.\nAFFAIRE. quipement: Y3S23G93E46Y55B Lieu dutilisation: Mafikeng, Afrique du Sud Heure dutilisation: Depuis Juin 2013 Taille des produits finaux: 0-5mm, 5-13mm, 13-20mm ou 0-40mm Matriel trait: Dchets de diamante Capacit: 30-50tph\n6 Aug 2019 Thomas BREUGNOT, Director of IOTA West Africa and Joseph HALB, Business Manager, went to meet their clients and consultants in Conveyors and crushers are machines designed to break large rocks into small stones.\n30 Aug 2017 The Archaeological Potential of Grinding-Stone Studies in Africa with Reference to Contemporary Grinding . remains may be due to the crushing of endocarps with grinding-stones to produce palm oil (D'Andrea et al. 2006).\ncrusher,stone crusher. Accueil · Produits · À propos de nous · Contactez-nous. machines à cribler les mines en afrique. Concasseur à mâchoires de type européen. Broyeur à cône hydraulique HPT. Concasseur à impact européen\n1 janv. 2019- Cette épingle a été découverte par Gafoure. Découvrez vos propres épingles sur Pinterest et enregistrez-les.\nDepuis 1987, GSMC entreprise grâce à des efforts continus pour obtenir plus de 100 brevets et de la technologie autorisée, R & D et la production de broyeurs, fraisage exportés vers plus de 160 pays et régions, beaucoup de reconnaissance\n24 Aug 2006 In sub-Saharan Africa, more than one in four children below age 14 works, and some are not even paid. Other stone-crushers complain of broken fingers, impaired vision or a “heavy chest,” an early sign of silicosis, but\n10 Aug 2019 Members of the South African Lesbian, Gay, Bisexual and Transgender and Intersex (LGBTI) community at the seemed inevitable, but I've found that victories like this one are often followed by crushing disappointments.\n19 Oct 2018 The murder weapon: Two-foot, 82lb rock used to smash South African student to death as she was held down Hannah Cornelius, 21, was raped and murdered in Stellenbosch, South Africa, after Emma Stone looks chic in plunging blue as onscreen si\nAround 70 percent of Africa's cassava output is harvested in Nigeria, the Congo and Tanzania (IFAD and FAO, 2000). by putting it in a basket, covering it with leaves and placing a heavy object such as stone on top of it for three to five days.\nMets 240 tph crusher details; tph mobile stone cone crusher karnataka. required power details for Miningtph . Details For 200 Tph Crusher crusher sbm mobile crusher south africa equipment needed for clay mining south africain south africa\nDewatering Solutions Coal Mining Afrique dewatering solutions coal mining africa. appin mine dewatering new stone crusher plant in birbhum. mining machine plant in birbhum district. mining machine plant in birbhum district portable rock\n15 Jul 2019 She and her boyfriend, music producer “Stone Luckshine,” are calling for a speedy hearing at the Monrovia City Court. Liberia's entertainment setting appears to be one of the most challenged in Africa, and observers say it\ncrushing nuts with the spheroid held in his hand. This article even led Raymond Dart,. Professor of Anatomy at Witwatersrand University in Johannesburg, to propose that there was a. 'round stone ball' culture during the Southern African stone\nVoir plus d'idées sur le thème Robe africaine, Mode africaine et Robe en pagne africain. Voir plus. 2019 Latest ankara styles gown with stone for beautiful ladies - DeZango FacebookTwitterWhatsAppAddThis Model Robe Pagne", "label": "No"}
+{"text": "describe the three parts of a dna nucleotide\nBest Results From Yahoo Answers\nFrom Yahoo Answers\nAnswers:the three parts are: (1) a nitrogenous base known as purine (adenine (A) and guanine (G)) or pyrimidine (cytosine (C) and thymine (T)); (2) a sugar, deoxyribose; and (3) a phosphate group for base-pairing, adine and guanine always come together as a pair and cytosine and thymine come together AG and CT not sure about who they got hints from to dicover double-helical structure.\nAnswers:A 'DNA nucleotide' is made up of three molecules bonded together. A phosphate molecule, a sugar called deoxyribose, and a nitrogen base. The nitrogen base could be adenine, thymine, guanine or cytosine. The nitrogen base is what connects to its pair in the broken DNA chain during replication with a hydrogen bond.\nAnswers:A nucleotide consists of a Phosphate group, a Pentose Sugar and a Nitrogenous base, the Phosphate is bonded to the sugar and the base is also connected to the sugar.", "label": "No"}
+{"text": "Why do children throughout the ages love hide and seek? I propose that there are a number of reasons that both hiding and seeking are thrilling for children. First, children hide because they want to know that they can go out and explore. They want to know that they can be fine on their own. They want a sense of autonomy. However, soon after the child feels the joys of exploring, he gets lonely and so he wants to be reassured that his friend wants to find him. This is life affirming. To be pursued is to be loved. The joy of being found is the joy of being alive and feeling cared for. This is the second reason why this game is so popular.\nThird, the game of hide and seek brings together children and adults into the sandbox of play. There is a shared mission to alternate exploring and being discovered. The moments of suspense, when one person looks for another adds to the tension which then leads to the excitement of coming together. Fourth, hide and seek reassures children that people in relationships can separate and they can come back together. This dance between separation and reunification is endlessly reassuring because it reminds the child that separations can be temporary and therefore sustainable. Further, it reinforces the tremendous joy in the reunion since there is always fear that coming together will not happen.\nThe game Peek-a-boo is a an infant version of hide and seek. In the game, the older player hides his face, pops back into the baby's view and says-to the baby's amusement-Peekaboo! I see you! Since the infant does not have object permanence, meaning that in a literal way, the infant's brain processes information such that out of sight means out of mind, when the older player covers his face, then the baby believes the player has gone away. The joy in seeing the face return comes from the relief that the separation ended. Turning the anxiety of separation into a game of joy is a form of mastery. In other words, instead of the baby crying when the adult leaves the room, the baby is now laughing because despite his fears, the adult has reappeared. Peek-a-boo is played over and over again. The repetition is comforting.\nWe have to cope with separations throughout life. Hide and seek gives the child practice at independence and it gives the child joy in reunification. This game helps a child conquer his fear of autonomy and separation. It is fun to master fear. A game which gives a child a platform to feel powerful endures through time.", "label": "No"}
+{"text": "What does the term \"viral\" make you think of first: internet fame, or a crippling illness?\nAlthough both connotations of the word \"viral\" bring to mind the concept of catching on quickly, only one type of \"virality\" is universally desirable to marketers and product designers alike.\nVirality refers to how something is able to catch on. Sometimes, it's a wintertime cold spreading rapidly throughout an open-office setting. But other times, it's when a new product, app, tool, or piece of content hits the internet and takes off, to the point where hundreds, thousands, and millions of people are aware of and using it.\nVirality isn't something that just randomly happens, though. It's a growth strategy backed in mathematical models that marketers and product designers can experiment with to grow visitors, users, and eventually, customers.\nSo read the rest of this post (and keep taking your Vitamin C supplement) to make sure you understand how to achieve the right kind of virality -- and how other companies have done it, too.\n\"Virality\" can be defined as the likelihood of something being shared and spread widely among different users, readers, or customers online. Some examples of things that can go viral are blog posts, websites, apps, games, or products.\nIn the context of this blog post, we'll be referring primarily to product virality, which refers to users and customers generating new users and customers of a product by either inviting new users in their network to get more value from the product or by sharing and evangelizing a product to grow awareness within their network.\nC(0) * k = # of customers at end of time period\nThe product virality formula is calculated by multiplying the number of customers at the beginning of a time period by the viral k coefficient, which measures the conversion rate of new customers invited by existing customers to start using a product.\nThe formula for calculating viral growth is centered around the viral coefficient, also referred to as the k coefficient, that measures the number of new customers or users each existing customer can successfully convert.\n(It's important to note that the k coefficient harkens back to this term's roots in viral diseases: The biological version of the k coefficient would refer to how many other people to which one could reasonably expect a sick patient to spread the virus. Yuck.)\nC(0) = the number of customers at the beginning of the time period you're measuring\ni = the number of invitations each customer shares\nc = the percent conversion rate of each invitation\nk = the number of new customers each existing customer can convert (i * c)\nThe k coefficient must be greater than 1 in order to achieve true \"virality.\"\nSo, in order to determine the degree to which your product can go viral during a given time period, you multiply the number of customers at the beginning of the time period by the k coefficient to determine how many customers you'll have at the end of the time period.\nNext, let's dig into the ways companies can achieve product virality. To learn more about calculating and measuring virality, you can use David Skok's excellent downloadable spreadsheet to play around with the inputs and track your own k coefficient.\n5 Methods of Achieving Product Virality\nPull Product Virality\nThis occurs when product virality is achieved by users or customers spreading awareness of the product within their network. Instagram was an example of pull product virality when it launched with a feature to cross-post images on Facebook and Twitter. Their friends didn't need to be Instagram users to see the images, but it spread awareness of the photo editing and filtering app.\n1. Word-of-Mouth Virality\nWord-of-mouth virality is what a lot of people first think of when they hear about something \"going viral:\" It occurs when a product is so good, fun, or interesting that people can't stop telling their friends and colleagues about it, to the point where they start using it, too.\nA long time ago, Google was the perfect example of word-of-mouth virality: When friends or colleagues asked a question, you could reply with a cheeky \"Google it\" in order to spread the word.\n2. Demonstration Virality\nDemonstration virality occurs when products catch on thanks to users and customers showing them off simply because they liked using them. Instead of telling people about a product, users would show how they used the product -- which usually led to people asking about it and then trying it out for themselves.\nPinterest achieved demonstration virality. Users could share their Pinterest boards with friends (or significant others they were hoping would propose), and, although they didn't need to download Pinterest in order to see the user's board, in many cases, seeing the cool visual app would prompt the friend to download it and create their own board.\n3. Outbreak Virality\nOutbreak virality occurs when a product is so fun, engaging, or interesting to use, that, all of a sudden, it seems like everybody around you is using it, too. Whether the product or app is addicting, fun, or popular, it achieves virality simply because everyone else is doing it.\nAn example of outbreak virality you might remember is Pokémon GO. For a few weeks in 2016, it seemed like everyone around you was playing the viral game on the streets of whatever city you lived in.\nDistribution Product Virality\nThis occurs when product virality is achieved by users or customers inviting people into their network to join in order to gain more value from the product. Facebook was an example of distribution product virality when high school and college students invited their friends to join the social network in order to connect with more people at once.\n4. Infectious/Network Virality\nInfectious virality, which is sometimes known as network virality, is achieved when customers and users invite other people to start using a product because the strength of the product is in its network. In other words, the product becomes more useful the bigger the network is, so users want to invite others to join so they can start getting value from friends and colleagues using it, too.\nA classic example of network virality is Dropbox. When the cloud-based file sharing app was released, the first users had to invite people to join Dropbox. They derived more value from the app by inviting members of their personal and professional networks to join -- people whom they wanted to quickly and easily share files with, but they needed to sign up for Dropbox to do so.\n5. Incentive Virality\nIncentive virality is similar to word-of-mouth virality, but with one crucial difference -- the incentive.\nIncentive virality occurs when users or customers are incentivized to refer their friends. Whether the incentive is a discount, a gift card, money, or storage space, users have a great reason to get more people using the product or app. In some cases, the incentive goes both ways, and both the referrer and the new user get a benefit.\nLyft uses incentive virality to inspire riders to refer their friends. Each rider gets a personalized link they can share with people, and, when it's redeemed, both the referrer and the new rider get a free Lyft ride.\nIt's important to note that, although \"viral marketing\" is a term that's used a lot, virality isn't something you can create with marketing alone.\nVirality needs to be built into your product from the start so it becomes easy to share and evangelize. You have to build your product in a way that allows it to achieve viral growth. This blog post won't get into the weeds of product development, but this fantastic article by Viral Loops gives you a few places to start when you start designing and shipping.\nHow 6 Companies Achieved Product Virality\n\"More so than ever, instant gratification is critical to a product's success,\" explains Joe Thomas, Founder and CEO of Loom, a browser and screen recording video tool. \"Your product must deliver value -- whether artificial or real -- that activates a dopamine release in the person using it. This has to happen the first time they use your product. The later you delay this gratification, the more drop-off you'll have.\"\n\"From there, the sharing has to feel organic to your product experience. Incentivized referrals are fine in the early days, but realize that those will only get you so far.\"\nLoom's golden ticket is \"having users create or find content worth sharing on [our] platform.\" Then, Loom makes sharing easy by providing a \"Copy Link\" CTA so users can quickly and easily start recording and sharing with their team. \"Your users will know which platform they want to go to share videos,\" Thomas explains. \"Don't try to over-engineer the experience too early. Just make it dead simple [for them].\"\nBy building a product that capitalized on motions people were already trying to execute on and improve in workplace settings (effective communication), Loom was able to immediately provide value for users that inspired massive, viral growth in a short period time as others started using the tool they saw their friends and coworkers trying out.\nProduct Virality Methods Used: Outbreak Virality; Infectious Virality\nRyan Urban, Co-founder and CEO of BounceX, a marketing cloud company that first created exit intent modules (like the one that might have popped up on this blog post), explains that there are two types of virality tactics: manufactured hacks and authentic virality.\nHe believes that the best, most authentic virality tactic is creating the best product out there among its competitors so it's not really a choice for customers which product to sign up for -- because one option is by far better than others.\n\"BounceX created exit intent modules,\" Urban explains. \"All of the other overlays on the market sucked, so we decided to make a better one. We're an enterprise company, so we knew we'd only have a few hundred clients, but those clients would have a ton of traffic. We knew we had a great product out there that was different and better than the competitors.\"\nBounceX tried a lot of different virality tactics -- some worked, and some didn't. But according to Urban, their greatest successes were achieved by taking inspiration from some of the most viral products of all time -- such as Hotmail and, later, Gmail.\nSo BounceX put a simple \"Powered by BounceX\" message in the bottom left-hand corner of its exit intent modules on client websites. \"The message was only text, and it didn't even include our logo or a link back to our site,\" says Urban. \"It wasn't supposed to be a CTA, and it gave people the opportunity opt out if they wanted. But on the flip-side, the message created utility for viewers who wanted to add these modules to their own site, and they would proceed to Google our brand to learn more.\"\n\"We did a virality hack in a tasteful and organic way,\" says Urban. \"It wasn't about click-through rates -- the experiment made new users find us organically.\"\nProduct Virality Methods Used: Outbreak Virality; Demonstration Virality\nI spoke to Gregg, the CEO of Wordable, a tool that allows you to instantly export Google Docs into WordPress, who warns against leaning too hard into the obvious to achieve product virality:\n\"Since our core customer base writes for a living, there's an obvious opportunity to spread virally by leveraging our customers and their audiences as a growth opportunity,\" he says.\n\"However, we didn't want to just insert an 'I saved several hours exporting this article from Google Docs to WordPress with Wordable' link at the bottom of every post. Rather, we wanted to create an opportunity for users to opt-in and take advantage of our free Wordable program.\"\nWordable offered free Google Docs to WordPress exports in exchange for blog post mentions, links at the bottom of blog posts, and email blasts that promoted the tool. As he explains, \"the ask was pretty natural, and since our customers are mainly content marketers, it was easy for them to drop a mention (and get free software). And it was effective for us, because they already had an audience who are would-be customers.\"\nProduct Virality Methods Used: Incentive Virality\nRyan Farley, Co-Founder and CMO of Lawnstarter, a lawn-mowing booking app, warns against businesses trying to replicate the same exact product virality as other companies that achieved, in his words, \"true virality.\"\n\"Most businesses will never actually be viral in the sense of PayPal, LinkedIn, or Dropbox, where users invite other users in a direct way, and do it frequently enough to be meaningful,\" Farley says. \"For example, a database software could ask you to invite your friends, but nobody would buy a $300K database license as the result of a simple referral.\nLawn care is the same way. Just because you send someone a link, doesn't mean they are looking for lawn care then and there.\"\nSo, instead of trying to replicate the same success of other tools that are more unique or proprietary, LawnStarter took another tactic: by trying to \"hack\" viral awareness.\n\"It's important to take a step back from prioritizing direct conversion and think about how virality can increase traction in the awareness or consideration phrases. I like to think of Jonah Berger's virality principle of 'Make private behavior public.' One tactic we've done is taking pictures of people's lawns, making them look prettier via Photoshop, and adding a watermark for customers to share on social media.\nDo these images convert? No. But they let people's friends know we exist.\"\nAnother strategy LawnStarter used to achieve awareness virality was something that -- seemingly -- had nothing to do with lawn care at all.\n\"Many lawn care companies put yard signs in front of homes, which serves to make private behavior public. However, we always found it tacky. So rather, we offered certain customers Little Free Libraries, which create visibility in target neighborhoods, as well as a story that neighbors want to share with one another, while mentioning our brand name.\"\nProduct Virality Methods Used: Word-of-Mouth Virality; Demonstration Virality\nI asked Fletcher Richman, Co-Founder and CEO of BubbleIQ, a customer support integration tool, about the product virality strategies his team employed.\nIn the beginning, BubbleIQ started with providing simple, straightforward incentives to kickstart user growth. \"We created a simple typeform and offered our customers a free pair of AirPods if they referred a customer that signed up. We got referrals from more than 10% of our customers and are now building that more deeply into our product.\"\nBut the team also made sure to build virality loops into the BubbleIQ product. \"When B2B companies have shared Slack channels with their customers, they use BubbleIQ to make tickets in those Slack channels. If one of our customers has 20 Slack channels, each of those is an opportunity for another company to see our product in action, which has led to many new customers. \"\nProduct Virality Methods Used: Incentive Virality; Demonstration Virality\nI asked former and current HubSpot colleagues about product virality strategies they used to build some of HubSpot's freemium tools.\nI asked Brian Balfour, who led growth for HubSpot's Sales product (previously known as Sidekick), how his team worked to achieve virality.\n\"During the first two years, virality accounted for about 40% of our new users,\" explained Balfour. \"There were two primary viral loops. The first was an incentivized loop, wherein the free tier of the product gave you a certain number of notifications and access to features. Once you hit your limit, you could either upgrade (and pay), or invite other people to give and get free months of the unlimited premium version of the product.\nMost people think about money for incentivized loops, but there are multiple types of incentives. We break all of these down in the Reforge Growth Series, but some examples would be financial, features, content, social, etc. In this case, we positioned the incentive as getting more of something they already understood and wanted (notifications and premium features).\"\nThe second viral loop? Word-of-mouth virality.\n\"There was a hypothesis among the team that our product was actually anti-word of mouth because our primary users (sales professionals) saw the tool as a competitive advantage over their peers,\" says Balfour. \"After talking to a lot of users, we found this was only partly true. Most sales professionals are very close with a few others on the sales team that they would share things with.\nSo, the key lesson here was two-fold. First, for something to spread, a user doesn't need to tell their entire network. They can tell a few people and, if the conversion rate of those few people is high, then the viral loop still works.\nSecond, we leaned into the \"secret weapon\" messaging -- instead of fighting it -- to encourage sales reps to spread the tool. It's always better to double-down on the psychology behind the organic behavior, rather than trying to convince them of something different.\"\nMy colleague David Khim works in growth marketing for HubSpot's freemium products, and he uses a few guiding principles when trying to capitalize on virality to grow our free user base.\n\"As a B2B company, we have two users to think about: Our customer: the person that's using our product to grow their business, and our customer's customer: the person our customer communicates with and who engages with our products to connect with our customer,\" says Khim.\nThe team makes sure to prioritize customer success over HubSpot's own success when trying to grow product virality. \"For example,\" Khim says, \"If adding a well-designed viral loop to forms created by free users would generate more signups, but decrease the conversion rate of a customer's form, we won't do it. Instead, we test and measure outcomes before committing to adding viral within the product.\"\nWe don't want to slap on \"Powered by HubSpot\" links all over the product. Instead, \"we want to be cautious about how much branding we add and be aware of how intrusive viral links may be.\"\nTactically, Khim uses a few strategies to guide product virality experimentation.\nAdditionally, we've found that improving the signup completion rate has a bigger impact on the k coefficient than improving any other number. So we doubled-down on improving the sign-up experience, instead of trying to experiment more widely.\"\nKhim also tries to avoid getting too stuck on the numbers.\n\"Virality isn't just about optimizing for clicks,\" he explains. \"The other side of virality is thinking about optimizing the user's experience of your product. Give people such a good experience that they want to click on the viral link to learn more and sign up for your product. Virality requires both quantitative and qualitative thinking.\"\nProduct Virality Methods Used: Incentive Virality; Word-of-Mouth Virality; Outbreak Virality\nTo learn more, read everything you need to know about viral freemium products next.\nOriginally published Aug 6, 2018 7:00:00 AM, updated August 06 2018", "label": "No"}
+{"text": "The benefits of schooling demand frequent communication between students and teachers. As a result of the COVID-19 pandemic, more than 1. 2 billion kids have been impacted by school closures. As an outcome, vast amounts of kids – most in advanced countries – are transferring towards some distance learning, restricting contact between teachers and students. Governments, as well as school systems, are advertising a myriad of ways for families and students. These include online or not online learning platforms, digital material accessible via mobile phones or computers, virtual tutoring, video clip conferencing equipment, and learning software.\nThis quick move to concerns is raised by online Lido Learning. The first question most policymakers & educators ask is about equity plus how to bridge the electronic divide. Nevertheless, a second, along with just as significant concerns, is around kid security online as many children and families join the electronic space for the first time. There are thoughts like, the risks are known by “do families and benefits connected with online learning? What safeguards can be set in place to keep kids safe?”\nWhile some families might be conscious of digital online and literacy kid safety concepts, nearly all are not. In most developing countries where families might be allowing kids online for at first chance, they need to advertise kid security online, and electronic literacy skills are vital.\nOnline platforms are essential tools for communication and education. While there could be risks, the profits of digital literacy and online learning are central and numerous to the improvement of 21st-century abilities. UNICEF defines electronic literacy as the expertise, skills, and perceptions which enable kids to be both secure and empowered in a progressively digital world.\nThe advantages of online learning during COVID 19 and the utilization of online os, mobile products, and chats have allowed schools and teachers to keep in touch with kids and continue learning and instruction. This call is helping preserve learning and also student well-being. Teachers who are in a position to connect with students virtually may also provide mental support, inquire about their student’s security, when possible, and refer services to children and families in need. By being connected via mobile applications or even discovering platforms, teachers keep training front and center. Multiple investigations centered on families in adversity have found that when kids are from school for lengthy periods, their risk of not going back to school increases. Being connected helps families prioritize discovering despite school closures.", "label": "No"}
+{"text": "- Home /\n- Dover Thrift Editions: FOUR GREAT TRAGEDIES : Hamlet, Macbeth, Othello, Romeo and Juliet\nDetailsAmong the most studied, most read, and most admired works in world literature, the tragedies of Shakespeare constitute a body of work unrivaled in dramatic brilliance, beauty of language, and profundity of thought.This convenient and affordable volume--ideal for students and all lovers of literature--features four of the playwright's greatest works:Hamlet, the revenge drama centering on the introspective Prince of Denmark--one of literature's most discussed and contentious characters, and the role that every actor longs to play;Macbeth, otherwise known as \"The Scottish Play,\" concerning a nobleman's overweening ambition;Othello, in which a gallant soldier and loving husband is undone by jealousy; andRomeo and Juliet, the timeless tale of the young lovers whose names are synonymous with star-crossed romance.ABOUT THE AUTHOR: \"He was not of an age, but for all time,\" declared Ben Jonson of his contemporary William Shakespeare (15641616). Jonson's praise is especially prescient, since at the turn of the 17th century Shakespeare was but one of many popular London playwrights and none of his dramas were printed in his lifetime. The reason so many of his works survive is because two of his actor friends, with the assistance of Jonson, assembled and published the First Folio edition of 1623.\nSKU Code PRK B 3303 Weight in Kg 0.1300 Brand Bookwomb Dispatch Period in Days 3 ISBN No. 9780486440835 Author Name WILLIAM SHAKESPEARE Publisher Name DOVER PUBLICATION", "label": "No"}
+{"text": "•Look for classic titles, prize winners eg Smarties Prize, dinosaurs, space, princesses, monsters/aliens are all extremely popular.\n- Check internet for a good price\n- Collect books at school fairs, car boot sales , charity shops etc\n- Non-fiction books: check it is suitable for the age group\nSOME BASIC MATERIALS YOU WILL NEED:\n- Fabric to make cloth sacks. Not pale colours, medium weight. Yacht hook, cord\n- A4 paper\n- Clear sticky back plastic\n- Storysacks Library stamp, with school address on it too.\n- Laminator, laminating pouches A4\n- File cards\n- Small and large white stickers\n- The story and non fiction book and game must be suitable for the age group.\n- Carefully read the story, picking out the most important themes and characters. Decide which characters need to be in the storysack, whether there needs to be scenery, props or dressing up clothes, what kind of game is suitable, are if there any other activities which would enhance understanding (eg. measuring, recipes) and what kind of non fiction /information book would be suitable.\n- The storysack and it’s game should not have too many items, they will be lost more easily and it takes ages counting it all!\n- Don’t make the storysack big, heavy or bulky. It needs to be carried to and from school.\nSTORY CHARACTERS (also PROPS, DRESSING UP CLOTHES)\n- These could be lollystick puppets, handpuppets, soft toys.\n- They can be sourced from charity shops, school fairs, car boot sales, Ebay, Amazon.\n- Some characters may need to be made specially by adapting dolls, knitting (surprisingly durable) or sewing puppets or dolls.\n- Lollystick puppets can be made by scanning characters from the book or drawing them, and laminating them before applying the lolly stick.\n- Dressing up clothes and props can be sourced in the same way.\n- Make sure the story characters/toys, props etc are safe and robust enough for years of use by young children and families – people will not be careful with them!\n- They should be suitable for the age group.\n- Can be found second hand but may not be complete.\n- Lotto and snap type games are relatively easy to make, board games may take a bit more work.\n- Interesting games can be found online.\n- DO NOT choose games that need batteries.\n- Do not choose games with lots of pieces.\n- Choose games which are strong and the pieces can be copied and replicated when they get lost!\n- Read the story carefully and study the illustrations, before devising the questions.\n- Devise questions to help parents talk about the story with the child. These could be about words, general meaning, things you can see in the illustrations like historical detail or counting.\n- Suggest further activities, such as artwork, outings and investigations.\nAdding Storysacks to the library\n- Choose somewhere with good light (Infants staff room is good) make image as close up as possible.\n- For PHOTOBLURB use contrasting colour back ground fabric arrange items to look exciting and make sure everything is standing up etc. Don’t need to put in plastic folders, parent prompt\n- For PHOTO INVENTORY arrange in rows for easier checking, include plastic folders, Parent Prompt etc\n- Once downloaded decide on trimming the photo and making any artwork adjustments.\n- Use a recent PHOTOBLURB document as a template or: Make a ‘document’ with the Storysack’s title at the top, insert photo of the Storysack contents, then write a short piece about the story ‘the blurb’ on the back of the book is useful for this or find reviews online. Print out. Stamp the back with STORYSACKS STAMP.\n- Laminate PHOTOBLURB.\nMAKE PHOTO INVENTORY\n- Use a recent PHOTO INVENTORY as a template or: make new ‘document’; insert photo; write directly underneath ‘Not suitable for children under 36 months’. Drop down 3 lines and write Storysack Contents, underneath write ‘story title’ – storybook,\n- under that ‘non-fictionbook title’ – non-fictionbook, under that write the character toys, dressing up, etc, underneath write GAME and write contents of the game in brackets. etc,\n- Next write Myatt Garden Primary school, address , tel number etc. Lastly write (in different colour) ‘This Storysack was made by Myatt Garden parents (or purchased by PTA …etc) in 2013 (insert correct year).\n- Print out. Fold PHOTOINVENTORY in half, trim sides leaving 1cm above the photo/text,\n- Laminate. Then use a hole punch to make holes in the top.\n- Sew into the side seam inside of the Storysack using holes.\nMAKE INVENTORY PAGE\n- Use a recent INVENTORY PAGE as a template; or make a new document; write Storysack title across the top with the month and year; line underneath; Storysack book title – ISBN number – publisher; next line Non fiction book title – ISBN number – publisher; line; Storysack contents listed , quantity etc; line; Game contents listed; line; parent prompt, guide for parents.\n- Print out INVENTORY PAGE. Slide into a plastic page pocket, put into the INVENTORY FILE in the correct place.\n- Write out new card file for the new storysack and put it the CARD FILE BOX\n- Stamp the books with the MYATT GARDEN STORYS STAMP inside the front and back covers.\n- Inside cover or title page of the NON-FICTION BOOK write in large capital letters the title of the Storysack it comes from and underline.\n- Cover the books in clear sticky back plastic\n- Scan or photocopy contents. (These can be kept on file on computer or printed out and put in GAMES FILE)\n- Sticker, write or stamp “Storysacks Library” on each piece, box and instructions.\n- With marker pen write out the contents inside the box or on flap.", "label": "No"}
+{"text": "The American Revolution’s Best-Kept Secret\nOn December 18, 1775, General George Washington wrote a letter to John Hancock, warning the Continental Congress that the British were stockpiling weapons and gunpowder in St. Augustine, East Florida. In his letter, Washington was sounding an alarm, as he feared that the British were preparing to reclaim the southern colonies by invading Georgia and South Carolina with an army from East Florida – a colony wholly loyal to King George III. And Washington was correct! The role played by British St. Augustine in the American War of Independence is Florida’s most unique story in its 500-year history – perhaps the most unique story of the American Revolution.", "label": "No"}
+{"text": "Most of us alive today are familiar with vaccines. In the US where I live most of us have been vaccinated for major diseases such as whooping cough, Hepatitis A, measles, mumps, rubella, tetanus, diphtheria; the list goes on. However, due to our developed infrastructure and relative ease of access to medical care many of us have never worried about obtaining life-saving vaccines for our children or ourselves. This alone has contributed to some of the most startling gains in public health ever witnessed.\nIn other parts of the world this is a very different story. Less infrastructure and fewer opportunities for medical care has made vaccinating large segments of the human population extremely difficult with serious consequences for those who are not vaccinated.\nOne major hurdle in the race to vaccinate the majority of people on this planets is the maintenance of cold-chains for vaccine delivery.\nPolio is a disease that has seemed to fade away in the United States since the introduction of the polio vaccine in 1955. However, this disease is alive and well outside of the US despite a strong push by international agencies such as the WHO to eradicate polio in the last few decades. In fact, in 1988 the WHO pledged to eradicate polio by 2000, but this dream has yet to reach reality.\nWhy is the eradication of polio less successful than the effort to eradicate Smallpox, a goal achieved in the 1970’s?", "label": "No"}
+{"text": "If you do not know Notepad in Windows 10 then this article will help you know about its features and how you can get help from it.\nLearn to open Notepad in Windows 10\n- Before understanding the uses of Notepad, it is essential to know where it is located in Windows 10. Here is the simplest way to find Notepad\n- In Windows 10 – Move to Cortana and hunt for “Notepad.”\n- Done, you need to double click it, and it will appear on the screen.\nUses of Notepad\nNotepad Works great on XML Files\nNotepad works great with XML files. It lets you create & edit the XML docs faster and simply.\nThe Notepad is an excellent tool available in Windows 10 which helps display the XML data structure graphically presented in the form of a tree structure.\nThe interface has two panes\n- One for structure\n- Second for value\nYou also get the feature to include attributes, text, elements, comments to the XML docs by making the tree structure on the left -hand side pane and feed in the values to the text boxes adjacent to the right pane.\nCreating, opening and saving text files becomes more comfortable with Notepad\nWhen you decide to use Notepad, you get the options displayed in the File menu like\n- Save As\n- Page Setup\nYou can view the keyboard shortcuts alongside for faster action\nRemember, the files will be saved with the extension .txt in Notepad Plain text\nTurn ON Word Wrap in Notepad\nNotepad, as a default setting comes with Word Wrap option turned OFF. It means the content you type will fit in a single long line until you hit enter.\nGoing to the Format menu will have two options-\nWord Wrap & Font\nYou get the choice of hitting enter while the text you typed gets the correct margin in the Notepad window. But, it will elongate the lines. To view simultaneously what you sorted without having to scroll altogether to the right, turn ON the Word Wrap option.", "label": "No"}
+{"text": "One's relatives or ancestors; family\nA relation, typically by blood; sometimes used to refer to relations by marriage or adoption.\nPeople of a specified group or kind:\nAny of the similar units, as a group of clans, of a primitive tribe\nRelatives; family; kin; kindred\nA person's family, relatives, or ancestors:\nAn assemblage of persons or objects gathered or located together; an aggregation:\nA national or ethnic group, esp. of immigrants from some other country\n(Biology) A colony or community of organisms, usually of the same species:\nA group viewed as forming a distinct segment of society:\nHumans considered as a group.\nAny of the 12 divisions of ancient Israel.\n(Biol.) A group of similar organisms living in the same region, esp. organisms of the same species\nThe state of being confederated.\nA community established by the members of a particular religious or social group\nThe government of a sovereign state.\nThe poorest class of working people.\npeople in general (often used in the plural)\nState is defined as a territory with its own government and borders within a larger country.\nFind another word for folks. In this page you can discover 25 synonyms, antonyms, idiomatic expressions, and related words for folks, like: people, relatives, parents, relations, kin, family, folk, phratries, kinfolks, families and peoples.", "label": "No"}
+{"text": "Det Norske Veritas presented findings of a study in Copenhagen today that shows that shipping can cut its emissions by 30 percent by 2030. The results were presented onboard the Viking Lady, the world’s first commercial ship with a fuel cell adapted to marine use installed onboard, while docked in Copenhagen. The good news, according to Tor Svensen COO of DNV: the scenario implies a zero-cost for the industry.\n“What we have here is a model that looks at the potential of a range of reduction measures; from more efficient voyage execution to speed reduction and the employment of fuel cells on board the ships. The results are quite encouraging; if the shipping industry starts acting now and applies the available cost-efficient technologies, emissions can be reduced considerably. Without additional costs incurred. By doing this we can go a long way in meeting some of the tough requirements already set. Also those currently being debated in Copenhagen,” Svensen said in a prepared statement.\nEven higher emission reduction at incremental costs\nThe study looks at ships from all market segments, both from the existing fleet and newbuildings projected to be built in the years to come. The results show that shipping, compared to a projected baseline (where no measures are applied) of 1,530 million tons of CO2, could cut emissions by 30 percent by 2030 at zero-cost . This equals a reduction in emissions of 500 million tons of CO2. The study also shows that the emission reduction potential would increase to 50 percent if all identified measures costing up to $100 per ton of CO2 were implemented.\nRegulations and tighter enforcement still needed\nThe study suggests that where emission reduction and sound economic rationale pull in the same direction, widespread implementation of cost-effective measures will come over time. Enforcement through regulatory means could, however, be necessary where the economic pull is weaker. “While there is no silver bullet which could make it all happen, the aggregated effect of all measures are significant and will ensure an industry that operates in a more energy efficient manner and also takes its share of the common responsibility of reducing carbon emissions,” Svensen said.", "label": "No"}
+{"text": "It’s amazing to consider how many decisions we make every day. From deciding how to brew our morning cup of coffee to planning a lunch outing with our co-workers, all of these choices add up to make a big difference in how we structure our day. When things get busy with work and family, it is easy to go for the quick and convenient when it comes to preparing our meals. These selections, while efficient, may not always be the best option for our overall health and wellness. When we take a step back to consider what we put in our mouths each day, we are taking the first step towards better nutrition.\nThe 36 Blue Cross and Blue Shield companies are united in a collective mission to empower and invest in communities to help people learn to make healthier choices about food. Initiatives range from providing families with educational programming to improving access to the healthy food Americans need most to power them through each day.\nIn Arizona, Blue Cross and Blue Shield of Arizona (BCBSAZ) recognizes that inspiring a culture of health and wellness for young girls is an important part of building a healthy state. Through its Nourishing Arizona initiative, BCBSAZ began collaborating with the Girl Scouts-Arizona Cactus-Pine Council to launch the “All About Healthy Living” patch. This special patch is designed to empower girls to connect and take action while setting a solid foundation for years to come by teaching the five important aspects of wellness, including fitness, community, friendship, future and general health. This one-of-a-kind program is the most comprehensive, community-centric patch a Girl Scout can earn and is available to all local Girl Scouts — from Daisies to Ambassadors.\nIn Western New York, childhood obesity rates are 12 percent higher than the national average and climbing. In an effort to curb this trend, BlueCross BlueShield of Western New York (BCBSWNY) introduced the Healthy Zone Program, a curriculum-based program that gives teachers resources to incorporate fun, interactive ways to learn and share healthy habits into their lesson plans. Among the resources is the Healthy Zone Activity Kit, an interactive kit filled with healthy lifestyle-inspired tools—from nutrition charts to fitness dice, jump ropes and super-sized teeth for brushing—as examples of healthy living the children incorporate into their family routines. In addition, five students from each of the 36 schools participated in the Healthy Zone Game Show, a 30-minute interactive trivia show, in front of an audience of their peers. The show offers an engaging and informative way for students to square-up to test their health and wellness knowledge and discover that staying healthy can be fun.\nIn Mississippi, the Blue Cross & Blue Shield of Mississippi Foundation is working to build a healthy state by providing targeted funding throughout the area to promote change for the better. Annually, the Foundation identifies and rewards public K-12 schools that have made the most strides in creating healthy school environments and cultures with the Healthy School Awards Program. The goal of these awards is to motivate schools as they work to implement and maintain health policies and programs that promote healthy eating, exercise, staff wellness and tobacco-free lifestyles among students and staff with parental and community involvement. Whether it’s promoting hands-on learning through caring for the school’s garden or teaching students how to prepare healthy snacks using fresh produce from the garden to take home and share with their families, each individual represents a step towards developing a healthy school culture. Once schools are sorted into three categories based on the size of their student population, one school from each category is recognized for its inspiring work and receives a $25,000 grant from the BCBSMS Foundation to further the school’s health and wellness efforts. One school overall is named the “Healthiest School in Mississippi” and is awarded a grant of $50,000 from the BCBSMS Foundation for their exemplary efforts to put community health and wellness first.", "label": "No"}
+{"text": "Not getting enough sleep can lead to short-term euphoria, possibly leading to poor decision-making and risky behavior, according to researchers from the University of California, Berkeley, and Harvard Medical School.\nThe study revealed that the pleasure circuitry in the brains of volunteers got a jump-start after a missed night’s sleep. However, that same neural pathway that triggers euphoria as well as feelings of reward and motivation may also lead to chancy behavior.\n“When functioning correctly, the brain finds the sweet spot on the mood spectrum. But the sleep-deprived brain will swing to both extremes, neither of which is optimal for making wise decisions,” said Dr. Matthew Walker, lead author and associate professor of psychology and neuroscience at UC Berkeley.\nThe findings emphasize the need for people in critical professions and circumstances not to skip out on sleep, said Walker.\n“We need to ensure that people making high-stakes decisions, from medical professionals to airline pilots to new parents, get enough sleep,” Walker said. “Based on this evidence, I’d be concerned by an emergency room doctor who’s been up for 20 hours straight making rational decisions about my health.”\nPrevious studies have shown that sleep patterns are disrupted in individuals suffering from mood disorders. Typically, the sleeping body alternates between two main phases during the night: Rapid Eye Movement (REM), when body and brain activity promote dreams, and Non-Rapid Eye Movement (NREM), when the brain and muscles rest.\nIn an effort to understand why so many people with clinical depression tend to feel better after a sleepless night (at least temporarily), scientists used functional magnetic resonance imaging (fMRI)to observe the brains of 27 young adults; half got a good night’s sleep and the other half had none.\nVolunteers looked at various images, including pleasant scenes (such as bunnies or ice cream sundaes), and then rated the pictures as either neutral or positive. Across the board, those who had pulled an all-nighter gave more positive scores for all the images while the well-rested volunteers gave more moderate ratings.\nIn addition, brain scans of the sleepless individuals revealed stronger activity in the mesolimbic pathway, a brain circuit driven by dopamine, a neurotransmitter associated with positive feelings, motivation, addiction, cravings, sex drive and decision-making.\nWhile having a short-term boost in dopamine levels may seem like a good thing, this phenomenon can be dangerous if people are making impulsive decisions because they’re feeling overly optimistic, the study suggests.\nThe results add to prior research by Walker and his team that show how sleep deprivation shuts down the brain’s key decision-making regions, particularly the prefrontal cortex, while triggering more primal mechanisms such as the fight-or-flight reflex in the amygdala.\n“After a good night’s sleep, the frontal lobe regions are strongly connected to the dopamine reward regions, but that’s not the case after a night of no sleep,” Walker said.\nAccording to Walker, sleep deprivation is not a viable solution for those with clinical depression. “The elastic band of sleep deprivation can only be stretched so far before it breaks,” he said.\nThe study is published in the Journal of Neuroscience.\nSource: University of California", "label": "No"}
+{"text": "International River Basin Organizations in Sub-Saharan Africa\nRandolph A. Andersen Colin A Lyle Robert Rangeley Bocar M. Thiam\nPrice: $ 22\nWorld Bank Technical Paper 250.\nAssesses the successes and shortcomings of river basin organizations in order to help international organizations improve the management of shared water resources in the region.\nOn the African continent, where all countries have shared rivers and 35 out of 41 countries share 17 major river basins, it has become increasingly important to have international collaboration for controlling surface water resources. This report reviews the role of river basin organizations (RBOs), whose mandate is to develop formulas for the equitable sharing of waters and then ensure the implementation of the policies.\nThese organizations promote, through international cooperation, both studies and the construction of works that will lead to integrated, economically and environmentally sustainable, and technically sound development of the water resources of a river basin. The successes and shortcomings of the RBOs are assessed with the aim of assisting the World Bank and other international organizations in their pursuit of an effective role in helping Sub- Saharan African countries improve their management of shared water resources.\nDirectory of World Bank Books\nA | B | C | D | E | F | G | H | I | J | K | L | M | N | O | P | Q | R | S | T | U | V | W | X | Y | Z |\nHave you read this title? If so, Contribute a comment", "label": "No"}
+{"text": "For many people, urinary tract infection is best recognized as UTI. Urinary tract infection is considered to be any kind of bacterial infection located in any organ of the urinary tract. If infection is observed and originates in the urinary system, this is called UTI. One of the essential things to do during the early phase of UTI is to detect the urinary tract infection symptoms. Infiltration of bacterial infection is best prevented through early detection so that the kidneys will not be affected. In order to stay away from severe effects, it is essential to prevent UTI from infecting the kidneys. When UTI symptoms are observed, the person affected must seek medical care immediately. Apart from the many cause of UTI, pregnancy, diabetes and regular usage of antibiotics are some of the usual causes. The female gender is more vulnerable to urinary tract infection than the male gender. If you find it difficult to urinate and there is a painful sensation which goes along with, most likely, you are experiencing UTI symptoms considered to be extremely significant. Among the UTI symptoms which arises once infection has advanced is blood found usually in the urine. Grown persons generally encounter UTI symptoms including foul smelling urine when they have uti. The presence of low-grade fever is also included in the list of UTI symptoms which will tell you that the infection is getting critical. In order to avoid the UTI symptoms from getting severe, they should be treated at once so that infection will not affect the kidneys. Significant symptoms of urinary tract infection or UTI include pain in the abdomen which is severe together with vomiting.\nYoung people are also very susceptible to urinary tract infection. Kids are susceptible to UTI since their urge to urinate is usually restrained especially if they are playing. Grown persons and kids share the same plight when it comes to UTI symptoms observed during the period of urinary tract infection. Physicians would often prescribe antibiotics as UTI treatment. An effective way for the treatment and relief of the symptoms caused by UTI is the use of antibiotics for UTI. UTI symptoms should be detected at once so that adverse effects will be avoided. In order to avoid further infection, it is best that UTI treatment should be started as soon as possible. If a person suffers UTI repeatedly, his doctor may advise him to use antibiotics for a long period of time. One home remedy for urinary tract infection which is considered to be effective is the use of apple cider vinegar. Those who are affected with urinary tract infection can utilize baking soda as an effective home treatment. The symptoms of urinary tract infection which can be detected early are controlled effectively with the use of baking soda. Drinking plenty of fruit juice is an effective and inexpensive remedy for urinary tract infection which can be found at home. In order to avoid possible UTI, people are advised to consume sufficient amounts of water regularly. Individuals who usually wear loose fitting clothes are not very susceptible to urinary tract infection.\nDid you liked reading this useful content? I am sure that you’re searching for some other fantastic reading resources. Reading is another good past time and in addition it makes somebody smarter. We employ exceptional writers whenever we create articles and reviews for online websites. You can point your current browser in what is sodium ascorbate if you happen to want to browse several supplemental posts. If you happen to visit that blog, you will see that the content is very beneficial. Our writers are incredibly experienced in creating content articles that discusses any topic. High-quality educational content pieces will need a huge amount of effort and time. The particular sample short article that we composed had taken several hours just to make them. The material presented on that website is needless to say liked by internet subscribers. Even professional people will like to read through the interesting article that we have created. We maintain a staff of writers whose interest is to produce superior quality articles or reviews. Our staff of blog writers can exclusively write article content for your webpage.", "label": "No"}
+{"text": "Welcome to St. Mary’s Historic Site on Paca Street!\nMother Seton House • Historic Seminary Chapel • Visitor Center\nIn 1791, at the invitation of Bishop John Carroll, the Sulpician Fathers arrived in the City of Baltimore and settled on this very site to begin the first Roman Catholic Seminary in the United States. Bishop Carroll knew of the Sulpician Fathers’ unique ministry of priestly formation from their ministry in France, and thus he invited them to come to his young diocese in the United States to do their ministry of priestly formation in this new land. The seminary, founded in 1791, was initially located in a building on the southeast corner of the property known as the One Mile Tavern. With the help of Bishop John Carroll and others, the Sulpicians were able to purchase additional property adjoining the One Mile Tavern and build St. Mary’s College and Seminary.\nThe only remaining structure of the seminary is the Historic Chapel. The building of the chapel began in 1806 and was completed and dedicated in 1808. The chapel was designed by the renowned French architect Maximilian Godefroy, who himself was a friend of Benjamin Latrobe, often referred to as the Father of American Architecture. The chapel attracts architectural students as well as pilgrims to the site.\nThe other historic building located on the site is the of home of Elizabeth Ann Bayley Seton. In 1975, Mother Seton, as she is commonly known, became the first U.S.-born canonized saint within the Catholic Church. Mother Seton, a wife, mother, widow, convert, educator, and finally saint, offers a wonderful example of all that we can be with the grace of God. Mother Seton arrived at the Paca Street home the day of the dedication of the Seminary Chapel in 1808. She came to Baltimore at the invitation of Sulpician Father Louis W. DuBourg, who was then president of St. Mary’s College & Seminary. She, her three daughters, and several other girls called the Paca Street house their home for only one year, 1808 to 1809. During that year, she befriended a student at St. Mary’s named Samuel Cooper. Mr. Cooper, a man of resources, gave Elizabeth Bayley Seton eight thousand dollars with which she purchased St. Joseph’s Valley in Emmitsburg, Maryland.\nIn 1809 she left her humble roots on Paca Street and began her 3-day journey to Emmitsburg. While in Emmitsburg, once again under the tutelage of the Sulpician Fathers, Mother Seton began her new ministry of Catholic education. It was Sulpician Father Dubois who welcomed her to Emmitsburg and helped her become established in her new home. Her relocation to Emmitsburg was eased by the fact that the Sulpician Fathers were present as neighbors to her at Mount St. Mary’s College and Seminary, founded by the Sulpician Fathers in 1808. This institution and the presence of the Sulpician Fathers, gave great support and solace to the young widow and her dreams of founding a religious congregation and establishing a school for girls in Emmitsburg.\nClergy and Religious Please Note:\nLetters of Suitability\nIn light of the provisions of canon 903 CIC and canon 703 §1 CCEO, and the USCCB Dallas Charter (2002), Letters of Suitability are required in advance by all clergy, deacons, and religious when performing ministerial duties at St. Mary’s Spiritual Center & Historic Site, Inc., 600 N. Paca Street, Baltimore, MD 21201.\nPlease direct all letters to:\nDeacon Vito S. Piazza, Sr., Director\nSt. Mary’s Spiritual Center & Historic Site, Inc.\n600 N. Paca Street\nBaltimore, MD 21201\nSt. Mary’s Spiritual Center & Historic Site\n600 North Paca St.\nBaltimore, MD 21201\nOffice Hours: 8:30 a.m-4:30 p.m.\nPhone: +1 410-728-6464", "label": "No"}
+{"text": "A look at this year's Canada-Wide Science Fair\nEach year, high-school students from every province and territory are selected to attend the Canada-Wide Science Fair (CWSF), Canada’s only national science fair. The event celebrates curious and innovative teens who transform their questions and ideas into projects that tackle some of society’s most significant challenges. $1,000,000 in scholarships and prizes are awarded to those whose projects are deemed worthy of recognition. The 2017 fair, held at the University of Regina, Saskatchewan, included 400 projects developed by 500 students, drawn from more than 25,000 regional fair participants. Entries spanned seven challenges (discovery, energy, environment, health, information, innovation and resources) at three age levels. Learn more about the winners and their standout entries.\nThis year’s Best Project and Senior Platinum Award went to Colette Benko, an eleventh grader from Calgary, Alberta. Her project, Novel Paediatric Cancer Therapy: Targeting Epigenetics to Induce Differentiation, uncovered a new use for an existing drug to treat the deadly childhood cancer, neuroblastoma.\nAt the intermediate level, also from Calgary, tenth grader Crystal Radinski won for EEG Coherence as a Marker for Alzheimer’s Dementia. Her work focused on comparing the brainwaves of healthy people to those of Alzheimer patients to make earlier, more accurate, and less costly diagnoses of the disease.\nAnd finally, the Junior Platinum Award went to Danish Mahmood from London, Ontario. The grade eight student created W.I.N.I.T.S (Wireless Interconnected Non-Invasive Triage System), a low-cost fingertip device able to measure four different vital signs and communicate them over secure Wi-Fi to first responders and hospital staff\nClimate Change Standouts\nClimate change is an underlying theme for many of the projects.. Jack White from Long Reach, New Brunswick studied the spring thaw on the St. John River near his home, finding potential signs of climate change and determining how it has impacted his neighbourhood.\nAlbert Nitu from Ottawa examined eco-friendly electricity production, experimenting with a way to transform the exterior walls of homes into smart electricity generating devices to improve sustainability.\nCharles Wang and Spencer Zezulka from Surrey, British Columbia, used photosynthetic algae rather than commercial glucose to power the bacterial production of ethanol and other fuels. This process, which captures carbon dioxide, could help clean Earth’s atmosphere and produce fuel for stations on Mars. The pair won a bronze medal as well as the Youth Can Innovate award.\nIn 2018, the Intact Foundation hopes to see even more climate change-focused projects as part of its mission to help Canadians to protect themselves against environmental degradation. As a result, the Intact Foundation has invested $100,000 in CWSF, issuing a climate change resilience challenge that kicks off next fall. CWSF 2018 will take place at Carleton University in Ottawa, Ontario.", "label": "No"}
+{"text": "You may consider yourself a generally positive person, or you may be a little bit grumpy. Surprisingly, though, these attitudes may affect how you age. Researchers at North Carolina State University discovered that when adults have a positive attitude toward aging, they tend to be more resilient in stressful situations.\nThe researchers gave a daily questionnaire to participants between ages 60 and 96 for eight days. At first, they asked people questions about their childhood. Then they asked questions about the participants’ general attitudes in their adult lives, such as whether they felt useful or happy. Finally, researchers measured the participants’ responses to stress. They also measured negative emotions like anger, irritability, and fear.\nThe researchers concluded that the participants who had positive attitudes about aging also responded better to stress. They didn’t feel the same big increase in negative emotion that people with negative attitudes did.\nThough these results are interesting on their own, they could have even bigger implications. It suggests that for older people, quality of life is affected by attitude. Other studies have linked stress with physical health risks.\nYour body’s natural stress response is a chemical reaction that increases your heart rate, tightens your muscles, and causes you to breathe quickly.\nOver time, this stress response can have a negative impact on your body. In addition to panic attacks and anxiety, stress can cause depression. You may even have symptoms like headaches, upset stomach, high blood pressure, and chest pain.\nThis resonates with the study, as researchers linked the more extreme emotional responses with increased heart health risks.\nIf you do suffer from stress, know that you’re not alone. Forty-three percent of all adults have negative stress symptoms. It isn’t easy to flip a switch and be positive all the time. However, trying to stay positive can help you reduce and manage stress. Additionally, try to remember that you can’t control everything that happens. Try taking up a relaxing hobby and getting plenty of sleep at night.\nIf stress or fears about aging persist, you may want to talk your doctor about it. Remember, retirement should be a time for relaxation, not stress!", "label": "No"}
+{"text": "Transition words are a “part of speech” used to link words, phrases, or sentences. So, transition words help to build up coherent relationships within the text. In simple words, transition words help to enhance the readability of your content. This post shares with you the transition words list.\nWhat are Transition Words?\nThe goal of any sort of writing (be it academics or professional) is to convey information clearly and concisely. Transition words help you achieve these goals by establishing logical connections between phrases, sentences, paragraphs, and sections of your writing.\nIn simple words, transition words are those words that link words, phrases, and sentences in your content. They prepare your readers for what’s coming up in your text.\nSome examples of transition words are as follows:\n- As well as\n- Above all\n- Last but not least\n- First and foremost\n- It should be noted\n- On the other hand\n- As a matter of fact\n- Even so\nTransition words help your readers to follow what you’re saying. So, transition words are fundamental and invaluable in building for establishing coherent relationships within texts.\nThey impart a greater level of readability to your content. Transition words greatly help your readers to understand how your suggestions and thoughts are connected.\nIt means that transition words are essential for maximizing the SEO potential of your content.\nHere, we give you an example from Yoast SEO to clarify you about Transition words:\n“I pushed the domino. As a result, it fell over.”\nHere, the term “As a result” has been used as transition words. It informs the reader about two things:\n- Firstly, that something has happened (within the sentence) which has caused something\n- Secondly, the second half of this sentence will bring the effect.\nIn the above example, the transition words (“As a result”) have effectively combined two separate sentences into one flowing process. So, it informs the reader what’s about to come next.\nNow, you can easily make out that transition words act as “glue” to hold texts together. They combine individual parts in your content to form one whole.\nIt should be noted that transition words don’t always have to be used at the start of sentences.\nLet’s consider one more example from Yoast SEO:\n“I enjoy his company because he always tells interesting stories.”\nHere, the term ‘because’ has been used as a transition word to link two different sentences.\nIn this age of Search Engine Optimization, websites and blogs are rewarded for their user-friendliness and readability.\nSo, the use of transition words has become very important nowadays. If you use very few transition words and phrases, the chances are that the reader will immediately perform a bounceback.\nIt’s worth pointing out that transition words influence your SEO. They enhance your site’s readability and the quality of your SEO.\nTransition Words List\nTransition words “sew” your paragraphs together.\nThey help you to connect one idea to the next.\nSo, transition words make your writing flow better.\nHere, we have shared the transition words list with you so that you can use them in your writing.\nHowever, a word of caution for you.\nYou should not overuse transition words in your writing. Instead, make use of transition words wherever appropriate to spice up your writing.\nHere, we have put together a list of transition words & phrases. Let’s have a look at them:\n- Above all\n- In summary\n- In the first place\n- In the meantime\n- In this case\n- So then\n- For example\n- For instance\n- Such as\n- As a result\n- As a rule\n- As an example\n- To begin with\n- In addition to\n- To summarize\n- In brief\n- By the way\n- To the left/right\n- Compared to\n- In comparison to\n- Together with\n- In conclusion\n- Over there\n- In particular\n- In short\n- Coupled with\nYou should make sure that transition words fall naturally into your composition to make your writing flow better.\nTransition words tie your thoughts together more cohesively. Here, we have shared some sentences without and with transition words to show you the difference the transitions words make in your writing.\n“Last night, I had a vivid dream I was living in Paris. I went online and booked a trip.”\n“Last night, I had a vivid dream I was living in Paris. As a result, I went online and booked a trip.”\nTransition words: “As a result.”\n“The trip through the desert was long and tiring for the crew. All agreed it was worth it.”\n“The trip through the desert was long and tiring for the crew. Afterward, all agreed it was worth it.”\nTransition word: “Afterward.”\n“Joy couldn’t sleep the night before her big presentation. She needed an extra-large cup of coffee before work.”\n“Joy couldn’t sleep the night before her big presentation. Therefore, she needed an extra-large cup of coffee before work.”\nTransition word: “Therefore.”\n“Joseph decided to stop doing her homework. She failed freshman English.”\n“Joseph decided to stop doing her homework. Consequently, she failed freshman English.”\nTransition word: “Consequently.”\n“John, we’ll be ready to leave for the trip in 15 minutes. Fill up the car with gas, please.”\n“John, we’ll be ready to leave for the trip in 15 minutes. In the meantime, fill up the car with gas, please.”\nTransition words: “In the meantime.”\nSo, you see that you can smooth out rough edges in your writing by using transition words & phrases. However, moderation is key here too. You should use transition words in your writing where your sentences or paragraphs could benefit by using cohesive transition words.\nOne final note for you:\n- A comma mostly follows transition words.\nIt is used to include a brief pause between these words and the connecting idea.\nWell, that’s all we have for you in this post on the Transition Words List. We hope it would have benefited you immensely.\nNow, it’s your turn to use transition words & phrases in your composition so that your writing becomes more cohesive, clear, and meaningful to the reader.", "label": "No"}
+{"text": "Research programme Paul Schulze-Lefert\nI. Structure and functions of the Arabidopsis root microbiota (supported by ERC advanced grant ROOTMICROBIOTA)\nRemarkably little is understood about plant-microbe interactions that are, at first glance, ‘symptomless’. These poorly studied plant microbiomes harbor an unknown reservoir of probiotic and plant protective associations. One gram of soil typically contains ~108 to 1010 bacteria. Microbial DNA fingerprints from plant roots or aerial organs uncover microbial communities thriving on the surface of, or within, healthy plant tissue. Rhizosphere microbiomes attached to, and in the first few millimeters away from, the root surface are distinct from bulk soil, suggesting specific colonization events. Organic carbon flux from roots promotes the growth of microbial decomposers that, in turn, recycle plant nutrients for root uptake by transpiration-driven water fluxes. Seedlings exude 30-40%, and adult plants 20%, of photosynthetically fixed carbon into the rhizosphere in the form of poorly characterized rhizodeposits.\nWe have developed and applied bacterial 16S rRNA gene pyrosequencing to characterize and compare soil and root-inhabiting bacterial communities of Arabidopsis thaliana. We show that roots of Arabidopsis, grown in different natural soils under controlled environmental conditions, are preferentially colonized by Proteobacteria, Bacteroidetes and Actinobacteria, and each bacterial phylum is represented by a dominating class or family. Soil type defines the composition of root-inhabiting bacterial communities and host genotype determines their ribotype profiles to a limited extent. The identification of soil type-specific members within the root-inhabiting assemblies supports our conclusion that these represent soil-derived root endophytes. Surprisingly, plant cell wall features of other tested plant species appear to provide a sufficient cue for the assembly of ~40% of the Arabidopsis bacterial root-inhabiting microbiota, with a bias for Betaproteobacteria. Thus, this root sub-community may not be Arabidopsis-specific but saprophytic bacteria that would naturally be found on any plant root or plant debris in the tested soils. In contrast, colonization of Arabidopsis roots by members of the Actinobacteria depends on additional cues from metabolically active host cells (Bulgarelli et al., Nature 488, 91-95, 2012).\nGarrido-Oter, R., Nakano, R. T., Dombrowski, N., Ma, K.-W., The AgBiome Team, McHardy, A. C. and P. Schulze-Lefert: Modular traits of the Rhizobiales root microbiota and their evolutionary relationship with symbiotic rhizobia. Cell Host & Microbe 24, 155–167 (2018). abstract\nHacquard, S., Spaepen, S., Garrido‐Oter R. and Schulze‐Lefert, P. Interplay between innate immunity and the plant microbiota. Annu. Rev. Phytopathol. 55, 55, doi: 10.1146/annurev-phyto-080516-035623 (2017). abstract\nDombrowski, N., Schlaeppi, K., Agler, M., Hacquard, S., Kemen, E., Garrido Oter, R., Wunder, J., Coupland, G. and Schulze-Lefert, P., Root microbiota dynamics of perennial Arabis alpina are dependent on soil residence time but independent of flowering time. ISME Journal 11, 43–55 (2017). abstract\nZgadzaj#, R., Garrido-Oter#, R., Jensen, D.B., Schulze-Lefert* P. and Radutoiu* S. Root nodule symbiosis in Lotus japonicus drives the establishment of distinctive rhizosphere, root, and nodule bacterial communities. PNAS 113 (49): E7996–E800, DOI: 10.1073/pnas.1616564113 (2016). #joint first authors, *co-corresponding authors abstract\nHacquard, S., Kracher, B., Hiruma, K, Münch,P. C., Garrido-Oter, R. Thon, M. R., Weimann, A., Damm, U., Dallery,J.-F., Hainaut,M., Henrissat, B., Lespinet, O., Sacristán, S., Ver Loren van Themaat,E., Kemen, E., McHardy, A.C., Schulze-Lefert, P.*, O’Connell, R.* Survival trade-offs in plant roots during colonization by closely related beneficial and pathogenic fungi. Nature Communications 7: 11362, doi: 10.1038/ncomms11362 (2016). *Corresponding authors absctract\nHiruma, K., Gerlach, N., Sacristán, S., Nakano, R. T., Hacquard, S., Kracher, B., Neumann, U., Ramírez, D., Bucher, M, O’Connell, R.* and Schulze-Lefert, P.* Root endophyte Colletotrichum tofieldiae confers plant fitness benefits that are phosphate status-dependent. Cell 165, 464-474 (2016), published online 17 March 2016, doi:10.1016/j.cell.2016.02.028. *Corresponding authors\n- This work was featured in: Cell 165, 269-271 (2016) by Louisa M. Liberman and Philip N. Benfey: A Friend in Need (of Nutrients) Is a …\n- This article has been recommended by Faculty 1000:\nBai, Y., Müller, D. B., Srinivas, G., Garrido-Oter, R., Potthoff, E., Rott, M., Dombrowski, N., Münch, P.C., Spaepen, S., Remus-Emsermann, M., Hüttel, B., McHardy, A., Vorholt, J.A., and Schulze-Lefert, P. Functional overlap of the Arabidopsis leaf and root microbiota. Nature 528, 364-369 (2015), doi:10.1038/nature16192.abstract\nHacquard, S., Garrido-Oter, R., González, A., Spaepen, S., Ackermann, G., Lebeis, S., McHardy, A. C., Dangl, J. L., Knight, R., Ley, R., Schulze-Lefert, P. Microbiota and Host Nutrition across Plant and Animal Kingdoms.Cell Host & Microbe 17 603-616 (2015). abstract\nBulgarelli, D., Garrido-Oter, R., Münch, P.C., Weiman, A., Dröge, J., Pan, Y., McHardy, A.C. and Schulze-Lefert, P. (2015) Structure and functions of the bacterial root microbiota in wild and domesticated barley. Cell Host & Microbe 17, 392-404 (2015). abstract\nSchlaeppi, K., Dombrowski, N., Garrido Oter, R., ver Loren van Themaat, E. and Schulze-Lefert, P. (2014) Quantitative divergence of the bacterial root microbiota in Arabidopsis thaliana relatives, PNAS, 111(2), 585-592. abstract\nBulgarelli, D., Schlaeppi, K., Spaepen, S., Ver Loren van Themaat, E. and Schulze-Lefert, P. Structure and Functions of the Bacterial Microbiota of Plants. Annual Review of Plant Biology Vol. 64 (2013). abstract\nBulgarelli, D., Rott, M., Schlaeppi, K., Ver Loren van Themaat, E., Ahmadinejad, N, Assenza, F., Rauf, P., Huettel, B., Reinhardt R., Schmelzer, E., Peplies, J., Gloeckner, F., Amann, R., Eickhorst, T., and Schulze-Lefert P. Revealing structure and assembly cues for Arabidopsis root-inhabiting bacterial microbiota. Nature 488, 91-95 (2012). abstract\nLebeis, S.L., Rott, M., Dangl, J.L.* and Schulze-Lefert, P.*: Culturing a plant microbiome at the cross-Rhodes, New Phytologist 196, 341–344 (2012). abstract\nBisseling, T., Dangl, J. and Schulze-Lefert, P. (2009), Next Generation Communication, Science Editorial, Science 324, p.691, 8 May (2009). abstract\nCurrent and future work\nWe have begun to systematically purify Arabidopsis bacterial endophytes on the basis of the aforementioned culture-independent 16S rRNA gene survey. We also examine presumed probiotic functions of the root microbiota for plant growth using defined bacterial communities under laboratory conditions.\nStijn Spaepen (post-doc), Yang Bai (post-doc), Stéphane Hacquard (post-doc), Rafal Zgadzaj (post-doc), Ryohei Thomas Nakano (post-doc), Masayoshi Hashimoto (post-doc), Ruben Garrido Oter (PhD), Paloma Durán Ballesteros (PhD), Amine Hassani (PhD), Thorsten Thiergart (bioinformatician), Petra Köchner (technical assistant), Simone Remmel (technical assistant), Brigitte Pickel (technical assistant), Wolfgang Schmalenbach (technical assistant).\nII. Non-self perception and signaling by intracellular immune sensors\nOne class of immune receptors, designated NB-LRR proteins, detects isolate-specific pathogen effector molecules inside plant cells. The Mla locus in barley encodes coiled-coil (CC) domain, nucleotide-binding (NB) site, and leucine-rich repeat (LRR)-containing receptor proteins and mediate isolate-specific immunity to the grass powdery mildew fungus (Blumeria graminis f. sp. hordei). Genetic studies identified a large number of allelic variants at the Mla locus each recognizing a cognate race-specific B. graminis effector (AVRA). We have shown that barley MLA partitions between the cytoplasm and nucleus. We have also shown that nucleocytoplasmic partitioning of the receptor results in a bifurcation of MLA‐triggered host cell death and disease resistance signaling in a cell compartment‐dependent manner. MLA-mediated host cell death signaling is initiated in the cytoplasm whereas disease resistance signaling takes place in the nucleus. Recognition of B. graminis AVRA effectors by MLA induces nuclear associations between the receptor and WRKY transcription factors. These WRKY proteins act as repressors of MAMP (also called PAMP-)-triggered basal defense. MLA appears to interfere with the WRKY repressor function in the nucleus, thereby de-repressing MAMP-triggered defense. Collectively, our findings imply a mechanism by which the polymorphic MLA immune receptors integrate distinct pathogen signals and initiate a bifurcated signal transduction cascade. Our structural and biochemical work revealed a CC domain-dependent homodimerization of the immune sensor that is necessary for receptor function. Notably, the CC homodimer module defines a minimal functional unit, which is sufficient to activate host cell death signaling.\nLu, X., Kracher, B., Saur, I.M.-L., Bauer, S., Ellwood, S.R., Wise, R., Yaeno, T., Maekawa, T., and Schulze-Lefert, P.: Allelic barley MLA immune receptors recognize sequence-unrelated avirulence effectors of the powdery mildew pathogen. PNAS 113 (42), E6486–E6495, doi: 10.1073/pnas.1612947113 (2016) abstract\nJacob, F.; Vernaldi, S. and Maekawa, T: Evolution and conservation of plant NLR functions. Frontiers in Immunology 4:297, doi 10.3389/fimmu.2013.00297 (2013). abstract\nBai, S., Liu, J., Chang Ch., Zhang, L., Maekawa, T., Wang, Q., Xiao, W., Liu, Y., Chai, J., Takken, FLW., Schulze-Lefert, P., Shen, QH. (2012) Structure-Function Analysis of Barley NLR immune Receptor MLA10 Reveals Its Cell Compartment Specific Activity in Cell Death and Disease Resistance. PLoS Pathogens 8(6), e1002752\nMaekawa, T., Kracher, B., Vernaldi, S., Ver Loren van Themaat, E. and Schulze-Lefert, P. (2012), Conservation of NLR-triggered immunity across plant lineages. PNAS 49, 20119-20123 (2012). abstract\nMaekawa, T., Cheng, W., Spiridon, LN., Töller, A. Lukasik, E., Saijo, Y., Liu, P.; Shen, Q. Micluta, MA., Somssich, IE., Takken, FL., Petrescu, A.-J., Chai, J. and Schulze-Lefert, P. (2011) Coiled-coil domain-dependent homodimerization of intracellular MLA immune receptors defines a minimal functional module for triggering cell death. Cell Host & Microbe 9, 187-199.\nShen, Q.-H., Saijo Y., Mauch S., Biskup C., Bieri S, Keller B, Seki H., lker B., Somssich I.E., and Schulze-Lefert P. (2007): Nuclear Activity of MLA Immune Receptors Links Isolate-Specific and Basal Disease-Resistance Responses. Science 315: 1098-1103.\nThis work was featured in:\n- Cell 128: 823-824, 2007. Jen Sheen and Ping He: Nuclear Actions in Innate Immune Signaling\n- Science 315: 1088-1089, 2007. Jeff L. Dangl: Nibbling at the Plant Cell Nucleus\nBieri S, Mauch S, Shen Q-H, Peart J, Devoto A, Casais C, Ceron F, Schulze S, Steinbiss H.-H., Shirasu K, and Schulze-Lefert P (2004) RAR1 positively controls steady state levels of barley MLA resistance proteins and enables sufficient MLA6 accumulation for effective resistance. The Plant Cell 16, 3480-3495.\nShen Q.-H., Zhou F., Bieri S., Haizel T., Shirasu K., and Schulze-Lefert P. (2003) Recognition specificity and RAR1/SGT1 dependence in barley Mla disease resistance genes to the powdery mildew fungus. Plant Cell 15: 732-744.\nCurrent and future work\nWe aim at a deep understanding of MLA immune receptor function and evolution. Our recent experiments revealed that MLA is fully functional in Arabidopsis which diverged from barley ~150 My ago, thereby enabling comparative studies on MLA function in the model plant Arabidopsis and the crop barley. We aim to resolve the structure of individual MLA domains and of the full-length receptor in collaboration with the structural biology group of Jijie Chai, Beijing. We explore cytoplasmic and nuclear functions of MLA and wish to understand how this immune sensor reconfigures host transcription upon recognition of powdery mildew effectors in barley and Arabidopsis (in collaboration with Imre Somssich). We will also clarify whether MLA receptors detect AVRA effectors directly or indirectly.\nTakaki Maekawa (Senior scientist), Xunli Lu (post-doc), Isabel Saur (post-doc), Makoto Yoshikawa-Maekawa (post-doc), Barbara Kracher (bioinformatician), Florence Jacob (PhD), Saskia Bauer (PhD), Petra Köchner (technical assistant), Sabine Haigis (Technical assistant).", "label": "No"}
+{"text": "Quantum computing gives us an unprecedented opportunity to begin to solve intrinsic security problems in today’s internet protocols and architecture. With a sprawling internet built on classical computers, it’s practically impossible to rebuild that infrastructure from the ground up. However, attackers keep expanding their activity. The need to fight back has never been so strong, but there will always be a limit to the effectiveness if the underlying protocols have flaws.\nQuantum computing has security advantages that do not exist in classical computing, such as truly random numbers and intrinsic abilities to detect interference. Those capabilities are becoming real today. There are hardware components that harness this power of quantum computing to make our systems more secure.\nJust as exciting, since we are at the beginning of defining conventions and protocols in the quantum world. Though we are still far from full-featured quantum computers or a fully quantum internet, we are at an exciting place as those technologies take clearer shape. We can begin by laying a more secure foundation, improving on the methods that have tried and failed in the classical world. If we think about security now, we can re-architect the quantum internet of the future to be more useful and more secure than ever.\nWhat Is Quantum Computing?\nQuantum computing is a new, faster paradigm for computing. Instead of using traditional binary bits (like typical classical computers do) and electronic logic gates that process those binary bits, quantum computers process data using quantum bits (qubits) and quantum properties of those qubits. This new type of computing has the potential to perform operations up to 100 million times faster than classical computers. This speed is particularly attractive for complex computing problems that involve questions such as factoring, search algorithms, or scientific simulations.\nQuantum computers have been part of the future of computing since a 1980 paper by Paul Benioff that proposed a quantum model for a Turing machine. Since then they have been a fertile ground for research, though many people in the industry have continued to view them as the purview of academic and research computing. It is true that quantum computers are not yet a replacement for all of our classical computers. However, the goal is that quantum computers will be able to replace more functions of classical computers, and be able to do so more energy-efficiently.\nWhat Is the State of Quantum Computing?\nQuantum computers have not yet reached the point of general application and replacement of classical computers. Due to the properties of quantum mechanics, quantum computers need a sterile, supercooled environment to function. Qubits can also be easily disturbed by things as classically innocuous as attempting to observe them.\nEven with these limitations, we are already beginning to see the dawn of practical applications of quantum mechanics in computing. In some specific circumstances, quantum technologies are already coming to market and providing useful results. And, several of these applications tie into making our world even more secure.\nQuantum Random Number Generators (QRNG)\nIn the classical world, we often use pseudorandom number generators for authentication, encryption, and key management. Classical computers have a difficult time extracting truly random numbers, and discerning the patterns behind pseudorandom numbers can lead to the compromise of data encryption built with those non-random numbers.\nHowever, quantum mechanics gives us the ability to generate truly random numbers based on physical processes like light beam scattering or quantum fluctuations in a vacuum. Unlike pseudorandom numbers generated by classical algorithms, these physical processes return truly unpredictable numbers. We are seeing quantum random number generators on the market already. This includes randomness-as-a-service platforms that provide quantum-generated random numbers. There are also QRNG chips on the market, and the Samsung Galaxy Quantum phone has adopted such a chip to strengthen its encryption.\nQuantum Key Distribution (QKD)\nThe properties of quantum mechanics mean that observing or measuring a quantum system actually disrupts the system. Therefore, if an eavesdropper attempts to read a key created and disseminated via Quantum Key Distribution (QKD), the creator and intended recipient will be able to detect that the key has been compromised, meaning quantum properties offer a built-in way to determine whether a key has been transmitted securely enough to use. This requires dedicated equipment and circuits, but is possible in the present day and several companies do offer commercial QKD services.\nQuantum as a Service (QaaS) Platforms\nEven though quantum computers are beyond the reach of many companies and individuals,\nQuantum as a Service (QaaS) platforms allow people to both learn about quantum computing and experiment with designing and running quantum code. Though quantum computers are not widely available, open-source SDKs such as Qiskit allow people to use their classical computers to write code intended to run on quantum computers. Then, they can rent time on a quantum computer via a QaaS platform to run that code on an actual quantum computer.\nQuantum Computing Security Concerns\nAs quantum computing’s practical abilities expand, the question becomes more pressing: what quantum computing security implications must we consider?\nPost-Quantum Safe Cryptography\nOne of the main concerns is cryptography. Quantum computing is an exciting frontier for designing stronger cryptography, but its position on the horizon also raises questions about the security of cryptographic methods currently being used. After all, its more powerful ability to factor large numbers will eventually compromise the integrity of cryptographic algorithms that are currently secure against classical computers.\nNIST is actively working to identify a standard for post-quantum safe cryptography, and some companies are already testing post-quantum algorithms. Whether your company is on the brink of adopting quantum technology or not, you will need to make plans to adopt post-quantum safe cryptography.\nOne of the most exciting parts of quantum computing is its potential as a new paradigm. Commonly adopted protocols, design patterns, languages, and operating system safety features are so common in the classical computing world to seem almost intrinsic, since so many people and companies depend on them to communicate.\nQuantum computing, on the other hand, is still new enough that there are not agreed-upon or default design patterns. It is still at a very low level compared to fully realized classical computing systems, and the classical internet. Quantum computing is not yet at a point where its design patterns are as developed as classical ones. There are not yet full quantum analogues to packet structures, communication protocols, or even things as classically low-level as the operating system safety features that lie at its interaction with hardware. In the classical world, attackers look to these places as fertile grounds for attack. As quantum computing capabilities grow, attackers will begin to look to these places in quantum systems, as well.\nAs technology allows quantum computing to extend to more real-world problems, those who are creating and implementing that technology need to keep in mind the security shortcomings from the world of classical computing. Taking care to ask tough security questions now can lead to a stronger, more secure future in quantum computing.\nSome quantum devices are already beginning to improve the state of security. QRNG chips are improving random number creation for cryptography, and QKD systems are providing a key distribution option with built-in detection of snooping and tampering. However, vulnerabilities are already being discovered in QKD implementations. This underscores the fact that even with the exciting security possibilities of quantum computing technologies, we must think about the architecture and implementation of these technologies.\nFuture Benefits of Quantum Computing for Security\nEven in the classical world, security teams are having an increasingly difficult time tracking the security landscape. New vulnerabilities are coming out every day. And, it is not just a question of new instances of familiar vulnerabilities. As technology changes, new categories of vulnerabilities arise, and the learning curve for security professionals gets ever steeper.\nOne of the most exciting things about quantum computing is its ability to process more data more quickly than classical computers, while using less energy. As quantum computing capabilities increase, security teams can put this to good use. Quantum data processing technologies have the exciting possibility to help security teams make sense of massive amounts of security data more quickly than ever, and could make quantum computers an important tool to help keep pace with the sprawling threat landscape.\nThe possibility of more securely designed protocols in a quantum future is an exciting one for security teams in the future, too. With the possibility of improving upon classical protocols and software design patterns in the quantum world, well designed quantum computing could help put systems and networks on a more secure footing than classical ones. This is both an exciting possibility for quantum computing, and an exciting reason for security researchers to get involved in research and design from the ground level of quantum computing.\nPrepare for a Quantum Future\nAs your company evolves, emerging technologies can give you a competitive advantage. However, as you adopt them, you need the expertise and confidence to make sure you are embracing them securely. This is the case with quantum computing.\nThough it has exciting applications, and its power and speed make it a great fit to work alongside other emerging technologies like AI, Blockchain, 5G, Internet of Things, and cloud computing, it is unwise to jump in without thinking about quantum computing security. Thinking about that now, while quantum computing is still young, can both make sure you are implementing technologies in the safest way possible, and help make sure that your influence on this still-young technology is positive.\nWhen choosing an emerging technology security partner, it matters to work with a partner with a proven history of both researching and securing new technologies. Kroll has a long history of software and enterprise security, at the forefront of research into emerging technologies. Our Emerging Technology practice brings that experience to your business, helping you adopt, implement, and secure what will keep you ahead of the competition.", "label": "No"}
+{"text": "This standard explains the use of hi-visibility fabrics and retroreflective materials. It specifies the chromaticity levels to which fabrics need to be dyed in terms of performance and atmospheric pressures in order to comply safety standards. Natural fibre garments have a lower chromaticity level due to the nature of the fabric. However, only when a polyester garment is deemed a risk to the wearer in certain applications, should cotton or wool be worn in its place.\nClass F = Daytime fluorescent\nClass R = Retroreflective material\nClass RF = Retroreflective and fluorescent\nClass NF = High daytime visibility NON Fluorescent\nThis standard refers to how a garment is constructed using fabrics compliant to 1906.4 above.\nThere has to be over 0.2m2 of unbroken fluoro fabric on both the front and back of a garment in the upper torso (not including the sleeves). The fluoro must not be broken with non fluoro fabric within the 0.2m2 area on both the front and back from the top of the shoulders to the waist and MUST encircle the body up to that measurement, so no full side panels up to armpit level are permitted. This standard also explains the position of the retroreflective tapes on the garment and the width and quantity used. These tapes should not detract from the 0.2m2 measurement required.\nThis standard refers to the capability of a fabric to protect skin against solar ultra violet radiation (known as UPF = ultra violet protection factor). This standard is an additional bonus to the garment rather than an essential requirement for hi-visibility standards but often specified from specific industry users.", "label": "No"}
+{"text": "The Science and Ethics of Data for Good’s New Frontier\nCombining data from multiple sources can yield the multi-dimensional insights that policy challenges really require. Here’s a look at the changemakers shaping this new frontier of Data for Good.\nAs we’ve seen in previous posts, a single donation of data can reveal an entire dimension of a public health or development challenge that’s never before been seen. If data donated from just one source can open a whole new angle for public policy, imagine the kind of big picture understanding researchers could piece together with data from multiple sources—or even from multiple sectors. That’s the promise of combining data from a variety of private and public organizations. “In general, data combining has an incredible upside potential,” says Claudia Perlich, Chief Scientist at Dstillery and adjunct at NYU’s Stern School of Business where she teaches a course on data mining. As an example, Perlich cites how, taken separately, education records and medical data might each tell one story, but together can reveal how attendance issues are actually the result of a pressing issue in public health. “The more complete picture you have, the better your chances are of adequately interacting with people,” Perlich said.\nTo see how big a difference this can make, look no further than the pioneering work of UN Global Pulse, a flagship innovation initiative of the United Nations Secretary-General. Dedicated to yielding new, comprehensive insights into human risks and resilience in the face of on global challenges, UN Global Pulse has led projects like combining official statistics with social media data to show correlations with spikes of food and fuel prices. Now, as part of its Data for Climate Action Challenge, UN Global Pulse is calling on private companies in the finance, energy and communications sectors to donate anonymized, aggregated data sets that can be used for analysis in projects that seek to understand how people are adapting to climate change. By combining data from different sectors and geographies, it is possible to gain a better understanding of how people see risk and evaluate economic opportunities, which, in turn, can aid in developing better-targeted solutions for local contexts in the face of climate change.\nYet the potential of data combining to offer a comprehensive, multi-dimensional view on an issue also presents a risk: exposing individuals to identification, even when their data have been anonymized by the organizations donating them. To understand why, think of the old game Guess Who?: One identifying characteristic might not narrow the field very much, but each detail narrows the likelihood of who it might be. Except, of course, real-world privacy is no game—it’s a deeply serious matter that requires rigorous safeguards to ensure that we can maximize data’s potential for good while also maintaining legal and privacy standards.\nAs a leader in this new frontier of Data for Good, UN Global Pulse is joining with private sector and social sector partners to actively shape an ethical and practical roadmap for navigating such challenges. That’s essential to the evolution of Data for Good as a field, says Mila Romanoff, Legal & Data Privacy Specialist at UN Global Pulse. “A lack of clarity about why, when and how to share big data responsibly can hold back use of the data for justifiable purposes—such as long-term research that could lead to positive economic or social improvements or in emergency situations where use of anonymized metadata could potentially save lives.”\nAs Robert Kirkpatrick, UN Global Pulse, Director once commented in an interview with SciDev.Net, “Legal frameworks are barely able to keep pace with technology.” In that vacuum, companies and organizations often develop their own practices, and fixes are developed ad hoc. Romanoff stresses the importance of “communities of practice” in a field so new that the landscape is highly fragmented. That’s why progress begins by bringing together diverse representatives— from privacy and legal officers to data engineers and policymakers—as UN Global Pulse does with its multi-disciplinary Data Privacy Advisory Group and regular events such as last month’s workshop on data security and privacy.\nBringing together UN agencies, nonprofits, academics and the private sector, this workshop offered an opportunity to help shape principles to guide the field, with discussions that parsed the differences between data privacy and protection and the meaning of user consent. Discussing the event’s importance, Romanoff commented: “Nuanced ideas and values are rightfully being raised by researchers, innovators. We hope that this type of dialogue will help inform organizational guidelines and data security practices and, eventually, regulatory discourse.”\nConsider this a call to arms to engage.", "label": "No"}
+{"text": "Download This Sample\nThis sample is exclusively for KidsKonnect members!\nTo download this worksheet, click the button below to signup for free (it only takes a minute) and you'll be brought right back to this page to start the download!\nSign Me Up\nChocolate is a food made from the seeds of a cacao tree. It is used in many desserts like pudding, cakes, candy, and ice cream. It can be a solid form like a candy bar or it can be in a liquid form like hot chocolate.\nSee the fact file below for more information about chocolate or alternatively you can download our comprehensive worksheet pack to utilise within the classroom or home environment.\n- Chocolate grows on the tropical tree called the Theobroma cacao, or simply, “cacao.” Theobroma is Greek for “food of the gods.”\n- Cacao is native to Central and South America, but it is grown commercially throughout the tropics.\n- About 70% of the world’s cacao is grown in Africa.\n- A cacao tree can produce close to two thousand pods per year.\n- The cacao pod is shaped like a football and grows straight out from the branches.\n- The pods, which mature throughout the year, encase a sticky white pulp and about 30 or 40 seeds. These seeds are very bitter.\n- After the beans are picked they are allowed to ferment and dry. These can take several weeks. After they are dried, they are sent to the factory where they are made into chocolate.\n- Once the beans are at the factory they are cleaned, sorted and weighed. Every manufacturer knows exactly which beans make which kind of chocolate. Sometimes it takes 12 different kinds of beans to make a certain kind of chocolate.\n- The process of making a chocolate bar can sometimes take a week once the cacao beans have reached the manufacturer because there are so many steps involved in the process.\n- Cacao, the stuff that chocolate is made from, is quite good for you. It is a powerful antioxidant. However, chocolate also includes sugar which isn’t so good for you. It’s important to find chocolate that has a high cacao content.\nThis bundle contains 11 ready-to-use Chocolate Worksheets that are perfect for students who want to learn more about Chocolate which is a food made from the seeds of a cacao tree. It is used in many desserts like pudding, cakes, candy, and ice cream. It can be a solid form like a candy bar or it can be in a liquid form like hot chocolate.\nDownload includes the following worksheets:\n- Chocolate Facts\n- The Chocolate Tree\n- Match the Kinds of Chocolate\n- Yummy Treats\n- Chocolate Comes to Mind\n- Chocolate Brand Search\n- Chocolate Fill in the Blanks Scramble\n- Chocolate Poem\n- How to Make Chocolate\n- Decode the Choco-code\n- Love, Chocolate\nLink/cite this page\nIf you reference any of the content on this page on your own website, please use the code below to cite this page as the original source.\nLink will appear as Chocolate Facts & Worksheets: https://kidskonnect.com - KidsKonnect, October 23, 2017\nUse With Any Curriculum\nThese worksheets have been specifically designed for use with any international curriculum. You can use these worksheets as-is, or edit them using Google Slides to make them more specific to your own student ability levels and curriculum standards.", "label": "No"}
+{"text": "By Kim Primicerio\nMost businesses and organizations recognize the importance of diversity in the workforce and deem it crucial to success, but without proper training, problems can arise.\nGrace Guo, associate professor of management and MBA academic faculty director, came to these conclusions after conducting research in 2014 with Akram Al Ariss from the Université de Toulouse in France. In their published work, Job Allocations As Cultural Sorting in a Culturally Diverse Organizational Context, they explore the challenges and issues associated with managing a culturally diverse workforce. They interviewed 50 employees who worked in managerial positions in the United Arab Emirates (UAE), some of whom were native to the region and others who were international employees with roots all over the globe. The research was published in International Business Review in 2016.\nWhen employees move to a new country to work, they’re typically there for about two years, Guo explained. However, she said, when these employees begin working abroad, there’s typically no support or training.\n“People have problems adjusting. They don’t feel embedded and they don’t feel like they’re adapting well. They’re in culture shock. There’s no training for the employees who have been there or for the new people. If there’s no training, certain culture cues are ignored and not understood. People can’t assume diversity breeds creativity and innovation without proper management strategy,” Guo said.\nThrough the 50 interviews, Guo realized that, while organizations saw the value in a diverse workforce, they did not manage it well. Neither UAE employees or international workers going there received training to better understand each other’s cultures or strengths and weaknesses. Instead, she said, employers made decisions based on stereotypes and allocated jobs based on where international employees were from.\n“Certain job positions were, in practice, only available to employees of a certain nationality or cultural background. For example, Americans were perceived to be suitable working in sales roles and generally assigned to work in top management teams; the French were perceived to be most effective working in hospitality management and the fashion industry; Indians were perceived to be good at working in media; and Arab employees were largely influenced by commonly shared stereotypes of comparative advantages of international employees’ home countries in certain industries or specialties,” the study reported.\n“Organizations can’t afford to use culture stereotypes,” Guo said. “They have to know the talent in all their employees and what they can bring and contribute.” Otherwise, she said, international employees begin to feel left out and not respected. Training must take place on both sides so employees can recognize differences, she added.\nGuo’s passion for this research stems from her own experience as an international worker. Born in China, she came to the United States when she was 21 years old for her master’s degree in business administration. She studied at Oklahoma State University and, while she said she was fortunate and didn’t face discrimination, she still had to deal with cultural differences and struggles. She later received her doctorate at the University of Massachusetts Amherst and then worked at Merrimack College before coming to SHU in 2010. She teaches freshmen, seniors and graduate students.\n“This is so close to my heart,” Guo said of her research. “Without proper management, talent gets wasted—it’s a downhill, vicious cycle.”\nThe Jack Welch College of Business is highly diverse, and faculty works together to ensure everyone’s skills are utilized, Guo said. The University and College integrate everyone’s knowledge and ensure professors are teaching in their skill area, she added, noting that the same measures must be followed in other diverse workplaces.\nBesides training, another way to help international and native employees feel welcomed is to invite everyone to discussions. “Are there monthly forums inviting people to join in on conversations? Different people bring different knowledge, but if you don’t reach out to them and invite them to a discussion, you’re never going to know,” Guo said. Employees from the UAE expressed a desire to learn about their peers and wanted the opportunity to talk about their cultures, but no such opportunities came about, she related.\nGuo will continue her research with trips this summer to California and China to conduct more interviews, with the belief that spotlighting the need for training will only enhance companies, make employees feel welcome and allow for success.", "label": "No"}
+{"text": "Backup generators are essential equipment for homeowners and businesses alike, providing a reliable source of power during power outages or other emergencies. However, like any machine, they require regular maintenance to ensure they operate efficiently and last for many years. Here are some tips on how to properly maintain them for longevity and efficiency.\n– Read the Owner’s Manual\nThe first and most important step in maintaining your backup generator is to read the owner’s manual thoroughly. The manual will provide you with all the necessary information on how to operate and maintain it, including the recommended maintenance schedule, the type of fuel to use, and troubleshooting tips.\n– Regularly Check and Change the Oil\nJust like any other engine, your backup generator needs clean oil to run smoothly. You should check the oil level at least once a week and change it after the first 25 hours of use, and every 100 hours thereafter. Be sure to use the recommended oil type and grade specified in the owner’s manual.\n– Replace the Air Filter\nThe air filter in your generator is responsible for keeping dirt and debris from entering the engine. Over time, the air filter can become clogged, reducing the efficiency of the generator. You should check and replace the air filter every six months, or more frequently if it is used in a dusty environment.\n– Inspect the Spark Plug\nThe spark plug is responsible for igniting the fuel in the engine. If the spark plug is dirty or damaged, the generator may not start or may run poorly. You should inspect the spark plug every six months and replace it if it shows signs of wear or damage.\n– Keep the Fuel Tank Clean\nContaminated fuel can cause serious damage to your generator’s engine. To prevent this, you should keep the fuel tank clean and avoid using old or stale fuel. If it is not used for an extended period, you should drain the fuel tank and refill it with fresh fuel before use.\n– Test the Battery\nMany backup generators have a battery that is used to start the engine. You should test the battery every six months and replace it if it is not holding a charge or shows signs of damage.\n– Clean the Generator\nDirt and debris can accumulate on the generator over time, reducing its efficiency and lifespan. You should clean it regularly using a soft brush or cloth. Be sure to avoid using water or harsh chemicals, which can damage the generator.\n– Run the Generator Regularly\nA backup generator is designed to be used occasionally, but it still needs to be run regularly to keep its components lubricated and prevent them from seizing up. You should run it at least once a month for 30 minutes, or as recommended by the manufacturer.\n– Store the Generator Properly\nIf you need to store your generator for an extended period, you should take some precautions to prevent damage. Drain the fuel tank and carburetor, disconnect the battery, and store it in a cool, dry place.\nIn conclusion, a backup generator is a valuable investment that can provide peace of mind during power outages or other emergencies. However, proper maintenance is essential to ensure it operates efficiently and lasts for many years. By following these tips, you can keep it in top condition and ready to use when you need it.", "label": "No"}
+{"text": "- Does heating kill botulism?\n- What percent of honey has botulism?\n- Does pasteurized honey contain botulism?\n- Does cooking kill botulism?\n- Can you see botulism?\n- How do you know if honey has botulism?\n- Can bacteria grow in honey?\n- What foods can cause botulism?\n- Does vinegar kill botulism?\n- What is the white stuff on top of honey?\n- Can you survive botulism?\n- Can raw honey have botulism?\n- Does cooking kill botulism in honey?\n- Is raw honey unsafe?\n- Can raw honey go bad?\n- Why do adults not get botulism from honey?\n- Can honey kill a baby?\n- Can you inhale botulism?\nDoes heating kill botulism?\nDespite its extreme potency, botulinum toxin is easily destroyed.\nHeating to an internal temperature of 85°C for at least 5 minutes will decontaminate affected food or drink..\nWhat percent of honey has botulism?\nAccording to microbiologic testing, up to 25 percent of honey products have been found to contain spores. 11 A history of honey consumption is seen in 15 percent of the botulism cases reported to the CDC.\nDoes pasteurized honey contain botulism?\nHow is it caused? Infant botulism is caused by Clostridium botulinum spores, which are sometimes found in both pasteurized and unpasteurized honey. When an infant ingests honey, bacteria from these spores can grow and produce toxins that could lead to paralysis.\nDoes cooking kill botulism?\nThe toxin that Clostridium botulinum produces is among the most deadly food toxin known. Fortunately, heat destroys the toxin and cooking is the best way to control botulism.\nCan you see botulism?\nYou cannot see, smell, or taste botulinum toxin – but taking even a small taste of food containing this toxin can be deadly. Click on the following tips for details on how to protect yourself and the people you feed. When it doubt, throw it out!\nHow do you know if honey has botulism?\nSigns that you may have botulism include: trouble speaking or swallowing. dry mouth. facial drooping and weakness.\nCan bacteria grow in honey?\nMost bacteria and other microbes cannot grow or reproduce in honey i.e. they are dormant and this is due to antibacterial activity of honey. … It is only the spore forming microorganisms that can survive in honey at low temperature.\nWhat foods can cause botulism?\nThe source of foodborne botulism is often home-canned foods that are low in acid, such as fruits, vegetables and fish. However, the disease has also occurred from spicy peppers (chiles), foil-wrapped baked potatoes and oil infused with garlic.\nDoes vinegar kill botulism?\nThe spores that cause botulism will not germinate in a strongly acid environment. … Low Acid foods can be made safe for Water Bath Canning if they are pickled (that is, made much more acidic) with the addition of strongly acid things like Vinegar, Lemon Juice, Citric Acid or (in the case of fermentation) Lactic Acid.\nWhat is the white stuff on top of honey?\nWhat you’re looking at is ‘honey foam,’ which is a result of the tiny air bubbles in the honey escaping to the top. This is due to air bubbles trapped in the honey during processing and packaging. When the packaged honey rests, the air bubbles work their way up to the top of the container, creating the foam.\nCan you survive botulism?\nAlthough botulism can cause severe and prolonged symptoms, most people recover completely from the illness. Early treatment reduces the risk of permanent disability and death. However, even with treatment botulism can be fatal. Without treatment, more than 50% of people with botulism would die.\nCan raw honey have botulism?\nIntestinal botulism is most commonly associated with eating raw honey. This form of botulism is rare and occurs when bacterial spores in soil or gravel get into an open wound and reproduce, then release toxins.\nDoes cooking kill botulism in honey?\nBacterial spores in food are destroyed by high temperatures obtained only in the pressure canner (240°F–250°F). More than 6 hours is needed to kill the spores at boiling temperature (212°F). The toxin is destroyed by heating to 176°F or boiling for 10 minutes to 20 minutes.\nIs raw honey unsafe?\nRaw honey can contain spores of the bacteria Clostridium botulinum. … Summary While raw honey is safe for healthy adults, it can be dangerous for infants. It may contain spores of the bacteria Clostridium botulinum, which can grow in the gut of developing infants.\nCan raw honey go bad?\nWhile honey is certainly a super-food, it isn’t supernatural–if you leave it out, unsealed in a humid environment, it will spoil. As Harris explains, ” As long as the lid stays on it and no water is added to it, honey will not go bad.\nWhy do adults not get botulism from honey?\nThe bacteria can get on surfaces like carpets and floors and also can contaminate honey. That’s why babies younger than 1 year old should never be given honey. These bacteria are harmless to older kids and adults. That’s because their mature digestive systems can move the toxins through the body before they cause harm.\nCan honey kill a baby?\nHoney can contain a bacteria called C. botulinum. When this bacteria enters a baby’s digestive system it can cause a serious illness called infant botulism. Babies with infant botulism can develop muscle weakness, difficulty breathing and other symptoms.\nCan you inhale botulism?\nInhalation botulism is rare and does not occur naturally, for example it is associated with accidental or intentional events (such as bioterrorism) which result in release of the toxins in aerosols. Inhalation botulism exhibits a similar clinical footprint to foodborne botulism.", "label": "No"}
+{"text": "There are outstanding evolutionary questions on the recent emergence of human coronavirus SARS-CoV-2 including the role of reservoir species, the role of recombination and its time of divergence from animal viruses. We find that the sarbecoviruses—the viral subgenus containing SARS-CoV and SARS-CoV-2—undergo frequent recombination and exhibit spatially structured genetic diversity on a regional scale in China. SARS-CoV-2 itself is not a recombinant of any sarbecoviruses detected to date, and its receptor-binding motif, important for specificity to human ACE2 receptors, appears to be an ancestral trait shared with bat viruses and not one acquired recently via recombination. To employ phylogenetic dating methods, recombinant regions of a 68-genome sarbecovirus alignment were removed with three independent methods. Bayesian evolutionary rate and divergence date estimates were shown to be consistent for these three approaches and for two different prior specifications of evolutionary rates based on HCoV-OC43 and MERS-CoV. Divergence dates between SARS-CoV-2 and the bat sarbecovirus reservoir were estimated as 1948 (95% highest posterior density (HPD): 1879–1999), 1969 (95% HPD: 1930–2000) and 1982 (95% HPD: 1948–2009), indicating that the lineage giving rise to SARS-CoV-2 has been circulating unnoticed in bats for decades.\nIn December 2019, a cluster of pneumonia cases epidemiologically linked to an open-air live animal market in the city of Wuhan (Hubei Province), China1,2 led local health officials to issue an epidemiological alert to the Chinese Center for Disease Control and Prevention and the World Health Organization’s (WHO) China Country Office. In early January, the aetiological agent of the pneumonia cases was found to be a coronavirus3, subsequently named SARS-CoV-2 by an International Committee on Taxonomy of Viruses (ICTV) Study Group4 and also named hCoV-19 by Wu et al.5. The first available sequence data6 placed this novel human pathogen in the Sarbecovirus subgenus of Coronaviridae7, the same subgenus as the SARS virus that caused a global outbreak of >8,000 cases in 2002–2003. By mid-January 2020, the virus was spreading widely within Hubei province and by early March SARS-CoV-2 was declared a pandemic8.\nIn outbreaks of zoonotic pathogens, identification of the infection source is crucial because this may allow health authorities to separate human populations from the wildlife or domestic animal reservoirs posing the zoonotic risk9,10. If stopping an outbreak in its early stages is not possible—as was the case for the COVID-19 epidemic in Hubei—identification of origins and point sources is nevertheless important for containment purposes in other provinces and prevention of future outbreaks. When the first genome sequence of SARS-CoV-2, Wuhan-Hu-1, was released on 10 January 2020 (GMT) on Virological.org by a consortium led by Zhang6, it enabled immediate analyses of its ancestry. Across a large region of the virus genome, corresponding approximately to ORF1b, it did not cluster with any of the known bat coronaviruses indicating that recombination probably played a role in the evolutionary history of these viruses5,7. Subsequently a bat sarbecovirus—RaTG13, sampled from a Rhinolophus affinis horseshoe bat in 2013 in Yunnan Province—was reported that clusters with SARS-CoV-2 in almost all genomic regions with approximately 96% genome sequence identity2. Zhou et al.2 concluded from the genetic proximity of SARS-CoV-2 to RaTG13 that a bat origin for the current COVID-19 outbreak is probable. Concurrent evidence also proposed pangolins as a potential intermediate species for SARS-CoV-2 emergence and suggested them as a potential reservoir species11,12,13.\nUnlike other viruses that have emerged in the past two decades, coronaviruses are highly recombinogenic14,15,16. Influenza viruses reassort17 but they do not undergo homologous recombination within RNA segments18,19, meaning that origins questions for influenza outbreaks can always be reduced to origins questions for each of influenza’s eight RNA segments. For coronaviruses, however, recombination means that small genomic subregions can have independent origins, identifiable if sufficient sampling has been done in the animal reservoirs that support the endemic circulation, co-infection and recombination that appear to be common. Here, we analyse the evolutionary history of SARS-CoV-2 using available genomic data on sarbecoviruses. We demonstrate that the sarbecoviruses circulating in horseshoe bats have complex recombination histories as reported by others15,20,21,22,23,24,25,26. Despite the SARS-CoV-2 lineage’s acquisition of residues in its Spike (S) protein’s receptor-binding domain (RBD) permitting the use of human ACE2 (ref. 27) receptors and its RBD being genetically closer to a pangolin virus than to RaTG13 (refs. 11,12,13,22,28)—a signal that suggests recombination—the divergence patterns in the S protein do not show evidence of recombination between the lineage leading to SARS-CoV-2 and known sarbecoviruses. Our results indicate the presence of a single lineage circulating in bats with properties that allowed it to infect human cells, as previously described for bat sarbecoviruses related to the first SARS-CoV lineage29,30,31.\nTo gauge the length of time this lineage has circulated in bats, we estimate the time to the most recent common ancestor (TMRCA) of SARS-CoV-2 and RaTG13. We use three bioinformatic approaches to remove the effects of recombination, and we combine these approaches to identify putative non-recombinant regions that can be used for reliable phylogenetic reconstruction and dating. Collectively our analyses point to bats being the primary reservoir for the SARS-CoV-2 lineage. While it is possible that pangolins, or another hitherto undiscovered species, may have acted as an intermediate host facilitating transmission to humans, current evidence is consistent with the virus having evolved in bats resulting in bat sarbecoviruses that can replicate in the upper respiratory tract of both humans and pangolins25,32.\nRecombination analysis and identification of breakpoint-free genome regions\nAmong the 68 sequences in the aligned sarbecovirus sequence set, 67 show evidence of mosaicism (all Dunn–Sidak-corrected P < 4 × 10–4 and 3SEQ14), indicating involvement in homologous recombination either directly with identifiable parentals or in their deeper shared evolutionary history—that is, due to shared ancestral recombination events. This is evidence for numerous recombination events occurring in the evolutionary history of the sarbecoviruses22,33; specifying all past events in their correct temporal order34 is challenging and not shown here. Figure 1 (top) shows the distribution of all identified breakpoints (using 3SEQ’s exhaustive triplet search) by the number of candidate recombinant sequences supporting them. The histogram allows for the identification of non-recombining regions (NRRs) by revealing regions with no breakpoints. Sorting these breakpoint-free regions (BFRs) by length results in two segments >5 kb: an ORF1a subregion spanning nucleotides (nt) 3,625–9,150 and the first half of ORF1b spanning nt 13,291–19,628 (sequence numbering given in Source Data, https://github.com/plemey/SARSCoV2origins). Eight other BFRs <500 nt were identified, and the regions were named BFR A–J in order of length. Of the nine breakpoints defining these ten BFRs, four showed phylogenetic incongruence (PI) signals with bootstrap support >80%, adopting previously published criteria on using a combination of mosaic and PI signals to show evidence of past recombination events19. All four of these breakpoints were also identified with the tree-based recombination detection method GARD35.\nThe extent of sarbecovirus recombination history can be illustrated by five phylogenetic trees inferred from BFRs or concatenated adjacent BFRs (Fig. 1c). BFRs were concatenated if no phylogenetic incongruence signal could be identified between them. When viewing the last 7 kb of the genome, a clade of viruses from northern China appears to cluster with sequences from southern Chinese provinces but, when inspecting trees from different parts of ORF1ab, the N. China clade is phylogenetically separated from the S. China clade. Individual sequences such as RpShaanxi2011, Guangxi GX2013 and two sequences from Zhejiang Province (CoVZXC21/CoVZC45), as previously shown22,25, have strong phylogenetic recombination signals because they fall on different evolutionary lineages (with bootstrap support >80%) depending on what region of the genome is being examined.\nDespite the high frequency of recombination among bat viruses, the block-like nature of the recombination patterns across the genome permits retrieval of a clean subalignment for phylogenetic analysis. Conservatively, we combined the three BFRs >2 kb identified above into non-recombining region 1 (NRR1). Removal of five sequences that appear to be recombinants and two small subregions of BFR A was necessary to ensure that there were no phylogenetic incongruence signals among or within the three BFRs. Alternatively, combining 3SEQ-inferred breakpoints, GARD-inferred breakpoints and the necessity of PI signals for inferring recombination, we can use the 9.9-kb region spanning nucleotides 11,885–21,753 (NRR2) as a putative non-recombining region; this approach is breakpoint-conservative because it is conservative in identifying breakpoints but not conservative in identifying non-recombining regions. Using a third consensus-based approach for identifying recombinant regions in individual sequences—with six different recombination detection methods in RDP5 (ref. 36)—gives a putative recombination-free alignment that we call non-recombinant alignment 3 (NRA3) (see Methods).\nAll three approaches to removal of recombinant genomic segments point to a single ancestral lineage for SARS-CoV-2 and RaTG13. Two other bat viruses (CoVZXC21 and CoVZC45) from Zhejiang Province fall on this lineage as recombinants of the RaTG13/SARS-CoV-2 lineage and the clade of Hong Kong bat viruses sampled between 2005 and 2007 (Fig. 1c). Specifically, progenitors of the RaTG13/SARS-CoV-2 lineage appear to have recombined with the Hong Kong clade (with inferred breakpoints at 11.9 and 20.8 kb) to form the CoVZXC21/CoVZC45-lineage. Sibling lineages to RaTG13/SARS-CoV-2 include a pangolin sequence sampled in Guangdong Province in March 2019 and a clade of pangolin sequences from Guangxi Province sampled in 2017.\nBecause the SARS-CoV-2 S protein has been implicated in past recombination events or possibly convergent evolution12, we specifically investigated several subregions of the S protein—the N-terminal domain of S1, the C-terminal domain of S1, the variable-loop region of the C-terminal domain, and S2. The variable-loop region in SARS-CoV-2 shows closer identity to the 2019 pangolin coronavirus sequence than to the RaTG13 bat virus, supported by phylogenetic inference (Fig. 2). On first examination this would suggest that that SARS-CoV-2 is a recombinant of an ancestor of Pangolin-2019 and RaTG13, as proposed by others11,22. However, on closer inspection, the relative divergences in the phylogenetic tree (Fig. 2, bottom) show that SARS-CoV-2 is unlikely to have acquired the variable loop from an ancestor of Pangolin-2019 because these two sequences are approximately 10–15% divergent throughout the entire S protein (excluding the N-terminal domain). It is RaTG13 that is more divergent in the variable-loop region (Extended Data Fig. 1) and thus likely to be the product of recombination, acquiring a divergent variable loop from a hitherto unsampled bat sarbecovirus28. This is notable because the variable-loop region contains the six key contact residues in the RBD that give SARS-CoV-2 its ACE2-binding specificity27,37. These residues are also in the Pangolin Guangdong 2019 sequence. The most parsimonious explanation for these shared ACE2-specific residues is that they were present in the common ancestors of SARS-CoV-2, RaTG13 and Pangolin Guangdong 2019, and were lost through recombination in the lineage leading to RaTG13. This provides compelling support for the SARS-CoV-2 lineage being the consequence of a direct or nearly-direct zoonotic jump from bats, because the key ACE2-binding residues were present in viruses circulating in bats.\nAncestry in non-recombinant regions\nUsing the most conservative approach to identification of a non-recombinant genomic region (NRR1), SARS-CoV-2 forms a sister lineage with RaTG13, with genetically related cousin lineages of coronavirus sampled in pangolins in Guangdong and Guangxi provinces (Fig. 3). Given that these pangolin viruses are ancestral to the progenitor of the RaTG13/SARS-CoV-2 lineage, it is more likely that they are also acquiring viruses from bats. While pangolins could be acting as intermediate hosts for bat viruses to get into humans—they develop severe respiratory disease38 and commonly come into contact with people through trafficking—there is no evidence that pangolin infection is a requirement for bat viruses to cross into humans.\nPhylogenies of subregions of NRR1 depict an appreciable degree of spatial structuring of the bat sarbecovirus population across different regions (Fig. 3). One geographic clade includes viruses from provinces in southern China (Guangxi, Yunnan, Guizhou and Guangdong), with its major sister clade consisting of viruses from provinces in northern China (Shanxi, Henan, Hebei and Jilin) as well as Hubei Province in central China and Shaanxi Province in northwestern China. Several of the recombinant sequences in these trees show that recombination events do occur across geographically divergent clades. The Sichuan (SC2018) virus appears to be a recombinant of northern/central and southern viruses, while the two Zhejiang viruses (CoVZXC21 and CoVZC45) appear to carry a recombinant region from southern or central China.\nTMRCA for NRRs of SARS-CoV-2 lineage\nTo avoid artefacts due to recombination, we focused on NRR1 and NRR2 and the recombination-masked alignment NRA3 to infer time-measured evolutionary histories. Visual exploration using TempEst39 indicates that there is no evidence for temporal signal in these datasets (Extended Data Fig. 2). This is not surprising for diverse viral populations with relatively deep evolutionary histories. In such cases, even moderate rate variation among long, deep phylogenetic branches will substantially impact expected root-to-tip divergences over a sampling time range that represents only a small fraction of the evolutionary history40. However, formal testing using marginal likelihood estimation41 does provide some evidence of a temporal signal, albeit with limited log Bayes factor support of 3 (NRR1), 10 (NRR2) and 3 (NRA3); see Supplementary Table 1.\nIn the absence of a strong temporal signal, we sought to identify a suitable prior rate distribution to calibrate the time-measured trees by examining several coronaviruses sampled over time, including HCoV-OC43, MERS-CoV, and SARS-CoV virus genomes. These datasets were subjected to the same recombination masking approach as NRA3 and were characterized by a strong temporal signal (Fig. 4), but also by markedly different evolutionary rates. Specifically, using a formal Bayesian approach42 (see Methods), we estimate a fast evolutionary rate (0.00169 substitutions per site yr–1, 95% highest posterior density (HPD) interval (0.00131,0.00205)) for SARS viruses sampled over a limited timescale (1 year), a slower rate (0.00078 (0.00063,0.00092) substitutions per site yr–1) for MERS-CoV on a timescale of about 4 years and the slowest rate (0.00024 (0.00019,0.00029) substitutions per site yr–1) for HCoV-OC43 over almost five decades. These differences reflect the fact that rate estimates can vary considerably with the timescale of measurement, a frequently observed phenomenon in viruses known as time-dependent evolutionary rates41,43,44. Over relatively shallow timescales, such differences can primarily be explained by varying selective pressure, with mildly deleterious variants being eliminated more strongly by purifying selection over longer timescales44,45,46. Consistent with this, we estimate a concomitantly decreasing non-synonymous-to-synonymous substitution rate ratio over longer evolutionary timescales: 1.41 (1.20,1.68), 0.35 (0.30,0.41) and 0.133 (0.129,0.136) for SARS, MERS-CoV and HCoV-OC43, respectively. In light of these time-dependent evolutionary rate dynamics, a slower rate is appropriate for calibration of the sarbecovirus evolutionary history. We compare both MERS-CoV- and HCoV-OC43-centred prior distributions (Extended Data Fig. 3) to examine the sensitivity of date estimates to this prior specification.\nWe infer time-measured evolutionary histories using a Bayesian phylogenetic approach while incorporating rate priors based on mean MERS-CoV and HCoV-OC43 rates and with standard deviations that allow for more uncertainty than the empirical estimates for both viruses (see Methods). Using both prior distributions, this results in six highly similar posterior rate estimates for NRR1, NRR2 and NRA3, centred around 0.00055 substitutions per site yr–1. The fact that these estimates lie between the rates for MERS-CoV and HCoV-OC43 is consistent with the intermediate sampling time range of about 18 years (Fig. 5). The consistency of the posterior rates for the different prior means also implies that the data do contribute to the evolutionary rate estimate, despite the fact that a temporal signal was visually not apparent (Extended Data Fig. 2). Below, we report divergence time estimates based on the HCoV-OC43-centred rate prior for NRR1, NRR2 and NRA3 and summarize corresponding estimates for the MERS-CoV-centred rate priors in Extended Data Fig. 4. Divergence time estimates based on the HCoV-OC43-centred rate prior for the separate BFRs (Supplementary Table 3) show consistency in TMRCA estimates across the genome.\nThe divergence time estimates for SARS-CoV-2 and SARS-CoV from their respective most closely related bat lineages are reasonably consistent among the three approaches we use to eliminate the effects of recombination in the alignment. Using the most conservative approach (NRR1), the divergence time estimate for SARS-CoV-2 and RaTG13 is 1969 (95% HPD: 1930–2000), while that between SARS-CoV and its most closely related bat sequence is 1962 (95% HPD: 1932–1988); see Fig. 5. These are in general agreement with estimates using NRR2 and NRA3, which result in divergence times of 1982 (1948–2009) and 1948 (1879–1999), respectively, for SARS-CoV-2, and estimates of 1952 (1906–1989) and 1970 (1932–1996), respectively, for the divergence time of SARS-CoV from its closest known bat relative. The SARS-CoV divergence times are somewhat earlier than dates previously estimated15 because previous estimates were obtained using a collection of SARS-CoV genomes from human and civet hosts (as well as a few closely related bat genomes), which implies that evolutionary rates were predominantly informed by the short-term SARS outbreak scale and probably biased upwards. Indeed, the rates reported by these studies are in line with the short-term SARS rates that we estimate (Fig. 4). The estimated divergence times for the pangolin virus most closely related to the SARS-CoV-2/RaTG13 lineage range from 1851 (1730–1958) to 1877 (1746–1986), indicating that these pangolin lineages were acquired from bat viruses divergent to those that gave rise to SARS-CoV-2. Current sampling of pangolins does not implicate them as an intermediate host.\nIdentifying the origins of an emerging pathogen can be critical during the early stages of an outbreak, because it may allow for containment measures to be precisely targeted at a stage when the number of daily new infections is still low. Early detection via genomics was not possible during Southeast Asia’s initial outbreaks of avian influenza H5N1 (1997 and 2003–2004) or the first SARS outbreak (2002–2003). By 2009, however, rapid genomic analysis had become a routine component of outbreak response. The 2009 influenza pandemic and subsequent outbreaks of MERS-CoV (2012), H7N9 avian influenza (2013), Ebola virus (2014) and Zika virus (2015) were met with rapid sequencing and genomic characterization. For the current pandemic, the ‘novel pathogen identification’ component of outbreak response delivered on its promise, with viral identification and rapid genomic analysis providing a genome sequence and confirmation, within weeks, that the December 2019 outbreak first detected in Wuhan, China was caused by a coronavirus3. Unfortunately, a response that would achieve containment was not possible. Given what was known about the origins of SARS, as well as identification of SARS-like viruses circulating in bats that had binding sites adapted to human receptors29,30,31, appropriate measures should have been in place for immediate control of outbreaks of novel coronaviruses. The key to successful surveillance is knowing which viruses to look for and prioritizing those that can readily infect humans47.\nThe difficulty in inferring reliable evolutionary histories for coronaviruses is that their high recombination rate48,49 violates the assumption of standard phylogenetic approaches because different parts of the genome have different histories. To begin characterizing any ancestral relationships for SARS-CoV-2, NRRs of the genome must be identified so that reliable phylogenetic reconstruction and dating can be performed. Evolutionary rate estimation can be profoundly affected by the presence of recombination50. Because there is no single accepted method of inferring breakpoints and identifying clean subregions with high certainty, we implemented several approaches to identifying three classic statistical signals of recombination: mosaicism, phylogenetic incongruence and excessive homoplasy51. Our most conservative approach attempted to ensure that putative NRRs had no mosaic or phylogenetic incongruence signals. A second breakpoint-conservative approach was conservative with respect to breakpoint identification, but this means that it is accepting of false-negative outcomes in breakpoint inference, resulting in less certainty that a putative NRR truly contains no breakpoints. A third approach attempted to minimize the number of regions removed while also minimizing signals of mosaicism and homoplasy. The origins we present in Fig. 5 (NRR1) are conservative in the sense that NRR1 is more likely to be non-recombinant than NRR2 or NRA3. Because the estimated rates and divergence dates were highly similar in the three datasets analysed, we conclude that our estimates are robust to the method of identifying a genome’s NRRs.\nDue to the absence of temporal signal in the sarbecovirus datasets, we used informative prior distributions on the evolutionary rate to estimate divergence dates. Calibration of priors can be performed using other coronaviruses (SARS-CoV, MERS-CoV and HCoV-OC43), but estimated rates vary with the timescale of sample collection. In the presence of time-dependent rate variation, a widely observed phenomenon for viruses43,44,52, slower prior rates appear more appropriate for sarbecoviruses that currently encompass a sampling time range of about 18 years. Our approach resulted in similar posterior rates using two different prior means, implying that the sarbecovirus data do inform the rate estimate even though a root-to-tip temporal signal was not apparent.\nThe relatively fast evolutionary rate means that it is most appropriate to estimate shallow nodes in the sarbecovirus evolutionary history. Accurate estimation of ages for deeper nodes would require adequate accommodation of time-dependent rate variation. While such models have recently been made available, we lack the information to calibrate the rate decline over time (for example, through internal node calibrations44). As a proxy, it would be possible to model the long-term purifying selection dynamics as a major source of time-dependent rates43,44,52, but this is beyond the scope of the current study. The assumption of long-term purifying selection would imply that coronaviruses are in endemic equilibrium with their natural host species, horseshoe bats, to which they are presumably well adapted. While there is evidence of positive selection in the sarbecovirus lineage leading to RaTG13/SARS-CoV-2 (ref. 53), this is inferred to have occurred before the divergence of RaTG13 and SARS-CoV-2 and thus should not influence our inferences.\nOf importance for future spillover events is the appreciation that SARS-CoV-2 has emerged from the same horseshoe bat subgenus that harbours SARS-like coronaviruses. Another similarity between SARS-CoV and SARS-CoV-2 is their divergence time (40–70 years ago) from currently known extant bat virus lineages (Fig. 5). This long divergence period suggests there are unsampled virus lineages circulating in horseshoe bats that have zoonotic potential due to the ancestral position of the human-adapted contact residues in the SARS-CoV-2 RBD. Without better sampling, however, it is impossible to estimate whether or how many of these additional lineages exist. While there is involvement of other mammalian species—specifically pangolins for SARS-CoV-2—as a plausible conduit for transmission to humans, there is no evidence that pangolins are facilitating adaptation to humans. A hypothesis of snakes as intermediate hosts of SARS-CoV-2 was posited during the early epidemic phase54, but we found no evidence of this55,56; see Extended Data Fig. 5.\nWith horseshoe bats currently the most plausible origin of SARS-CoV-2, it is important to consider that sarbecoviruses circulate in a variety of horseshoe bat species with widely overlapping species ranges57. Nevertheless, the viral population is largely spatially structured according to provinces in the south and southeast on one lineage, and provinces in the centre, east and northeast on another (Fig. 3). This boundary appears to be rarely crossed. Two exceptions can be seen in the relatively close relationship of Hong Kong viruses to those from Zhejiang Province (with two of the latter, CoVZC45 and CoVZXC21, identified as recombinants) and a recombinant virus from Sichuan for which part of the genome (region B of SC2018 in Fig. 3) clusters with viruses from provinces in the centre, east and northeast of China. SARS-CoV-2 and RaTG13 are also exceptions because they were sampled from Hubei and Yunnan, respectively. The fact that they are geographically relatively distant is in agreement with their somewhat distant TMRCA, because the spatial structure suggests that migration between their locations may be uncommon. From this perspective, it may be useful to perform surveillance for more closely related viruses to SARS-CoV-2 along the gradient from Yunnan to Hubei.\nIt is clear from our analysis that viruses closely related to SARS-CoV-2 have been circulating in horseshoe bats for many decades. The unsampled diversity descended from the SARS-CoV-2/RaTG13 common ancestor forms a clade of bat sarbecoviruses with generalist properties—with respect to their ability to infect a range of mammalian cells—that facilitated its jump to humans and may do so again. Although the human ACE2-compatible RBD was very likely to have been present in a bat sarbecovirus lineage that ultimately led to SARS-CoV-2, this RBD sequence has hitherto been found in only a few pangolin viruses. Furthermore, the other key feature thought to be instrumental in the ability of SARS-CoV-2 to infect humans—a polybasic cleavage site insertion in the S protein—has not yet been seen in another close bat relative of the SARS-CoV-2 virus.\nThe existing diversity and dynamic process of recombination amongst lineages in the bat reservoir demonstrate how difficult it will be to identify viruses with potential to cause major human outbreaks before they emerge. This underscores the need for a global network of real-time human disease surveillance systems, such as that which identified the unusual cluster of pneumonia in Wuhan in December 2019, with the capacity to rapidly deploy genomic tools and functional studies for pathogen identification and characterization.\nComplete genome sequence data were downloaded from GenBank and ViPR; accession numbers of all 68 sequences are available in Supplementary Table 4. Sequences were aligned by MAFTT58 v.7.310, with a final alignment length of 30,927, and used in the analyses below.\nWe compiled a dataset including 27 human coronavirus OC43 virus genomes and ten related animal virus genomes (six bovine, three white-tailed deer and one canine virus). The canine viral genome was excluded from the Bayesian phylogenetic analyses because temporal signal analyses (see below) indicated that it was an outlier.\nWe extracted a similar number (n = 35) of genomes from a MERS-CoV dataset analysed by Dudas et al.59 using the phylogenetic diversity analyser tool60 (v.0.5).\nWe compiled a set of 69 SARS-CoV genomes including 58 sampled from humans and 11 sampled from civets and raccoon dogs. This dataset comprises an updated version of that used in Hon et al.15 and includes a cluster of genomes sampled in late 2003 and early 2004, but the evolutionary rate estimate without this cluster (0.00175 substitutions per site yr–1 (0.00117,0.00229)) is consistent with the complete dataset (0.00169 substitutions per site yr–1, (0.00131,0.00205)).\nSarbecovirus, HCoV-OC43 and SARS-CoV data were assembled from GenBank to be as complete as possible, with sampling year as an inclusion criterion. MERS-CoV data were subsampled to match sample sizes with SARS-CoV and HCoV-OC43.\nBecause coronaviruses are known to be highly recombinant, we used three different approaches to identify non-recombinant regions for use in our Bayesian time-calibrated phylogenetic inference.\nFirst, we took an approach that relies on identification of mosaic regions (via 3SEQ14 v.1.7) that are also supported by PI signals19. Because 3SEQ is the most statistically powerful of the mosaic methods61, we used it to identify the best-supported breakpoint history for each potential child (recombinant) sequence in the dataset. A single 3SEQ run on the genome alignment resulted in 67 out of 68 sequences supporting some recombination in the past, with multiple candidate breakpoint ranges listed for each putative recombinant. Next, we (1) collected all breakpoints into a single set, (2) complemented this set to generate a set of non-breakpoints, (3) grouped non-breakpoints into contiguous BFRs and (4) sorted these regions by length. A phylogenetic tree—using RAxML v8.2.8 (ref. 62,63), the GTR + Γ model and 100 bootstrap replicates—was inferred for each BFR >500 nt.\nWe considered (1) the possibility that BFRs could be combined into larger non-recombinant regions and (2) the possibility of further recombination within each BFR.\nWe named the length-sorted BFRs as: BFR A (nt positions 13,291–19,628, length = 6,338 nt), BFR B (nt positions 3,625–9,150, length = 5,526 nt), BFR C (nt positions 9,261–11,795, length = 2,535 nt), BFR D (nt positions 27,702–28,843, length = 1,142 nt) and six further regions (E–J). Phylogenetic trees and exact breakpoints for all ten BFRs are shown in Supplementary Figs. 1–10. Regions A–C had similar phylogenetic relationships among the southern China bat viruses (Yunnan, Guangxi and Guizhou provinces), the Hong Kong viruses, northern Chinese viruses (Jilin, Shanxi, Hebei and Henan provinces, including Shaanxi), pangolin viruses and the SARS-CoV-2 lineage. Because these subclades had different phylogenetic relationships in region D (Supplementary Fig. 4), that region and shorter BFRs were not included in combined putative non-recombinant regions.\nRegions A–C were further examined for mosaic signals by 3SEQ, and all showed signs of mosaicism. In region A, we removed subregion A1 (nt positions 3,872–4,716 within region A) and subregion A4 (nt 1,642–2,113) because both showed PI signals with other subregions of region A. After removal of A1 and A4, we named the new region A′. In addition, sequences NC_014470 (Bulgaria 2008), CoVZXC21, CoVZC45 and DQ412042 (Hubei-Yichang) needed to be removed to maintain a clean non-recombinant signal in A′. Region B showed no PI signals within the region, except one including sequence SC2018 (Sichuan), and thus this sequence was also removed from the set. Region C showed no PI signals within it. Combining regions A′, B and C and removing the five named sequences gives us putative NRR1, as an alignment of 63 sequences. We say that this approach is conservative because sequences and subregions generating recombination signals have been removed, and BFRs were concatenated only when no PI signals could be detected between them. The construction of NRR1 is the most conservative as it is least likely to contain any remaining recombination signals.\nIn our second stage, we wanted to construct non-recombinant regions where our approach to breakpoint identification was as conservative as possible. We call this approach breakpoint-conservative, but note that this has the opposite effect to the construction of NRR1 in that this approach is the most likely to allow breakpoints to remain inside putative non-recombining regions. In other words, a true breakpoint is less likely to be called as such (this is breakpoint-conservative), and thus the construction of a non-recombining region may contain true recombination breakpoints (with insufficient evidence to call them as such). In this approach, we considered a breakpoint as supported only if it had three types of statistical support: from (1) mosaic signals identified by 3SEQ, (2) PI signals identified by building trees around 3SEQ’s breakpoints and (3) the GARD algorithm35, which identifies breakpoints by identifying PI signals across proposed breakpoints. Because 3SEQ identified ten BFRs >500 nt, we used GARD’s (v.2.5.0) inference on 10, 11 and 12 breakpoints. A reduced sequence set of 25 sequences chosen to capture the breadth of diversity in the sarbecoviruses (obvious recombinants not involving the SARS-CoV-2 lineage were also excluded) was used because GARD is computationally intensive. GARD identified eight breakpoints that were also within 50 nt of those identified by 3SEQ. PI signals were identified (with bootstrap support >80%) for seven of these eight breakpoints: positions 1,684, 3,046, 9,237, 11,885, 21,753, 22,773 and 24,628. Using these breakpoints, the longest putative non-recombining segment (nt 1,885–21,753) is 9.9 kb long, and we call this region NRR2.\nOur third approach involved identifying breakpoints and masking minor recombinant regions (with gaps, which are treated as unobserved characters in probabilistic phylogenetic approaches). Specifically, we used a combination of six methods implemented in v.5.5 of RDP5 (ref. 36) (RDP, GENECONV, MaxChi, Bootscan, SisScan and 3SEQ) and considered recombination signals detected by more than two methods for breakpoint identification. Except for specifying that sequences are linear, all settings were kept to their defaults. Based on the identified breakpoints in each genome, only the major non-recombinant region is kept in each genome while other regions are masked. To evaluate the performance procedure, we confirmed that the recombination masking resulted in (1) a markedly different outcome of the PHI test64, (2) removal of well-supported (bootstrap value >95%) incompatible splits in Neighbor-Net65 and (3) a near-complete reduction of mosaic signal as identified by 3SEQ. If the latter still identified non-negligible recombination signal, we removed additional genomes that were identified as major contributors to the remaining signal. This produced non-recombining alignment NRA3, which included 63 of the 68 genomes.\nBayesian divergence time estimation\nWe focused on these three non-recombining regions/alignments for divergence time estimation; this avoids inappropriate modelling of evolutionary processes with recombination on strictly bifurcating trees, which can result in different artefacts such as homoplasies that inflate branch lengths and lead to apparently longer evolutionary divergence times. To examine temporal signal in the sequenced data, we plotted root-to-tip divergence against sampling time using TempEst39 v.1.5.3 based on a maximum likelihood tree. The latter was reconstructed using IQTREE66 v.2.0 under a general time-reversible (GTR) model with a discrete gamma distribution to model inter-site rate variation.\nTime-measured phylogenetic reconstruction was performed using a Bayesian approach implemented in BEAST42 v.1.10.4. When the genomic data included both coding and non-coding regions we used a single GTR + Γ substitution model; for concatenated coding genes we partitioned the alignment by codon position and specified an independent GTR + Γ model for each partition with a separate gamma model to accommodate inter-site rate variation. We used an uncorrelated relaxed clock model with log-normal distribution for all datasets, except for the low-diversity SARS data for which we specified a strict molecular clock model. For the HCoV-OC43, MERS-CoV and SARS datasets we specified flexible skygrid coalescent tree priors. In the absence of any reasonable prior knowledge on the TMRCA of the sarbecovirus datasets (which is required for grid specification in a skygrid model), we specified a simpler constant size population prior. As informative rate priors for the analysis of the sarbecovirus datasets, we used two different normal prior distributions: one with a mean of 0.00078 and s.d. = 0.00075 and one with a mean of 0.00024 and s.d. = 0.00025. These means are based on the mean rates estimated for MERS-CoV and HCoV-OC43, respectively, while the standard deviations are set ten times higher than empirical values to allow greater prior uncertainty and avoid strong bias (Extended Data Fig. 3). In our analyses of the sarbecovirus datasets, we incorporated the uncertainty of the sampling dates when exact dates were not available. To estimate non-synonymous over synonymous rate ratios for the concatenated coding genes, we used the empirical Bayes Renaissance counting’procedure67. Temporal signal was tested using a recently developed marginal likelihood estimation procedure41 (Supplementary Table 1).\nPosterior distributions were approximated through Markov chain Monte Carlo sampling, which were run sufficiently long to ensure effective sampling sizes >100. BEAST inferences made use of the BEAGLE v.3 library68 for efficient likelihood computations. We used TreeAnnotator to summarize posterior tree distributions and annotated the estimated values to a maximum clade credibility tree, which was visualized using FigTree.\nFurther information on research design is available in the Nature Research Reporting Summary linked to this article.\nAll custom code used in the manuscript is available at https://github.com/plemey/SARSCoV2origins.\nLi, Q. et al. Early transmission dynamics in Wuhan, China, of novel coronavirus-infected pneumonia. N. Engl. J. Med. 382, 1199–1207 (2020).\nZhou, P. et al. A pneumonia outbreak associated with a new coronavirus of probable bat origin. Nature 579, 270–273 (2020).\nNovel Coronavirus (2019-nCoV) Situation Report 1, 21 January 2020 (World Health Organization, 2020).\nGorbalenya, A. E. et al. The species Severe acute respiratory syndrome-related coronavirus: classifying 2019-nCoV and naming it SARS-CoV-2. Nat. Microbiol. 5, 536–544 (2020).\nWu, Y. et al. SARS-CoV-2 is an appropriate name for the new coronavirus. A distinct name is needed for the new coronavirus. Lancet 395, 949–950 (2020).\nWu, F. et al. A new coronavirus associated with human respiratory disease in China. Nature 579, 265–269 (2020).\nLu, R. et al. Genomic characterisation and epidemiology of 2019 novel coronavirus: implications for virus origins and receptor binding. Lancet 395, 565–574 (2020).\nCoronavirus Disease 2019 (COVID-19) Situation Report – 51 (World Health Organization, 2020).\nYu, H. et al. Effect of closure of live poultry markets on poultry-to-person transmission of avian influenza A H7N9 virus: an ecological study. Lancet 383, 541–548 (2013).\nStegeman, A. et al. Avian influenza a virus (H7N7) epidemic in The Netherlands in 2003: course of the epidemic and effectiveness of control measures. J. Infect. Dis. 190, 2088–2095 (2004).\nXiao, K. et al. Isolation of SARS-CoV-2-related coronavirus from Malayan pangolins. Nature 583, 286–289 (2020).\nLam, T. T. et al. Identifying SARS-CoV-2-related coronaviruses in Malayan pangolins. Nature 583, 282–285 (2020).\nLiu, P. et al. Are pangolins the intermediate host of the 2019 novel coronavirus (SARS-CoV-2)? PLoS Pathog. 16, e1008421 (2020).\nLam, H. M., Ratmann, O. & Boni, M. F. Improved algorithmic complexity for the 3SEQ recombination detection algorithm. Mol. Biol. Evol. 35, 247–251 (2018).\nHon, C. et al. Evidence of the recombinant origin of a bat severe acute respiratory syndrome (SARS)-like coronavirus and its implications on the direct ancestor of SARS coronavirus. J. Virol. 82, 1819–1826 (2008).\nForni, D., Cagliani, R., Clerici, M. & Sironi, M. Molecular evolution of human coronavirus genomes. Trends Microbiol. 25, 35–48 (2017).\nWebster, R. G., Bean, W. J., Gorman, O. T., Chambers, T. M. & Kawaoka, Y. Evolution and ecology of influenza A viruses. Microbiol. Rev. 56, 152–179 (1992).\nBoni, M. F., Zhou, Y., Taubenberger, J. K. & Holmes, E. C. Homologous recombination is very rare or absent in human influenza A virus. J. Virol. 82, 4807–4811 (2008).\nBoni, M. F., de Jong, M. D., van Doorn, H. R. & Holmes, E. C. Guidelines for identifying homologous recombination events in influenza A virus. PLoS ONE 5, e10434 (2010).\nHe, B. et al. Identification of diverse alphacoronaviruses and genomic characterization of a novel severe acute respiratory syndrome-like coronavirus from bats in China. J. Virol. 88, 7070–7082 (2014).\nHu, B. et al. Discovery of a rich gene pool of bat SARS-related coronaviruses provides new insights into the origin of SARS coronavirus. PLoS Pathog. 13, e1006698 (2017).\nLi, X. et al. Emergence of SARS-CoV-2 through recombination and strong purifying selection. Sci. Adv. 6, eabb9153 (2020).\nLin, X. et al. Extensive diversity of coronaviruses in bats from China. Virology 507, 1–10 (2017).\nWang, L. et al. Discovery and genetic analysis of novel coronaviruses in least horseshoe bats in southwestern China. Emerg. Microbes Infect. 6, e14 (2017).\nZhou, H. et al. A novel bat coronavirus closely related to SARS-CoV-2 contains natural insertions at the S1/S2 cleavage site of the Spike protein. Curr. Biol. 30, 2196–2203 (2020).\nYuan, J. et al. Intraspecies diversity of SARS-like coronaviruses in Rhinolophus sinicus and its implications for the origin of SARS coronaviruses in humans. J. Gen. Virol. 91, 1058–1062 (2010).\nWan, Y., Shang, J., Graham, R., Baric, R. & Li, F. Receptor recognition by the novel Coronavirus from Wuhan: an analysis based on decade-long structural studies of SARS coronavirus. J. Virol. 94, e00127–20 (2020).\nWang, H., Pipes, L. & Nielsen, R. Synonymous mutations and the molecular evolution of SARS-Cov-2 origins. Preprint at https://doi.org/10.1101/2020.04.20.052019 (2020).\nMenachery, V. D. et al. A SARS-like cluster of circulating bat coronaviruses shows potential for human emergence. Nat. Med. 21, 1508–1514 (2015).\nMenachery, V. D. et al. SARS-like WIV1-CoV poised for human emergence. Proc. Natl Acad. Sci. USA 113, 3048–3053 (2016).\nGe, X. et al. Isolation and characterization of a bat SARS-like coronavirus that uses the ACE2 receptor. Nature 503, 535–538 (2013).\nZhang, Y.-Z. & Holmes, E. C. A genomic perspective on the origin and emergence of SARS-CoV-2. Cell 181, 223–227 (2020).\nPatino-Galindo, J. A., Filip, I., AlQuraishi, M. & Rabadan, R. Recombination and lineage-specific mutations led to the emergence of SARS-CoV-2. Preprint at https://doi.org/10.1101/2020.02.10.942748 (2020).\nEden, J.-S., Tanaka, M. M., Boni, M. F., Rawlinson, W. D. & White, P. A. Recombination within the pandemic norovirus GII.4 lineage. J. Virol. 87, 6270–6282 (2013).\nKosakovsky Pond, S. L., Posada, D., Gravenor, M. B., Woelk, C. H. & Frost, S. D. W. Automated phylogenetic detection of recombination using a genetic algorithm. Mol. Biol. Evol. 23, 1891–1901 (2006).\nMartin, D. P., Murrell, B., Golden, M., Khoosal, A. & Muhire, B. RDP4: Detection and analysis of recombination patterns in virus genomes. Virus Evol. 1, vev003 (2015).\nAnderson, K. G., Rambaut, A., Lipkin, W. I., Holmes, E. C. & Garry, R. F. The proximal origin of SARS-CoV-2. Nat. Med. 26, 450–452 (2020).\nLie, P., Chen, W. & Chen, J.-P. Viral metagenomics revealed Sendai virus and coronavirus infection of Malayan pangolins (Manis javanica). Viruses 11, 979 (2019).\nRambaut, A., Lam, T. T., Carvalho, L. M. & Pybus, O. G. Exploring the temporal structure of heterochronous sequences using TempEst (formerly Path-O-Gen). Virus Evol. 2, vew007 (2016).\nTrova, S. et al. Host ecology determines the dispersal patterns of a plant virus. Virus Evol. 1, vev016 (2015).\nDuchene, S. et al. Bayesian evaluation of temporal signal in measurably evolving populations. Mol. Biol. Evol. https://doi.org/10.1093/molbev/msaa163 (2020).\nSuchard, M. A. et al. Bayesian phylogenetic and phylodynamic data integration using BEAST 1.10. Virus Evol. 4, vey016 (2018).\nAiewsakun, P. & Katzourakis, A. Time-dependent rate phenomenon in viruses. J. Virol. 90, 7184–7195 (2016).\nMembrebe, J. V., Suchard, M. A., Rambaut, A., Baele, G. & Lemey, P. Bayesian inference of evolutionary histories under time-dependent substitution rates. Mol. Biol. Evol. 36, 1793–1803 (2019).\nHolmes, E. C. The Evolution and Emergence of RNA Viruses (Oxford Univ. Press, 2009).\nHolmes, E. C., Dudas, G., Rambaut, A. & Andersen, K. G. The evolution of Ebola virus: insights from the 2013–2016 epidemic. Nature 538, 193–200 (2016).\nHolmes, E. C., Rambaut, A. & Andersen, K. G. Pandemics: spend on surveillance, not prediction. Nature 558, 180–182 (2018).\nGraham, R. L. & Baric, R. S. Recombination, reservoirs, and the modular spike: mechanisms of coronavirus cross-species transmission. J. Virol. 84, 3134–3146 (2010).\nSu, S. et al. Epidemiology, genetic recombination, and pathogenesis of coronaviruses. Trends Microbiol. 24, 490–502 (2016).\nSchierup, M. H. & Hein, J. Recombination and the molecular clock. Mol. Biol. Evol. 17, 1578–1579 (1999).\nPosada, D., Crandall, K. A. & Holmes, E. C. Recombination in evolutionary genomics. Annu Rev. Genet. 36, 75–97 (2002).\nDuchene, S., Holmes, E. C. & Ho, S. Y. W. Analyses of evolutionary dynamics in viruses are hindered by a time-dependent bias in rate estimates. Proc. R. Soc. Lond. B 281, 20140732 (2014).\nMaclean, O. A., Lytras, S., Singer, J. B., Weaver, S. & Sergei, L. Evidence of significant natural selection in the evolution of SARS-CoV-2 in bats, not humans. Preprint at https://doi.org/10.1101/2020.05.28.122366 (2020).\nJi, W., Wang, W., Zhao, X., Zai, J. & Li, X. Cross‐species transmission of the newly identified coronavirus 2019‐nCoV. J. Med Virol. 92, 433–440 (2020).\nAnderson, K. G. nCoV-2019 codon usage and reservoir (not snakes v2). Virological.org http://virological.org/t/ncov-2019-codon-usage-and-reservoir-not-snakes-v2/339 (2020).\nRobertson, D. nCoV’s relationship to bat coronaviruses & recombination signals (no snakes) – no evidence the 2019-nCoV lineage is recombinant. Virological.org http://virological.org/t/ncovs-relationship-to-bat-coronaviruses-recombination-signals-no-snakes-no-evidence-the-2019-ncov-lineage-is-recombinant/331 (2020).\nWong, A. C. P., Li, X., Lau, S. K. P. & Woo, P. C. Y. Global epidemiology of bat coronaviruses. Viruses 11, 174 (2019).\nKatoh, K., Asimenos, G. & Toh, H. in Bioinformatics for DNA Sequence Analysis (ed. Press, H.) 39–64 (Springer, 2009).\nDudas, G., Carvalho, L. M., Rambaut, A. & Bedford, T. MERS-CoV spillover at the camel–human interface. eLife 7, e31257 (2018).\nChernomor, O. et al. Split diversity in constrained conservation prioritization using integer linear programming. Methods Ecol. Evol. 6, 83–91 (2015).\nBoni, M. F., Posada, D. & Feldman, M. W. An exact nonparametric method for inferring mosaic structure in sequence triplets. Genetics 176, 1035–1047 (2007).\nStamatakis, A. RAxML version 8: a tool for phylogenetic analysis and post-analysis of large phylogenies. Bioinformatics 30, 1312–1313 (2014).\nStamatakis, A. RAxML-VI-HPC: maximum likelihood-based phylogenetic analyses with thousands of taxa and mixed models. Bioinformatics 22, 2688–2690 (2006).\nBruen, T. C., Philippe, H. & Bryant, D. A simple and robust statistical test for detecting the presence of recombination. Genetics 172, 2665–2681 (2006).\nBryant, D. & Moulton, V. Neighbor-Net: an agglomerative method for the construction of phylogenetic networks. Mol. Biol. Evol. 21, 255–265 (2004).\nNguyen, L.-T., Schmidt, H. A., Von Haeseler, A. & Minh, B. Q. IQ-TREE: a fast and effective stochastic algorithm for estimating maximum-likelihood phylogenies. Mol. Biol. Evol. 32, 268–274 (2014).\nLemey, P., Minin, V. N., Bielejec, F., Pond, S. L. K. & Suchard, M. A. A counting renaissance: combining stochastic mapping and empirical Bayes to quickly detect amino acid sites under positive selection. Bioinformatics 28, 3248–3256 (2012).\nYres, D. L. et al. BEAGLE 3: improved performance, scaling, and usability for a high-performance computing library for statistical phylogenetics. Softw. Syst. Evol. 68, 1052–1061 (2019).\nWe thank all authors who have kindly deposited and shared genome data on GISAID. We thank T. Bedford for providing M.F.B. with an alignment on which an initial recombination analysis was done. We thank A. Chan and A. Irving for helpful comments on the manuscript. The research leading to these results received funding (to A.R. and P.L.) from the European Research Council under the European Union’s Horizon 2020 research and innovation programme (grant agreement no. 725422-ReservoirDOCS). D.L.R. is funded by the MRC (no. MC_UU_1201412). The Artic Network receives funding from the Wellcome Trust through project no. 206298/Z/17/Z. P.L. acknowledges support by the Research Foundation—Flanders (‘Fonds voor Wetenschappelijk Onderzoek—Vlaanderen’ (nos. G066215N, G0D5117N and G0B9317N)) and by the European Union’s Horizon 2020 project MOOD (no. 874850). T.L. is funded by The National Natural Science Foundation of China Excellent Young Scientists Fund (Hong Kong and Macau; no. 31922087). We thank originating laboratories at South China Agricultural University (Y. Shen, L. Xiao and W. Chen; no. EPI_ISL_410721) and Beijing Institute of Microbiology and Epidemiology (W.-C. Cao, T.T.-Y.L., N. Jia, Y.-W. Zhang, J.-F. Jiang and B.-G. Jiang, nos. EPI_ISL_410538, EPI_ISL_410539, EPI_ISL_410540, EPI_ISL_410541 and EPI_ISL_410542) for the use of sequence data via the GISAID platform.\nThe authors declare no competing interests.\nPublisher’s note Springer Nature remains neutral with regard to jurisdictional claims in published maps and institutional affiliations.\nExtended Data Fig. 1 Phylogenetic relationships in the C-terminal domain (CTD).\nPosterior means (horizontal bars) of patristic distances between SARS-CoV-2 and its closest bat and pangolin sequences, for the spike protein’s variable loop region and CTD region excluding the variable loop. Boxes show 95% HPD credible intervals. Means and 95% HPD intervals are 0.080 [0.058–0.101] and 0.530 [0.304–0.780] for the patristic distances between SARS-CoV-2 and RaTG13 (green) and 0.143 [0.109–0.180] and 0.154 [0.093–0.231] for the patristic distances between SARS-CoV-2 and Pangolin 2019 (orange). Gray inset shows majority rule consensus trees with mean posterior branch lengths for the two regions, with posterior probabilities on the key nodes showing the relationships among SARS-CoV-2, RaTG13, and Pangolin 2019.\nExtended Data Fig. 2 Lack of root-to-tip temporal signal in SARS-CoV-2.\nRoot-to-tip divergence as a function of sampling time for non-recombinant regions NRR1 and NRR2 and recombination-masked alignment set NRA3. The plots are based on maximum likelihood tree reconstructions with a root position that maximises the residual mean squared for the regression of root-to-tip divergence and sampling time.\nExtended Data Fig. 3 Priors and posteriors for evolutionary rate of SARS-CoV-2.\nPosterior rate distributions for MERS-CoV (far left) and HCoV-OC43 (far right) using BEAST on n = 27 sequences spread over 4 years (MERS-CoV) and n = 27 sequences spread over 49 years (HCoV-OC43). As illustrated by the dashed arrows, these two posteriors motivate our specification of prior distributions with standard deviations inflated 10-fold (light color). These rate priors are subsequently used in the Bayesian inference of posterior rates for NRR1, NRR2, and NRA3 as indicated by the solid arrows.\nExtended Data Fig. 4 TMRCAs for SARS-CoV and SARS-CoV-2.\nDivergence time estimates based on the three regions/alignments where the effects of recombination have been removed. The red and blue boxplots represent the divergence time estimates for SARS-CoV-2 (red) and the 2002-2003 SARS-CoV (blue) from their most closely related bat virus, with the light- and dark-colored versions based on the HCoV-OC43 and MERS-CoV centered priors, respectively. Green boxplots show the TMRCA estimate for the RaTG13/SARS-CoV-2 lineage and its most closely related pangolin lineage (Guangdong 2019), with the light and dark coloured version based on the HCoV-OC43 and MERS-CoV centred priors, respectively. TMRCA estimates for SARS-CoV-2 and SARS-CoV from their respective most closely related bat lineages are reasonably consistent for the different data sets and different rate priors in our analyses. Posterior means with 95% HPDs are shown in Supplementary Information Table 2.\nExtended Data Fig. 5 Comparisons of GC content across taxa.\nConducting analogous analyses of codon usage bias as Ji et al. (2020) with additional (and higher quality) snake coding sequence data and several miscellaneous eukaryotes with low genomic GC content failed to find any meaningful clustering of the SARS-CoV-2 with snake genomes (a). Instead, similarity in codon usage metrics between the SARS-CoV-2 and eukaryotes analyzed was correlated with coding sequence GC content of the eukaryote, with more similar codon usage being identified in eukaryotes with low GC content similar to that of the coronavirus (b).\nSupplementary Tables 1–3 and Figs. 1–10.\nRights and permissions\nAbout this article\nCite this article\nBoni, M.F., Lemey, P., Jiang, X. et al. Evolutionary origins of the SARS-CoV-2 sarbecovirus lineage responsible for the COVID-19 pandemic. Nat Microbiol 5, 1408–1417 (2020). https://doi.org/10.1038/s41564-020-0771-4\nThis article is cited by\nIntragenomic rearrangements involving 5′-untranslated region segments in SARS-CoV-2, other betacoronaviruses, and alphacoronaviruses\nVirology Journal (2023)\nCrystal structure of the CoV-Y domain of SARS-CoV-2 nonstructural protein 3\nScientific Reports (2023)\nThe species coalescent indicates possible bat and pangolin origins of the COVID-19 pandemic\nScientific Reports (2023)\nA review of current effective COVID-19 testing methods and quality control\nArchives of Microbiology (2023)\nAssociation of underlying comorbidities and progression of COVID-19 infection amongst 2586 patients hospitalised in the National Capital Region of India: a retrospective cohort study\nMolecular and Cellular Biochemistry (2023)", "label": "No"}
+{"text": "International Legal Rights of the Jewish People and the State of Israel\nIn international law, as in all law, there are always two sides to a question. If this were not the case, there would be little need for legal solutions. Moreover, both parties in any conflict believe the right is on their side, or at least that they have means to prove this to be so. Accordingly, no law is ever created in a vacuum; a law is created when a serious enough need arises. In 1917, owing to the events of World War I, a serious need was identified and a voice was raised. The need was that of the Jewish people, dispersed across the earth for some two thousand years, to have a national home. The voice was that of Lord Balfour, speaking on behalf of the British War Cabinet in defense of the Jewish people worldwide. This compelling need found official expression in the Balfour Declaration of 1917. The Balfour Declaration was a political statement with no legal authority; moreover, it was not international. Nonetheless it was a major turning point in the history of the dispersed Jewish people, giving them a future hope of eventually fulfilling their never dying longing for their ancient Holy Land. What it accomplished was to raise the profile, internationally, of the need of a stateless people to have a “national home” to which they could return. Of monumental significance was the official recognition of the all-important historic, religious and cultural links of the Jews to the land of their forefathers, the land that had come to be known under the Greeks and Romans as “Palestine”. Because the cause was just and the concept justified, there needed to be a way to elevate the content of this Declaration to the level of international law. Accordingly, the matter was taken up by the Supreme Council of the Principal Allied and Associated Powers (Britain, France, Italy, Japan and the United States) at the Paris Peace Conference in 1919 (there was also the Faisal Weizmann Agreement of January 1919 - which stipulated that all of Palestine as historically maped is the territory of the Jewish people). The issue became more complex as submissions for territorial claims were presented by both Arab and Jewish delegations, as the old Ottoman Empire was being apportioned out to the victorious Powers; thus the matter was not able to be settled within the time frame of the Paris Conference. What did happen at the Paris Conference that factored into the progression of events we are considering here was the establishment of the League of Nations which, in Article 22 of its Covenant, provided for the setting up of a mandate system as a trust for the Old Ottoman territories. The next important milestone on the road to international legal status and a Jewish national home was the San Remo Conference, held at Villa Devachan in San Remo, Italy, from 18 to 26 April 1920. This was an ‘extension’ of the Paris Peace Conference of 1919 for the purpose of dealing with some of these outstanding issues. The aim of the four (out of five) members of the Supreme Council of the Principal Allied and Associated Powers that met in San Remo (the United States being present as observer only, owing to the new noninterventionist policy of President Woodrow Wilson), was to consider the earlier submissions of the claimants, to deliberate and to make decisions on the legal recognition of each claim. The outcome, relying on Article 22 of the Covenant of the League of Nations, was the setting up of (3) three mandates, one over Syria and Lebanon (later separated into two mandates), one over Mesopotamia (Iraq), and one over Palestine.\nThe Mandate for Palestine was entrusted to Great Britain, as a “sacred trust of civilization” in respect of “the establishment in all of Palestine of a National Home for the Jewish people”.\nThis was a binding resolution with all the force of international law.\nIn two out of the original three Mandates, it was recognized that the indigenous people had the capacity to govern themselves, with the Mandatory Power merely assisting in the establishment of the institutions of government, where necessary. This was not true of Palestine, as Palestine was, under the Mandate, to become a homeland (“national home”) for the Jewish people. Although the Jewish people were part of the indigenous population of Palestine, the majority of them at that time were not living in the Land. The Mandate for Palestine was thus quite different from the others and set out how the Land was to be settled by Jews in preparation for their forming a viable nation in the territory then known as “Palestine”. The unique obligations of the Mandatory to the Jewish people in respect of the establishment of their national home in all of Palestine thus gave a sui generis (unique, one of a kind) character to the Mandate for Palestine.\nThe boundaries of the “Palestine” referred to in the claimants’ submissions included territories west and east of the Jordan River.\nThe submissions of the Jewish claimants specified that the ultimate purpose of the mandate would be the “creation of an autonomous commonwealth”, provided “that nothing must be done that might prejudice the civil and religious rights of the non-Jewish communities at present established in Palestine”. The resulting Mandate for Palestine, approved by the Council of the League of Nations in July 1922, was an international treaty and, as such, was legally binding. The decision made in San Remo was a watershed moment in the history of the Jewish people who had been a people without a home for some two thousand years. From the perspective of Chaim Weizmann, president of the newly formed Zionist Organization and later to become the first President of the State of Israel, “recognition of our rights in Palestine is embodied in the treaty with Turkey, and has become part of international law. This is the most momentous political event in the whole history of our movement, and it is, perhaps, no exaggeration to say in the whole history of our people since the Exile.” To the Zionist Organization of America, the San Remo Resolution “crowns the British [Balfour] declaration by enacting it as part of the law of nations of the world.” The policy to be given effect in the Mandate for Palestine was consistent with the Balfour Declaration, in significantly recognizing the historic, cultural and religious ties of the Jewish people to the Holy Land, and even stronger than the Declaration through the insertion of the fundamental principle that Palestine should be reconstituted as the national home of the Jewish people. It is particularly relevant to underline the inclusion in the terms of the Mandate (through Article 2) of the fundamental principle set out in the Preamble of this international agreement that “recognition has thereby been given to the historical connection of the Jewish people with Palestine and to the grounds for reconstituting their national home in that country”. The primary objective of the Mandate was to provide a national home for the Jewish people—including Jewish people dispersed worldwide—in their ancestral home.\nThe Arab people, who already exercised sovereignty in a number of States, were guaranteed protection of their civil and religious rights under the Mandate as long as they wished to remain, even after the State of Israel was ultimately formed in 1948. Moreover, a new State; Trans-Jordan was meanwhile added as a territory under Arab sovereignty, carved out of the very mandated territory allocated to the Jewish people at issue, by the British, prior to the actual signing of the Mandate in 1922 (see below). When the Council of the League of Nations approved the Mandate for Palestine in July 1922, it became binding on all 51 Members of the League.\nThis act of the League enabled the ultimate realization of the long cherished dream of the restoration of the Jewish people to their ancient land and validated the existence of historical facts and events linking the Jewish people to Palestine. For the Supreme Council of the Principal Allied Powers, and for the Council of the League of Nations, these historical facts were considered to be accepted and established.\nIn the words of Neville Barbour, “In 1922, international sanction was given to the Balfour Declaration by the issue of the Palestine Mandate”. The rights granted to the Jewish people in the Mandate for Palestine were to be given effect in all of Palestine. It thus follows that the legal rights of the claimants to sovereignty over the Old City of Jerusalem similarly derive from the decisions of the Supreme Council of the Principal Allied Powers in San Remo and from the terms of the Mandate for Palestine approved by the Council of the League of Nations.\nIn March 1921, in Cairo, Great Britain decided to partition the mandated territory of Palestine, for international political reasons of its own. Article 25 of the Mandate gave the Mandatory Power permission to postpone or withhold most of the terms of the Mandate in the area of land east of the Jordan River (“Trans-Jordan”). Great Britain, as Mandatory Power, exercised that right. For former UN Ambassador, Professor Yehuda Zvi Blum, the rights vested in the Arab people of Palestine with respect to the principle of self-determination were fulfilled as a result of this initial partition of Palestine approved by the Council of the League of Nations in 1922. According to Professor Blum: “The Palestinian Arabs have long enjoyed self-determination in their own state – the Palestinian Arab State of Jordan”. (Worth mentioning here, in a letter apparently written on 17 January 1921 to Churchill’s Private Secretary, Col. T.E. Lawrence (“of Arabia”) had reported that, in return for Arab sovereignty in Iraq, Trans-Jordan and Syria, King Hussein’s eldest son, Emir Feisal—a man said by Lawrence to be known for keeping his word—had “agreed to abandon all claims of his father to Palestine”.) After this partition, Churchill—British Colonial Secretary at the time— immediately reaffirmed the commitment of Great Britain to give effect to the policies of the Balfour Declaration in all the other parts of the territory covered by the Mandate for Palestine west of the Jordan River.\nThis pledge included the area of Jerusalem and its OldCity. In Churchill’s own words: “It is manifestly right that the Jews who are scattered all over the world should have a national centre and a national home where some of them may be reunited. And where else could that be but in the land of Palestine, with which for more than three thousand years they have been intimately and profoundly associated?” Thus, in a word, the primary foundations in international law for the “legal” claim based on “historic rights” or “historic title” of the Jewish people in respect of Palestine are the San Remo decisions of April 1920, the Mandate for Palestine of July 1922, approved by the Council of the League of Nations and bearing the signatures of those same Principal Allied Powers but rendering it an international treaty binding on all Member States, and the Covenant of the League of Nations itself (Art. 22).\nRe: Israel – To whom it may concern in Europe, Asia, Far East, the US and elsewhere:\nWe are tired of hearing that withdrawal from Judea and Samaria will bring peace. We know and you know that it would bring another Gaza. So stop saying it and promoting this fallacy. Past experience has proven that concessions, appeasement and land for peace only increased terror, violence and more conflict and hostilities.\nWe are tired of hearing that land beyond the Green Line is ‘Arab-Palestinian land’. The Green Line is simply an armistice line that has no political significance. You know this too. The San Remo Treaty of 1920 Granted the Mandate for Palestine to the Jewish people, the same Allied powers also established 21 Arab States and one Jewish State – The Arabs are not willing to give up any part of the 21 Arab States and the Jews are not willing to give up any part of the Jewish State.\nWe are tired of hearing about the “Arab-Palestinian people.” They are no different from the Arabs of Syria or Egypt, from which most of their ancestors migrated in the last 150 years or so. There is no Arab-Palestinian language or religion, and until very recently they considered themselves simply ‘Arabs’. Their culture is almost entirely defined by their opposition to the Jewish State. Teaching hate, violence and terror to their children. There never was an Arab-Palestinian State or people in History. The Arab Palestinians have a State in Jordan which is 80% of the land originally allocated to the Jewish people under the San Remo Treaty of 1920 and in violation of the 1919 Faisal Weizmann Agreement.\nWe are tired of hearing that “the Arab-Palestinians deserve a state.” We are indigenous here, not them, and their behavior entitles them more to a trial at The Hague than to a State. The Arab- Palestinians have a State it is called Jordan which was carved out of Jewish allocated land in 1922, in violation of the treaty of 1920.\nAnd they certainly don’t deserve our Jewish State, which is the only State they want. They already took 80% of Jewish allocated land which is Jordan, a country that never existed in history before WWI. Israel also gave them the Gaza Strip which became a terrorist entity.\nWe are tired of hearing about ‘The Occupation’, it is \"Liberated Jewish Land\". As Minister Naftali Bennett said the other day, you can’t be an occupier in your own land. The Arabs are the occupiers, Greater Israel has been a Jewish State for 4,000 years even if it was temporarily conquered and occupied by various nations over the centuries.\nWe are tired of hearing that “settlements are illegal under international law.” They are not. The San Remo Treaty of 1920 explicitly stated that Jewish people can reside anywhere in the Mandate for Palestine, those terms have not been abrogated and are set in perpetuity.\nWe are tired of hearing that “settlement construction is an obstacle to peace.” Arab rejectionism, destruction, violence, terrorism and suicide bombing is the reason there is no peace. When the Arab-Palestinians teach and preach hate, terror and destruction to their children, this is definitely not a road to peace and coexistence.\nBy the way, we are pro-peace. We are just not pro-suicide and self destruction.\nWe are tired of hearing about the 5 million (or whatever ridiculous number there are alleged to be) ‘Arab-Palestinian refugees’ or the ‘Arab-Palestinian Diaspora’. There were about 600,000 Arabs that left their homes in 1948, mostly of their own volition, more or less at the same time as the over a million families Jewish refugees from Arab countries, of which the Arabs confiscated all their assets personal valueables, businesses, homes and land (120,000 sq. km. which is 6 times the size of Israel) and assets totaling trillions dollars. We resettled ours with limited land and resources — resettle yours (on the land and homes you confiscated from the Jewish people), the 21 Arab states have more land and resources. The Arab dis-information must be ignored and countered.\nWe are tired of hearing anything from anyone associated with the U.N. The U.N. is a parasitic and criminal enterprise dominated by our mortal enemies. The U.N. cannot create states, it can only recommend a non-binding resolution with no legal standing and so can other nations only recommend and not create a state that never existed before in history. If they want an Arab-Palestinian state, it already exists, it is Jordan which has taken 80% of Jewish allocated land. They also have the land the Arabs Countries confiscated from the Jewish people which is 6 times the size of Israel.\nWe are tired of stupid post-colonialist rhetoric. We are not ‘colonists’ and Arabs do not have the right to murder us in the name of ‘resistance’ or beheading Jewish Rabbi’s in Jerusalem’s Har Nof Synagogue. Talking this way reveals you as moral imbeciles. They train their children to be suicide bombers and terrorists. The Arabs are the colonialists, they have colonized the whole Middle East and they are taking over Europe.\nYou can not recognize a state and people that never existed and that has no borders, no single government, and no economy. They are not trusted by the Arab states either.\nWe know we can not depend on any kind of security guarantee from anyone except the Israel Defense Forces. So stop being insulted because we do not trust you. And do not ask us to give up any nuclear weapons we might or might not have or any other method and technology that could help protect us.\nIf you hate us so much, give us back all our Medical technology that saved your lives. Give us back all our technology development that helped you advance economically and the list goes on and on.\nWe know that the left-wing parties in Israel are bankrupt of ideas. We are not going to vote for them, no matter how much you would like us to. So do not bother trying to influence our election. We will only vote for a government that protects its people and cares about the Jewish heritage, more than it cares for world opinion.\nDon’t believe what you read in Ha’aretz newspaper, they represent a minority that has no allegiance to the Jewish heritage.\nJerusalem, undivided, is the capital of the Jewish State of Israel. Get used to it, because you can’t change it, the Jewish temple will be rebuilt in Jerusalem. It was never a Capital of any other nation.\nOrdinary Israelis who care about their heritage and ancestry.\nThe Arab-Palestinian state is in Jordan. The Arabs have no legal claim to any territory west of the Jordan river. Jordan's territory was taken away from the Jewish people and given to the Arabs as their state in violation of the San Remo Treaty of 1920. The Arabs can also move to the million Jewish homes the Arabs confiscated from the Jewish people who were expelled from the Arab countries.\nThe legal uncontested claim of Israel to the Jewish Land in the Mandate for Palestine.\nWhen the U.N. passes a resolution it is only a recommendation. If accepted by the parties it becomes a valid agreement and or Treaty.\nIn the case of Israel and the Arabs, the U.N. passed a resolution in 1947 for the creation of a Jewish State and an Arab State. The Arabs did not accept the U.N. resolution of 1947 for a Jewish State and an Arab State. Thus the resolution is not binding. As such Israel's rights to the land falls back to the terms in the San Remo Treaty of 1920 which delineated The Mandate for Palestine to the Jewish people with all its terms without any deviation.\nIf anyone is contesting the legitimacy and sovereignty of the territorial boundaries assigned based on the San Remo Treaty of 1920 and the Treaty of Sevres of 1920 Article 95. You now have to contest and question the legitimacy and sovereignty including the territorial boundaries of the 21 Arab State created by the same Allied powers including Transjordan (Jordan).\nTherefore if you accept the 21 Arab State and Jordan as assigned by the Allied Powers after WWI, you must accept Israel's sovereignty and boundaries as stated in the San Remo Treaty. The San Remo Treaty of 1920 assigned the Mandate for Palestine entirely which includes Jerusalem to the Jewish people. The terms of the San Remo Treaty of 1920 are valid in perpetuity.\nIf you cannot live together and you the Arabs pursue, hate terror and violence, than the only solution is a population transfer.\n“Historically, there was an exchange of populations in the Middle East and Europe (over 100 million) and the number of displaced Jews exceeds the number of Arab-Palestinian refugees. Most of the million Jews were expelled as a result of an open policy of anti-Semitic incitement and even ethnic cleansing. However, unlike the Arab refugees, the Jews who fled are a forgotten case because of a combination of international cynicism and domestic Israeli suppression of the subject (recently the government of Israel has set a day for the memory of the million Jewish refugees from Arab countries). The Arab-Palestinians are the only group of refugees out of the more than one hundred million who were displaced after World War II and are intentionally remain as refugees and who have a special UN agency that, according to its mandate, cannot but perpetuate their tragedy. An open debate about the forced exodus of the million terrorized Jewish families is critical for countering the Arab/Palestinian demand for the “right of return” or right to stay and will require a more objective scrutiny of the myths about the origins of the Arab-Israeli conflict.”\nPresident Donald Trump. Are you willing to help set-up and approve a terrorist Arab State in the United State? Your actions and deeds show you do not! Why would you want Israel to permit an Arab terrorist State in Judea and Samaria? Just see the results of giving the Arabs control of Gaza, which is now a terrorist entity that launches thousands of rockets at Israel and threatens its safety and security.\nNo sane leader or government would permit such a move or it will be replaced.\nThe same applies to many other Democratic countries, they would not put a terrorist entity in their midst.\nUnited States is \"occupied\" territory - Not Jerusalem or Judea and Samaria (The whole territory of the Historical Land of Israel)\nWashington, D.C., New York City, Chicago, Los Angeles, etc is far more of an \"occupied\" capital or territory than Jerusalem (Jerusalem and Judea and Samaria have thousands of years of Jewish history and habitation).\nEuropeans after creating new settlements, conquered an entire continent of North America, annihilated most of the natives, extracted its natural resources, kicked out the Mexicans and called it \"America,\" claiming first “Philadelphia” and afterwards, the city of Washington as its capital.\nOver six hundred thousand people died in the American Civil War that prevented the South from seceding and breaking apart the United States.\nAs regards the rest of the world, Jerusalem is the oldest capital in the world, and it belongs to the Jewish people.\nThe world does not recognize Jerusalem as the Jewish capital, because the world does not recognize the right of Jews to exist.\nThose liberal Jews in USA and Europe and elsewhere who pander to the non-Jews by endorsing views that deny or compromise the Jewish sovereignty over The Historical Land of Israel and hoping that they would be \"acceptable\" are deluding themselves, they live in fantasy world, not reality. It did not help with Nazi Germany who exterminated over 6 million Jews, men, women and children; or in the past 2,500 years in the Diaspora, when the Jews were persecuted, tortured, murdered and discriminated and it will not help them today.\nThe Arabs/Muslims were allocated after WWI over 12 million sq. mi. with a wealth of oil reserves and the Jewish people were allocated 120,000 sq. km. of their historical territory and today they have only about 21,000 sq. km., but the Arabs/Muslims and the world nations begrudge even that small peace of our Jewish historical territory. The world nations stood idle and silent while The Arabs/Muslims terrorized, murdered and expelled over a million Jewish families with their children and confiscated all their assets, including personal valuables, businesses, homes and over 120,000 sq. km. of Jewish owned Real Estate for over 2,500 years (valued in the trillions of dollars); where was the world nations cries and demand for justice and return of Jewish Homes and Real Estate then and where are they now.\nMost of the expelled Jewish families from Arab/Muslim countries were resettled in The Land of Israel, and today comprise over half the population. The European nations had better refrain from demanding that Jewish people in Israel should give up their historical land to the Arabs; since the European nations have taken over the Jewish assets, personal property (Gold, Silver, Artifacts, etc.), businesses, homes and Real Estate and many of those Jewish people and their descendants and heirs were also resettled in The Historical Land of Israel.\nWe the Jewish people returned to the occupied and desolate Land of Israel in the 1800’s and joined our Jewish brethren to re-blossom, revitalize and turn it into green pastures, with great economic infrastructure, industry and housing, after much toil and hard work with the help in infusion of capital and resources by our brethren in the Diaspora. We are proud and thankful to have back our historic sovereign Jewish country with an Army that can defend itself properly.\nWe will not surrender our land to nobody. (We should be thankful to the almighty that we are in a similar position today as we were during the time of King David). The world as whole needs Israel and The Jewish people, more than the Jewish people need the world.\nLook at history every nation or society that let the Jewish people thrive and flourish, they thrived and flourished also. When a nation or society harassed, terrorized, murdered and discriminated against the Jewish people in their country, the country declined and its power and economy diminished greatly, if not disappeared altogether.\nToday's time is not like the Bolshevik era when Jews were persecuted and murdered or Nazi Germany when Jews tried to escape Nazi extermination Camps, they had nowhere to go for sanctuary; even The Jewish Land of Israel aka Palestine was illegally blocked by the British.\nToday the Jews have the sovereign State Israel, with its strong defense, advance technology and Medical innovations that the whole world relies on.\nMay we be granted and merit the honor to live and see the rebuilding of The Jewish Temple in its previous holy site on Temple Mount also known as Mount Moriah.\nNo Jew or Jewish government has the right to evict Jews from their historical land in Greater Israel. “Israel, including Judea and Samaria, and the land east of the Jordan River has been the land of the Jewish people since time immemorial, over 30 centuries. Judea means Land of the Jews. Never in the history of the world has there been an autonomous state in the area that was not Jewish.” There has never been a Nation known as Arab Palestine. The Arabs received over five million sq. mi. – 12 million sq. km. of territory with a wealth of oil reserves, but that was not enough. Violating international law and treaty the British allocated over three quarters of Jewish allocated land to the Arabs as the new Arab state of Jordan. Now the Arabs want more; they will not stop until they have all of Israel without the Jews. The Arab countries expelled over a million Jewish families and confiscated all their assets including businesses, homes and over 46,332 sq. mi. (about 120,000 sq. km. which is 6 times the size of Israel) of Jewish owned land for over 25 centuries. The Faisal Weizmann Agreement of January 1919 stipulated that all of Palestine is Jewish territory. No Jews are allowed to live in Jordan or in the West Bank area controlled by the Arab Palestinian Authority – Now you see it is the Arabs who are committing ethnic cleansing, just like they cleansed over a million Jewish families from Arab countries and now they are cleansing the millions of Christians and others.\nThe Oslo Accord is null and void as Abbas stated in the summer of 2015 at the U.N.\nYou; the Arabs have murdered the Jews and others and now you want to inherit them?\nIn view of past history of persecution; Israel and the Jews have an obsolete obligation to defend themselves at all costs. NEVER AGAIN. It must be in action not just words. No capitulation to the bias world.", "label": "No"}
+{"text": "For the past ~40,000 years, Homo sapiens — modern humans — has been the only Homo species on Earth. But for most of our history, there were close evolutionary cousins of ours, human but not quite like us, coexisting and evolving at the same time in different regions.\nSome of our now-extinct relatives, such as the Neanderthals, are well known. Others, like the recently-discovered Denisovans or Homo naledi have hardly made it into textbooks yet. And hints of even more human forms have been found in incomplete fossils and genetic patterns, although these relatives are poorly understood. Modern humans were just one of many variations on the Homo theme.\nNow, as cutting-edge techniques uncover new evidence and reassess old finds, we’re closer to knowing how many types of humans coexisted with our ancestors.\nMaking the Count\nIt’s well-established that modern humans mingled with Neanderthals and Denisovans. DNA convincingly shows the three lineages interbred in every combo: modern human/Neanderthal, modern human/Denisovan and Neanderthal/Denisovan. And if anthropologists’ interpretations are correct, we also shared the planet with Homo floresiensis, H. naledi and H. luzonensis as well as perhaps some late-surviving H. erectus. Fossils of Homo sapiens and these species overlap in time, but were geographically separated by vast distances. It’s unclear if our ancestors actually set eyes on them. Lastly, genetic patterns suggest a few more lineages in the mix (here, here), which have not yet been linked to physical fossils. For now, they’re known as ghost populations.\nThat brings us to seven or more types of humans since the dawn of our species, some 300,000 years ago. As a matter of convention, I refer to all Homo species as humans.\nNow, some caveats.\nI’m confident that number will increase in the coming years. Denisovans, H. naledi and H. luzonensis were just unveiled this decade, thanks to new excavations and — in the case of Denisovans — ancient DNA (aDNA). This relatively new technology has tremendous potential for discovering extinct lineages. In the past, anthropologists would debate if a toe bone or tooth looked similar enough to our own to be one of us. But aDNA can place fossils firmly on the evolutionary tree. For instance, the first Denisovan find was a mere pinky bone. No one would have guessed that unassuming fossil came from a previously-unknown branch of human evolution. But that’s where its DNA landed: on a lineage that diverged from modern humans over 520,000 years ago and then from Neanderthals roughly 400,000 years ago.\nNext, I’m counting Homo varieties that inhabited Earth after the time when Homo sapiens actually became a species. The earliest bones widely accepted as members of our species date to 315,000 years ago from Jebel Irhoud, Morocco. The next-oldest come from the Ethiopian sites of Herto and Omo Kibish at 160,000 and 195,000 years ago, respectively. Consistent with genetic studies that estimate when all living people shared ancestors, ~300,000 is a solid back-of-the-envelope start date for our species (if, like me, you make evolutionary timelines on scraps of paper).\nBut human origins began long before modern humans. The ancestors of chimpanzees and humans parted ways over 6 million years ago. Since then, the branch that modern humans are on has included many species called hominins. Some continued evolving to become present-day people; most went extinct.\nEarly hominins, which resembled upright walking apes, included Sahelanthropus, Ardipithecus and Australopiths like the Lucy fossil. By 2.8 million years ago certain hominins had sufficiently large brains and modern-looking anatomies for anthropologists (somewhat arbitrarily) to classify them as members of our genus Homo — or as we call them, humans. For millions of years, Earth sustained numerous coexisting types of hominin, and then human. So the question, “how many contemporaries did we have?” depends on the timeframe.\nSince Homo sapiens emerged, seven or more human types inhabited the planet. Today, we’re the only ones left. It’s an odd time in human evolution.", "label": "No"}
+{"text": "What is ADHD?\nfrom The Diary of a First Grade Teacher\nWhat is ADHD? It's a term you’ve probably heard before ... In the past, it was used freely and applied to anyone who had trouble focusing on ANY one thing at a time.\nBut that’s not a fair and reliable method to determine if someone really has ADHD. To know for sure requires a clinical diagnosis.\nADHD stands for \"attention deficit-hyperactivity disorder.” Some people use it interchangeably with the term, ADD, but they shouldn’t confuse the two.\nADD stands for “attention deficit disorder” and refers to people who have attention deficit, but there’s no hyperactivity involved with it.\nLearning more about what ADHD is and isn’t can help you determine if your child needs testing.\nWhat is ADHD?\nIn the Classroom ...\nTeachers are often asked, \"What is ADHD?\" Parents want to know not only what it is, but specifically how can it affect a child in the classroom.\nA child with undiagnosed ADHD will likely have difficulty of some kind or other. And while teachers can and will tell you about your child’s school behavior, we do not make clinical diagnoses ...\nBut when a teacher sees a student constantly struggling - having problems concentrating and paying attention - we report it to you.\nAs teachers and parents we know that over the course of any typical day any child may experience restlessness and inattentiveness, especially if the child is tired, sleepy, or sick.\nSo, how can you tell the difference between the two?\nTo see what sets people with ADHD apart, health professionals look at the area of the brain responsible for clarity, mental focus, and activity. What they’ve discovered may be surprising to you …\nThe brains of people with ADHD are wired differently.\nThis means that even when the child tries to “settle down,” his mind just doesn’t want to comply. You can tell him to relax, focus, and pay attention all day long, but he’s incapable of making his mind and body cooperate.\nSo the question is - as a parent or guardian - how do you know if your child is suffering from a normal bout of fidgeting or really has ADHD?\nSigns and Symptoms of ADHD\nThere are three main categories of ADHD: hyperactivity, inattention and impulsivity. Each has similar symptoms, but they can be distinguished enough to determine if your child has one, two, or all three of the components.\nSigns of Hyperactivity\nSigns of Impulsivity\nIf your child has exhibited any of these signs day in and day out – at school and at home - the next step is to seek more information.\nYou can ask the counselor or the social worker at your child’s school if they can help you. Chances are good they can OR they will have resources available to refer you to someone for testing.\nA professional assessment can give you more information into the condition and answer any questions you may have. No one wants to see a child hurting in any way, including struggling to learn.", "label": "No"}
+{"text": "Why does the Torah need to add \"Kein Tarimu Gam Atem\"?\nRashi: To teach the Levi'im that they are required to separate Terumah from their Ma'aser just as Yisrael separate Terumah from their crops - because Ma'aser is their (the Levi'im's) inheritance.\nMoshav Zekenim (from Gitin 23b): Just like you are a Yisrael, also your Shali'ach must be a Yisrael.\nWhy does the Torah say \"le'Aharon ha'Kohen\" (who never entered Eretz Yisrael)?\nTorah Temimah #1 (citing Sanhedrin, 90b): This teaches us that, one day, Aharon will come back to life and we will give him Terumah - in Eretz Yisrael! 1\nTorah Temimah #2 (citing Sanhedrin, 90b): This teaches us that one should give one's Matnos Kehunah to a Kohen Talmid-Chacham (like Aharon ha'Kohen), and not to an Am ha'Aretz.\nA hint at Techiyas ha'Meisim.", "label": "No"}
+{"text": "Tarkulha Devi Temple is a Hindu temple located in the city of Deoria in the state of Uttar Pradesh, India. The temple is dedicated to Goddess Tarkulha Devi, who is considered to be a form of Goddess Durga. The temple is situated on the banks of the Tons River and is surrounded by lush green forests. It is believed that the temple was built over 500 years ago by a saint named Baba Balak Nath. The temple is a popular pilgrimage site, especially during the Navratri festival when devotees from all over the country come to offer prayers and seek blessings from the goddess.\nThe architecture of the temple is unique, with intricate carvings and paintings adorning the walls and ceilings. The main deity of the temple, Tarkulha Devi, is depicted as a fierce warrior goddess riding a lion, holding weapons in her multiple arms. The temple also has other idols of various Hindu gods and goddesses. Visitors to the temple can also take a dip in the Tons River, which is considered to be holy and believed to have healing properties. The temple complex also has a number of small shops selling religious items and souvenirs.\nTarkulha Devi Temple is a must-visit destination for those interested in exploring the rich cultural and religious heritage of India.\nHistory of Tarkulha Devi Temple\nThe history of Tarkulha Devi Temple is believed to date back to over 500 years. According to legends, the temple was built by a saint named Baba Balak Nath who was a devotee of Goddess Durga. Baba Balak Nath is said to have come to this place while on his spiritual journey and was impressed by the natural beauty of the place. He then decided to build a temple here in honor of Goddess Durga.\nAnother legend associated with the temple is that during the ancient times, a demon named Tarkasur was causing havoc and terrorizing the people in this region. The people, unable to defeat the demon, prayed to Goddess Durga for help. The goddess appeared before them and battled with the demon for nine days and finally killed him on the tenth day, which is celebrated as Vijayadashami or Dussehra. It is believed that the temple was built at the spot where the demon was killed.\nOver the years, the temple has undergone several renovations and reconstructions. The temple complex has been expanded and new structures have been added to accommodate the growing number of devotees. In recent times, the temple has also been equipped with modern facilities such as guesthouses, canteens, and parking facilities to make it more convenient for visitors.\nToday, Tarkulha Devi Temple is a popular pilgrimage destination and is visited by devotees from all over India. The temple has played an important role in preserving the rich cultural and religious heritage of India and continues to be an important center of worship and spirituality.\nArchitecture of Tarkulha Devi Temple\nThe architecture of Tarkulha Devi Temple is a blend of different styles that have evolved over the centuries. The temple is built in the North Indian architectural style and is made of red sandstone and marble. The temple has several intricate carvings and paintings adorning the walls and ceilings.\nThe temple has a rectangular layout with a high central tower called the shikhar. The shikhar is adorned with intricate carvings and is topped with a golden kalash. The entrance to the temple is through a large gateway that has intricate carvings and paintings of various Hindu deities.\nInside the temple, the main deity, Tarkulha Devi, is placed on a high pedestal and is flanked by smaller idols of other Hindu gods and goddesses. The deity is depicted as a fierce warrior goddess riding a lion and holding various weapons in her multiple arms.\nThe temple complex also has several smaller shrines dedicated to other Hindu gods and goddesses. The complex has a large courtyard that is surrounded by a pillared arcade. The arcade has several shops selling religious items and souvenirs.\nOverall, the architecture of Tarkulha Devi Temple is a beautiful example of North Indian temple architecture and is a testament to the rich cultural heritage of India. The intricate carvings, paintings, and sculptures in the temple are a treat for the eyes and showcase the skill and craftsmanship of the artisans who built the temple.\nFestivals of Tarkulha Devi Temple\nTarkulha Devi Temple celebrates several festivals throughout the year, some of which are:\n- Navratri: Navratri is a nine-day festival that celebrates the victory of good over evil. It is dedicated to Goddess Durga and is celebrated with great enthusiasm at Tarkulha Devi Temple. During Navratri, the temple is decorated with flowers and lights, and devotees perform special pujas and rituals to seek the blessings of the goddess.\n- Dussehra: Dussehra is a ten-day festival that culminates in the celebration of Vijayadashami, which marks the victory of Lord Rama over the demon king Ravana. At Tarkulha Devi Temple, a special Dussehra procession is held, and an effigy of Ravana is burnt to signify the triumph of good over evil.\n- Diwali: Diwali is a five-day festival that celebrates the victory of light over darkness. At Tarkulha Devi Temple, the temple is decorated with lights and diyas, and devotees offer prayers to seek the blessings of Goddess Lakshmi.\n- Holi: Holi is a colorful festival that celebrates the arrival of spring. At Tarkulha Devi Temple, devotees celebrate Holi by throwing colors and flowers and singing devotional songs.\n- Maha Shivratri: Maha Shivratri is a festival dedicated to Lord Shiva. At Tarkulha Devi Temple, devotees offer special prayers and perform pujas to seek the blessings of Lord Shiva.\nApart from these festivals, other important events such as Hanuman Jayanti, Janmashtami, and Ram Navami are also celebrated at Tarkulha Devi Temple with great fervor and enthusiasm.\nAttraction Near Tarkulha Devi Temple\nTarkulha Devi Temple is located in the state of Uttar Pradesh, India. It is a popular religious site and there are several attractions near the temple that you can visit. Here are some of the top attractions near Tarkulha Devi Temple:\n- Chitrakoot: Chitrakoot is a town located near Tarkulha Devi Temple, known for its religious significance and natural beauty. It is believed to be the place where Lord Rama spent his exile period. There are several temples and ghats in Chitrakoot that you can visit.\n- Bharat Milap Temple: The Bharat Milap Temple is located in the Chitrakoot district near Tarkulha Devi Temple. It is a popular pilgrimage site for Hindus and is dedicated to the reunion of Lord Rama and his brother Bharat.\n- Gupt Godavari Caves: The Gupt Godavari Caves are a series of caves located near Tarkulha Devi Temple. These caves are believed to be the hiding place of Lord Rama and Lakshmana during their exile period.\n- Kamadgiri Temple: The Kamadgiri Temple is located in the heart of Chitrakoot and is considered to be one of the most sacred places in the town. It is believed that a visit to this temple can fulfill all your desires.\n- Ramghat: Ramghat is a popular ghat located in Chitrakoot. It is believed to be the place where Lord Rama took a dip in the river to wash away his sins. The ghat is also known for its scenic beauty.\n- Hanuman Dhara Temple: The Hanuman Dhara Temple is located on the top of a hill near Tarkulha Devi Temple. It is dedicated to Lord Hanuman and is known for its beautiful waterfall.\n- Sati Anusuya Ashram: The Sati Anusuya Ashram is located near Tarkulha Devi Temple and is believed to be the ashram where the sage Atri and his wife Anusuya lived. It is a peaceful place surrounded by natural beauty.\nThings To Do In Tarkulha Devi Temple\nTarkulha Devi Temple is a popular Hindu temple located in Tarkulha village, about 20 km from Gorakhpur city in Uttar Pradesh, India. The temple is dedicated to Goddess Kali, and is considered a sacred site by the locals. Here are some things to do in Tarkulha Devi Temple:\n- Worship at the temple: The main attraction of Tarkulha Devi Temple is the worship of the Goddess Kali. You can offer flowers, coconut, and sweets to the deity as a sign of devotion.\n- Participate in the aarti: The aarti is a daily ritual where devotees gather in the temple to sing hymns and offer prayers to the goddess. You can participate in the aarti, which takes place twice a day, at sunrise and sunset.\n- Take a dip in the Tarkulha Kund: The temple is situated near the Tarkulha Kund, which is believed to be a holy water body. It is said that taking a dip in the kund can wash away one's sins and purify the soul.\n- Explore the surroundings: Tarkulha village is surrounded by lush greenery and scenic views. You can take a walk around the village and enjoy the natural beauty of the place.\n- Attend the annual fair: Tarkulha Devi Temple hosts an annual fair during the Navratri festival. The fair attracts a large number of devotees from all over the region and is a great opportunity to experience the local culture and traditions.\n- Visit nearby attractions: Gorakhpur city, which is located about 20 km from Tarkulha village, has several other attractions that you can visit. These include the Gorakhnath Temple, Kushmi Forest Reserve, and the Chauri Chaura Memorial.\nBest Time To Visit Tarkulha Devi Temple\nThe best time to visit Tarkulha Devi Temple is during the winter season, which runs from November to February. The weather during this time is pleasant, with cool temperatures and clear skies. This makes it ideal for outdoor activities such as exploring the surroundings and taking a dip in the Tarkulha Kund.\nVisiting the temple during the Navratri festival, which usually falls in October, is also a good option as it is a time of great festivity and celebration. The temple hosts an annual fair during this time, which attracts a large number of devotees from all over the region.\nIt is advisable to avoid visiting the temple during the summer season, which runs from April to June, as the temperatures can soar and make it uncomfortable for outdoor activities. Additionally, the monsoon season, which runs from July to September, can bring heavy rainfall, which may make it difficult to explore the surroundings.", "label": "No"}
+{"text": "A transtracheal wash in dogs is a way to obtain fluid sample from your dog's lower respiratory tract. Perhaps your vet found a bronchial pattern on X-rays or suspects tracheobronchial disease and he or she feels this warrants further investigation. You may be therefore wondering what happens exactly during a transtracheal wash, whether there are risks for complications and the costs for a transtracheal wash in dogs. As the name implies, a transtracheal wash in dogs is a procedure meant to collect secretions with the help of a \"wash\" of saline. Learning more about what happens, the possible complications and costs of a transtracheal wash in dogs may help dog owners get better acquainted with this procedure.\nAn Insight into the Procedure\nThere are two different ways a tracheal wash procedure may be carried out: transoral tracheal wash (TOTW) and transtracheal wash (TTW). One choice over the other is based on the vet's preference and the characteristics of the dog in need of the procedure. Both procedures share the fact that saline is infused to help the vet retrieve airway secretions.\nThe transoral tracheal wash (TOTW) is performed on briefly anesthetized dogs who are intubated. As the name implies, \"transoral\" means through the mouth. An endotracheal tube is inserted through the mouth and a smaller endoscopic tube is thread through the tracheal tube and into the airways.\nThe scope allows the vet to visualize the trachea up to all the way down to the level of a bronchus. A small volume of saline wash will then be placed into the airway and then the fluid is aspirated back and collected. This fluid will be analyzed.\nThis procedure is mostly performed on small dogs or brachycephalic dog breeds which are known to have a trachea of decreased diameter and thick necks making it difficult to palpate the trachea and obtain a sample via transtracheal wash.\nThe main disadvantage of this procedure is the use of anesthesia (typically propofol is used), although the procedure is quick enough to just permit intubation and gain a sample. There are of course other risks associated with this procedure such as infection and damage to the trachea or main bronchi. As the dog recuperates, a slight cough may be present afterward, but this is a just a temporary side effect.\nThe transtracheal wash (TTW) is instead performed on an awake or lightly sedated dogs (dexdomitor and its reversal agent antisedan). The dog's cough reflex should remain intact despite sedation. As the name implies, \"transtracheal\" refers to being inserted directly into the trachea. In this procedure, the skin is surgically prepared and a large needle and catheter is inserted directly into the skin and then is directed down the trachea. Saline is injected into the trachea and then some fluid is aspirated back into the syringe. This fluid is then analyzed.\nThis procedure is commonly performed on medium to large dogs. While no need for anesthesia ia big plus for this procedure, the main disadvantage is the risk for complications such as lacerations and bleeding of the trachea and subcutaneous emphysema (air entering the skin of the chest wall from the neck area). In this latter case, dog owners may notice a crackling sound or a soft bulge in the dog's neck region that will subside within hours or days.\nBoth procedures carry some risks associated with the use of the saline wash and these include lowered concentration of oxygen and bronchospasm, a spasm of the bronchial smooth muscle leading to narrowed airways. Complications are more likely to occur in compromised dogs such as those with significant pulmonary dysfunction in which the pros and cons of this procedure should be therefore evaluated carefully.\nOf course, there are risks associated with the use of both sedation or anesthesia, but with proper care and monitoring, it is unusual to have complications with either type of procedure.\nDid you know? A bronchoalveolar lavage (BAL) is a another procedure that allows the vet to collect samples from deeper within the lung. It's helpful for cases of chronic airway disease. This procedure may be done should a tracheal wash fail to provide rewarding results.\nWhat are \"Floating Ribs\" in Dogs? All You Need to Know\nYou may have heard the term \"floating ribs\" in dog circles and may be wondering what this term is all about. Discover what floating ribs are in dogs and why it matters.\nEvaluating the Sample\nOnce the sample is collected, it is evaluated by the vet and then the sample is sent for further evaluation to a pathologist. The goal is to have the sample analyzed for cells, bacteria and fungal organisms.\nBy looking at the cell types collected from the sample, some conditions can be recognized and potentially diagnosed. Certain types of cells for example may be seen with inflammation, asthma, parasites, cancer, etc.\nA culture of the sample can provide important information pertaining what bacteria or fungus are exactly found and therefore can suggest what's the best type of antibiotic or antifungal medication to treat the condition. This can help in cases where, for example, dogs are coughing and after several treatments with antibiotics, there is no improvement.\nIt's important to consider that sometimes bacteria coming from the GI tract may contaminate the samples collected. For example, E coli is not commonly found in the dog's respiratory tract, but it is usually found in the dog's GI tract.\nIt may end up on a sample though should the dog end up inhaling vomit. Typically, bacteria commonly found in the lung include mycoplasma or strep, explains veterinarian Dr. Gary.\nWhile a transtracheal wash can provide important insights and even diagnostic findings, the absence of any abnormalities doesn't necessarily rule out cancer and infections. Further specialized diagnostic tests may therefore be needed.\nCost of Transtracheal Wash in Dogs\nVet care costs tend to vary from city to city and even from one state to another. Sometimes, the best way to get accurate costs is by simply calling around vet offices. The receptionist may be willing to give out rough estimates.\nThe cost of both procedures may also vary considerably. The transoral tracheal wash is preferred because it permits the vet to visually inspect the dog's airway, but it is more expensive because it requires the dog to be anesthetized. Generally, between the anesthesia and procedure dog owner may be expected to pay anywhere between $500 and $1,200.\nThe transtracheal wash may be cheaper due to the lack of anesthesia and therefore may vary between $300 and $800. Of, course these are just rough estimates. Only by calling around or talking to the vet it is possible to gain more exact figures.\nWikimedia Commons, Slick-o-bot, Ayaks, a military police working dog, is put under general anesthesia before getting preventative surgery on his stomach at the Veterinary Treatment Facility", "label": "No"}
+{"text": "Welcome to Classical Images!\nThis original antique lithograph map of the lower Colorado River Valley and San Diego, by Alexander Dallas Bache (great-grandson of Benjamin Franklin) in 1855 - dated - was published by the official chart-maker of the United States, the office of The US Coast Survey.\nGeneral Definitions:Paper thickness and quality: - Heavy and stablePaper color : - off whiteAge of map color: -Colors used: -General color appearance: -Paper size: - 12in x 9in (305mm x 230mm)Plate size: - 12in x 9in (305mm x 230mm)Margins: - Min 1/2in (12mm)\nImperfections:Margins: - NonePlate area: - NoneVerso: - None\nBackground: The Colorado River is a major river of the western United States and northwest Mexico in North America. Its headwaters are in the Rocky Mountains where La Poudre Pass Lake is its source. Located in north central Colorado it flows southwest through the Colorado Plateau country of western Colorado, southeastern Utah and northwestern Arizona where it flows through the Grand Canyon. It turns south near Las Vegas, Nevada, forming the Arizona–Nevada border in Lake Mead and the Arizona–California border a few miles below Davis Dam between Laughlin, Nevada and Needles, California California before entering Mexico in the Colorado Desert. Most of its waters are diverted into the Imperial Valley of Southern California. In Mexico its course forms the boundary between Sonora and Baja California before entering the Gulf of California.The Colorado forms the border of California to the west and Arizona to the east for most of its course through the desert Lower Colorado River Valley (LCRV), where its character changes significantly from fast-flowing whitewater to a low gradient braided stream with a wide floodplain. Here, the Colorado River ranges in width from 700 to 2,500 ft (200 to 800 m) and from 8 to 100 ft (2 to 30 m) in depth. It becomes a losing stream, with a gradual reduction in volume both due to evaporation in the hot desert climate and massive diversions for irrigation, urban areas, industry and thermo-electric power generation. The average flow rate of 14,180 cubic feet per second (402 m3/s) at Davis Dam diminishes to just 2,060 cubic feet per second (58 m3/s) at the Mexican border.At Needles, California the Colorado is crossed by Interstate 40; shortly downstream it passes the Topock Marsh in Topock Gorge and widens into Lake Havasu, formed by Parker Dam. Lake Havasu provides recreation as well as the home of the retired U.K. London Bridge in Lake Havasu City, Arizona, now the New London Bridge. Near Parker Dam are the first two major diversions of the lower Colorado: the Colorado River Aqueduct, which travels 240 miles (390 km) west to Los Angeles and San Diego, California; and the Central Arizona Project, which sends water 340 miles (550 km) east towards Phoenix and Tucson, Arizona. The intermittent Bill Williams River joins the Colorado from the east in Lake Havasu, just above Parker Dam.\nU.S. Coast Survey (Office of Coast Survey)The Office of Coast Survey is the official chart-maker of the United States. Set up in 1807, it is one of the U.S. governments oldest scientific organizations. In 1878 it was given the name of Coast and Geodetic Survey (C&GS). In 1970 it became part of the National Oceanic and Atmospheric Administration (NOAA).The agency was established in 1807 when President Thomas Jefferson signed the document entitled An act to provide for surveying the coasts of the United States. While the bills objective was specific—to produce nautical charts—it reflected larger issues of concern to the new nation: national boundaries, commerce, and defence.The early years were difficult. Ferdinand Rudolph Hassler, who was eventually to become the agencys first superintendent, went to England to collect scientific instruments but was unable to return through the duration of the War of 1812. After his return, he worked on a survey of the New York Harbor in 1817, but Congress stepped in to suspend the work because of tensions between civilian and military control of the agency. After several years under the control of the U.S. Army, the Survey of the Coast was reestablished in 1832, and President Andrew Jackson appointed Hassler as superintendent.The U.S. Coast Survey was a civilian agency but, from the beginning, members of the Navy and Army were detailed to service with the Survey, and Navy ships were also detailed to its use. In general, army officers worked on topographic surveys on the land and maps based on the surveys, while navy officers worked on hydrographic surveys in coastal waters.Alexander Dallas Bache, great-grandson of Benjamin Franklin, was the second Coast Survey superintendent. Bache was a physicist, scientist, and surveyor who established the first magnetic observatory and served as the first president of the National Academy of Sciences. Under Bache, Coast Survey quickly applied its resources to the Union cause during the Civil War. In addition to setting up additional lithographic presses to produce the thousands of charts required by the Navy and other vessels, Bache made a critical decision to send Coast Survey parties to work with blockading squadrons and armies in the field, producing hundreds of maps and charts. Bache detailed these activities in his annual reports to Congress.Coast Survey cartographer Edwin Hergesheimer created the map showing the density of the slave population in the Southern states.Bache was also one of four members of the governments Blockade Strategy Board, planning strategy to essentially strangle the South, economically and militarily. On April 16, 1861, President Lincoln issued a proclamation declaring the blockade of ports from South Carolina to Texas. Baches Notes on the Coast provided valuable information for Union naval forces.Maps were of paramount importance in wartime:It is certain that accurate maps must form the basis of well-conducted military operations, and that the best time to procure them is not when an attack is impending, or when the army waits, but when there is no hindrance to, or pressure upon, the surveyors. That no coast can be effectively attacked, defended, or blockaded without accurate maps and charts, has been fully proved by the events of the last two years, if, indeed, such a proposition required practical proof.— Alexander Dallas Bache, 1862 report.Coast Survey attracted some of the best and brightest scientists and naturalists. It commissioned the naturalist Louis Agassiz to conduct the first scientific study of the Florida reef system. James McNeill Whistler, who went on to paint the iconic Whistlers Mother, was a Coast Survey engraver. The naturalist John Muir was a guide and artist on Survey of the 39th Parallel across the Great Basin of Nevada and Utah.The agencys men and women (women professionals were hired as early as 1845) led scientific and engineering activities through the decades. In 1926, they started production of aeronautical charts. During the height of the Great Depression, Coast and Geodetic Survey organized surveying parties and field offices that employed over 10,000 people, including many out-of-work engineers.In World War II, C&GS sent over 1,000 civilian members and more than half of its commissioned officers to serve as hydrographers, artillery surveyors, cartographers, army engineers, intelligence officers, and geophysicists in all theaters of the war. Civilians on the home front produced over 100 million maps and charts for the Allied Forces. Eleven members of the C&GS gave their lives during the war.Alexander Dallas Bache 1806 – 1867 was an American physicist, scientist, and surveyor who erected coastal fortifications and conducted a detailed survey to map the mid-eastern United States coastline. Originally an army engineer, he later became Superintendent of the U.S. Coast Survey, and built it into the foremost scientific institution in the country before the Civil War.Alexander Bache was born in Philadelphia, the son of Richard Bache, Jr., and Sophia Burrell Dallas Bache. He came from a prominent family as he was the nephew of Vice-President George M. Dallas and naval hero Alexander J. Dallas. He was the grandson of Secretary of the Treasury Alexander Dallas and was the great-grandson of Benjamin Franklin.Bache was a professor of natural philosophy and chemistry at the University of Pennsylvania from 1828 to 1841 and again from 1842 to 1843. He spent 1836–1838 in Europe on behalf of the trustees of what became Girard College; he was named president of the college after his return. Abroad, he examined European education systems, and on his return he published a valuable report. From 1839 to 1842, he served as the first president of Central High School of Philadelphia, one of the oldest public high schools in the United States.In 1843, on the death of Professor Ferdinand Rudolph Hassler, Bache was appointed superintendent of the United States Coast Survey. He convinced the United States Congress of the value of this work and, by means of the liberal aid it granted, he completed the mapping of the whole coast by a skillful division of labor and the erection of numerous observing stations. In addition, magnetic and meteorological data were collected. Bache served as head of the Coast Survey for 24 years (until his death).", "label": "No"}
+{"text": "If your birthday falls on any day in the month of February, then the alluring amethyst stone has probably graced your presence more than once. Follow us as we dig a little deeper and explore the story behind this month’s gemstone.\nAmethyst is purple quartz, the most valued member of the quartz family. The stone can be found in a variety of purple shades, ranging from light violet to a deeper, rosy purple.\nAmethyst is most commonly mined in Brazil, although it can be found elsewhere in the world such as in the USA, Mexico and Russia. Many foreign travelers set off to the city of Queretaro, Mexico to shop from an abundance of amethyst stones. Amethyst’s appearance often varies slightly by region and unique stones’ origin can often be identified based on the color, shape and character of formation.\nThe color purple has widely been associated with royalty throughout history, and many aristocrats and monarchs adorned themselves in the beautiful gemstone to signify their power. In fact, amethyst was once considered the “jewel of the gods.” Though in the past the stones’ value matched those of diamonds, they areactually much more available today At times during history, the stone was considered as valuable as diamonds but today is much more available.\nThe stone comes from the Greek word meaning “not intoxicated” and, because of a popular legend, was believed for centuries to prevent intoxication, giving the wearer a clear mind. In fact, Ancient Greeks and Romans would embellish their wine goblets with amethyst believing that it would prevent them from becoming intoxicated. Additionally, many travelers and soldiers wore it as a source of defense, believing it could protect them from surprise attacks and harm.\nToday, the stone is much more common, making it an affordable option for many, though its beauty definitely transcends its commonness. Due to the harmony with both silver and gold jewelry as well as its tendency to compliment most skin tones, Amethyst is a wonderful choice for almost anyone!\nMake sure you protect your amethyst jewelry—and all of your other valuable wearables—with a SIMPLR protection plan.", "label": "No"}
+{"text": "Are you nervous about going to college? Do you struggle with thoughts of going to school? If you’re finding the possibilities stressful, you aren’t the only one. College can be completely different than the life you were used to, but you can still be successful. These tips can help you have fun and stay productive in college.\nOne tip that can help you study in college is to make yourself flash cards when you have an exam coming up. Flash cards are easy to make. Your can buy inexpensive index cards and write questions on one side and answers on the other. You and a classmate can then use them to study together.\nOne of the smartest things that you can do as you enter college is to map out the exact route of your schedule before the first of class. This will give you a great idea of where you need to be at what time, and also will reduce the frequency that you get lost.\nIf you want to get an education on a limited budget, consider going to a community college for two years before transferring to a different universities. You will find that community colleges are cheaper than other schools and your credits will transfer as long as you complete your general education before transferring.\nUse online resources to study at home. Popular study aids include Quizlet and Memrise. You can use these websites to create flashcards for your class. Often, someone else has already made flashcards for your class or subject of study. In this case, you can use what is already available to study.\nGet familiar with your daily schedule and the location of your classrooms. Chart how much time is required to get from class to class. Scout out other important locations you’ll need to know, and circle them on a map.\nGet as involved as possible with the students on campus and with certain organizations in the school. This is very important as you do not want to be tagged as a social outcast with nothing to do during the day. This will help you to make friends and feel like a part of the university.\nNetworking is one of the smartest things that you can do while you are in college. This will help you to not only broaden your group of friends, but also expand your possibilities when you are out of college looking for a job. Do not dismiss anyone in college, as they could be valuable to your future.\nAlways look for second-hand textbooks first. Text books can get very expensive. If you are already paying a fortune for college, you probably need to save all the money you possibly can. There are many great sources for acquiring used books on the Internet, in bookstores and through other students on campus. Buying used books is a surefire way to save money.\nYou should have fun while in college. The information you gain will affect your career, your personality and your experience and friendships. When you use the advice in this article, you can make sure your college career is all that you want it to be.", "label": "No"}
+{"text": "What Is Child Grooming?\nPosted on January 15, 2020     |     Child Sexual Abuse\nChild grooming is one of the earliest red flags for childhood sexual abuse. Child grooming describes the steps a perpetrator may take to gain a child’s trust before initiating sexual abuse. This can reduce the odds that the child will tell his or her parents about the abuse, as well as make stories of abuse less believable. Knowing the signs of child grooming and how to react appropriately could keep your child from ever experiencing the trauma of sexual abuse or assault. If you suspect abuse, reach out to a California child sexual abuse attorney immediately.\nForging a Relationship\nStatistics show that most child sexual abusers are people close to the child or the child’s parents. In 90% of cases, child survivors know their offenders. Perpetrators often include babysitters, nannies, teachers, sports coaches, priests, friends and family members. Be wary of adults who try to build special relationships with your child. While the person could have only good intentions, it is worthwhile to watch the developing relationship for signs of something more. Adults that build relationships and forge emotional connections with your child could be guilty of child grooming.\nOnce the perpetrator creates a relationship with your child, he or she may start to test the boundaries and rules of that relationship. The adult may convince your child they are a couple romantically, for example, or try to become the child’s mentor. In other cases, the adult may start by befriending you, but then get closer to your child. Suddenly offering to bring your child home from school or teach him or her a skill, for instance, could be signs that your friend is trying to sexually groom your child.\nGaining a Position of Power or Trust\nSexual abuse is all about power. Child predators often use positions of power to pressure or intimidate children into complying with their wishes. A sports coach, for example, may use his or her position to convince a child victim to stay quiet (e.g. or else the coach will kick the child off the team). Positions of power can also come with reasons to isolate the target. As a parent, you may be more willing to let your child go alone with someone you think you can trust due to the adult’s position, such as a priest or teacher. Creating frequent opportunities to be alone with your child, however, is a red flag.\nSpecial Attention or Privileges for Your Child\nAnother sexual grooming behavior is rewarding your child without reason or giving your child more attention than his or her peers. Awards, acknowledgment, gifts, money, compliments, one-on-one time or special privileges frequently from an adult could be a sign of something darker going on. The adult may be more interested in developing a relationship with your child or gaining his or her trust than actually awarding hard work or good behavior. Catering to the needs or desires of a child could encourage the child to initiate future meetings or contact with the perpetrator, with or without a parent’s permission.\nSexualizing the Relationship\nOnce the perpetrator has established a repertoire with the child, he or she will start to sexualize things. The adult may start subtly, with “accidental” encounters such as walking in on the child changing or going to the bathroom, or excuses to touch the child, such as tickling or wrestling. Also look out for the adult arranging situations that could become sexual, such as giving baths, going swimming, using changing rooms or accompanying young children to the bathroom.\nSoon, the adult will progress into more overtly sexual acts, advancing the relationship into sexual abuse or molestation. At this point, the sex offender will focus on keeping the relationship a secret. The abuser may use shame, deceit or threats to secure the child’s silence. Escaping the abuse at this point will take an emotional leap on the child’s part since he or she has become entangled in the offender’s system of sexual grooming. As a parent, learn the signs of sexual abuse in children and keep a careful eye out for potential child grooming behaviors from adults that associate with your child. You could have the power to prevent sexual abuse if you are vigilant.", "label": "No"}
+{"text": "Feb 16, 2020\nHow deadly is Covid-19? As of now, we do not know. Yet, with access to accurate case records, we can answer this question with fairly high level of confidence, even at a relatively early stage of the spread of the disease.\nWhat we do know, based on the death toll, is that the coronavirus is deadlier than SARS.\nIn general, two factors determine the lethality of an infectious disease:\nThe infection rate according to medRxiv and CIDRAP, varies from 1.3 for the seasonal flu, to 3 for SARS and 15 for measles. For the coronavirus, estimates range from 2.2 to 6.6. Since the pace at which it proliferates in China is far greater than that for SARS, chances are the infection rate is likely to be at the upper end of this range.\nThe death rate can be determined from the probability distribution curves, such as the one depicted in the above Exhibit. In this illustration, the probability of dying increases over time peaking at 24 days, and declining thereafter.\nThe death rate is the area under the curve.\nEarly assessments of the death rate are likely to be gross underestimates if they are based on the simple ratio of deaths over infections. These ratios are very low at the inception and during the phase when the disease is spreading.\nAlso with heightened awareness, and extensive controls and checks in place, a higher proportion of milder cases are reported. Under normal circumstances some of these cases may not be counted, and their reporting understates the death rate.\nTo accurately estimate the death rate we need to derive the probability distribution of deaths caused by the disease.\nTo begin, one might filter out those cases that are so mild that they may not have been counted under normal circumstances. Infected cases should then be split into cohorts based on the date of infection. The cohorts are lined up according to days since infected, combining to form a more reliable sample.\nAligned this way and monitored over time, the cases yield the proportion of deaths on days after the infection occurs. This information can be modelled to determine the structure and parameter of the probability distribution curve, the area under which is the death rate.\nNote: To find content on MarketingMind type the acronym ‘MM’ followed by your query into the search bar. For example, if you enter ‘mm consumer analytics’ into Chrome’s search bar, relevant pages from MarketingMind will appear in Google’s result pages.\nIn an analytics-driven business environment, this analytics-centred consumer marketing workshop is tailored to the needs of consumer analysts, marketing researchers, brand managers, category managers and seasoned marketing and retailing professionals.\nIs marketing education fluffy too?\nMarketing simulators impart much needed combat experiences, equipping practitioners with the skills to succeed in the consumer market battleground. They combine theory with practice, linking the classroom with the consumer marketplace.", "label": "No"}
+{"text": "Edited by Marisha, Sharingknowledge, SarMal\nThere is romance in the rain. The fall of tiny wet drops of precipitation can make even the dullest of evenings magical. There is magic heading home on a summer night in the rain, flip flop rhythms walking with the drops through puddles while the July heat falling off you. An open window with the sound of drops hitting a puddled ground or a rusty roof rattling with raindrops offers comfort while the cool showers of spring are a sign of summer giving hope after a dark cold winter.\nBut not everything contained in those little droplets of water is pure perfection. High levels of acid in rain has created the term unimaginatively coined in the 1950's: Acid Rain. Although acid rain was first discovered in the 17th century after poor conditions was noted in marble, since the Industrial Revolution high levels of acid has been documented by scientists in rain.\n1 Acid Rain\n- 1.1 Cause of Acid Rain\n- 1.2 Acid Deposition\n- 1.3 Composition of Acid Rain\n- 1.4 Sources\n- 1.5 Adverse Effects\n- 1.6 Measurement of Acid Rain\n- 1.7 Prevention Methods\n- 1.8 Substitution of Fossil Fuels\n- 1.9 Reduction of SO2\n- 1.10 Reduction of (NO)x\n- 2 Referencing this Article\n- 3 Comments\nDistilled or pure rain normally has a pH of 7, and is considered neutral. The rain or precipitation that has a pH lower than 5.6 is referred to as Acid rain. The literary meaning of acid rain is rain with an excess of salts.\nAcid rain has an extremely harmful effect on plants, aquatic life, buildings and architecture due to the deposition of salts.\nCause of Acid Rain\nAcid rain is caused by the emission of sulfur dioxide (SO2) and nitrogen oxides (NOX) in the atmosphere. These are then transferred by wind or air and react with water, oxygen and other atmospheric chemicals to form sulfuric and nitric acids. These acids mix with the molecules in water before raining to the ground.\nAlthough a very small portion of the offending acids in acid rain are naturally present (i.e. volcanic eruptions), the major sources of SO2 and NOX in the atmosphere are derived from the burning of fossil fuels to generate electricity, run machines, automobiles, heavy equipment and in manufacturing, industry and oil refinery.\nAcid rain is the deposition of acids in the air. Acid deposition falls into two categories.\n- Wet Deposition\nWet deposition of acid occurs when any form of precipitation (rain, snow, etc.) removes acids from the atmosphere and delivers it to the Earth's surface. This is essentially what we think of when we think of acid rain. Sulfuric and nitric acids are delivered to the Earth's surface through precipitation.\n- Dry Deposition\nAcid deposition also occurs in the absence of precipitation and is known as a dry deposition. Dry deposition is caused by tiny particles (or particulates) in combustion emissions. This event can be responsible for as much as 20-60% of total acid deposition witnessed. A dry deposition occurs when particles and gases stick to the ground, to plants or other surfaces.\nComposition of Acid Rain\nThe components of acid rain are\nAcid rain is usually composed of any of the three above mentioned acids. H2SO4 is the major contributor to acid precipitation with 60-70% while HNO3 contributes about 30-40% to acid rain. HCl is a minor component of acid rain.\nThe combustion of fossil fuels creates SO2 and NOx. They are converted to sulphuric acid and nitric acid.\nSulphuric acid formation:\nSO2 + H2O → H2SO3 H2SO3 + [O] → H2SO4\nNitric Acid Formation Oxides of nitrogen react with H2O and convert it into nitric acid.\n2NO + O2 → 2NO2 2NO2 + H2O + O → 2HNO3\nA combination of nitric acid and sulphuric acid form acid rain.\nThere are two types of sources emitting different oxides of sulphur and nitrogen, which react with H2O to form nitric acid and sulphuric acid.\n- Anthropogenic sources\n- Natural sources\nThe principal cause of acid rain is sulfur and nitrogen compounds from human sources. Millions of tons of nitrous oxide (NOx) is added by anthropogenic sources into Earth's atmosphere every year.\n- Fossil fuels\n- Coal power plants: Power generating plants contribute 60% to 70% of Sulphur.\n- Automobile exhaust\n- Domestic fire or House fuel\n- Nuclear explosions\n- Wastes of fertilizer plants\n- Livestock production\n- Industries and factories\nThe principal natural phenomenon that contributes acid producing gases to the atmosphere are emissions from:\n- Volcanic eruptions create extremely high amounts of acid rain and fog with acidity which clears an area of any vegetation and frequently causes irritation to the eyes and lungs of inhabitants in nearby settlements.\n- Biological Processes: Acid producing gasses are also created by processes that occur in the oceans, on land, and in wetlands. The major biological source of Sulphur containing compounds is dimethyl sulphide.\n- Nitric acid in rainwater is an important source for plant life and is also produced by electric activity in the atmosphere such as lightning.\n- Acids are released into water bodies by organisms conducting anaerobic activities.\nH2S + H2SO3→ H2SO4\nSO2 + H2O →SO2H2O\nSO2 + H2O ⇌ H+ HSO-3\nHSO-3 ⇌ H+ + SO2-3\nAcid rain has the following adverse effects:\n- Corrosive action\nThe corrosive action of these rains with acid content damages buildings, wood, steel as well as cement and concrete structures. It also damages fabric and other fibrous materials.\nCaCO3 + H2SO4 ⇌ CaSO4 + CO2 + H2O\n- Decomposition of parent rocks\nA low pH causes the release of many toxic metals and the elements in excess amounts as the rate of decay and decomposition of parent rocks is enhanced. However, in small traces, these elements do not pose any problems but in higher concentration, many are highly toxic.\n- Soil fertility\nSoil biology and chemistry can be seriously damaged by acid rain. Some microbes are unable to tolerate changes to low pH and are killed. The enzymes of these microbes are denatured by the acid. The hydronium ions of acid rain mobilize toxins such as aluminum and leach away essential nutrients and minerals such as magnesium.\n2H+(aq) + Mg2(clay)+ ⇌ 2H+(clay) + Mg2+(aq)\n- Effects on forests and vegetation\nAcid rain reduces the rate of photosynthesis due to the destruction of chlorophyll molecules. It also reduces the growth of plants and decreases their sensitivity to diseases while enzymes are disturbed due to the change in pH. Acid rain also damages the roots of trees and weakens them. The permeability of plant membrane for up-taking is also decreased due to acid rain.\n- Effects on lichens\nAcid rain damages lichens and prevents them from growing. Lichens are sensitive bioindicators of air pollution and have been seen to be completely absent in places with high air pollution.\n- Effect on aquatic systems\nAcid precipitation affects aquatic life drastically due to low mineral contents. Both, a lower pH and a higher aluminum concentration in surface water due to acid rain can kill fish by clogging its gills and reducing its O2 intake. As lakes and rivers become more acidic, biodiversity is reduced. Many types of bacteria and blue-green algae are killed due to acidified H2O thus disturbing the ecological balance.\n- Human health\nHeavy metals like cadmium, aluminum, and palladium which enter the blood stream of aquatic animals are then passed on in the food chain to other animals and man. These heavy metals affect the stability of cell membranes, hence prove injurious to health. The presence of heavy metals affects a human's nervous system, digestive system, and respiratory system by causing or exacerbating ailments like asthma and bronchitis.\n- Effects on animal health\nAmphibian animals have been impacted by high levels of water acidity due to acid rain. Some species of frogs and toads are currently on the verge of extinction due to the inability of their eggs and larvae to survive in a high-acid environment. Acidification of water bodies has affected the food availability for birds that feast on fish. Rabbits that have lived in forests that have witnessed acid rain are being studied as high levels of acidity are causing bile salt induced injury in their digestive systems. High aluminum levels are reportedly responsible for malnutrition and starvation in some forest animals.\nMeasurement of Acid Rain\nAcid rain is measured by using a scale called pH scale. The lower pH scale of substances the more acidic it is.\n- Normal rain: 7.0pH\n- Slightly acidic: 5.6pH\n- Acid rain: less than 5.6pH\n- Energy Conservation:\nEnergy conservation will result in lesser fuel consumption and slow the emission of sulphuric and nitrous oxides.\nDesulphurization and Denitrification\nMany coal power plants use Fossil Gas Desulphurization (FGD) to remove sulphur containing gases from their stack gases. FGD removes up to 95% of SO2 from fossil gases.\nDenitrification is the use of technology that removes or reduces the nitrogen oxide (NO)x emission into the atmosphere.\nSubstitution of Fossil Fuels\nSubstitution for fossil fuels by other alternative energy forms may offer future solutions.\nReduction of SO2\nThe release of sulphur dioxide can be reduced by removing sulphur contents before the fuel is burnt, by a process called coal cleaning gasification. Sulphur can also be removed after combustion by fuel gas desulphurization.\nReduction of (NO)x\nNitrous oxide emissions into the atmosphere can be reduced by modifying furnace designs and burner designs. Lowering the temperature during combustion by the use of catalytic activity can also help reduce (NO)x.\nReferencing this Article\nIf you need to reference this article in your work, you can copy-paste the following depending on your required format:\nAPA (American Psychological Association)\nAcid Rain. (2017). In ScienceAid. Retrieved Jul 17, 2019, from https://scienceaid.net/Acid_Rain\nMLA (Modern Language Association) \"Acid Rain.\" ScienceAid, scienceaid.net/Acid_Rain Accessed 17 Jul 2019.\nChicago / Turabian ScienceAid.net. \"Acid Rain.\" Accessed Jul 17, 2019. https://scienceaid.net/Acid_Rain.\nCategories : Earth Sciences\nRecent edits by: Sharingknowledge, Marisha", "label": "No"}
+{"text": "FAO, WFO y la OACI juntos en este Día Mundial de la Alimentación\n16 de octubre de 2012, Roma, Italia - El tema de este año para el Día Mundial de la Alimentación se centra en \"Las cooperativas agrícolas - para alimentar al mundo\" y coincide con el Año Internacional de las Cooperativas. Por lo tanto, la FAO, junto con la Organización Mundial de Agricultores y la Organización Internacional de Cooperativas Agrícolas, una organización sectorial de la Alianza Cooperativa Internacional, han decidido lanzar una declaración conjunta para honrar a esta colaboración y hacer hincapié en la necesidad de trabajar juntos para erradicar el hambre.\nCelebrated in more than 150 countries today, World Food Day reminds us of the importance of feeding every member of society, regardless of where he or she lives. Ensuring people have food on the table relies on the work of millions of farmers around the globe and their organisations.\nIt is particularly fitting that this year’s theme for World Food Day focuses on agricultural cooperatives, both because we are about to conclude the UN’s International Year of Cooperatives (IYC), and because agricultural co-operatives are key in helping the world’s farmers to earn a decent living and to meet global food needs.\nWe are convinced that this year has succeeded in promoting renewed interest in the value of farmers´ organizations, cooperatives, and other rural organizations. The result is to give them a greater voice in issues affecting their lives, to help them obtain their rightful share in the economy while also reducing real as well as potential risks to their livelihoods.\nWe believe that food production challenges each one of us in our own countries, in our own fields. Farmers in our own communities are working every day on our behalf. And it is through agricultural cooperatives and other farmers´ organisations that farmers, especially smallholders - so critical in meeting their communities’ food needs with safe, nutritious food - are able to develop the safeguards and receive the education and support that helps individuals, their families and their local communities.\nICAO and the World Farmers’ Organisation believe that rural organizations enable farmers to realize economic benefits that they could not achieve on their own. They improve their bargaining power in the marketplace, reduce costs and increase benefits. Moreover, in developing countries, farmers´ organizations and cooperatives play an important role in providing farmers, in particular smallholder farmers, a variety of services such as training in natural resource management as well as better access to information, technologies and innovation. In this context the cooperative system represents a fundamental tool for eradicating hunger and reducing poverty, being a catalyst for socially-inclusive development. They also represent a powerful means for supporting marginalized groups, such as youth and women.\nTherefore, to better achieve their mission and to assure complete independence, rural organizations should be created and managed by farmers themselves based on their own needs. In order to achieve this, and given their positive role in a national economic and social context, national administrations should enact policies to encourage the creation of independent farmers´ organizations and cooperatives.\nOn World Food Day, ICAO, ICA and the World Farmers’ Organisation wish to express their strongest support to farmers in the process of establishing rural organizations, such as producer’s organisations and cooperatives, confident that such a process would enable them to improve their position within the food supply chain and increase their competitive position in the markets.\nTo conclude, the wide range of agricultural cooperatives is a reflection of the strength of this movement in meeting the challenges of sustainable development and poverty alleviation.\nAgricultural co-operatives are values-based businesses that are the essence of both “can do” and “must do.”\n“Can do” in the sense that farmers who alone could not compete with their limited crop yields or limited capital together can help build a better and more secure world. “Must do” because it is agricultural cooperatives which reflect cooperatives values, helping not just the individual to earn a living but supporting the communities in which those cooperatives reside. Time and again the “can do” and the “must do” signal the best of what World Food Day wants from all of us: respecting the individuals and the groups that toil around the globe to provide our food. They also underscore that working in harmony with a sense of greater purpose enriches all of us.\nICAO promotes the cooperative movement among farmers and in rural communities helping smallholder farmers to obtain badly needed resources for their production, while also assisting them in getting better terms in their markets and in maintaining their businesses in a sustainable way.\nICA has members in over 100 countries. Co-operatives represent approximately one billion individuals worldwide.\nThe World Farmers’ Organisation is built by farmers for farmers and its mandate is to bring together national agricultural producer organizations and agricultural producer cooperatives organizations to create policies. It also advocates on behalf of farmers all over the world in order to improve the economic environment and livelihood of producers, their families and rural communities.", "label": "No"}
+{"text": "Steel is a hugely important material both here in the United States as well as on a global scale. After all, the year of 2017 saw more than one and a half billion tons of it produced. And this was even considerably increased from the year prior – and an impressive increase, one of very nearly 4%, it was. In the years that are ahead of us, the overall amount of steel being produced is likely to remain impressive – if not even creep ever higher.\nHere in the United States, steel is particularly valued. After all, the United States alone imports more steel than any other country in the rest of the world. In that same year of 2017, more than $25 billion in steel alone was imported. This steel comes from a number of places, including our neighbor to the north, the country of Canada. We get more than 15% of our steel from this country but, to show just how much steel the United States utilizes, that makes up around 88% of the steel that Canada will ultimately end up exporting.\nBut what, exactly, is all of this steel used for? As a matter of fact, the uses for steel, especially here in the United States, are quite many and varied indeed. For instance, the automotive industry alone uses up around 13% of all steel produced on a yearly basis. This steel is utilized not just in the building of cars, but for the creation and construction of other motor vehicles as well. Steel can help to make cars and other such motor vehicles safe in the event of a crash, something that can keep countless people safe all throughout the country and beyond it as well.\nThe creation of mechanical equipment for manufacturing as well as robotics makes up around 16% of the world’s total steel usage as well. Manufacturing alone is hugely essential in this country, bolstering the economy and providing jobs to millions in this country as well as even beyond it. Without the industry of manufacturing, we would have far fewer of the modern conveniences that we have come to expect as well. For many people, manufacturing provides them a livelihood, but just about all of us benefit from the manufacturing industry in some way. In fact, the world benefits from it.\nAnd the creation of buildings and various elements of infrastructure rely on steel as well. After all, it is for good reason that up to half of the steel produced globally is utilized for these purposes. Steel has an incredibly high melting point – around 2500 degrees Fahrenheit (1370 degrees Celsius) – and is hugely durable indeed, something that makes it ideal for the creation of everything from bridges to skyscrapers (and, of course, beyond them as well). Without steel, many elements of infrastructure – as well as many different buildings, both commercial and residential alike – would simply not be able to exist or, at the very least, would not be nearly as safe or long lasting.\nTherefore, the machinery and tools used to process steel are very important indeed, of this there is just no doubt. Induction hardening is an important point of steel production, as induction hardening allows us to utilize steel in the way that we must. Induction hardening often goes hand in hand with steel melting as well, and the steel melting induction furnace is a critical fixture in the world of steel production. Without induction hardening and steel melting alike, the ways in which we utilize steel would not be nearly as diverse and all encompassing.\nBut steel melting and induction hardening can both be expensive. For this reason, the use of refurbished equipment for the purposes of induction hardening and steel melting (and all other elements of steel production, for that matter) can be hugely beneficial. From the used induction furnace for sale to used equipment for induction hardening, used equipment is often still very high in quality but often far less expensive indeed than what you’d see being asked for brand new equipment. Ultimately, it is an investment worth making in the United States and beyond.", "label": "No"}
+{"text": "- Official infection rates across sub-Saharan Africa (SSA) remain relatively low but concerns about an “India scenario” are growing amid a proliferation of variants.\n- The region is quickly falling further behind in the global vaccine race, with only about 1% of the population vaccinated across all of Africa to date.\n- The US decision to back an Intellectual Property (IP) protection waiver for Covid-19 vaccines at the World Trade Organization (WTO) is historic but will have little immediate impact on vaccine production and vaccine availability for poor countries.\nInfection rates still low but ‘India concerns’ mounting\nOfficial infection rates across sub-Saharan Africa (SSA) remain relatively low, representing merely 6.5% of global cases. However, due to extremely low levels of testing, and limited hospitalizations and media coverage, the true extent of the pandemic’s spread across the region is most likely grossly underreported and, as such, remains subject to much speculation and debate. One building block of the narrative that SSA may be more resilient to Covid-19 is attributable to the region’s very young population: as of 2019, 42.3% of the region’s estimated 1.1bn population was below the age of 15, compared with India, where merely 26.6% fall into this age bracket.\nHowever, concerns about an “India scenario” playing out across the African continent may intensify in the coming weeks. Africa Centres for Disease Control and Prevention (Africa CDC) Director John Nkengasong has described India’s Covid-19 surge as a wake-up call for Africa, and has warned that shortages of healthcare workers, hospital beds, oxygen supplies, and vaccines could turn out to be even more overwhelming than in India. The WHO has reported that the B.1.617.2 Covid-19 variant first identified in India has been detected in a dozen countries, including in travelers from India in Kenya, Uganda, and South Africa. Cases of the B.1.1.7 – first detected in the UK – have also been confirmed. Scientists at the Krisp genomics institute in Durban have warned that new variants – including the B.1.351 variant first sequenced in South Africa, a variant detected in Rwanda and Uganda, two identified in Nigeria, and one highly mutated variant identified in travelers from Tanzania – have proliferated across Southern and Eastern Africa, especially along truck routes. According to the researchers, this “risk[s] that Africa could become a reservoir for variants,” which is arguably a matter of both regional and global concern.\nConsequently, Nkengasong has called for fresh pandemic restrictions. Countries including Kenya, Nigeria, Uganda, Tanzania, and Rwanda have suspended flights to India, while South Africa has quarantined several travelers arriving by air and sea. An African health ministers’ meeting on 8 May could set the scene for further government announcements in the coming weeks.\nVaccine rollout falling further behind\nCompounding concerns about the proliferation of variants is the fact that the region is quickly falling further behind in the global vaccine race. According to Our World in Data, just 14.24mn people across Africa, or 1.06% of the total population, had been vaccinated as of 9 May, compared to a 30% end-year target.\nUp until now, as per the chart below, the bulk of vaccine supplies shipped to SSA have been AstraZeneca (AZ) shots manufactured by the Serum Institute of India (SII) via the COVID-19 Vaccines Global Access Facility (COVAX). However, Nkengasong fears that India’s suspension of exports in March could impact Africa’s vaccine rollout “for the weeks and perhaps months to come.” In fact, as of 6 May, COVAX had delivered less than 20% of its initial regional delivery schedule through May (see chart). Meanwhile, inoculation using what little supply has arrived in the region is hampered by logistical constraints on the ground. Anecdotal evidence also suggests that the suspension of the AZ vaccine over reports of blood clots by several European governments had a lasting effect on the jab’s local acceptance. In an extreme case, DR Congo, following the European example, first halted its AZ vaccination campaign and subsequently decided to pass on its delivery as it proved unable inoculate its population in time before the shots’ expiration date.\nEven so, African countries that have received their first COVAX deliveries are expected to experience a supply gap as early as May or June. Regional officials are now hoping that additional vaccine supplies from China could be secured via COVAX. The WHO approved the Covid-19 vaccine produced by China’s Sinopharm on 7 May and is expected to consider Sinovac’s shot this week. Russia’s Sputnik V vaccine is also under assessment. Their inclusion could significantly alter the outlook for COVAX’s vaccine mix and supply timeline.\nWhither ‘vaccine apartheid’?\nThe growing gap in vaccine equity worldwide has galvanized fresh action. Last week’s decision by the US government to back an Intellectual Property (IP) protection waiver for Covid-19 vaccines at the World Trade Organization (WTO) was seen as a historic breakthrough in an initiative, spearheaded by South Africa and India, that just a few months ago appeared to be going nowhere. However, European leaders have pushed back by arguing that suspending intellectual property rights will not resolve supply shortages. Instead, they have called for scaling up production via licensing deals, and increased exports of vaccine ingredients and finished shots – a pointed criticism of the US.\nHowever, it is unlikely to have an immediate impact on vaccine production and vaccine access for poor countries, even assuming that consensus at the WTO can be reached quickly and the waiver be brought into effect. Equally important will be timely technology transfer agreements to expand production, production capacity, supply chains, and skills, and a decision on whether the waiver will apply only to Covid-19 vaccines or also to treatment and diagnostics. On the production side, even South Africa’s Aspen Pharmacare, which will produce up to 400mn doses of Johnson & Johnson’s Covid-19 vaccine at its Gqeberha plant, will only “fill and finish” the shots, illustrating how far away the region stands from being able to produce vaccines from start to finish.\nThe pandemic has certainly galvanized calls for vaccine production in the region. The African Union (AU) has recently announced an ambitious new partnership with the Coalition for Epidemic Preparedness Innovations (CEPI) – one of the COVAX partners – to manufacture vaccines at five research centers to be developed on the continent over the next 15 years. The target is to increase production of all vaccines used on the continent from the current 1% to 60% within 20 years, though at best this will be a long game, rather than a short-term fix.", "label": "No"}
+{"text": "The freshness of an egg is not only determined by the date when the egg was laid, but also by the way the egg has been stored. Proper handling and storage is perhaps the most important factor in determining freshness.\nIf a freshly laid egg is left at room temperature for a full day, it will not be as fresh as a week old egg that has been refrigerated between 33° and 40°F. from the time it was laid.\nAccording to the U.S. Dept. of Agriculture (USDA):\nMany eggs reach stores only a few days after the hen lays them. Egg cartons with the USDA grade shield on them, indicating they came from a USDA-inspected plant, must display the ‘pack date’ (the day that the eggs were washed, graded, and placed in the carton). The number is a three-digit code that represents the consecutive day of the year (the ‘Julian Date’) starting with January 1 as 001 and ending with December 31 as 365.\nThough not required, most egg cartons also contain a “sell by” date beyond which they should not be sold. In USDA-inspected plants (indicated by the USDA shield on the package), this date can’t exceed 30 days beyond the pack date which is within USDA regulations. Always purchase eggs before their “sell by” date.\nHow long are eggs good after the sell date?\nRefrigerated raw shell eggs will keep without significant quality loss for about 4 to 5 weeks beyond the pack date or about 3 weeks after you bring them home.\nA general rule to follow is that any egg that looks or smells odd should not be used. If an egg is bad you will know it. Just smell the egg! Just crack each egg in a small bowl, smell it – your nose will tell you!\nHow to test if an egg is fresh\nFill a deep bowl with water and carefully lower the egg into the water. A very fresh egg will immediately sink to the bottom and lie flat on its side. This is because the air cell within the egg is very small. The egg should also fee quite heavy.\nAs the egg starts to lose it freshness and more air enters the egg, it will begin to float and stand upright. The smaller end will lie on the bottom of the bowl, while the broader end will point towards the surface. The egg will still be good enough to consume.\nHowever, if the egg fully floats in the water and does not touch the bottom of the bowl at all, it should be discarded, as it will most likely be bad.\nTest the eggs freshness by breaking the egg onto a flat plate, not into a bowl. The yolk of a very fresh egg will have a round and compact appearance and it will sit positioned quite high up in the middle of the egg. The white that surrounds it will be thick and stays close to the yolk.\nA less fresh egg will contain a flatter yolk, that may bread easily and a thinner white that spreads quite far over the plate.\nHow to store eggs?\nBuy refrigerated eggs and store them in the refrigerator as soon as your get home. However, even under refrigeration, eggs slowly lose carbon dioxide, which enlarges the size of the air cell and causes the yolk to flatten and the white to spread.", "label": "No"}
+{"text": "Arthur J. Villasanta – Fourth Estate Contributor\nBerlin, Germany (4E) – After years of dithering, France, Germany and the United Kingdom have agreed to jointly develop their own stealth fighter, but still aren’t certain if they want a fifth-generation or a sixth-generation jet fighter.\nThis agreement, however, is an important step in advancing this long-stalled joint program. Since this program called the “Future Combat Air System (FCAS)” is expected to enter service with the Luftwaffe (German Air Force); the Armée de l’Air Française (French Air Force) and the Royal Air Force by 2040, the likelihood is this aircraft will be a sixth-generation fighter. The first test flights of a demonstrator aircraft is expected around 2025 and entry into service by 2040.\nFifth-generation fighters such as the Lockheed Martin F-35 Joint Strike Fighter are distinguished by their stealth capabilities that hide them from radar detection. On the other hand, sixth-generation fighters combine stealth with hypersonic speed (speeds in excess of Mach 5 or 6,000 km/h).\nThe U.S. Air Force and U.S. Navy are expected to deploy their first operational sixth-generation fighters from 2025 to 2030.\nSixth-generation concepts put forward by the U.S. Air Force and the Japan Air Self-Defense Force also envision their sixth-generation jets serving as “mother ships” controlling small squadrons of autonomous armed aerial drones. These stealthy drones act as wingmen protecting the mother ship while expanding the latter’s capability to strike at different targets or engage multiple aerial foes. These concepts envision two crewmen: the pilot and a co-pilot controlling the drones.\nAn idea of what Europe’s FCAS might look like can be gleaned from Germany’s sixth-generation fighter concept, also called FCAS. In March 2017, Germany and Airbus Defense and Space were in the initial stages of a new program to build the Luftwaffe’s sixth generation fighter, which they named FCAS.\nFCAS will replace the Luftwaffe’s aging fleet of Panavia Tornado fighter bombers and complement the Luftwaffe’s Eurofighter Typhoon air superiority fighters. FCAS will likely be a twin-engine, twin-tail aircraft piloted by two crewmen. The Luftwaffe intends FCAS to be operational between 2030 to 2040.\nFCAS will be a “system of systems” that combines manned and unmanned aircraft into one operational unit. “In principle, it could be a system of systems — either a manned and unmanned combination,” said Alberto Gutierrez, head of the Eurofighter program.\n“(We have determined that unmanned combat air vehicles) UCAVs will not be at technology state ready by 2030-40 to support Eurofighters. It could be optionally manned, with two crew — one for command and control (and one pilot).”\nA second crewmember is key for the FCAS concept of operations, which will have the fighter operate in a wider battle network, potentially as a command and control asset or UCAV/UAV mission commander. FCAS will also operate as a “networked node” controlling “missile truck UCAVs” and drone swarms in contested airspace.\nArticle – All Rights Reserved.\nProvided by FeedSyndicate", "label": "No"}
+{"text": "World Tsunami Awareness Day Is Commemorated On 5 November\nPlease Subscribe and Get Daily Updates in Your Inbox!!!\n♦ The day is observed to raise awareness about the hazards of tsunamis among people all around the world.\n♦ World Tsunami Awareness Day in 2021 promotes the “Sendai Seven Campaign,”\n♦ It aims to “significantly expand international cooperation to developing nations through suitable and sustainable support to complement their national measures for the implementation of the current Framework by 2030.”\n♦ After the proclamation of the UN General Assembly on December 22, 2015, World Tsunami Day was first formally marked on November 5, 2016.\n♦ The United Nations General Assembly urged all countries in international organizations to increase awareness of the crisis and share product ideas.", "label": "No"}
+{"text": "Most people don’t know the clothes hanging in their closets likely contain trees — some from forests that are thousands of years old. Every year over 150 million trees are cut down and disappear into the fashion supply chain that makes rayon and viscose fabrics. Many of those trees are from the world’s most vital Ancient and Endangered (A&E) forests. It doesn’t have to be that way.\nInternational not-for-profit organisation Canopy has been working to change that, to shift the viscose supply chain so that it is free of fibre from these sacred and high-value forests – forests that are essential to biodiversity, fresh water access, and global climate stability.\nCanopy has partnered with over 320 fashion brands, designers, and retailers – from Stella McCartney to H&M – through the CanopyStyle initiative, which sees these companies commit, through timelined and publicly posted sourcing policies, to keep Ancient and Endangered Forests out of their supply chain. After policies are complete, Canopy collaborates with brands by providing sourcing tools and expert advice, and implementation support to help bring Next Generation, A&E forest-free solutions to the market place.\nCanopy works in many ways to conserve forests, like switching fibre sourcing from these areas through the use of recycled textiles, as well as fibres made from Next Generation Solutions such as agricultural waste. However, Canopy also recognises that virgin wood fibre does – and will continue to – play a role in the textile sector. For this reason, Canopy requires that its partners adopt a preference for FSC for the forest fibre they use. FSC provides the best assurance that forests outside of Ancient and Endangered Forests are managed in an ecologically responsible way, and that safeguards are in place to protect workers’ rights, Indigenous Peoples’ rights, and the rights of traditional communities. FSC continues to be an important tool for fashion brands and man-made cellulosic producers participating in the CanopyStyle initiative.\nCanopy also works with companies that use forest products from a variety of sectors – printers, book and magazine publishers, and with the launch of Pack4Good in 2019, the ever-growing packaging market. The Pack4Good initiative now has over 100 brands committed to eliminating Ancient and Endangered forests from their paper packaging, increasing their use of recycled and alternative fibres. When virgin wood fibre does continue to be used in their packaging, they require FSC.\nCanopy is showing that fashion can be Ancient and Endangered Forest free — from the fabrics the clothes are made from, to the boxes they’re shipped in, and FSC’s support is vital in making that transition.", "label": "No"}
+{"text": "Bioenergy from plants with oil-producing seeds or wood that can be converted to biomass energy has the potential to produce clean energy, secure rural livelihoods and restore degraded lands, helping countries achieve their Paris Agreement targets. Bioenergy can also strengthen the economic incentive for private sector and community groups to undertake restoration efforts. But if not carefully managed, it could displace food crops or promote land-clearing.\nCIFOR-ICRAF has been working on biofuels, particularly woodfuel such as charcoal and firewood production in Africa, as well as bioenergy species for landscape restoration in Southeast Asia. In collaboration with partners in research, capacity development and policy development, we have developed integrative technologies and synthesized information to support the policy and practice of bioenergy development in developing countries. We are analyzing the climate benefits and disadvantages of bioenergy policies and practices under current and plausible future scenarios.\nWe see bioenergy as part of a comprehensive approach that considers energy poverty, health, climate change, and food and nutritional security through diverse production systems involving forest landscapes. We are also studying social and gender dynamics and outcomes along woodfuel value chains, from production through to consumption.", "label": "No"}
+{"text": "Q: It’s spring and I can hear the peepers once again, which raises a question. Where on earth did the words “tadpole” and “pollywog” come from? They seem to mean the same thing, but they don’t seem to have anything in common linguistically, except perhaps for “pole” and “poll.”\nA: You’re onto something there.\nThe larvae of frogs and toads—known popularly as “tadpoles” and “pollywogs”—have big round heads. And the old noggin sense of the word “poll” is very likely the key to the etymologies of those common names.\n“Poll” probably came into English from the Middle Dutch word pol (top, summit), and there are similar words in other Germanic languages. Beyond this, the word’s etymology is uncertain, according to the Oxford English Dictionary.\nThe term has been in English in one form or another since around 1300, and it has various meanings relating to the head.\nAmong other things, it can mean the crown, the scalp, the area where hair grows, and, in the words of the OED, “the prominent or visible part of a head in a crowd.”\nThat last sense of “poll” has given us many extended meanings related to counting, voting, taxing (“poll tax”), surveying (“opinion poll”), and so on.\nBut back at the pond, those wiggly big-headed larvae got the name “tadpole” sometime in the Middle Ages. The word is a compound of the Middle English tade or tadde (toad) and, apparently, the noun “poll” (head or roundhead), Oxford says.\nThe word was first recorded in writing—as “taddepol”—in the 1400s, and its spelling took several centuries to settle down.\nShakespeare, for example, spelled it “tod pole” in King Lear (1608): “Poore Tom, that eats the swimming frog, the tode, the tod pole.”\nThe modern spelling had become established by the time Oliver Goldsmith wrote An History of the Earth, and Animated Nature (1774): “The egg, or little black globe, which produces a tadpole.”\n(An aside: as we wrote in a blog entry earlier this year, the word “tad” for something small, as in “a tad bit,” may be derived from “tadpole.”)\nThe word “pollywog” came along at roughly the same time as “tadpole” but it took longer to develop its modern spelling.\nIts earliest appearance in writing—spelled “polwygle”—is from 1440, the OED says. That very odd-looking word was originally derived, Oxford says, from “poll” plus “wiggle.” In other words, the creature looked like a wiggly head!\nIt wasn’t until the late 18th century, the OED explains, that a vowel sound crept in between the first two elements of the word, which became “pollywig.” The modern form, “pollywog” followed in the 19th century.\nCheck out our books about the English language", "label": "No"}
+{"text": "Hazards addressed by the Vermont Healthy Homes program\nOur homes may contain a variety of health and safety hazards that can cause harm in the form of minor to very serious injuries, asthma and allergies, or even death. Most of these hazards are entirely preventable.\n|Hazards like fire and carbon monoxide exposure can be fatal||Some household chemicals can cause illness or injury if improperly stored or used||Vulnerable populations are at greater risk for certain hazards||Proactive repairs, such as the installation of a railing, can prevent injuries||\nMore information about the hazards in our homes can be found in this video by the Center for Disease Control's Healthy Homes program\nThis HH Hazards chart\nlists the kinds of hazards the Vermont Healthy Homes program is able to address in homes.", "label": "No"}
+{"text": "Complement component 5a\n|complement component 5|\nSchematic representation of three-dimensional structure of complement 5a\n|Locus||Chr. 9 q34.1|\nC5a is a protein fragment released from cleavage of complement component C5 by protease C5-convertase into C5a and C5b fragments. C5b is important in late events of the complement cascade, an orderly series of reactions which coordinates several basic defense mechanisms, including formation of the Membrane Attack Complex (MAC), one of the most basic weapons of the innate immune system, formed as an automatic response to intrusions from foreign particles and microbial invaders. It essentially pokes microscopic pinholes in these foreign objects, causing loss of water and sometimes death. C5a, the other cleavage product of C5, acts as a highly inflammatory peptide, encouraging complement activation, formation of the MAC, attraction of innate immune cells, and histamine release involved in allergic responses. The origin of C5 is in the hepatocyte, but its synthesis can also be found in macrophages, where it may cause local increase of C5a. C5a is a chemotactic agent and an anaphylatoxin; it is essential in the innate immunity but it is also linked with the adaptive immunity. The increased production of C5a is connected with a number of inflammatory diseases.\nHuman polypeptide C5a contains 74 amino acids and has 11kDa. NMR spectroscopy proved that the molecule is composed of four helices and connected by peptide loops with three disulphide bonds between helix IV and II, III. There is a short 1.5 turn helix on N terminus but all agonist activity take place in the C terminus. C5a is rapidly metabolised by a serum enzyme carboxypeptidase B to a 72 amino acid form C5a des-Arg without C terminal arginine.\nC5a is an anaphylatoxin, causing increased expression of adhesion molecules on endothelium, contraction of smooth muscle, and increased vascular permeability. C5a des-Arg is a much less potent anaphylatoxin. Both C5a and C5a des-Arg can trigger mast cell degranulation, releasing proinflammatory molecules histamine and TNF-α. C5a is also an effective chemoattractant, initiating accumulation of complement and phagocytic cells at sites of infection or recruitment of antigen-presenting cells to lymph nodes. C5a plays a key role in increasing migration and adherence of neutrophils and monocytes to vessel walls. White blood cells are activated by upregulation of integrin avidity, the lipoxygenase pathway and arachidonic acid metabolism. C5a also modulates the balance between activating versus inhibitory IgG Fc receptors on leukocytes, thereby enhancing the autoimmune response.\nC5a interact with receptor protein C5aR (CD88) on the surface of target cells such as macrophages, neutrophils and endothelial cells. C5aR is a member of the G-protein-coupled receptor superfamily of proteins, predicted to have seven transmembrane helical domains of largely hydrophobic amino acid residues, forming three intra- and three extra-cellular loops, with an extracellular N-terminus and an intracellular C-terminus.\nC5a binding to the receptor is a two-stage process: an interaction between basic residues in the helical core of C5a and acidic residues in the extracellular N-terminal domain allows the C-terminus of C5a to bind to residues in the receptor transmembrane domains. The latter interaction leads to receptor activation, and the transduction of the ligand binding signal across the cell plasma membrane to the cytoplasmic G protein Gi type GNAI2.\nSensitivity of C5aR to C5a stimulation is enhanced by Lipopolysaccharides exposure, yet this is not due to C5aR upregulation. C5L2 is another C5a receptor that is thought to regulate the C5a-C5aR effects. There is apparently contradictory evidence showing decoy receptor activity conferring anti-inflammatory properties and also signalling activity conferring pro-inflammatory properties.\nC5a is a powerful inflammatory mediator, and seems to be a key factor in the development of pathology of many inflammatory diseases involving the complement system such as sepsis, rheumatoid arthritis, inflammatory bowel disease, systemic lupus erythemotosis, psoriasis. The inhibitor of C5a that can block its effects would be helpful in medical applications. Another candidate is PMX53 or PMX205 that is highly specific for CD88 and effectively reduces inflammatory response. C5a has been identified as a key mediator of neutrophil dysfunction in sepsis, with antibody blockade of C5a improving outcomes in experimental models. This has also been shown in humans, with C5a-mediated neutrophil dysfunction predicting subsequent nosocomial infection and death from sepsis.\n- Manthey HD, Woodruff TM, Taylor SM, Monk PN (2009). \"Complement component 5a (C5a)\". Int J Biochem Cell Biol. 41 (11): 2114–7. doi:10.1016/j.biocel.2009.04.005. PMID 19464229.\n- Andreas Klos; Elisabeth Wende; Kathryn J. Wareham; Peter N. Monk (2013). \"International Union of Pharmacology. LXXXVII. Complement Peptide C5a, C4a, and C3a Receptors\". Pharmacological Reviews. 65 (1): 500–543. doi:10.1124/pr.111.005223. PMID 23383423.\n- Ward PA (2004). \"The dark side of C5a in sepsis\". Nat Rev Immunol. 4 (2): 133–42. doi:10.1038/nri1269. PMID 15040586.\n- PROW and IWHLDA present the GUIDE on: CD88 Archived 2008-07-24 at the Wayback Machine\n- Raby AC, Holst B, Davies J, Colmont C, Laumonnier Y, Coles B, Shah S, Hall J, Topley N, Khol J, Morgan BP, Labeta MO (2011). \"TLR activation enhances C5a-induced pro-inflammatory responses by negatively modulating the second C5a receptor, C5L2\". European Journal of Immunology. 41 (9): 2741–2752. doi:10.1002/eji.201041350. PMC 3638321. PMID 21630250.\n- Klos A, Wende E, Wareham KJ, Monk PN (2013). \"International Union of Pharmacology. LXXXVII. Complement peptide C5a, C4a, and C3a receptors\". Pharmacol. Rev. 65 (1): 500–43. doi:10.1124/pr.111.005223. PMID 23383423.\n- Woodruff TM, Crane JW, Proctor LM, Buller KM, Shek AB, de Vos K, et al. (2006). \"Therapeutic activity of C5a receptor antagonists in a rat model of neurodegeneration\". FASEB J. 20 (9): 1407–17. doi:10.1096/fj.05-5814com. PMID 16816116.\n- Jain U, Woodruff TM, Stadnyk AW (2013). \"The C5a receptor antagonist PMX205 ameliorates experimentally induced colitis associated with increased IL-4 and IL-10\". Br J Pharmacol. 168 (2): 488–501. doi:10.1111/j.1476-5381.2012.02183.x. PMC 3572573. PMID 22924972.\n- Huber-Lang, Markus S.; Younkin, Ellen M.; Sarma, J. Vidya; McGuire, Stephanie R.; Lu, Kristina T.; Guo, Ren Feng; Padgaonkar, Vaishalee A.; Curnutte, John T.; Erickson, Richard (2002-09-15). \"Complement-Induced Impairment of Innate Immunity During Sepsis\". The Journal of Immunology. 169 (6): 3223–3231. doi:10.4049/jimmunol.169.6.3223. ISSN 0022-1767. PMID 12218141.\n- Conway Morris, Andrew; Kefala, Kallirroi; Wilkinson, Thomas S.; Dhaliwal, Kevin; Farrell, Lesley; Walsh, Tim; Mackenzie, Simon J.; Reid, Hamish; Davidson, Donald J. (2009-07-01). \"C5a Mediates Peripheral Blood Neutrophil Dysfunction in Critically Ill Patients\". American Journal of Respiratory and Critical Care Medicine. 180 (1): 19–28. doi:10.1164/rccm.200812-1928OC. ISSN 1073-449X. PMC 2948533. PMID 19324972.\n- Morris, Andrew Conway; Brittan, Mairi; Wilkinson, Thomas S.; McAuley, Danny F.; Antonelli, Jean; McCulloch, Corrienne; Barr, Laura C.; McDonald, Neil A.; Dhaliwal, Kev (2011-05-12). \"C5a-mediated neutrophil dysfunction is RhoA-dependent and predicts infection in critically ill patients\". Blood. 117 (19): 5178–5188. doi:10.1182/blood-2010-08-304667. ISSN 0006-4971. PMID 21292772.\n- Conway Morris, Andrew; Datta, Deepankar; Shankar-Hari, Manu; Stephen, Jacqueline; Weir, Christopher J.; Rennie, Jillian; Antonelli, Jean; Bateman, Anthony; Warner, Noel (May 2018). \"Cell-surface signatures of immune dysfunction risk-stratify critically ill patients: INFECT study\". Intensive Care Medicine. 44 (5): 627–635. doi:10.1007/s00134-018-5247-0. ISSN 1432-1238. PMC 6006236. PMID 29915941.\n- Morris, A. Conway; Anderson, N.; Brittan, M.; Wilkinson, T. S.; McAuley, D. F.; Antonelli, J.; McCulloch, C.; Barr, L. C.; Dhaliwal, K. (2013-11-01). \"Combined dysfunctions of immune cells predict nosocomial infection in critically ill patients\". British Journal of Anaesthesia. 111 (5): 778–787. doi:10.1093/bja/aet205. ISSN 0007-0912. PMID 23756248.\n- Unnewehr, Heike; Rittirsch, Daniel; Sarma, J. Vidya; Zetoune, Firas; Flierl, Michael A.; Perl, Mario; Denk, Stephanie; Weiss, Manfred; Schneider, Marion E. (2013-04-15). \"Changes and regulation of the C5a receptor on neutrophils during septic shock in humans\". Journal of Immunology. 190 (8): 4215–4225. doi:10.4049/jimmunol.1200534. ISSN 1550-6606. PMID 23479227.", "label": "No"}
+{"text": "Ticks transport and transmit microbial pathogens that infl ict malevolent diseases on domestic and wildlife animals, and humans. We reveal the fi rst-time record of the blacklegged tick, Ixodes scapularis, in British Columbia (BC) and, concurrently, far western North America. We unveil the primary tick-host record of I. scapularis parasitizing a Mallard duck, Anas platyrhynchos. In our study, the most pronounced Ixodes species was I. scapularis (61%) followed by the western blacklegged tick, Ixodes pacifi cus (34%). The most frequently occurring mammalian host parasitized by I. scapularis was the eastern cottontail, Sylvilagus fl oridanus, a lagomorph of grassland habitats. Healthcare professionals must be aware that both I. pacifi cus, and I. scapularis bite humans in BC, and transmit at least six tick-borne human zoonotic pathogens that cause insidious diseases.\nBirds transport ticks into Canada during northward spring migration, and some of these ticks are infected with tick-borne zoonotic pathogens. Some Amblyomma species harbour pathogens that cause debilitating diseases that can be fatal to humans, and domestic and wildlife animals.\nLyme borreliosis in pregnancy and associations with parent and offspring health outcomes: An international cross-sectional survey\nLyme disease (LD) is a complex tick-borne pathology caused by Borrelia burgdorferi sensu lato bacteria. Currently, there are limited data regarding the health outcomes of people infected during pregnancy, the potential for perinatal transmission to their fetus, and the long-term effects on these children. Therefore, the primary objective of this survey study was to investigate the impact of LD in pregnancy on both the parent and their offspring.\nMolecular Detection of Anaplasma phagocytophilum, Babesia odocoilei, Babesia species and Borrelia burgdorferi Sensu Lato in Songbirds\nMolecular Detection of Anaplasma phagocytophilum, Babesia odocoilei, Babesia species and Borrelia burgdorferi Sensu Lato in Songbirds\nTick-Borne Pathogens Anaplasma phagocytophilum, Babesia odocoilei, and Borrelia burgdorferi Sensu Lato\nTick-Borne Pathogens Anaplasma phagocytophilum, Babesia odocoilei, and Borrelia burgdorferi Sensu Lato in Blacklegged Ticks Widespread across Eastern Canada\nResearchers at the Department of Epidemiology of Microbial Diseases, Yale School of Public Health and Yale School of Medicine, New Haven, CT are distributing misleading information about human babesiosis.\nThe authors overlook the first report of Haemaphysalis punctata in the Western Hemisphere documented by a pioneer acarologist in 1910. The authors assume that climate change alters movement of ticks, but provide no data. The authors’ assumptions are only opinions, and must be corrected and challenged.\nHuman babesiosis is a life-threatening infectious disease that causes societal and economic impact worldwide. Several species of Babesia cause babesiosis in terrestrial vertebrates, including humans. A one-day clinic was held in Ontario, Canada, to see if a red blood cell parasite, which is present in blacklegged ticks, Ixodes scapularis, is present in humans.\nTick-borne zoonotic diseases have an economic and societal impact on the well-being of people worldwide. In the present study, a high frequency of Babesia odocoilei, a red blood cell parasite, was observed in the Huronia area of Ontario, Canada. Notably, 71% (15/21) blacklegged ticks, Ixodes scapularis, collected from canine and feline hosts were infected with B. odocoilei.\nDetection of Babesia odocoilei in Ixodes scapularis Ticks Collected from Songbirds in Ontario and Quebec, Canada\nSongbirds widely disperse ticks that carry a diversity of pathogens, some of which are pathogenic to humans. Among ticks commonly removed from songbirds, the blacklegged tick, Ixodes scapularis, can harbor any combination of nine zoonotic pathogens, including Babesia species.\nLyme disease (Lyme borreliosis) is a complex multisystem illness with varying clinical manifestations. This tick-borne zoonosis is caused by the spirochetal bacterium, Borrelia burgdorferi sensu lato (Bbsl) and, worldwide, presents with at least 20 different types of rashes.\nMonitoring of Nesting Songbirds Detects Established Population of Blacklegged Ticks and Associated Lyme Disease Endemic Area in Canada\nThis study provides a novel method of documenting established populations of bird-feeding ticks. Single populations of the blacklegged tick, Ixodes scapularis, and the rabbit tick, Haemaphysalis leporispalustris, were revealed in southwestern Québec, Canada. Blacklegged tick nymphs and, similarly, larval and nymphal rabbit ticks were tested for the Lyme disease bacterium, Borrelia burgdorferi sensu lato (Bbsl), using PCR and the flagellin (flaB) gene, and 14 (42%) of 33 of blacklegged tick nymphs tested were positive. In contrast, larval and nymphal H. leporsipalustris ticks were negative for Bbsl. The occurrence of Bbsl in I. scapularis nymphs brings to light the presence of a Lyme disease endemic area at this songbird nesting locality. Because our findings denote that this area is a Lyme disease endemic area, and I. scapularis is a human-biting tick, local residents and outdoor workers must take preventive measures to avoid tick bites. Furthermore, local healthcare practitioners must include Lyme disease in their differential diagnosis.\nDetection and Transstadial Passage of Babesia Species and Borrelia burgdorferi Sensu Lato in Ticks Collected from Avian and Mammalian Hosts in Canada\nLyme disease and human babesiosis are the most common tick-borne zoonoses in the Temperate Zone of North America. The number of infected patients has continued to rise globally, and these zoonoses pose a major healthcare threat. This tick-host-pathogen study was conducted to test for infectious microbes associated with Lyme disease and human babesiosis in Canada.\nComment on Schillberg, E., et al; Distribution of Ixodes scapularis in Northwestern Ontario: Results from Active and Passive Surveillance Activities in the Northwestern Health Unit Catchment Area.\nErratum 1: Schillberg et al. report an “Amblyomma cajennense” tick in central Canada . This foreign tick species lacks specific background information, including (a) history of travel, (b) date tick collected, (c) developmental life stage, (d) tick identifier, (e) identification method (molecular, morphologic), and (f) the depository. With the exception of knowing this tick was collected from a human, no other background information is available on this Amblyomma tick. The person who identified this specimen has neither been recognized in the Material and Methods section, nor named in the Author Contributions…\nPresence of Babesia odocoilei and Borrelia burgdorferi Sensu Stricto in a Tick and Dual Parasitism of Amblyomma inornatum and Ixodes scapularis on a Bird in Canada\nWild birds transport ticks into Canada that harbor a diversity of zoonotic pathogens. However, medical practitioners often question how these zoonotic pathogens are present in their locality. In this study, we provide the first report of an Amblyomma inornatum tick cofeeding with a blacklegged tick, Ixodes scapularis, which parasitized a Veery, Catharus fuscescens—a neotropical songbird.\nExtensive Distribution of the Lyme Disease Bacterium, Borrelia burgdorferi Sensu Lato, in Multiple Tick Species Parasitizing Avian and Mammalian Hosts across Canada\nLyme disease, caused by the spirochetal bacterium, Borrelia burgdorferi sensu lato (Bbsl), is typically transmitted by hard-bodied ticks (Acari: Ixodidae). Whenever this tick-borne zoonosis is mentioned in medical clinics and emergency rooms, it sparks a firestorm of controversy\nFar-Reaching Dispersal of Borrelia burgdorferi Sensu Lato-Infected Blacklegged Ticks by Migratory Songbirds in Canada\nLyme disease has been documented in northern areas of Canada, but the source of the etiological bacterium, Borrelia burgdorferi sensu lato (Bbsl) has been in doubt. We collected 87 ticks from 44 songbirds during 2017, and 24 (39%) of 62 nymphs of the blacklegged tick, Ixodes scapularis, were positive for Bbsl.\nHuman Babesiosis Caused by Babesia duncani Has Widespread Distribution across Canada By: John D. Scott and Catherine M. Scott\nHuman babesiosis caused by Babesia duncani is an emerging infectious disease in Canada. This malaria-like illness is brought about by a protozoan parasite infecting red blood cells. Currently, controversy surrounds which tick species are vectors of B. duncani. Since the availability of a serological or molecular test in Canada for B. duncani has been limited, we conducted a seven-year surveillance study (2011–2017) to ascertain the occurrence and geographic distribution of B. duncani infection country-wide.\nLyme Disease Propelled by Borrelia burgdorferi-Infected Blacklegged Ticks, Wild Birds and Public Awareness ─ Not Climate Change\nThe blacklegged tick, Ixodes scapularis, is of major public health importance as a vector of Borrelia burgdorferi, the causal organism of Lyme disease. Migratory songbirds are involved in short- and longdistance transport of bird-feeding ticks, and play a vital role in the wide dispersal of I. scapularis and the epidemiology of Lyme disease.\nWe would like to applaud the author for conducting such an important study by performing a comprehensive assessment of suicide and its association with Lyme-associated diseases (LADs).1 It is the first study of its kind, and it raises a need for further investigation on this subject. Suicide is a major health care issue in the USA, contributing to almost 42,773 deaths in the USA in 2014.2 There is no data available specific to suicide associated with LAD. Dr Bransfield inferred the possible prevalence of suicide associated with LAD by an indirect method which revealed that 414,540 patients with LAD have suicidal ideation, 31,100 attempt suicide and a total of 1,244 commit suicide in the USA per year from LAD.\nBackground: Recent reports indicate that more than 300,000 cases of Lyme disease are diagnosed yearly in the USA. Preliminary clinical, epidemiological and immunological studies suggest that infection with the Lyme disease spirochete Borrelia burgdorferi (Bb) could be transferred from person to person via intimate human contact without a tick vector. Detecting viable Borrelia spirochetes in vaginal and seminal secretions would provide evidence to support this hypothesis.\nCongenital Tick Borne Diseases: Is This An Alternative Route of Transmission of Tick-Borne Pathogens In Mammals? (2015)\nTick-borne diseases (TBDs) have become a popular topic in many medical journals. Besides the obvious participation of ticks in the transmission of pathogens that cause TBD, little is written about alternative methods of their spread. An important role is played in this process by mammals, which serve as reservoirs…\nWe provide the first reported case of tick paralysis in a wildlife animal caused by the western blacklegged tick, Ixodes pacificus Cooley & Kohls. Six I. pacificus females and one male were collected from a feral Snowshoe Hare roaming the coastal area of southwestern British Columbia, Canada. When the hare was rescued from the forest habitat, it was unable to walk, and showed typical symptoms of tick paralysis, including ascending flaccid paralysis. At the nearby wildlife rehabilitation centre, engorged I. pacificus females were collected from the hare….\nEvidence-based guidelines for the management of patients with Lyme disease were developedby the International Lyme and Associated Diseases Society (ILADS). The guidelines address three clinical questions – the usefulness of antibiotic prophylaxis for known tick bites, the effectiveness of erythema migrans treatment and the role of antibiotic retreatment in patients with persistent manifestations of Lyme disease. Healthcare providers who evaluate and manage patients with Lyme disease are the intended users of the new ILADS guidelines, which replace those issued in 2004 (Exp Rev Anti-infect Ther 2004;2:S1–13). These clinical practice guidelines are intended to assist clinicians by presenting evidence-based treatment recommendations, which follow the Grading of Recommendations Assessment, Development and Evaluation system. ILADS guidelines are not intended to be the sole source of guidance in managing Lyme disease and they should not be viewed as a substitute for clinical judgment nor used to establish treatment protocols.\nThe following references for persistence of Lyme disease (Lyme borreliosis) are listed alphabetically and chronologically:\nThe prevalence of Borrelia miyamotoi infection, and co-infections with other Borrelia spp. in Ixodes scapularis ticks collected in Canada\nBlacklegged ticks, Ixodes scapularis are vectors of the tick-borne pathogens Borrelia burgdorferi, Anaplasma phagocytophilum and Babesia microti. Recently, the I. scapularis-borne bacterium Borrelia miyamotoi has been linked to human illness in North America. The range of this tick is expanding in Canada which may increase the potential for human exposure to these agents.\nPredicting the speed of tick invasion: an empirical model of range expansion for the Lyme disease vector Ixodes scapularis in Canada (2012)\nOver the past two decades, Ixodes scapularis, the primary tick vector of the Lyme disease pathogen Borrelia burgdorferi in North America has expanded its range northward from the USA to colonize new regions in southern Canada. We have previously projected range increases for I. scapularis based on temperature suitability, but to what extent this is matched by actual tick range expansion is unknown.\nLyme Ontario Research\nDetection of Anaplasma phagocytophilum, Babesia odocoilei, Babesia sp., Borrelia burgdorferi Sensu Lato, and Hepatozoon canis in Ixodes scapularis Ticks Collected in Eastern Canada\nTick-borne pathogens cause infectious diseases that inflict much societal and financial hardship worldwide. Blacklegged ticks, Ixodes scapularis, are primary vectors of several epizootic and zoonotic pathogens. The aim sets forth the pathogens and their prevalence. In Ontario and Quebec, 113 I. scapularis ticks were collected from songbirds, mammals, including humans, and by flagging. PCR and DNA sequencing detected five different microorganisms: Anaplasma phagocytophilum, 1 (0.9%); Babesia odocoilei, 17 (15.3%); Babesia microti-like sp., 1 (0.9%); Borrelia burgdorferi sensu lato (Bbsl), 29 (26.1%); and Hepatozoon canis, 1 (0.9%). Five coinfections of Bbsl and Babesia odocoilei occurred.\nFirst record of locally acquired human babesiosis in Canada caused by Babesia duncani: a case report\nAugust 29, 2017\nObjectives: The aim of this clinical assessment was to ascertain whether a 70-year-old Canadian patient, who had no history of out-of-country travel, had contracted a Babesia infection.\nMethods: The adult human male developed constitutional symptoms, which included sweats, chills, and immobilizing fatigue, and was screened for human babesiosis. Subsequent testing included a complete Babesia panel that consisted of B. microti immunoflourescent antibody IgM and IgG, B. duncani immunofluorescent antibody IgM and IgG, Babesia PCR, and Babesia fluorescent in situ hybridization (FISH) test.\nResults: Both the IgM serology and the molecular FISH RNA probe were positive for B. duncani; all tests for B. microti were negative. Based on clinical symptoms and laboratory tests, the patient was diagnosed with human babesiosis. Interestingly, the patient’s wife also was confirmed positive using serological and molecular testing.\nConclusions: This is the first report of a locally acquired case of human babesiosis in Canada caused by Babesia duncani. The geographical distribution of B. duncani in North America is much greater than previously anticipated, especially north of the Canada-United States border. Since the patient was bitten by a blacklegged tick, Ixodes scapularis, a carrier of multiple\nzoonotic pathogens, the author suggests that this tick species is a vector of B. duncani. Health-care providers must be aware that B. duncani is present in Canada, and poses a public health risk.\nLyme Disease Bacterium, Borrelia burgdorferi Sensu Lato, Detected in Multiple Tick Species at Kenora, Ontario, Canada\nMarch 20th, 2017\nThe Lyme disease bacterium, Borrelia burgdorferi sensu lato (s.l.), is typically transmitted to mammalian hosts, including humans, by ixodid (hard-bodied) ticks (Acari: Ixodidae) . Each tick species has its own set of suitable hosts, and Lyme disease, a zoonosis, is incidental to humans and domestic animals [2,3]. Left untreated or inadequately treated, Lyme disease can inflict a myriad of multisystemic clinical manifestations.\nDetection of Lyme Disease Bacterium, Borrelia burgdorferi sensu lato, in Blacklegged Ticks Collected in the Grand River Valley, Ontario, Canada\nFebruary 8th, 2017\nWe document the presence of blacklegged ticks, Ixodes scapularis, in the Grand River valley, Centre Wellington, Ontario. Overall, 15 (36%) of 42 I. scapularis adults collected from 41 mammalian hosts (dogs, cats, humans) were positive for the Lyme disease bacterium, Borrelia burgdorferi sensu lato (s.l.). Using real-time PCR testing and DNA sequencing of the flagellin (fla) gene, we determined that Borrelia amplicons extracted from I. scapularis adults belonged to B. burgdorferi sensu stricto (s.s.), which is pathogenic to humans and certain domestic animals. Based on the distribution of I. scapularis adults within the river basin, it appears likely that migratory birds provide an annual influx of I. scapularis immatures during northward spring migration. Health-care providers need to be aware that local residents can present with Lyme disease symptoms anytime during the year.\nEpizootiology of the Lyme Disease Spirochete, Borrelia Burgdorferi in Blaclegged Ticks, Ixodes Scapularis and Small Mammals at Point Pelee National Park\nMarch 31, 2000\nThe blacklegged tick, Ixodes scapularis has an established population at Point Pelee National Park (PPNP).\nEstablished Population of Blacklegged Ticks with High Infection Prevalence for the Lyme Disease Bacterium, Borrelia burgdorferi Sensu Lato, on Corkscrew Island, Kenora District, Ontario (2016)\nPublished: October 27, 2016\nWe document an established population of blacklegged ticks, Ixodes scapularis, on Corkscrew Island, Kenora District, Ontario, Canada. Primers of the outer surface protein A (OspA) gene, the flagellin (fla) gene, and the flagellin B (flaB) gene were used in the PCR assays to detect Borrelia burgdorferi sensu lato (s.l.), the Lyme disease bacterium. In all, 60 (73%) of 82 adult I. scapularis, were infected with B. burgdorferi s.l. As well, 6 (43%) of 14 unfed I. scapularis nymphs were positive for B. burgdorferi s.l. An I. scapularis larva was also collected from a deer mouse, and several unfed larvae were gathered by flagging leaf litter. Based on DNA sequencing of randomly selected Borrelia amplicons from six nymphal and adult I. scapularis ticks, primers for the flagellin (fla) and flagellin B (flaB) genes reveal the presence of B. burgdorferi sensu stricto (s.s.), a genospecies pathogenic to humans and certain domestic animals. We collected all 3 host-feeding life stages of I. scapularis in a single year, and report the northernmost established population of I. scapularis in Ontario. Corkscrew Island is hyperendemic for Lyme disease and has the highest prevalence of B. burgdorferi s.l. for any established population in Canada. Because of this very high infection prevalence, this population of I. scapularis has likely been established for decades. Of epidemiological significance, cottage owners, island visitors, outdoors enthusiasts, and medical professionals must be vigilant that B. burgdorferi s.l.-infected I. scapularis on Corkscrew Island pose a serious public health risk.\nFirst Record of Ixodes affinis Tick (Acari: Ixodidae) Infected with Borrelia burgdorferi Sensu Lato Collected from a Migratory Songbird in Canada (2016)\nPublished: June, 2016\nMigratory songbirds transport hard-bodied ticks (Acari: Ixodidae) into Canada during northward spring migration, and some of these bird-feeding ticks harbor a wide diversity of pathogenic microorganisms. In this study, we collected a nymphal Ixodes affinis Neumann from a Common Yellowthroat, Geothylypis trichas (Linnaeus), at Ste-Anne-de-Bellevue, Québec, and it was infected with the Lyme disease bacterium, Borrelia burgdorferi sensu lato (s.l.) Johnson, Schmid, Hyde, Steigerwalt & Brenner. Using PCR on this tick extract and DNA sequencing on the borrelial amplicons, we detected B. burgdorferi sensu stricto (s.s.), a genospecies that is pathogenic to people and certain domestic animals. In addition, we collected an I. affinis nymph from a Swainson’s Thrush, Catharus ustulatus (Nuttall), at Toronto, Ontario, and a co-feeding nymphal blacklegged tick, Ixodes scapularis Say, tested positive for B. burgdorferi s.s. These bird-tick findings constitute the first reports of I. affinis in Ontario and Québec and, simultaneously, the first report of a B. burgdorferi s.l.-infected I. affinis in Canada. Since Neotropical and southern temperate songbirds have a rapid flight pace, they are capable of transporting ticks infected with B. burgdorferi s.l. hundreds of kilometres to Canada. Healthcare professionals should be cognisant that migratory songbirds can transport diverse genotypes of B. burgdorferi s.l. into Canada from southern latitudes that may be missed by current Lyme disease serological tests.\nDetection of Borrelia americana in the Avian Coastal Tick, Ixodes auritulus (Acari: Ixodidae), Collected from a Bird Captured in Canada (2016)\nPublished: July, 2016\nWe document the first record of Borrelia americana in Canada. This Borrelia was detected in an avian coast tick, Ixodes auritulus (Acari: Ixodidae), collected from a Varied Thrush, Ixoreus naevius, along coastal British Columbia. Using real-time PCR and DNA sequencing of the flagellin gene, we determined that the borrelial amplicon from the I. auritulus nymph was 99% homologous with B. americana type strain SCW-41. Because patients infected with B. americana can be seronegative for Lyme disease, medical professionals should be willing to pursue molecular analyses and con-ider treatment for patients with Lyme disease-like symptoms.\nPublished: June, 2016\nBobbi Pritt and colleagues1 reveal that Borrelia mayonii is a new member of the Borrelia burgdorferi sensu lato complex, and show that this spirochete is pathogenic to human beings. However, the authors err on several key points. They state B burgdorferi sensu stricto was previously the only cause of Lyme borreliosis in the USA. With the discovery of B mayonii, they take credit for describing the first non-B burgdorferi sensu stricto in patients in the USA; this assumption is not true. Girard and colleagues2 reported B bissettii in patients in California and Clark and colleagues3 documented B americana and B andersonii in human blood from resi dents in the southeastern USA. Further more, Rudenko and colleagues4 reported a B bissettiilike strain in a Florida patient. In all of these cases, patients had clinical symptoms commonly associated with Lyme borreliosis.\nPrevalence of the Lyme Disease Spirochete, Borrelia burgdorferi, in Blacklegged Ticks, Ixodes scapularis at Hamilton-Wentworth, Ontario (2016)\nPublished: April 10, 2016\nLyme disease has emerged as a major health concern in Canada, where the etiological agent, Borrelia burgdorferi sensu lato (s.l.), a spirochetal bacterium, is typically spread by the bite of certain ticks. This study explores the presence of B. burgdorferi s.l. in blacklegged ticks, Ixodes scapularis, collected at Dundas, Ontario (a locality within the region of Hamilton-Wentworth). Using passive surveillance, veterinarians and pet groomers were asked to collect blacklegged ticks from dogs and cats with no history of travel. Additionally, I. scapularis specimens were submitted from local residents and collected by flagging. Overall, 12 (41%) of 29 blacklegged ticks were infected with B. burgdorferi s.l. Using polymerase chain reaction (PCR) and DNA sequencing, two borrelial amplicons were characterized as B. burgdorferi sensu stricto (s.s.), a genospecies pathogenic to humans and certain domestic animals. Notably, three different vertebrate hosts each had two engorged I. scapularis females removed on the same day and, likewise, one cat had three repeat occurrences of this tick species. These multiple infestations suggest that a population of I. scapularis may be established in this area. The local public health unit has been underreporting the presence of B. burgdorferi s.l.-infected I. scapularis in the area encompassing Dundas. Our findings raise concerns about the need to erect tick warning signs in parkland areas. Veterinarians, medical professionals, public health officials, and the general public must be vigilant that Lyme disease-carrying blacklegged ticks pose a public health risk in the Dundas area and the surrounding Hamilton-Wentworth region.\nTicks parasitizing gallinaceous birds in Canada and first record of Borrelia burgdorferi-infected Ixodes pacificus (Acari: Ixodidae) from California Quail (2016)\nPublished: January 16, 2016\nIn far-western Canada, gallinaceous birds are hosts of hard ticks (Ixodida: Ixodidae) that can carry zoonotic pathogens. In this study, we collected the avian coastal tick, Ixodes auritulus Neumann, the western blacklegged tick, Ixodes pacificus Cooley & Kohls, and Ixodes spinipalpis Hadwen & Nuttall, from gallinaceous birds on Vancouver Island, British Columbia. Notably, we provide the first records of these three tick species on California Quail, Callipepla californica (Shaw), in Canada. We document the first records of I. auritulus parasitizing Sooty Grouse, Dendragapus fulginosis (Ridway). Moreover, we furnish the first report of I. spinipalpis on a quail. An I. pacificus nymph was collected from a California Quail, and it was positive for the Lyme disease bacterium, Borrelia burgdorferi sensu lato (s.l.) Johnson, Schmid, Hyde, Steigerwalt & Brenner. Using PCR on the nymphal extract and DNA sequencing on the borrelial amplicon, we specifically detected B. burgdorferi sensu stricto (s.s.), a genospecies pathogenic to humans and certain domestic animals. Since some ground-dwelling birds are involved in the enzootic maintenance of Lyme disease, veterinarians, wildlife rehabilitators, hunters, and health-care providers should be vigilant that gallinaceous birds may play a role in the enzootic transmission of B. burgdorferi s.l. in Canada.\nPublished: November 30, 2015\nWe document Amblyomma dissimile Koch (Acari: Ixodidae) parasitizing a bird in Canada. A partially engorged A. dissimile nymph was collected from a Veery, Catharus fuscescens (Stephens) (Passeriformes: Turdidae), in Toronto, Ontario during spring migration. This constitutes the first authentic host record of A. dissimile on a bird in North America and, likewise, on a Veery, plus a new distributional record in Canada. Veeries could theoretically transport A. dissimile from as far south as southeastern Brazil, a distance of over 7,500 km. Experimentally, A. dissimile can transmit Ehrlichia ruminantium (Ricksettiales), which causes heartwater, a severe disease of cattle and other ungulates. Since a fully engorged A. dissimile nymph could likely molt during the summer in northern latitudes, this tick species could potentially parasitize local reptiles, people or ungulates, and cause autochtonous disease. Because A. dissimile is known to harbor rickettsiae in South America and is a laboratory vector of E. ruminantium, the medical and veterinary profession must be vigilant that A. dissimile may pose a health risk.\nFirst record of Amblyomma rotundatum tick (Acari: Ixodidae) parasitizing a bird collected in Canada (2015)\nPublished: February 27, 2015\nMigratory birds disperse engorged ticks across Canada during northward spring migration. During our tick-host study, we collected a nymphal Amblyomma rotundatum Koch, from a Veery, Catharus fuscescens (Stephens) (Passeriformes: Turdidae), at Long Point, Ontario, Canada. In the laboratory, this nymph molted to a female in 44 d. The infestation of A. rotundatum on a Veery constitutes a first tick-host record, and a new distributional record in Canada. Notably, this novel collection is the northernmost record of A. rotundatum and the first record of this species on a bird anywhere. We provide formidable evidence that migratory songbirds can carry A. rotundatum thousands of kilometers during northward spring migration. From an epidemiological perspective, A. rotundatum is known to harbor bacteria that are pathogenic to humans. Health-care providers should take note that migratory songbirds can transport A. rotundatum into Canada, and be alert that this tick species signifies an unforeseen public health risk to humans.\nNew records of the Lyme disease bacterium in ticks collected from songbirds in central and eastern Canada (2015)\nPublished: May 5, 2015\nThis study highlights the collection of ticks from wild-caught birds in central and eastern Canada. Using polymerase chain reaction (PCR), 32 (33%) of 98 Ixodes species ticks tested were positive for the Lyme disease bacterium, Borrelia burgdorferi sensu lato (s.l.) Johnson, Schmid, Hyde, Steigerwalt, and Brenner (hereafter B. burgdorferi). Immature blacklegged ticks, Ixodes scapularis Say, which are competent vectors of B. burgdorferi, constituted the predominant Ixodes species tick collected from parasitized songbirds; specifically, 31(35%) of 89 I. scapularis nymphs were positive for B. burgdorferi. Notably, we report the first B. burgdorferi-positive I. scapularis (nymph) on a migratory passerine in Prince Edward Island; this is the first record of a tick on a bird in this maritime province.\nInfection Prevalence of Borrelia burgdorferi in Ticks Collected from Songbirds in Far-Western Canada (2015)\nPublished: May 28, 2015\nWorldwide, wild birds play a vital role in the dispersal of ticks that harbour tick-borne pathogens, including Borrelia burgdorferi, the Lyme disease bacterium. Using PCR testing, we found 124 (31%) of 405 ticks (4 species), which were collected from 21 species of birds in far-western Canada, to be infected with B. burgdorferi. Transstadial transmission of B. burgdorferi occurred from larva to nymph, plus nymph to adult, in the avian coastal tick, Ixodes auritulus, collected from songbirds in British Columbia (B.C). Collectively, all 3 motile life stages (larva, nymph, adult) of this tick had an infection prevalence of 31% for B. burgdorferi, which suggests vector competency. A Pacific Wren was highly infested with I. auritulus immatures, and 20 (44%) of 45 ticks (2 nymphs, 43 larvae) were infected with B. burgdorferi. This heavy infestation shows the high potential to initiate a new population of ticks and to disseminate Lyme spirochetes. Epidemiologically, B. burgdorferi-in- fected I. auritulus larvae collected from the Spotted Towhee, Swainson’s Thrush, Pacific Wren, and Fox Sparrow suggest that these avian hosts act as reservoirs for B. burgdorferi. In this study, the western blacklegged tick, Ixodes pacificus, and Ixodes spinipalpis played a limited role in the enzo- otic transmission cycle of B. burgdorferi along coastal B.C. We document the first record of I. spinipalpis on a bird in Alberta. Because songbirds widely disperse Lyme disease vector ticks, primary health providers and the general public must be vigilant that outdoors people may be bitten by B. burgdorferi-infected ticks throughout far-western Canada.\nPublished: January 30, 2014\nThis 2-year study implicates migratory songbirds in the initiation of an inland Lyme disease endemic area in southeastern Ontario. The spirochetal bacterium, Borrelia burgdorferi sensu lato Johnson, Schmid, Hyde, Steigerwalt & Brenner, which causes Lyme disease, was detected in blacklegged ticks, Ixodes scapularis Say, collected by flagging. Based on PCR amplification, 19 (33.3%) of 57 I. scapularis adults (males, females) were infected with B. burgdorferi. Since transovarial transmission of B. burgdorferi is nil in I. scapularis and white-tailed deer, Odocoileus virginianus Zimmermann, are not reservoircompetent hosts, we suggest that songbirds are the mode of introduction of B. burgdorferi-infected I. scapularis. All of the natural abiotic and biotic attributes are present to establish a Lyme disease endemic area. Blacklegged ticks survived the winter successfully at the epicentre. We provide substantial evidence that migratory songbirds initially introduced Lyme disease vector ticks and B. burgdorferi spirochetes to this remote woodland habitat and initiated an established population of blacklegged ticks.\nFirst Detection of Lyme Disease Spirochete Borrelia burgdorferi in Ticks Collected from a Raptor in Canada (2013)\nDuring a pan-Canadian tick-host study, we detected the spirochetal bacterium, Borrelia burgdorferi sensu lato, which causes Lyme disease, in ticks collected from a raptor. Lyme disease is one of a number of zoonotic, tick-borne diseases causing morbidity and mortality worldwide. Larvae of the avian coastal tick, Ixodes auritulus, were collected by wildlife rehabilitators from a Cooper’s hawk, Accipiter ooperii, on Vancouver Island, British Columbia. Using PCR amplification of the linear plasmid ospA gene of B. burgdorferi, 4 (18%) of 22 larvae were positive. Since these engorged I. auritulus larvae had not had a previous blood meal and B. burgdorferi is rarely transmitted from infected female ticks to their progeny, we propose that Cooper’s Hawks are reservoir-competent hosts of B. burgdorferi. Our tick-host discovery provides the first report of bird-feeding ticks on a Cooper’s Hawk, and exhibits the premiere record of B. burgdorferi-positive ticks on a raptor. Not only are passerine (perching) and gallinaceous (chicken-like) birds involved in the wide dispersal of Lyme disease vector ticks, raptors are now also implicated in the dissemination of B. burgdorferiinfected ticks. Although I. auritulus does not bite humans, this tick species plays an integral role in the 4-tick enzootic cycle of B. burgdorferi along the West Coast of North America. In essence, raptors and I. auritulus ticks may help to amplify this infectious agent in nature, and increase the likelihood of people contracting Lyme disease, especially in coastal areas.\nWidespread Dispersal of Borrelia Burgdorferi-Infected Ticks Collected from Songbirds Across Canada (2012)\nMillions of Lyme disease vector ticks are dispersed annually by songbirds across Canada, but often overlooked as the source of infection. For clarity on vector distribution, we sampled 481 ticks (12 species and 3 undetermined ticks) from 211 songbirds (42 species/subspecies) nationwide. Using PCR, 52 (29.5%) of 176 Ixodes ticks tested were positive for the Lyme disease spirochete, Borrelia burgdorferis.l. Immature blacklegged ticks,Ixodes scapularis, collected from infested songbirds had a B. burgdorferi infection prevalence of 36% (larvae, 48%; nymphs, 31%). Notably, Ixodes affinis is reported in Canada for the first time and, similarly, Ixodes auritulus for the initial time in the Yukon. Firsts for bird-parasitizing ticks include I. scapularis in Quebec and Saskatchewan. We provide the first records of 3 tick species cofeeding on passerines (song sparrow, Swainson’s thrush). New host records reveal I. scapularis on the blackpoll warbler and Nashville warbler. We furnish the following first Canadian reports of B. burgdorferi–positive ticks: I. scapularis on chipping sparrow, house wren, indigo bunting; I. auritulus on Bewick’s wren; and I. spinipalpis on a Bewick’s wren and song sparrow. First records of B. burgdorferi–infected ticks on songbirds include the following: the rabbit-associated tick, Ixodes dentatus, in western Canada; I. scapularis in Quebec, Saskatchewan, northern New Brunswick, northern Ontario; and Ixodes spinipalpis(collected in British Columbia). The presence ofB. burgdorferi in Ixodeslarvae suggests reservoir competency in 9 passerines (Bewick’s wren, common yellowthroat, dark-eyed junco, Oregon junco, red-winged blackbird, song sparrow, Swainson’s thrush, swamp sparrow, and white-throated sparrow). We report transstadial transmission (larva to nymph) of B. burgdorferi in I. auritulus. Data suggest a possible 4-tick, i.e.,I. angustus,I. auritulus,I. pacificus, and I. spinipalpis, enzootic cycle ofB. burgdorferi on Vancouver Island, British Columbia. Our results suggest that songbirds infested with B. burgdorferi–infected ticks have the potential to start new tick populations endemic for Lyme disease. Because songbirds disperse B. burgdorferi–infected ticks outside their anticipated range, health-care providers are advised that people can contract Lyme disease locally without any history of travel.\nLyme disease is reported across Canada, but pinpointing the source of infection has been problematic. In this three-year, bird-tick-pathogen study (2004-2006), 366 ticks representing 12 species were collected from 151 songbirds (31 passerine species/subspecies) at 16 locations Canada-wide. Of the 167 ticks/pools tested, 19 (11.4%) were infected with Borrelia burgdorferi sensu lato (s.l.). Sequencing of the rrf-rrl intergenic spacer gene revealed four Borrelia genotypes: B. burgdorferi sensu stricto (s.s.) and three novel genotypes (BC genotype 1, BC genotype 2, BC genotype 3). All four genotypes were detected in spirochete-infected Ixodes auritulus (females, nymphs, larvae) suggesting this tick species is a vector for B. burgdorferi s.l. We provide first-time records for: ticks in the Yukon (north of 60° latitude), northernmost collection of Amblyomma americanum in North America, and Amblyomma imitator in Canada. First reports of bird-derived ticks infected with B. burgdorferi s.l. include: live culture of spirochetes from Ixodes pacificus (nymph) plus detection in I. auritulus nymphs, Ixodes scapularis in New Brunswick, and an I. scapularis larva in Canada. We provide the first account of B. burgdorferi s. l. in an Ixodes muris tick collected from a songbird anywhere. Congruent with previous data for the American Robin, we suggest that the Common Yellowthroat, Golden-crowned Sparrow, Song Sparrow, and Swainson’s Thrush are reservoir-competent hosts. Song Sparrows, the predominant hosts, were parasitized by I. auritulus harboring all four Borrelia genotypes. Our results show that songbirds import B. burgdorferi s.l.-infected ticks into Canada. Bird-feeding I. scapularis subadults were infected with Lyme spirochetes during both spring and fall migration in eastern Canada. Because songbirds disperse millions of infected ticks across Canada, people and domestic animals contract Lyme disease outside of the known and expected range.\nFirst Isolation of Lyme Disease Spirochete, Borrelia burgdorferi, from Ticks Collected from Songbirds in Ontario, Canada (2009)\nThis study documents the first isolation of the Lyme disease spirochete, Borrelia burgdorferi, from ticks attached to songbirds in Ontario. Viable spirochetes were cultured from a nymph of the blacklegged tick, Ixodes scapularis Say, detached from a Hermit Thrush, Catharus guttatus. Similarly, B. burgdorferi isolates were obtained from I. Scapularis nymphs collected from a House Wren, Troglodytes aedon. These B. burgdorferi isolates show divergent heterogeneity indicating that some strains originated from nearby locales and others from southern latitudes. Lyme disease vector ticks are transported by northward-migrating songbirds, and dispersed widely across southern Canada. Importantly, B. burgdorferi-infected I. scapularis ticks pose a public health risk to people and domestic animals wherever they are released.\nBorrelia burgdorferi sensu stricto (s.s.) was isolated from questing adult Ixodes scapularis Say ticks collected from Turkey Point Provincial Park (TPPP), Ontario, Canada during 2005-2006. DNA from ten (67%) of 15 pools of ticks was confirmed positive for B. burgdorferi s.s. using polymerase chain reaction (PCR) by targeting the rrf (5S)-rrl (23S) intergenic spacer region and OspA genes. This significant infection rate indicates an accelerated development of B. burgdorferi s.s. in TPPP, because this pathogen was not detected five years previously during sampling of the three motile life stages of I.\nscapularis. Our study provides the initial report of the presence of B. burgdorferi s.s. in TPPP, which is now endemic for Lyme disease. Ultimately, people and domestic animals are at risk of contracting Lyme disease when they frequent this park.\nThe blacklegged tick, Ixodes scapularis Say (Acari: Ixodidae), has a wide geographical distribution in Ontario, Canada, with a detected range extending at least as far north as the 50th parallel. Our data of 591 adult I. scapularis submissions collected from domestic animals (canines, felines, and equines) and humans during a 10-yr period (1993-2002) discloses a monthly questing activity in Ontario that peaks in May and October. The Lyme disease spirochete Borrelia burgdorferi Johnson, Schmidt, Hyde, Steigerwalt & Brenner was detected in 12.9% of I. scapularis adults collected from domestic hosts with no history of out-of-province travel or exposure at a Lyme disease endemic area. Fifty-three isolates of B. burgdorferi were confirmed positive with polymerase chaim reaction by targeting the rrf (5S)-rrl (23S) gene. Using DNA sequencing of the ribosomal species-specific rrf (5S)-rrl (23S) intergenic spacer region, all isolates belong to the pathogenic genospecies B. burgdorferi sensu stricto (s.s.). Nucleotide sequence analyses of a 218- to 220-bp amplicon fragment exhibits six cluster patterns and, collectively, these isolates branch into four phylogenetic cluster groups for both untraveled, mammalian hosts and those with travel to the northeastern United States (New Jersey and New York). Four of five geographic regions in Ontario had strain variants consisting of three different genomic cluster groups. Overall our molecular characterization of B. burgdorferi s.s. shows genetic heterogeneity within Ontario and displays and connecting link to common strains from Lyme disease endemic areas in the northeastern United States. Moreover, our findings of B. burgdorferi in I. scapularis reveal that people and domestic animals may be exposed to Lyme disease vector ticks, which have wide-ranging distribution in eastern and central Canada.\nDuring a 3-yr comprehensive study, 196 ixodid ticks (9 species) were collected from 89 passerine birds (32 species) from 25 localities across Canada to determine the distribution of avian-associated tick species and endogenous Lyme disease spirochetes, Borrelia burgdorferi Johnson, Schmid, Hyde, Steigerwalt, and Brenner. We report the following first records of tick parasitism on avian hosts: the rabbit-associated tick, Ixodes dentatus Marx, from Manitoba and Ontario; the mouse tick, Ixodes muris Bishopp and Smith, from British Columbia; and the blacklegged tick, Ixodes scapularis Say, from New Brunswick. Moreover, we provide the first record of the Neotropical tick, Amblyomma huinerale Koch (1 nymph), in Canada and its parasitism of any bird. This tick was compared morphologically with nymphs of other Neotropical Amblyomma spp., and genetically, using a 344-bp fragment of the 12S rDNA sequence of 41 New World Amblyomma species. The first collections of the western blacklegged tick, Ixodes pacificus Cooley and Kohls, from passerine species in Alberta and British Columbia, are also reported. Notably, we further report the first isolation of B. burgdorferi from the bird tick, Ixodes auritulus Neumann, collected from an American robin, Turdus migratorius L., on Vancouver Island. Furthermore, B. burgdorferi-positive 1. auritulus larvae were collected from a reservoir-competent fox sparrow, Passerella iliaca (Merrem). Our findings indicate that ground-dwelling pas-serines, in particular, are parasitized by certain ixodid ticks and play an important role across Canada in the wide dispersal of B. burgdorferi-infected ticks and increased risk of Lyme disease exposure.\nThe Lyme disease spirochete, Borrelia burgdcnferi Johnson, Schmidt, Hyde, Steigerwalt, and Brenner was discovered in blacklegged ticks, Ixodes scapularis Say at Rondeau Provincial Park, Ontario, Canada. During this 2-yr study, spirochetes were found in B. burgdolferi-positive I. scapularis larvae attached to B. burgdoiferi-infected white-footed mice, Peromyscus leucopus Rafinesque. Isolates of B. burgdorferi were cultured from blacklegged tick adults, and confirmed positive with polymerase chain reaction by targeting OspA and rif (55)-rrl (23S) genes. These findings show an endemic area for B. burgdorferi within an established population of I. scapularis at Rondeau Provincial Park.\nA total of 152 ixodid ticks (Acari: Ixodidae) consisting of nine species was collected from 82 passerine birds (33 species) in 14 locations in Canada from 1996 to 2000. The Lyme disease spirochete Borrelia burgdorferi Johnson, Schmidt, Hyde, Steigerwaldt & Brenner was cultured from the nymph of a blacklegged tick, Ixodes scapularis Say, that had been removed from a common yellowthroat, Geothlypis triehas L., from Bon Portage Island, Nova Scotia. As a result of bird movement, a nymphal I. scapulas-is removed from a Swainson’s thrush, Catharus ustulatus imams (Godfrey), at Slave Lake, Alberta, during spring migration becomes the new, most western and northern record of this tick species in Canada. Amblyomma longirostre Koch, Amblyomma sob anerae Stoll, and Ixodes baergi Cooley & Kohls are reported for the first time in Canada. Similarly, Amblyomma americanum L., Amblyomma maculatum Koch, and Ixodes muris Bishopp & Smith are reported for the first time on birds in Canada. After removal of an I. muris gravid female from a song sparrow, Melospiza melodia Wilson, at St. Andrews, New Brunswick, eggs were laid, which developed into larvae, and this new tick-host record demonstrates that birds have the potential to start a new tick population. We conclude that passerine birds disperse several species of ixodid ticks in Canada, and during spring migration translocate ticks from the United States, and Central and South America, some of which are infected with B. burgdorferi.\nThe Lyme disease spirochete, Borrelia burgdorferi, has been isolated from blacklegged ticks, Ixodes scapularis, collected at Rondeau Provincial Park. The Park is a peninsula located on the north shore of Lake Erie, in Chatham-Kent, and consists of Carolinian hardwood forest. This 3,254 hectare cuspate sandspit was formed by water currents depositing sand over several thousand years. The Park attracts high numbers of birds in the spring.\nLyme disease, the most common tick-borne disease in North America, is a multisystemic illness of humans and domestic animals caused by the spirochete Borrelia burgdolferi sensu lato (“in the broad sense”). Small mammals are the main reservoir hosts for this bacterium, and Ixodes scapularis (blacklegged tick) and Ixodes pacificus (western blacklegged tick) found in British Columbia are the principal vectors in Canada.\nThe Lyme disease spirochete, Borrelia burgdorferi, has been isolated from a blacklegged tick, Ixodes scapularis, removed from a songbird in Canada. On 28 May 1999, this engorged blacklegged tick nymph was removed from a common yellowthroat, Geothlypis trichas, collected during bird banding on Bon Portage Island, Nova Scotia.\nThe Lyme disease (LD) spirochete, Borrelia burgdorferi, has been isolated from a black-legged tick, Ixodes scapularis (northern pop-ulations formerly considered I. dammini). This is the first time that a live culture of B. burgdorferi has been isolated in the Thunder Bay District.\nBorrelia burgdorferi, the causal organism of Lyme disease, has been isolated from a black-legged tick, Ixodes scapularis, that was removed from a dog at Kenora, Ontario. This is the first time that B. burgdorferi spirochetes have been isolated from a black-legged tick on mainland Ontario.", "label": "No"}
+{"text": "Early NC emission controls save millions\nNorth Carolina finds itself well positioned to meet future Environmental Protection Agency regulations since the state’s Clean Smokestacks Act has already addressed certain emissions.\nA study by Duke University found that the sulfur dioxide (SO2) and nitrous oxide (NO2) reductions required by the Clean Smokestacks Act have given NC a head start on meeting two potential EPA rules on mercury and interstate air pollution.\nStates that have not been accounting for their emissions will likely have to retrofit their operations to comply with the new EPA guidelines.\nThe study, conducted by Duke’s Nicholas School for Environmental Policy Solutions, showed that while other states rush to get their facilities up to code, NC will save nearly $600 million by preemptively upgrading its facilities.\nOut-of-state power plants have a shorter window to adjust and electricity rates for consumers could increase.", "label": "No"}
+{"text": "+ Lk 11: 29-32\nWhile still more people gathered in the crowd, he said to them, “This generation is an evil generation; it seeks a sign, but no sign will be given it, except the sign of Jonah.\nJust as Jonah became a sign to the Ninevites, so will the Son of Man be to this generation.\nAt the judgment the queen of the south will rise with the men of this generation and she will condemn them, because she came from the ends of the earth to hear the wisdom of Solomon, and there is something greater than Solomon here.\nAt the judgment the men of Nineveh will arise with this generation and condemn it, because at the preaching of Jonah they repented, and there is something greater than Jonah here.\nThe New American Bible\nThe Catechism of the Catholic Church\nTHE DEFINITION OF SIN\n1849 Sin is an offense against reason, truth, and right conscience; it is failure in genuine love for God and neighbor caused by a perverse attachment to certain goods. It wounds the nature of man and injures human solidarity. It has been defined as “an utterance, a deed, or a desire contrary to the eternal law.”\n1850 Sin is an offense against God: “Against you, you alone, have I sinned, and done that which is evil in your sight.” Sin sets itself against God’s love for us and turns our hearts away from it. Like the first sin, it is disobedience, a revolt against God through the will to become “like gods,”123 knowing and determining good and evil. Sin is thus “love of oneself even to contempt of God.”124 In this proud self- exaltation, sin is diametrically opposed to the obedience of Jesus, which achieves our salvation.\n1851 It is precisely in the Passion, when the mercy of Christ is about to vanquish it, that sin most clearly manifests its violence and its many forms: unbelief, murderous hatred, shunning and mockery by the leaders and the people, Pilate’s cowardice and the cruelty of the soldiers, Judas’ betrayal – so bitter to Jesus, Peter’s denial and the disciples’ flight. However, at the very hour of darkness, the hour of the prince of this world, the sacrifice of Christ secretly becomes the source from which the forgiveness of our sins will pour forth inexhaustibly.\nSt John of God\nJohn of God, O.H. (March 8, 1495 – March 8, 1550) (Spanish: Juan de Dios and Portuguese: João de Deus) was a Portuguese-born soldier turned health-care worker in Spain, whose followers later formed the Brothers Hospitallers of Saint John of God, a worldwide Catholic religious institute dedicated to the care of the poor, sick, and those suffering from mental disorders. He has been canonized by the Catholic Church, and is considered one of Spain’s leading religious figures.\nCidade experienced a major religious conversion on Saint Sebastian’s Day (January 20) of 1537, while listening to a sermon by John of Ávila, a leading preacher of the day who was later to become his spiritual director and would encourage him in his quest to improve the life of the poor. At the age of 42 he had what was perceived at the time as an acute mental breakdown. Moved by the sermon, he soon engaged in a public beating of himself, begging mercy and wildly repenting for his past life. He was incarcerated in the area of the Royal Hospital reserved for the mentally ill and received the treatment of the day, which was to be segregated, chained, flogged, and starved. Cidade was visited by John of Avila, who advised him to be more actively involved in tending to the needs of others rather than in enduring personal hardships. John gained peace of heart, and shortly after left the hospital to begin work among the poor.\nAround this time, he made a pilgrimage to the shrine of Our Lady of Guadalupe in Extremadura, where it is said he experienced a vision of Mary, who encouraged him to work with the poor. Cidade expended all his energy in caring for the neediest people of the city. He established a house where he wisely tended to the needs of the sick poor, at first doing his own begging. When John began to put into effect his dream, because of the stigma attached to mental illness, he found himself misunderstood and rejected. For some time he was alone in his charitable work, soliciting by night the needed medical supplies, and by day attending to the needs of his patients and the hospital; but he soon received the cooperation of charitable priests and physicians. Many stories are related of the heavenly guests who visited him during the early days of his immense tasks, which were lightened at times by the archangel St. Raphael in person. To put a stop to his custom of exchanging his cloak with any beggar he chanced to meet, Sebastian Ramirez, Bishop of Tui, had a religious habit made for him, which was later adopted in all its essentials as the religious garb of his followers, and the bishop imposed on him for all time the name given him by the Infant Jesus, John of God.", "label": "No"}
+{"text": "On the Road\nTruck Driving Presents Unique Ergonomic Challenges\nErgonomics—the science of fitting the job to the worker, rather than the other way around— has become an important topic for many jobs that require hard physical labor. Construction and manufacturing were two industries where ergonomic principles were first pioneered— and where substantial savings were found as injuries and workers’ comp claims declined in numbers.\nBut in recent years, leaders in other industries have come to understand the economic and health benefits of a good ergonomic strategy.\nLong-haul trucking is one of these industries. As part of an industry with unique physical and mental challenges, trucking companies have to deal with risks and expenses that many industries never see. But as they have begun engaging on ergonomic issues, trucking companies have realized that better ergonomic strategies can save money and make their employees safer.\nTrucking - A Job Like No Other\nTrucking is a uniquely challenging profession. The risks of injury and death due to road accidents are relatively high—but those are not the only health risks that truckers face. At a time when some ergonomics experts have adopted the phrase “sitting is the new smoking” to emphasize the health risk of sedentary lifestyles, truckers must necessarily sit for hours in order to do their jobs.\nAccording to the National Center on Health, Physical Activity and Disability (NCHPAD), physical inactivity has been linked to higher rates of cancer, diabetes, cognitive decline, loss of bone mass, and obesity. Truckers are also reporting high rates of other health issues, such as carpal tunnel syndrome, deep vein thrombosis, and back pain.\nTruckers are required to go from sitting for hours to conducting hard physical labor, especially if they are responsible for unloading or loading their trucks. If truckers are required to pull a fifth-wheel pin on their rig, the torque and stress to the body of that task can also cause injury. Shoulder, elbow, and wrist injuries are associated with this task, and these can be very painful.\nEven getting out of trucks can cause injuries, if drivers don’t use three points of contact when climbing up and down from their cabs. Jumping out of a cab, putting tarp over a load, opening and closing panels, even fueling and washing windows—all can cause injury if a trucker is careless in transitioning from sitting to sudden, strenuous physical activity.\nBad Vibrations - Another Area of Physical Stress\nAmong the many ergonomic issues that drivers deal with, vibration is one of the most serious. According to Eckardt Johanning, MD, an occupational health specialist, whole-body vibration of the type that truckers experience can lead to serous back and spine issues.\n“Whole-body vibration stemming from engines and vehicles has been identified as an important mechanical stressor causing early and accelerated degenerative spine diseases, leading to back pain and spine disorders such as prolapsed discs,” Eckardt wrote in a 2015 paper. “Poor body posture, inadequate seat support and muscle fatigue are likely co-factors in the pathogenesis of musculoskeletal disorders of the spine in operators/drivers. High prevalence of back pain, early degenerative changes of the spine and herniated lumbar disc problems have been consistently reported among vibration exposed occupational groups: tractor drivers, truckers and interstate bus drivers.”\nThis concern about serious spine issues has led ergonomics experts to highly recommend air-ride cabs for truckers, or additional padding in seats. A variety of seat products have been linked to reductions in back pain and fatigue among truck drivers. These innovations can cost money to implement, but compared to the loss of productivity and high workers’ comp claims that are associated with back and spinal issues, the changes are well worth the investment.\nAn Egronomic Checklist\nFollow these recommendations to make the driver’s job more ergonomically correct—and ultimately safer.\n- Use an ergonomically correct seat; add extra padding if needed. The more the seat padding absorbs the truck’s vibration, the better for the driver.\n- Adjust the seat and steering wheel so that the driver can comfortably and completely manipulate the pedals without moving his or her back off the back of the seat.\n- Position the steering wheel to keep elbows as close to the driver’s sides as possible.\n- Tilt the seat 110 degrees from a driver’s legs to minimize pressure on spinal discs.\n- Position mirrors so the driver does not have to twist or move to see necessary fields of view.\n- Roll up a towel or cushion for extra back support, if needed.\n- When going on long trips, tilt the seat a notch or two every 20 minutes. This effectively changes the direction of the vibration on the body.\n- Take a 5 minute break every hour. Rest and stretch during each break.\n- Regularly change seating positions while driving to avoid poor blood circulation.\n- After ending a stretch of driving, rest for a while before doing any strenuous activity. Stretching is also recommended.\nFitness Makes a Better Driver\nCompanies should encourage healthy lifestyle and wellness activities in general—the physical stresses of driving are challenging, so a healthy lifestyle is all the more important. Encouraging healthy eating and exercise habits or providing resources such as gym memberships can be helpful and show that you are invested in your workers. Training on ergonomics is another wise investment.\nMany resources are now available for companies of all types and sizes to help put an effective ergonomic process in place. Your broker can provide education for drivers; the latest information on technology innovations and ergonomic best practices; and systems for analyzing claims data to better understand what issues are of particular interest to your company and your drivers.", "label": "No"}
+{"text": "The second law of thermodynamics leads to the definition of a new property called entropy, which is a quantitative measure of microscopic disorder for a system. The definition of entropy is based on the Clausius inequality, given by\nwhere the equality holds for internally or totally reversible processes and the inequality for irreversible processes. Any quantity whose cyclic integral is zero is a property, and entropy is defined as\nwhere Sgen is the entropy generated during the process. Entropy change is caused by heat transfer, mass flow, and irreversibilities. Heat transfer to a system increases the entropy, and heat transfer from a system decreases it. The effect of irreversibili- ties is always to increase the entropy.\nEntropy is a property, and it can be expressed in terms of more familiar properties through the T ds relations, expressed as\nThese two relations have many uses in thermodynamics and serve as the starting point in developing entropy-change relations for processes. The successful use of T ds relations de- pends on the availability of property relations. Such relations do not exist for a general pure substance but are available for incompressible substances (solids, liquids) and ideal gases.\nThe entropy-change and isentropic relations for a process can be summarized as follows:\nThe work done during a steady-flow process is proportional to the specific volume. Therefore, u should be kept as small as possible during a compression process to minimize the work input and as large as possible during an expansion process to maximize the work output.\nThe reversible work inputs to a compressor compressing an ideal gas from T1, P1 to P2 in an isentropic (Puk = constant), polytropic (Pun = constant), or isothermal (Pu = constant) manner, are determined by integration for each case with the following results:\nThe work input to a compressor can be reduced by using multistage compression with intercooling. For maximum savings from the work input, the pressure ratio across each stage of the compressor must be the same.", "label": "No"}
+{"text": "Carbon dioxide levels in atmosphere breach threshold\nLevels of CO2 in the atmosphere have surged past the 400 parts per million breaching an important threshold.\nThe benchmark was broken globally for the first time in recorded history in 2015 but according to the World Meteorological Organisation (WMO), 2016 will likely be the first full year to exceed the mark. The levels are unlikely to dip below the benchmark for “many generation.”\nWhile human emissions of CO2 remained fairly static between 2014 and 2015, the onset of a strong El Niño weather phenomenon caused a spike in levels of the gas in the atmosphere.\nEl Niño created drought conditions in tropical regions and vegetation was less able to absorb CO2.\nWhile the El Niño factor has now disappeared, the human impact on climate change has not, the WMO warns. There were also extra emissions from fires, sparked by the drier conditions.\nAll these conditions helped push the growth in the levels of CO2 in the atmosphere above the average for the last ten years the World Meteorological Organisation says in it’s annual Greenhouse Gas Bulletin.\nThe high threshold breaking levels were recorded at the atmospheric monitoring station in Mauna Loa, Hawaii.\nThe last time CO2 was regularly above 400ppm was three to five million years ago, say experts. Prior to 1800 atmospheric levels were around 280ppm, according to the US National Oceanic And Atmospheric Administration (Noaa).\n“The year 2015 ushered in a new era of optimism and climate action with the Paris climate change agreement,” said WMO Secretary-General Petteri Taalas.\n“But it will also make history as marking a new era of climate change reality with record high greenhouse gas concentrations.”\nThe report also details the growth in other greenhouse gases, including methane and nitrous oxide.\nIn 2015, levels of methane were 2.5 times greater than in the pre-industrial era, while nitrous oxide was 1.2 times above the historic measure. The study also points to the impact of these increased concentrations of warming gases on the world’s climate.\nBetween 1990 and 2015 there was a 37% increase in radiative forcing or warming effect, caused by a build up of these substances, from industrial, agricultural and domestic activities.\nThe WMO welcomes new initiatives like the global agreement to phase out HFC gases agreed recently in Rwanda, but argues that nations must retain their focus on cutting CO2.\n“Without tackling CO2 emissions, we cannot tackle climate change and keep temperature increases to below 2 degrees C above the pre-industrial era,” said Petteri Taalas.\n“It is therefore of the utmost importance that the Paris Agreement does indeed enter into force well ahead of schedule on 4 November and that we fast-track its implementation.”\nAround 200 nations who signed the Paris climate agreement will meet in Morocco in November to decide on the next steps forward.", "label": "No"}
+{"text": "Using your knowledge of electronegativity, tell whether each of the following bonds will be ionic.\nBonds are ionic when there is a large difference in electronegativities of the bonded atoms. Only c, e, and f are ionic.\nFor each pair, indicate which bond will be stronger.\na. C-H, Li-F\nb. Li-F, Mg-O\nc. Li-F, Cs-I\na. Li-F is stronger because it is an ionic bond while C-H is a covalent bond.\nb. Mg-O is stronger because Mg is charged 2+ and O is charged 2- while each ion in Li-F has only a charge of magnitude 1. Ions with higher charges are more strongly bound.\nc. Li-F is stronger than Cs-I because the Li-F bond is far shorter than the Cs-I bond. By Coulomb's law, shorter ionic bonds should be stronger.\nTwo ions of with charges +1 and -1 are separated by a distance of 1.0 angstroms. By what factor is the potential energy increased when those ions are moved to 4.0 angstroms away?\nAccording to Coulomb's law, the energy should increase by a factor of 4.", "label": "No"}
+{"text": "A mother can transmit HIV to her baby, but she can lower the risk by taking medicine when she is pregnant. A mother with HIV should not breastfeed her baby. HIV can be passed through breast milk. Women now are offered HIV tests when they are pregnant. By knowing if they are infected with HIV, moms can make the best choices for the health of themselves and their baby.", "label": "No"}
+{"text": "There's a story behind every caseback inscription, but the timeliness and significance of the inscription on a Patek Philippe pocket watch manufactured in 1905 up for auction at Heritage Auctions in Texas are particularly haunting in the context of 2020. The City of San Francisco gave this specific pocket watch to Dr. Rupert Blue in 1908 for his outstanding achievements in ridding San Francisco of the bubonic plague. Dr. Blue was a leading physician of the era and eventually went on to become the Surgeon General and the president of the American Medical Association.\nHis efforts against the bubonic plague in San Francisco came early in his career. Hearing the phrase, \"bubonic plague\" conjures up images of beaked masks and black robes typically associated with the 14th-century outbreak called Black Death, but the bacterium Yersinia pestis, and the deadly havoc it wreaks, isn't limited to medieval history. In fact, there was a massive outbreak in San Francisco in February of 1903, and then again in 1907 after an earthquake had allowed rats and their fleas, the actual carriers of the plague, to proliferate among the damage. Dr. Blue was the man on the front lines using science to combat the spreading plague during both instances and received this Patek Philippe pocket watch specifically for those efforts. (Although history does have a tendency to repeat itself, I have a hunch that Dr. Anthony Fauci won't ditch his Timex for a Patek Philippe any time soon.)\nAccording to the archival extract ordered from Patek Philippe in 2017, the pocket watch gifted to Dr. Blue uses a movement listed as 16‴, minute repeater, split seconds chronograph-register; lever escapement. The 45mm case is fashioned from 18K yellow gold, the dial from enamel, signed with \"Shreve & Co.\" The jeweler, incorporated in 1894, is one of the oldest commercial establishments in San Francisco. Pocket watches from as early as 1882 have been documented bearing the Shreve & Co signed dial. Patek Philippe pocket watches from prior to 1894 were distributed by Shreve & Co.'s predecessor, the Shreve Jewelry Company, from the same family behind Shreve, Crump & Low in Boston.\nAccording to John Reardon, a Patek expert, \"During the first part of the 20th century, it was common for watches to be given as presentation gifts to honored citizens, doctors, businessmen, etc. Typically, we see presentations for retirements and commemorative events.\" John is the founder of Collectability.com, and to demonstrate the common practice of gifting timepieces for folks who have served the public, he highlights a pocket watch he now has that was given to another medical hero, Dr. Walter B. Coffey, for his groundbreaking work on cancer research, also from San Francisco. Like the watch gifted to Dr. Blue, this one was purchased from Shreve & Co. as well. That pocket watch is cased in platinum, whereas Dr. Blue's watch is cased in 18K gold.\nThe inscription on the pocket watch gifted to Blue reads:\nTo Rupert Blue P.A. Surgeon, U.S.P.H. and M.H.S. from the citizens of San Francisco. In grateful recognition of services rendered the city while in command of the Sanitation Campaign of 1908\nBy 1908, Dr. Blue already had a number of accolades to his name. In the above inscription, U.S.P.H. and M.H.S denote his service to the U.S. Public Health Service and its successor, the Marine Hospital Service, where he was commissioned as a surgeon. In San Francisco, he was a saving grace and loved by many. In addition to his extraordinary efforts using science in the pursuit of accurate data, he fought to reverse the popular opinion that the plague had originated in Chinatown, when in fact, it was spread by rats.\nAlthough Dr. Blue was known locally for his achievements eradicating San Francisco of the plague, he wouldn't become a household name in America until a decade later, and by that time, he had worked his way up to acting Surgeon General of the United States of America.\nIn 1918, the Spanish Flu stopped the United States of America in its tracks. The virus brought the economy to a halt and forced the entire nation to wear masks and shelter in place, much like today. The loss of life was shocking: Roughly 675,000 Americans had succumbed to the virus that year, and 20 million to 50 million worldwide. It's hard to imagine, but the cost of life could have been much higher during the Spanish Flu pandemic if it weren't for the work of Dr. Blue as the acting Surgeon General at the time.\nEven with the complex demands of wartime, Dr. Blue managed to expand the role of the Public Health Service and mobilize the Volunteer Medical Service Corps. On October 5, 1918, Dr. Blue gave an order that had a dramatic impact on the spread of the Spanish Flu: He ordered that all schools, theaters, saloons, restaurants, and any place of public gathering shut down. This was at a time when science wasn't at all what it is today. It was a bold move. As the pandemic wound down, Dr. Blue wrote in a letter to fellow medical professional and Colonel of the Officers’ Reserve Corps Dr. William Welch, \"The present epidemic has demonstrated the imperative need of a permanent organization, within the Public Health Service, available with each emergency.\" Unfortunately, his plea did little to increase research and preparedness, as the country was still reeling from the suffering endured during World War I.\nOutside of medical circles, the work of Dr. Blue is not widely known, but through a Patek Philippe pocket watch, we're able to peer into a world where comparisons can easily be made to our own current reality. After the pandemic passes, certain public officials will indeed receive recognition for their role in the fight against COVID-19. But, for better or worse, at some point over the last century, the tradition of the public gifting of a Patek Philippe has gone away. Even with another zero on the end, a single stimulus check wouldn't cover the purchase of a modern Patek Philippe timepiece.\nThe current bid on Lot #54052 is at $22,000 at the time of writing. The auction can be viewed here, and ends on June 9. Images courtesy of Heritage Auctions.", "label": "No"}
+{"text": "Issue Date: August 20, 2012\nTurning The Right Cheek, Sand Castle Building Tips\nMost people strike a pose and smile when they hear, “Say cheese.” When chemistry professors hear the phrase, it turns out they also do those things, but they frequently show the right side of their faces to the camera, according to researchers in Australia (PLoS One, DOI: 10.1371/journal.pone.0038940).\nTo come to that conclusion, the research team first turned to the Times Higher Education rankings of the world’s top 200 universities, says postdoc and team member Owen Churches of the University of South Australia, in Adelaide. Then, they randomly selected 30 schools from the list and visited each faculty member’s website, he adds. Of the 5,829 profile photos collected, 2,661 showed professors not favoring a particular side of the face. “We looked carefully,” Churches recalls.\nFrom regression analysis, the team found that chemists and mathematicians more often show the same cheek as engineers do—the right one. “Everything was compared against the engineers,” Churches explains, because they are the largest discipline. English and psychology academics do not face the same way as engineers; they frequently show their left side instead.\nScientists have in the past determined that the right side of the human face is less emotionally expressive than the left side, Churches tells Newscripts. So the team decided to test the theory on academic profile pictures.\n“There is a bias,” says Churches, who normally investigates how the hemispheres of the brain work, especially in people with a variety of psychological conditions. This new study was carried out, Churches says with delight, to pass the time while his group was settling into a new lab.\nProfessors in scientific fields tend to put photos on their academic websites that show their right cheek, the team concludes, because scientists want to be seen as “nonemotional rationalists.” So next time you’re in front of a camera, show off the cheek that expresses you best.\nLots of people are full of smiles while they’re at the beach. And now beachgoers have another reason to smile: A research team has scientifically determined how to make the perfect sand castle (Sci. Rep., DOI: 10.1038/srep00549).\nThe scientists, led by physics professor Daniel Bonn, found that sand is at its tower-building best when mixed with exactly 1% water by volume.\nArchitects have been building tall structures for centuries, says Bonn, a physics professor at the University of Amsterdam and a researcher at École de Chimie, in Paris. But sand has an important property that deviates from the norm: Without water, it behaves like a liquid (think sand in a hourglass). “You need water to make a good sand castle, all children know that,” Bonn says.\nWhen water is added to sand, Bonn explains, “it forms little liquid bridges that glue the sand together.” Water’s high surface tension causes the “joining” of the granules.\nThe more water bridges formed, the stronger the material. Add too much water, Bonn adds, and the bridges begin to merge with each other, compromising the stability of the solid structure.\nWith the newly discovered optimum of 1% water and 99% sand, Bonn and his team were able to make sand structures according to an architect’s equations for constructing buildings, where the maximum height is dependent on the radius of the base.\nAccording to Bonn, “Sand castle builders should also prefer the smaller sand from dunes to the granular sand from the sea.” Smaller grains, he explains, lead to a greater sand surface area, enabling more water bridges to form.\n“The handling of granular materials consumes roughly 10% of the world’s energy consumption,” the researchers report. So this study might not benefit only beachgoers, it could lead to more efficient transport of materials.\n- Chemical & Engineering News\n- ISSN 0009-2347\n- Copyright © American Chemical Society", "label": "No"}
+{"text": "Grant round winners 2008\nAt least one in every eight people with epilepsy also has depression. Depression contributes to poor quality of life for people with epilepsy, yet epilepsy services at all levels (GPs, hospitals and specialist consultants) seem to rarely detect it. They tend to focus instead on seizure control and drug side effects.\nHowever, there is some evidence that links having depression with having poor seizure control: the depression may increase a person’s likelihood of having seizures. This means that people with epilepsy who are also depressed may stand a better chance of becoming seizure-free if their depression is also detected and treated.\nIn a pilot study Identifying depression in people with epilepsy attending their general practitioners, Professor Mike Kerr, of the Welsh Centre for Learning Disabilities at Cardiff University, will investigate whether two short and specific questionnaires could help GPs and their teams detect depression in people with epilepsy. The study will test whether the questionnaires are quick and easy enough to be used as part of the normal appointment with a GP, and also whether they can accurately identify depression in a person with epilepsy. Epilepsy Research UK is providing £74,268 funding for the work over 24 months.\nIf the questionnaires work then screening for depression could become part of the standard services GPs provide for people with epilepsy in the NHS. Screening for depression is already part of standard treatment for diabetes and coronary heart disease in the UK.", "label": "No"}
+{"text": "You’re probably already aware of the risks posed by warm weather and leaving pets in hot cars, but did you know that cold weather also poses serious threats to your pets’ health?\nThe ASPCA offers these guidelines on how to help keep your pets safe this winter:\n- Keep your cat inside. During the winter, outdoor cats sometimes sleep under the hoods of cars. When the motor is started, the cat can be injured or killed by the fan belt. If there are outdoor cats in your area, bang loudly on the car hood before starting the engine or honk your horn to give the cat a chance to escape.\n- Never let your dog off the leash on snow or ice, especially during a snowstorm, dogs can easily become lost. Make sure your dog always wears ID tags.\n- Thoroughly wipe off your dog’s legs and stomach when he comes in out of the sleet, snow or ice. He can ingest salt, antifreeze, or other potentially dangerous chemicals while licking his paws, and his paw pads may also bleed from snow or encrusted ice.\n- Never shave your dog down to the skin in winter. When you bathe your dog in the colder months, be sure to completely dry him before taking him out for a walk.\n- Consider getting dogs with short coats a sweater or coat with a high collar or turtleneck with coverage from the base of the tail to the belly. For many dogs, this is regulation winter wear.\n- Never leave your dog or cat alone in a car during cold weather.\n- Puppies do not tolerate the cold as well as adult dogs, and may be difficult to housebreak during the winter. If your puppy appears to be sensitive to the weather, you may opt to paper-train him inside. If your dog is sensitive to the cold due to age, illness or breed type, take him outdoors only to relieve himself.\nSome pets thrive in the cold weather. Or, for others it can be a time of discomfort and even danger. With some proper planning, your pet will not have to suffer through the cold. If in doubt, discuss specific cold weather needs for your pet with your veterinarian.", "label": "No"}
+{"text": "The Namtap has a bushy tale like a squirrel, a fairly short muzzle (the part of the Dormouse's head which includes the nose, mouth and jaws), small ears and soft fur. Its face has white and grey marks, with dark rings (like spectacles) around its eyes. Its cheeks, underparts and the upper surfaces of its paws are white. Its tail is usually has a white tip.\nIt is only found in western South Africa. It can usually be found in rocky habitats, as well as in trees and outbuildings. It is nocturnal and it is good at climbing. It mainly eats seeds, other plant material and invertebrates.\nReferences[change | change source]\n- Stuart, Chris; Stuart, Tilde (2001). Field Guide to Mammals of Southern Africa. Struik. p. 92. ISBN 978-1-86872-537-3.\n- Coetzee, N., Griffin, M. & Grubb, P. 2004. Graphiurus ocularis. 2006 IUCN Red List of Threatened Species. Downloaded on 29 July 2007.\n- Holden, M. E.. 2005. Family Gliridae. Pp. 819-841 in Mammal Species of the World a Taxonomic and Geographic Reference. D. E. Wilson and D. M. Reeder eds. Johns Hopkins University Press, Baltimore.", "label": "No"}
+{"text": "Equations and Functions\nThis chapter covers evaluating algebraic expressions, order of operations, using verbal models to write equations, solving problems using equations, inequalities, identifying the domain and range of a function, and graphs of functions.\nThis chapter covers graphing and comparing integers, finding absolute values, ordering rational numbers, performing basic operations with rational numbers, and applying the commutative, associative, and distributive properties.\nEquations of Lines\nThis chapter covers solving one-step equations, solving two-step and multi-step equations, using ratios and proportions, solving problems using scale drawings, using similar figures to measure, and finding the percent of a number.\nGraphs of Equations and Functions\nThis chapter covers plotting points in a coordinate plane, graphing functions given a table or rule, graphing linear equations, graphing using intercepts and slope-intercept form, and solving real-world problems using direct variation.\nWriting Linear Equations\nThis chapter covers linear equations in slope-intercept form and point-slope form, standard form for linear equations, equations of parallel and perpendicular lines, and problem solving using linear models.\nThis chapter covers solving and graphing linear inequalities, identifying the number of solutions of an inequality, solving compound inequalities, and solving absolute value equations & inequalities.\nSolving Systems of Equations and Inequalities\nThis chapter introduces students to linear systems of equations and inequalities as well as probability and combinations. Operations on linear systems are covered, including addition, subtraction, multiplication, and division.\nThis chapter covers exponent properties involving products and quotients, expressions with zero, negative & fractional exponents, scientific notation, and geometric sequences.\nThis chapter covers addition & subtraction of polynomials, multiplication of polynomials, special products of polynomials, solving simple polynomial equations by factoring, and factoring quadratic expressions.\nQuadratic Equations and Quadratic Functions\nThis chapter covers graphing quadratic functions, indentifying the number of solutions of quadratic equations, solving quadratic equations using the quadratic formula, and finding the discriminant of a quadratic equation.\nAlgebra and Geometry Connections\nThis chapter covers graphing and comparing square root functions, solving radical equations, using the Pythagorean theorem and its converse, using the distance formula, and making & interpreting stem-and-leaf plots & histograms.\nRational Equations and Functions\nThis chapter covers inverse variation models, graphing rational functions, division of polynomials, multiplication, division, addition & subtraction of rational expressions, solving rational equations, and designing & conducting a survey.\nProbability and Statistics\nAn introduction to theoretical probability and data organization including events, conditions, random variables, and graphs/tables.", "label": "No"}
+{"text": "The Hindu Succession Act, 1956, is a law & preamble of the Act signifies that an Act to amend and codify the law relating to intestate succession among Hindus. The Act lays down a uniform and comprehensive system of succession whereas attempt has been made to ensure equality inheritance rights between sons and daughters. It applies to all Hindus including Buddhists Jains and Sikhs. The Hindu Succession Act, 1956 preserves the dual mode of devolution of property under the Mitakshara School. The joint family still devolves by Survivorship with this important exception that if a Mitakshara Coparcener dies leaving behind mother, widow, daughter, daughter’s daughter, son’s daughter, son’s son’s daughter, son’s widow, son’s son’s widow, or daughter’s son his interest in the joint family property will devolve by succession.\nSuccession to the property of a Hindu Male under The Hindu Succession Act, 1956 deals with the inheritance to: a) The separate properties of a Mitakshara male, b) The separate and coparceners properties of a Dayabhaga male, and c) The undivided interest in the joint family property of a Mitakshara Coparcener. The Act does not apply to the property of a Hindu who is married under the Special Marriage Act to a non -Hindu. Heirs of a Hindu Male The heirs of Hindu male fall under the following categories:- 1) Class I heirs 2) Class II heirs 3) Agnates 4) Cognates, and 5) Government Class I heirs:- The property of a Hindu Male dying intestate would be given first to heirs within Class I are basically Widow, Son, Daughter & mother\nThey are: Mother, Widow, Daughter, Son, Widow of a predeceased son, Son of a predeceased son, Daughter of a predeceased son, Widow of a predeceased son of a predeceased son, Daughter of a predeceased son of a predeceased son, Son of a predeceased son of a predeceased son, Daughter of a predeceased daughter, and Son of a predeceased daughter. Some new heirs are added by Hindu Succession (Amendment) Act, 2005. They are: Son of a predeceased daughter of a predeceased daughter, Daughter of a predeceased daughter of a predeceased daughter, Daughter of a predeceased son of a predeceased daughter, and Daughter of a predeceased daughter of a predeceased son. Shares of Class I heirs:\nSection 10, Hindu Succession Act deals with the distribution of the property of the Hindu Male, among class I heirs equally. If Son has died then only his share goes to all his class 1 hairs.\nAll these heirs inherit simultaneously and to the exclusion of other heirs. In the absence of any of the heirs in this category,\nThe Hindu Succession Act, 1956, is the statute which comprehensively covers all matters relating to the intestate and unwilled succession of Hindus. This act has undergone a number of amendments in recent years- including daughters to become coparceners, giving them a right to a share in the joint family property and abolition of a number of out-dated doctrines. These are certainly indicative steps towards gender equality, but there still remain many aspects of Hindu succession law that are patriarchal and are in pressing need of amendment.\nClass 2 heirs include:\nFather, Sons daughter’s son, Sons daughter’s daughter, Brother, Sister, Daughters son’s son, Daughters son’s daughter, Daughters daughter’s son, Daughters Daughter’s daughter, Brothers son, Sisters son, Brothers daughter, Sisters daughter, Fathers father, Fathers mother, Fathers widow, Brothers widow, Fathers brother, Fathers sister, Mothers father, Mothers mother, Mothers brother & Mothers sister\nThe devolution in Class II heirs is made in the absence of any heir in Class I and in such a manner that heirs specified in a particular entry share equally. For this purpose if more than one heir is specified in a single entry, they share the property simultaneously and equally to the exclusion of those specified in subsequent entries.\nA person is said to be an agnate of another if the two are related by blood or adoption wholly through males. Agnate relationship does not extend to relationship by marriage and is restricted to relationship by blood. Also, agnate does not include widows of lineal descendants of the intestate.\nIf a Hindu male passes away without a Will and has no class 1 or class 2 heirs or agnates, then the succession would be through cognates. Cognates are ones who are related to the intestate by blood or adoption but not wholly, through males. Thus mother’s brother’s son and brother’s daughter’s son are cognates, eligible for heirship.\nThe law laid down by this is quite simple; in the absence of any son or daughter, property inherited from the parents shall pass to the heirs of the father, and property inherited from the matrimonial relations will pass to the heirs of the husband. Therefore, the property reverts to the same line or family from which it came.\nFamily Arrangement/Family Settlement can be executed to avoid all future disputes.\nPlease refer to separate article on Family Arrangement", "label": "No"}
+{"text": "What is an example of 1960's slang words used in the first five chapters of The Outsiders?\n1 Answer | Add Yours\nSlang is youth-speak, or specialized speech used by a cultural group.\nAn example of 1960’s slang is used by Ponyboy in the beginning of the book. Of course, some of these words are still used today, and some are regional and used in different parts of the country.\nThe words “lone it” mean to go alone somewhere.\nI had a long walk home and no company, but I usually lone it anyway, for no reason except that I like to watch movies undisturbed so I can get into them and live them with the actors. (ch 1)\nAnother example is “digs” as in chapter 1.\nAnd nobody in our gang digs movies and books the way I do. (ch 1)\nThis means to enjoy something. To “get jumped” means to be attacked and beaten up. A “pop bottle” is a soda bottle.\nIt’s important to note that “gang” refers to a group of friends more than a criminal organization. In this book, gangs are based on social class, and the lower class gang is called “Greasers” while the rich gang is called “Socs.” They do occasionally get into trouble, but are not the hard-core drug-dealing crime gangs we know today.\nJoin to answer this question\nJoin a community of thousands of dedicated teachers and students.Join eNotes", "label": "No"}
+{"text": "A 5- or 6-year-old requires a glove that is 10 to 10 1/2 inches. A 7- or 8-year-old needs a glove that is 10 1/2 to 11 inches. A 9- to 12-year-old needs a glove that is 11 to 11 1/2 inches. A high school-aged child normally wears a glove between 10 1/2 to 11 1/2 inches.\nHow do you measure a baseball glove for kids?\nProperly Size the Glove: T-ball and baseball gloves are measured from the heel of the glove (just below the palm) to the top of the glove (just above the index finger). Gloves range in size from 8 to 15 inches.\nHow do you size a youth baseball glove?\nThe first step in choosing the right baseball or softball glove is to determine what size glove is right for the player based on age and hand size. A comfortable range where any beginner should be able to find a comfortable, easy-to-use glove is between 10.75 and 12” depending on age.\nHow do you determine baseball glove size?\nEvery baseball mitt has the size etched in the leather on the thumb or pinky finger of the glove. Manufacturers measure their creations from the top of the index finger and move down along the glove until it reaches the center of the heel. That length is how the glove’s size is determined.\nWhat is the best baseball glove for a 9 year old?\nSo, what is the right size baseball glove for a 9-year old? A glove between 10.25 and 12.25 inches is recommended. The range depends on what position on the baseball field the child will be playing most of the time. For example, for infield players, the glove should be between 10.25 and 11.5 inches.\nIs a 14 inch baseball glove too big?\nShortstops and second basemen generally use gloves anywhere in the 11-inch range, and outfielders will use gloves as big as 14 inches. Softball players probably won’t use any glove smaller than 12 inches. Anything smaller than that, and the glove will have trouble handling the softball.\nWhat size winter gloves does an 8 year old wear?\nKids’ US Gloves Size Chart:\n|Age Yrs||Hand Width, in||Glove Size|\n|6 – 7||5.5 – 6||Child/Youth S|\n|8 – 9||6 – 6.5||Child/Youth M|\n|10 – 11||6.5 – 7||Child/Youth L|\n|12 –||7 –||Adult sizes|\nIs 12.75 glove too big?\nDetermining Your Glove Type\nOutfield Glove – Usually sized at 12.5 to 12.75 inches for adults, about 11 inches for children. A deeper pocket to handle balls hit high in the air. Longer length to give as much reach as possible.\nWhat size glove should an 8 year old use for softball?\nPre-T-ball players under age 5: 9-inch glove. T-ball, ages 5 to 7: 9- to 11-inch glove. Youth baseball, ages 8 to 12: 10- to 12-inch glove. Youth softball, 8 to 12: 10.5- to 13-inch.\nHow do you break in a baseball glove?\nHow To Break-In A Baseball Or Softball Glove\nWho makes Marucci gloves?\n|Founder||Jack Marucci,Kurt Ainsworth, Kurt Ainsworth|\n|Headquarters||Baton Rouge, Louisiana , United States|\n|Parent||Compass Diversified Holdings|\nWhat size are youth gloves?\nThe best way to learn the fundamentals of fielding and catching is by wearing a glove that fits well. Kids 12 and Under: No larger than 12 inches. Kids 8 and older should try gloves in the 11s, while younger kids (especially if they are smaller) should consider gloves in 9 to 11 inch range.\nWhat size glove does a 9 year old need for softball?\nSelect a glove that is 9-12 inches for infield positions and 11-12 inches for outfield positions if the child is between the ages of 9 and 13. If your child is in high school, look for glove sizes between 10-1/2 and 11-1/2 inches for infield and 12 to 12-1/2 inches for outfield positions.\nWhat size bat does a 9 year old need?\nBat Size Chart for 9-Year-Old\nThe right bat size for a 9-year-old, as determined by actual usage, is a 28 or 29-inch drop 10 bat. The drop is the numerical difference between the length of the bat in inches and the weight in ounces.\nDoes baseball glove size matter?\nIt all depends on what you like. Some like having that extra half inch to get to baseballs, some players like less glove so they can get rid of the ball a little quicker on throws to bases. Also most outfielders will stick their pinky and ring finger of their glove hand into the last hole which was made for the pinky.\nWhat is the standard size baseball glove?\nThe standard size for a baseball infield glove is 11.25 to 12 inches, and 11.5 to 12.5 inches for softball.\nWhat is a medium glove size?\n|Actual Hand Measurement||Alpha Glove Size|\nHow do you get a 9 year old baseball glove?\nMost players in the 9-10 year old age group will do well with an 11 to 11.5 inch for infield players to 11.5 to 11.75 inch glove for outfield players. Some smaller players will be more comfortable with an 11-inch infield model or an 11.5-inch outfield model.\nWhat size catchers mitt does a 9 year old need?\nBaseball Catcher’s Mitt Sizing\n|Under 7||29.5 – 30 “|\n|8 – 10||30 – 31″|\n|11 – 13||30 – 34.5″|\n|14 +||32 – 34.5″|\nWhat drop bat should a 10 year old use?\nGenerally speaking, for the average 10-year-old, we’d recommend a 30-inch big barrel bat with a drop 8, 9, or 10. (The drop is the numerical difference between the bat’s length in inches and its weight in ounces).\nIs 11.25 glove too small?\n11.25” inches is a great size for the middle infield. It allows for the middle infielder’s dream shallow pocket. The perfect weight for fielding ground balls and reacting to bad hops.\nWhat size gloves did Derek Jeter use?\nIts an 11.5″ glove and Jeter’s unique touch is the old school basket web.\nCan a baseball glove be too big?\n“The biggest trend among parents buying gloves for their kids is to get them a size or two too big,” said Hermie Carmichael, now in his fourth year of retail baseball sales at Dick’s Sporting Goods in Northway Mall. “They try to save money by getting an extra year out of the glove.”\nHow do you measure your hand for a glove without a tape measure?\nHow to measure your hand for gloves\n- If you don’t have a flexible measuring tape, wrap a piece of string around your dominant hand at its widest point between the knuckles and the thumb, and mark where the ends meet.\n- Lay the string flat on a ruler and measure the length (the circumference of your hand) to find your size.\nHow do you size a youth softball glove?\nBecause the softball is 11″, you will typically see fastpitch infielder gloves ranging between 10″ and 11.5″ for youth players and roughly 11.5″ and 12.5″ for players ages 13 and older. If you play slow pitch softball, your glove size will be bigger because the ball is 12″.\nWhat size is 8 in goalkeeper gloves?\nGoalkeeper glove sizes\n|6||10-11 YEARS||6.8IN (17.2CM)|\n|7||LARGE YOUTH||7.2IN (18.2CM)|\n|8||SMALL ADULT||7.6IN (19.4CM)|\n|9||MEDIUM ADULT||8IN (20.4CM)|\nIs 11.5 a good glove size?\nA lot of adult size gloves are simply too big for youth players and will have a negative effect on how they play. Above all, young players should focus on getting a glove that they can handle and move with. For example, a third baseman at the high school level will normally use an 11.5” or 11.75” glove.\nWhat size glove does Buster Posey use?\nWhat is the size to this glove? The Rawlings Heart of the Hide Game Day Series (PROCM43BP28) is a 34.00″ pattern.\nWhat size glove does Aaron judge use?\n|Color||Aaron Judge Model|\n|Age Range (Description)||Youth|", "label": "No"}
+{"text": "Where to Find Test Banks for Free\nTest banks are invaluable resources for students preparing for exams. They contain a collection of questions and answers that cover the topics and concepts taught in a particular course. These test banks are typically provided by textbook publishers and are intended for instructors to use as a resource when creating exams. However, students can also benefit from accessing test banks as they provide additional practice questions and help them gauge their understanding of the course material. While test banks are often not freely available, there are several sources where students can find them for free.\n1. Online Forums and Communities\nOne of the easiest ways to find free test banks is by joining online forums and communities dedicated to a specific subject or course. These forums are often inhabited by students who have previously taken the course and are willing to share their resources. Look for threads or posts where users have shared test banks or ask for them directly. Be mindful of the forum rules and etiquette, and remember that it’s always better to contribute to the community before asking for help.\n2. Student Organizations and Study Groups\nMany student organizations and study groups maintain collections of test banks for various courses. Getting involved with these groups can grant you access to their resources, including test banks. Reach out to organizations related to your field of study or inquire with classmates who may be part of study groups. Collaborating with others not only provides access to test banks but also allows for group study and discussion, enhancing your understanding of the material.\n3. University Libraries and Databases\nUniversity libraries often have extensive collections of resources, including test banks. Visit your university library’s website or speak with a librarian to inquire about accessing test banks. Some libraries may require you to be physically present to access these resources, while others may offer digital access from anywhere with your student credentials.\nAdditionally, university databases such as ProQuest, JSTOR, or EBSCOhost may contain test banks or related study materials. These databases are excellent sources for academic articles, research papers, and other educational materials. Check if your university provides access to these databases and explore their contents.\n4. Online Document Sharing Platforms\nPlatforms like Scribd, Course Hero, and SlideShare allow users to upload and share documents, including test banks. While some of these platforms may require a subscription or payment for full access, you may find free snippets of test banks that can still be helpful. Search for the specific course or textbook you need, and you may stumble upon valuable resources uploaded by other students or educators.\nQ: Are test banks legal to use?\nA: Test banks are not intended for student use, as they are copyrighted materials owned by textbook publishers. However, the legality of using test banks for self-study purposes is a gray area. It’s always recommended to seek permission from the instructor or educational institution before using test banks.\nQ: Can test banks help me study?\nA: Yes, test banks are great study aids as they provide additional practice questions and allow you to assess your knowledge of the course material. However, it’s essential to use them ethically and not solely rely on memorizing answers without understanding the underlying concepts.\nQ: How can I ensure the quality and accuracy of a test bank?\nA: While it can be challenging to verify the quality and accuracy of a test bank, there are some indicators you can look for. Compare the questions and answers with those provided in your textbook or lecture slides. If there are discrepancies, it may be an indication of an incorrect or outdated test bank. Additionally, consult with your instructor or classmates to cross-reference the questions and answers.\nIn conclusion, test banks are valuable study resources for students preparing for exams. While they are typically not freely available, students can find them for free through online forums, student organizations, university libraries, and online document sharing platforms. However, it’s crucial to use test banks responsibly, seek permission when necessary, and focus on understanding rather than memorization. Happy studying!", "label": "No"}
+{"text": "With diagnosis of learning disorders such as ADD, ADHD, Executive Functioning Disorder and Asperger’s on the rise more and more people are turning towards the internet for answers and advice. Why is your child hyper-active? How is your son so inattentive in the classroom when you know first-hand how intelligent he is? The temptation is to find the proper label to place on a child, and to find the quick-fix.\nThe truth is there is no quick-fix. Regardless of what learning disability a child suffers from there are measures that can be taken and skills that can be learned that will help him or her not only in the classroom, but also in all areas of life. Actually cultivating the seemingly obvious skills of organization, time management, focus, and goal setting can literally turn a student’s life around. The key is in the consistency—something else students with these learning disabilities struggle with.\nOrinda-based Nancy Chin works with students to accomplish just that. Her holistic approach is based on creating solid, consistent foundations that enable students to better manage their learning disorders and create success first in the classroom, and later beyond. Stop making it so complicated. Come back to square one, and step by intentional step your child will learn how to function with his or her learning disorder. Contact Nancy today.", "label": "No"}
+{"text": "Psyched for science\nWelches students drawn to laboratory\nLast year, Welches Elementary student Bruce Dyal took an after-school science class and got to launch a rocket from the school's playground. Even better, he got a rocket to take home.\n'It turned out really well,' said Dyal, now 9 years old and in the third grade. 'Except it got stuck in a tree.'\nDyal retrieved the rocket and didn't let the experience dampen his enthusiasm for science. This year, he signed up for the after-school class again, called 'Mad Science,' along with 29 other budding scientists from Welches Elementary.\nThe class is part of a program run by a Portland-based company that brings science to approximately 350 schools in the Portland region. This year, the students will study 'Crazy Chemistry' in six one-hour sessions during a series of Mondays.\nAt the end of the course, each student will get to take home a full set of lab ware, including a flask, a test tube and a chemistry journal with all the work they performed in class. The classes are designed to get younger students started in science in a comfortable setting.\n'Colleges are not producing the numbers of scientists we need to advance technologically,' said Audrey Campbell, operations manager for Mad Science. 'Where Mad Science focuses is starting kids when they're very young and getting them to the point where they're not afraid of it.'\nOn the first day of Crazy Chemistry, students learned about how dry ice works and even got to freeze items, including a spoon. Future classes will explain how the pH scale works and even an event called the 'Slime Olympics.'\nThanks to the popularity of the class, students were split into two smaller groups based on grade. That's a good thing, according to Becky Fortune, who helped bring the program to the school\n'It's really hard with the size of classes and budgets to do this kind of thing at the elementary level,' Fortune said. 'It gives them the chance to do a little experimenting with fewer kids in the group.'\nBased on the response from the students, they agree.\n'I like doing experiments,' said third-grader Ben Johansen, 9. 'It's just fun because you get to do a lot of stuff.'\nAs for next year, Dyal has a pretty good idea what kind of experiments he'd like to undertake.\n'I would like to conduct a laser that goes on your eye, but it doesn't hurt,' Dyal said. 'It just points to a thing. It could go 300 yards, and it could work in the dark.'\nFor more information on Mad Science, please visit www.madscience.org.", "label": "No"}
+{"text": "Associations to the word «Aids»\nAIDS, noun. (disease) (acronym) Acquired immune deficiency syndrome.\nAIDS, noun. Plural of aid\nAIDS, verb. Third-person singular simple present indicative form of aid\nAIDS, noun. Alternative letter-case form of AIDS acquired immune deficiency syndrome\nAIDS AND ABETS, verb. Third-person singular simple present indicative form of aid and abet\nAIDS BABIES, noun. Plural of AIDS baby\nAIDS BABY, noun. (derogatory) A person born diseased especially with HIV and starvation\nAIDS COCKTAIL, noun. A group of drugs taken together to fight the AIDS virus.\nAIDS COCKTAILS, noun. Plural of AIDS cocktail\nAIDS RIBBON, noun. A red ribbon which signifies support for AIDS awareness and treatment research.\nAIDS RIBBONS, noun. Plural of AIDS ribbon\nAIDS, noun. A serious (often fatal) disease of the immune system transmitted through blood products especially by sexual contact or contaminated needles.\nAlways aim at complete harmony of thought and word and deed. Always aim at purifying your thoughts and everything will be well.", "label": "No"}
+{"text": "Legends of Lost Silver Mines in Pennsylvania?\nLegends of Lost Silver Mines in Pennsylvania – could they possibly be TRUE?\nStories of lost mines, ledges and glory holes full of precious metals are rather pervasive, most every area has at least one such story. One of the poorest parts of North America for such stories is the Keystone state.\nThe geology of Pennsylvania is not of the right sort for the discovery of rich veins of gold and silver, great wealth in coal, oil and even such mundane mineral products as limestone have been the rule. Yet the state is not utterly devoid of gold or silver either; in the southeastern part of the state one mine produced almost all of the known gold production for the entire state, mostly as a byproduct of copper mining, and a couple of silver mines produced a little silver. Enough nickel was also mined to be used by the US Mint to make the now obsolete three cent nickels, so if you are lucky enough to own a three cent nickel, chances are it has Pennsylvania nickel in it. Not one of the three cent silver pieces of course.\nEven so, despite the wrong sort of geology over most of the state, why then do we find there are indeed several stories of long lost silver mines? Pure hogwash, made up to earn a free beer in a tavern, or entertain the children, or cover up some illicit activity like making moonshine, perhaps? Perhaps, but there is evidence and documentation to support the fact that there are indeed several lost silver mines scattered across the state. Not massive veins like the famous Comstock mind you, but small deposits and these are not against the rules of geology by any means.\nThe actual records from the colonial period show that these mines were known to the native tribes that lived in and contested over the land. There is even some suggestion that two of the mines were known to the French, whom were secretly mining them and slipping back to Canada to convert the silver into cash.\nSilver medallion struck from silver mined out of the Wheatley silver-lead mine in Chester county PA\nA bit of study in the field of geology would help any treasure hunter or prospector setting out to look for one of these lost silver mines. Silver does not often occur in nature in the pure form, because of the fact that it is much more chemically reactive than gold or platinum, yet it does occur in native (natural) form, often alloyed with a little gold and – or copper. The ores of silver quite often do not look anything like silver, and then too some silver minerals do look silvery and metallic, like galena. Galena is mostly lead, but very often in nature some or almost all of the metallic lead in the matrix has been replaced by silver. Galena is silver colored and cubic in form, and rather heavy. You can find small pieces of it in many streams around the state, and while in many cases the presence of this metallic mineral in such a place where no metallic minerals ought to be can be explained by the actions of glaciers, which broke off the minerals from a distant location (generally to the north) and transported it to the south where it then deposited it when the ice finally melted away, to leave us puzzling as to how this out of place mineral ended up where we find them.\nMost ores of silver are black, grey or brown in color; usually tending to be heavy and often sooty, so could be mistaken for a low grade coal vein from a distance. Silver can also occur in a quartz matrix just like gold or copper does, or uncommonly in the form of a heavy, sticky blue or bluish clay. The famous Comstock mine in Nevada was discovered first as the blue clay, which was giving the gold miners headaches by clogging up their sluice boxes. Only when some prospector finally had the blue clay itself tested by fire assay did the secret come out, that it was loaded with silver. The blue clay may be what the ore decomposes into, but I am specularing on this point.\nSilver ores are commonly found intruded into limestone rock, showing up by the stains it makes in the surrounding rock; sometimes it will form a stain on the surface of the rock without the actual ore showing on the surface, and the staining is commonly called a “gossan” in prospecting parlance. I will return to the prospecting tips in a moment.\nFrom what the stories tell us, these lost Pennsylvania silver mines are not going to be easy to find. In several instances, the Indians went to some lengths to conceal the very existence of the mines, so well that in one case, even though several colonists had seen it and been to the mine, after it was concealed they could not locate it again. Silver, unlike gold, does not usually form a placer downhill and downstream of the host rock. When rock containing native gold is worn down and decomposed by nature, the tiny bits of gold get transported down hill and then down stream by the actions of nature, allowing the prospector to be able to take his gold pan and take samples along the streams and then hillsides, and thus pinpoint the location of the gold vein. No so with silver! Except in very rare instances (I know of only two such in all of North America) due to the fact that silver will react with other minerals chemically, as the host rock decomposes, the silver forms chemical bonds and is invisible so to speak. It can be there and not be visible in a gold pan. What can a prospector do?\nDon’t throw out the gold pan, it is possible that you might find tiny specks of native silver in some stream that could conceivably lead you to the vein; at least one of the lost silver mines of Pennsylvania had native silver in it , and silver is quite a dense metal. I am using the term ‘dense’ to refer to the fact that it is quite heavy, about the same as lead, this density is usually termed by prospectors as specific gravity; that is how heavy any particular element or mineral is when compared to an equal volume of water. So gold has a specific gravity of around 19 (it varies due to the other metals commonly alloyed with gold in nature, usually silver and copper) lead is a bit over 11, while native silver usually runs 10.4 to 10.6. This natural heaviness (when compared to water and many other materials) is helpful for panning, for most country rock and sand, while heavier than water, are much lighter in comparison to silver. So you could find a silver vein by testing with the ancient tool known as the gold pan – and don’t let anyone fool you, the gold pan is still used by prospectors, geologists and mining engineers today for it works very well.\nAs these silver mines were covered up and concealed in the colonial period, there has been plenty of time for nature to help with the concealment; trees would have had over 200 years to grow right over top of them, the natural erosion and deposition of soils would further assist in erasing the traces of the mine. If the mine were originally a shaft sunk into the rock (as one actually was, more in a moment) it is quite possible that nature has entirely filled in the shaft with earth by now and could even have a huge tree growing out of it. A tunnel could have caved in, leaving no trace except for a slight depression on the flank of a mountain, and unfortunately the hills of Pennsylvania have a great many wrinkles to help hide them.\nDon’t let this discourage you! A careful search, using the tools of prospecting, geological reports, satellite imagery, research of the colonial records and even family histories, stories told around the campfires or even something seen by a hunter could be the key to lead you to finding a silver mine!\nNow suppose you have found a suspicous looking vein or lense of rock, that is dark or grey and heavy; how can you test it for silver without having to break off a sample, crush it to quarter inch size or smaller and send it off for a fire assay? A fire assay is the best bet and highly accurate, but they cost money and you certainly can’t afford to send off every rock you find to have it assayed, for if you are that wealthy you would not be out hunting for a long-lost silver mine in the first place! Fortunately there are some simple ways you can test for silver without having to spend a lot of money.\nOne trick is to grind up your sample to a powder, then take a piece of copper that you have rubbed until it is shiny clean, and then rub that piece of copper around in the powdered ore sample. A copper wire will do, or a piece of soft copper pipe (don’t use the hard copper pipe as it is alloyed, and may not work as well). Very often, if silver in present in the sample, it will turn the copper white. If this occurs, then take another sample and get a fire assay done.\nAnother way is to try primitive smelting, if you have a bellows or a charcoal forge, in which case you would again want to grind the sample to a powder and heat it on a shovel or other iron receptable to nearly a white heat; any silver that can be extracted by heat alone will melt out before the shovel will melt because silver has a lower melting point than iron or steel. One more method is to put a hunk of the ore sample on your shovel, heat it very hot and then drop it into a bucket of water; supposedly if silver is present in the rock, it will form a grey scum on top of the water; however personally this method has never worked well for me but it might work for you.\nLastly, make sure you get permission of the landowners before you start looking for the lost mine, for most of Pennsylvania is private land and you don’t need to get arrested for trespassing, or worse a load of rock salt in your breeches! Just kidding but do ask permission before you search and it will save a lot of problems. Don’t be surprised if you get chuckles from a non-treasure hunter if you explain what you are looking for, for most people think that anyone who would go looking for lost mines or buried treasures is a little loopy, but with a little luck, and a lot of diligence, you may well have the last laugh. Besides, the search is an experience that those who live inside of boxes and never step off pavement can never know.\nNice photos of some silver ores http://nevada-outback-gems.com/prospect/gold_specimen/Silver_ores.htm\nA free online book on prospecting for gold and silverhttp://books.google.com/books?id=CPZDAAAAYAAJ&dq=prospecting%20for%20silver&pg=PP1#v=onepage&q&f=false\nHistorically, the Wheatley mine and the Pequea mine both produced some silver, the Pequea silver mine near Conestoga in Lancaster County was worked from before the Revolutionary War to 1875. A minor amount of mining was done about 1900. The ore is silver-bearing galena in the Cambrian Vintage Dolomite. Production is unknown. The Wheatley mine started operation in 1851. Primarily a lead mine, for economic reasons Wheatley billed the operation as a lead and silver mine. Concentrations of silver in the galena ore were assayed at between 15 and 120 ounces per ton. That would be pretty valuable ore today, so get out there amigo and find some silver!\nPS – one other thing about using that gold pan in your search, don’t be surprised if you find some GOLD in there too for those glaciers brought down gold from the north, as well as DIAMONDS! If you see a shiny, greasy looking pebble that will scratch your knife blade there is a good chance it is a glacial diamond, over 50 of them have been found in PA over the years, and a brassy yellow metal needs no further explanation. Good luck and good hunting, I hope you find the treasures that you seek.\nOnline museum of Pennsylvania minerals, including silver;", "label": "No"}
+{"text": "Jerald W. Caruthers\nMichael F. Werby\nNaval Res. Lab., Stennis Space Center, MS 39529\nIn shallow water it is difficult to separate the effects of propagation in a waveguide composed of layered media from those of scattering produced by roughness at the layer interfaces. Moreover, to properly account for these combined effects, three-dimensional, fully elastic propagation and scattering models must be used, if a fundamental understanding of shallow water propagation is to be attained. Very few forward propagation studies include scattering effects on forward propagating signal properties such as amplitude and coherence. In shallow water such effects are critical to the condition of the signal when it reaches a target and when it returns to the monostatic receiver. The importance of these effects on the signal properties is magnified for bistatic receivers. Boundary scatter, including out-of-plane scatter, in shallow water significantly affects time and angle (as well as frequency) spreads that lead to degradation of signal coherence. The requirements to deal with scattering in three dimensions and to include full wave field physics in propagation models introduce the need for extensive computer code and computational power. While there are no simple solution to the problems these requirements impose, the advance of computational technologies and the development of advanced propagation and scattering codes will allow comprehensive and innovative approachs. These issues are addressed and an approach to solving this significant part of the shallow water acoustics problem is discussed.", "label": "No"}
+{"text": "Back pain is a part of our lives and can affect anyone at any point in time. Back pain may occur periodically, remain for a short time, and then quickly disappear. This is known as acute back pain and can be taken care of with medication and rest. The pain would be deemed chronic back pain when it remains for over three months. Many people are on constant medication for back pain.\nHowever, if you are experiencing back pains near the kidney area, its time to pay a visit to the doctor. Kidney infection may cause pain, which is similar to lower back pain. The kidneys are located on either side of the spinal column just above the hip. That is why any kind of pain in that area may be diagnosed as kidney infection. The pain originates in the kidney and radiates to the lower back. This is known as referred pain. Therefore, very often kidney infection is confused with lower back pain.\nSo how does one distinguish between pain caused by kidney infection and lower back pain? One symptom is that pain due to kidney infection comes on rapidly and disappears once the course of medication is over. With back pain, the pain continues even after the infection has cleared up. The symptoms of kidney infection or kidney stone could be pain during urination, blood in the urine or fever with accompanying chills. If the doctor presses on the kidneys at the time of physical examination, there will be shooting pain in the area. If, on the other hand, you have a stretched, torn or twisted muscle, the pain will be specific to the area. The pain may occur either in the lower back, or between shoulder blades, below the waist or over the spinal column. This type of pain will get worse with movement and ease away while resting. Kidney infection can be safely ruled out in this scenario.\nIf you happen to suffer from kidney infection, the pain will occur on one side of the back, above the waist but just below the rib cage. The pain may increase as the bladder gets full or it may travel to the genital area. During the time you may have bouts of vomiting, pain while urination, blood in the urine and even fever. Lower back pain could be another symptom of kidney infection. These are general guidelines, which give an idea how to diagnose the pain in the lower back area. If you still are not sure what you are dealing with, any such symptoms call for an urgent visit to the doctor. It is always better to be safe than sorry. If there is an earlier history of kidney infections, then there may be another attack coming on. On the other hand, it may just be a stretched back muscle. Therefore, it is better to visit the doctor so that he can make the proper diagnosis and begin treatment for the pain or kidney infection as the case may be. The kidney infection and resultant back pain will probably clear up with a dose of antibiotics. Lower back pain treatment may call for physiotherapy or medication in the form of pain relievers.Immobilienmakler Heidelberg Makler Heidelberg\nDer Immoblienmakler für Heidelberg Mannheim und Karlsruhe\nWir verkaufen für Verkäufer zu 100% kostenfrei\nSchnell, zuverlässig und kompetent\nSource by Abhishek Agarwal", "label": "No"}
+{"text": "High Visibility Clothing\nHigh-visibility safety apparel (HVSA) is clothing (e.g., vests, bibs, or coveralls) that workers can wear to improve how well other people \"see\" them (their visibility). Most often, high-visibility clothing is worn to alert drivers and other vehicle operators of a worker's presence, especially in low light and dark conditions. High-visibility headwear can also be worn to increase the visibility of the wearer in situations where part or all of the wearer's body could be obscured (e.g., leaves/trees, traffic barriers, construction materials, etc.).", "label": "No"}
+{"text": "When the dipole term in the linearized theory of general relativity was handled in the conventional way, there was an existing paradigm that precludes any possibility of the existence of the antigravity force in the universe. In fact, this concept of the repulsive gravity force has been so far out of touch of the reality of the daily lives that this very term \"antigravity\" has been a subject of a science fiction or a downright ridicule whoever seriously talks about it.\nEven if the name of this blog is dipole antigravity, I avoided using the term as much as possible for this reason. But by all means, dipole gravity is the long range controllable antigravity force and there is no doubt about it. It is a purely mechanical means to create antigravity force which is at the core of the theory of dipole gravity. And this has been shown to be the cause of the jets and the dark matter problems. The irony of the matter is that general relativity had it since the beginning.\nIt is not a new theory in a sense yet profoundly new in other.\nIt was hidden behind the enigma of the Lense-Thirring force. The main reason this can not be understood is not because it is difficult or based on faulty logic. It is because human mind is not always logical and its inner workings depends strongly on the prevailing paradigm. It is hard to imagine explaining the cosmological problems without invoking this force.\nIn the world where the hunting was the main source of food supply, the agriculture would be a difficult concept to understand for people as a way of providing food source in ancient times. The biblical record of Cain and Abel may represent this kind of the turn of event. The agriculture dominated the hunting and nomadic culture.\nFarming culture represented by Cain replaced the nomadic culture represented by Abel. Whether God liked it or not is not the issue. The world has profoundly changed because of this \"discovery\" of the concept of farming.\nWould the discovery of \"antigravity\" have the same effect?\nThis is the beginning of the new civilization. The earth bound civilization is going to be replaced by the space bound civilization. The theory of dipole gravity has such a potential for huge changes and impact on our lives.\nHow Lense-Thirring force can be derived from dipole gravity?\nMonday, May 12, 2008\nPosted by Eue Jin Jeong at 4:09 PM", "label": "No"}
+{"text": "The Heat Is on Washington\nA boiling point over government inaction on climate change may have been reached in the United States.\nMore than 12,000 mainly young people are planning to gather in Washington on Monday, Mar. 2, to insist that their elected officials legislate immediate and deep cuts in U.S. emissions of carbon dioxide, just as scientists revealed this week that the global climate is more sensitive to rising temperatures than expected.\nAnd on the same Monday, at least 2,000 people led by eminent scientist James Hansen of the National Aeronautics and Space Administration (NASA) plan to close the coal/oil powered Capitol Power Plant that supplies heat to government buildings on Capitol Hill, breaking the law if necessary.\n\"For more than 30 years, scientists, environmentalists and people from all walks of life have urged our leaders to take action to stop global warming; and that action has yet to come,\" said Hansen, one of the world's leading climate scientists.\n\"The world is waiting for the [Barack] Obama administration and Congress to lead the way forward on this defining issue of our time. They need to start by getting coal out of Congress,\" Hansen said in a statement.\nFor 30 years, Hansen has \"consistently been the voice of courage on climate change,\" said Michael Crocker of Greenpeace USA, one of a coalition of more than 40 environmental, public health, labor, social justice NGOs that plan to shut down the Capitol Power Plant at least for part of the day.\n\"We want to send Congress the message that carbon emissions can't be cut without phasing out coal-power plants,\" Crocker told IPS.\nHansen and other scientists have shown that coal-powered plants are the major source of carbon emissions, and if they were phased out in every country by 2030, there would be real hope of stabilizing the climate. Coal is also a major air pollutant that kills hundreds of thousands, and the single largest source of toxic mercury emissions. Mining coal has significant environmental and health impacts.\n\"The industry claim that there is something called 'clean coal' is, put simply, a lie,\" said leading environmental writers Wendell Berry and Bill McKibben, who are participating and called on young people to join them in shutting down the plant.\n\"It is probable that people will be arrested. This is the start of series of actions on coal until the government takes real action on climate,\" said Crocker.\nThe U.S. needs to have legislation that sharply cuts carbon emissions and increases clean energy in place before the international climate negotiations in Copenhagen at the end of this year, said Jessy Tolkan, director of the Energy Action Coalition.\nThe Energy Action Coalition, made up people under the age of 30, has organized a separate but complementary effort bringing more than 10,000 young people from every state to the U.S. capital to lobby their members of Congress for action on climate change.\n\"There will be a wide cross-section of young people, and a real cross-section of our generation,\" said Tolkan.\nThese aren't just college kids from the Northeast states, she told IPS. There will be young people who have \"been abused by dirty energy by polluting their air, native youth whose lands have been damaged by coal mining, Latinos and Latinas lobbying for jobs in green energy, sons and daughters of autoworkers looking for green transportation, and Christian evangelicals who want proper stewardship of the environment.\"\nWhile her generation is deeply worried about the economy, they are \"terrified\" about climate change and realize this is the time for bold action on climate and to create a new green economy, she said. They want to see 5 million green jobs and to \"turn the [U.S.] midwest into the Saudi Arabia of wind and the southwest into the Saudi Arabia of solar.\"\n\"This is the solution to so many problems including ending wars over oil,\" Tolkan added.\nTo reach these ends, the coalition has arranged more than 325 meetings with nearly every member of Congress on Monday. In one such meeting, more than 500 students from Virginia will meet their two senators and insist on \"just and bold climate legislation,\" said Laura Comer, a student at Hofstra University in New York.\n\"This will be the biggest lobby day in U.S. history,\" Comer, a volunteer organizer for the Coalition, told IPS. \"We know the science [about climate change] is well-established and what actions are needed for us to survive.\"\nAnd that science is becoming more dire. This week scientists reported in the Proceedings of the National Academy of Sciences that global temperature increase of less than 1.8 C is very likely to result in \"increases in drought, heat waves and floods\" resulting in increased water stress, wildfire frequency and flood risks. Previously they thought temperatures would have to rise above 1.8 C.\nThe present temperature rise is 0.8 C and even if all carbon emissions ended today, temperatures would likely reach 1.8 C, previous reports have found.\nComer said young people realize that even though they strongly support President Obama, who has made climate a priority, they know that many in Congress do not share their desire for immediate and bold action on climate and to green the U.S economy.\nSo far elected officials have been \"shocked\" by the organization and numbers of young people who raised funds to make the journey to Washington and arranged meetings to tell their representatives how much action on climate matters to them, said Comer.\n\"We know older generations have failed us so they better not cut corners this time because we will be watching,\" the activist added.", "label": "No"}
+{"text": "West Nile Virus Carrier Loving The Weather\nTaking precautions against mosquito bites is a smart move considering how devastating West Nile Virus can be. Wyoming's dry weather this year has limited habitat for the usual nuisance variety of mosquitoes, but according to, John Leman, supervisor for mosquito control at the Natrona County Health Department, its a different genus that carries the virus and its thriving thanks to a warm winter and early, mild spring.\n\"It's really allowed for an issue with regard to a lot of the Culex mosquitoes which over winter as adults. So incidents of West Nile may be a little more heightened even if it's a dryer year.\"\nLeman says the Culex genus carries the virus over the winter and then loves to lay its eggs in backyard habitat like ponds, water barrels, or even your bath room's exhaust vent.\nHe says late summer is the time when virus transmission is most likely to happen.\n\"The Culex mosquito is more active- it tends to shift its feeding patterns from birds and so forth to humans for what ever reason- from mid-July all the way through August, that's usually when incidence are highest for transmission.\"\nWhen your outdoors health officials advise using bug repellent that includes DEET and wear long sleeves and pants when you can to keep as much skin covered as possible.\nWyoming announced its first recorded case of West Nile Virus this week and, so far, nationwide there have been nearly 700 cases reported to the Centers for Disease Control (CDC), with 26 deaths - the biggest nationwide outbreak since 2004.", "label": "No"}
+{"text": "May Day has long been a celebration of working class movements and struggle. Keith Flett looks at the radical history of international workers' day and how this can provide inspiration for today.\nAfter a long period when the workers' day was either assumed to be nearly dead, or institutionalised and no longer a threat to authority, it is back. Recent years have seen growing protests on 1 May, and the anti-capitalist movement in many countries has made the day its own. The spirit of rebellion to be found in such protests is now being brought together to form a new and powerful movement. So the London May Day march in 2002 is organised not only by the rather low key Greater London Association of Trades Councils (I should know, I am a longstanding delegate and friendly critic of what form the May Day march should take) but also by, it is admitted on all sides, the somewhat more youthful and energetic forces of Globalise Resistance.\nWith these positive developments in mind, it is time to look back to the origins of May Day as a form of protest. Far from being a bank holiday on the nearest Monday or a chance for now collapsed Eastern European regimes to parade their latest tanks, the historian Eric Hobsbawm reminds us that the original impetus for May Day was always from below.\nHobsbawm sees May Day as a 'labour ritual', a characteristic form of organised labour, but actually the early May Days were a lot more exciting than that. The first International May Day was proclaimed by the socialist Second International in 1889. However, the origins go back decades before this. The link between May Day and the use of the red flag as a symbol for socialist workers is close, perhaps above all in France. The British angle is that not just of a demonstration, but of a workers' festival based on miners' galas. So that first May Day already inherited some complex traditions--a demonstration of working class power which had to be respected, and was respectable, but, again as Hobsbawm notes, combined with beer and skittles. It was both a tremendous celebration of working class culture and a display of working class organisation. There were political speeches, and there was also eating, drinking and games. This is what the social historian Peter Bailey has termed 'thinking and drinking', and to this day the London May Day events comprise not just a march and political rally, but a football tournament and an evening of culture as well.\nThe first British May Day demonstrations were actually held on Sundays. So it was on Sunday 4 May 1890 that Engels commented that 'the English working class joined up in the great international army...the grandchildren of the old Chartists are entering the line of battle'. Engels clearly saw the rise of the May Day demonstration as the rebirth of the international labour movement. At first getting united May Day demonstrations including both trade unionists and socialists was difficult, and unity had to be fought for over a number of years. A report of the 1898 Manchester May Day demonstration notes that '26 trade unions, the Independent Labour Party, the Social Democratic Federation and the Manchester Labour Church took part in the demonstration which was acknowledged to be the largest in point of numbers and the most successful May Day labour demonstration yet held'.\nThe first May Day was planned as a one-off demonstration. The fact that it became an annual event was due not to the leaders of the Second International but pressure from the grassroots. Some socialist leaders at the time felt that the May Day march should be an entirely serious, perhaps even glum affair. This view of life may be familiar to those who have experienced some British May Day activities in recent decades. However, by 1893 Engels was referring to May Day as a 'Maifeier' or celebration, and in the same year the workers' leader Costa argued that 'Catholics have Easter--henceforth workers will have their own Easter'. The Italian May Day perhaps led the way in the aspect of celebration.\nAn international movement\nThe original May Day demand was for a legal eight-hour day on an international basis. However as the years rolled on May Day came to assume the form of a wider demonstration of workers' power. It was here that arguably the most potent aspect of May Day arose, the festival becoming a one-day strike in many countries. For many others it was also a commemoration of the US 'Chicago Martyrs'--anarchists framed and executed by the state.\nMay Day, as Hobsbawm notes, became such a huge festival and demonstration that it also spawned a massive range of badges, flags, papers and cartoons. Much of this is still familiar today. However, an aspect which is less well known is the association of the May Day events with spring, youth and rebirth. Here the symbol was a flower. Almost always, whether a carnation in Austria or Italy, a paper rose in Germany or a poppy in France, the flower was red. May Day became an international socialist symbol of what the artist and designer Walter Crane called the 'dawn of labour'. A Crane cartoon for May Day 1896, for example, shows an English worker offering the hand of international socialist cooperation to Italian, German, French and other workers with the slogan 'International solidarity of labour--the true answer to jingoism'. Crane dedicated the cartoon to 'the workers of the world'.\nEric Hobsbawm has unearthed a marvellous quote from an Italian worker recalling what early May Days meant. The worker, Pietro Comollo, noted, 'Everybody used to say, \"It's our festival--it's the workers' festival.\" We knew vaguely that it was in memory of those who'd fought for the eight hours, the Chicago Martyrs. So that was a symbolic fact. And then, well...it was just a holiday--there were the red carnations. It was a fighting demonstration...because we were all there together and united. Even the anarchists turned up.'\nIn some cases May Day demonstrations and strikes continued during the First World War. Following the arrest of the Scottish socialist leader John Maclean on 15 April 1918 and a charge of sedition against him, the Glasgow May Day Committee called a one-day strike for peace on 1 May 1919. Maclean's daughter Nan Milton has recalled that 'when the great day dawned, the most sanguine hopes were justified. One hundred thousand Glasgow workers took the day off to march in procession, and thousands more lined the streets to cheer the demonstrators as they passed by. Glasgow was on fire with red banners, red ribbons and red rosettes. The air was alive with the sound of revolutionary songs and with the blare of bands. Socialist literature was showered everywhere and eagerly purchased on all sides. On Glasgow Green orators spoke from 22 different platforms...sectarian bitterness was forgotten. There was plenty of friendly criticism, but the common struggle united all in bonds of real solidarity... This great celebration finished up with a huge crowd marching to Duke Street prison. Three times a tremendous shout arose from thousands of lusty throats: \"John Maclean! John Maclean! John Maclean!\"'\nSuch was the strength and power of those early May Day protests that those in authority tried to take it over. The Bolsheviks of course made it a genuine workers' day, but Hitler also made May Day a national holiday of labour, with very different imagery and meaning to that of 1889.\nAfter the First World War the nature of May Day demonstrations began to change. For a start such huge expressions of working class organisation were only possible where the labour movement was legal. First in Italy, then in Germany and in numbers of other countries this was not the case. The tradition continued underground, but this was a very different matter to public displays. In general, certainly since 1945, two things can be said about the celebration of May Day. Firstly, it has ebbed and flowed depending on the general level of class confidence. Difficult though it may be to recall now, there were actually huge May Day marches in Britain involving strike action in the 1970s. Edmund and Ruth Frow have recalled how 'many factories' in Salford were closed as workers joined the protest. The continuing tradition of strike action on May Day was one reason why a Labour government acted to make it a public holiday. Even in the difficult years of the 1980s the tradition continued. In his diary for Monday 7 May 1984 Tony Benn recalls May Day celebrations in Chesterfield at the height of the 1984-85 miners' strike. He noted that it was the 'biggest ever, with 10,000 people marching through the town. There were one or two hiccups during the speeches. No woman speaker had been included, and the women demanded the right to speak'.\nThe second thing that has endured about May Day is the iconography. The colour red is still associated with 1 May, as are certain songs such as the Internationale and Bandiera Rossa.\nIt is important to remember both the history and traditions of May Day, not only because those in authority would like us to forget them, but also because in making May Day again a huge international celebration of working class politics and culture we can reappropriate this history and symbolism, and start to make some of our own.", "label": "No"}
+{"text": "“If you had to identify the three main policies that you consider key in eradicating extreme poverty, what would they be?” This question was asked to Andrew Shephard, CPAN’s Director, during the presentation of the 2014 Chronic Poverty Report at the DAC Development Debate in Paris last 15 April. To answer Erik Solheim’s question, DAC Chair, and in line with the Chronic Poverty Report 2014, Andrew identified the three main policies that can challenge chronic poverty, stop impoverishment and sustain escapes from extreme poverty:\n- Huge investment in education – to improve the standard of living of the poorest. A massive investment in education would allow at least one or two children in each poor household to go to a good quality school for around 10 years. Such approach enables household escapes from poverty, sustains the climb away from it and education also has the advantage of being a ‘portable asset’ that is resilient to crises. In terms of interventions, it would imply investments in pre-school and linking those who complete school to the labour market, as well as quality improvements in primary and greatly expanded access to secondary schools.\n- Social assistance – to provide a safety net for the poor. Such policy brings the poorest people closer to a decent standard of living, provides a safety net for them in tough times, and encourages them to make the investments and take the risks that could not only propel them out of poverty but also keep them out of poverty. Extending protection to the vulnerable non-poor will also dramatically reduce impoverishment rates.\n- Economic Growth which benefits the poorest – creating national prosperity which is genuinely for all. This involves a bundle of measures to support pro-poorest economic growth (PP²G): investing strongly in smallholder agriculture and in policies to improve the quality as well as the number of jobs created, especially in the informal sector, where most poor people work.\nAs the Chronic Poverty Report 2014-5: the Road to Zero Extreme Poverty remarks “The poorest people often lack the skills, education or assets (such as land) to keep their heads permanently above the poverty line and are very likely to remain poor if they are hit by shocks such as illness, unemployment, old age, a disability, extreme climate events, or conflict.” These three sets of policies not only enable poor people to cope with shocks but also provide the poorest with the resources and an enabling environment that can help them escape and stay out of poverty. Additionally, other priority policies will be needed in each country context – the menu of these is laid out in the Chronic Poverty Report.\nOf these three policy areas, pro-poorest growth is least well understood in most countries. CPAN has a work stream which tries to identify the policies which will enable the poorest to benefit from growth. Policy guides on agriculture, energy, employment, middle income countries, financial inclusion, and private sector development have been produced; a guide on macro-economic policy is underway, as is research comparing growth performances in Southeast Asian and East African countries. The intention is to write a fourth international Chronic Poverty Report on pro-poorest economic growth in 2016.\nWe would very much like to hear from policy makers and researchers engaged in including the poorest people in growth.\nThe presentation of the 2014 Chronic Poverty Report at the DAC Development Debate is one of the several presentations taking place in 2015, which indicates the continued level of interest in this publication. The 2014 Chronic Poverty Report was also ODI’s most read report of 2014.\nThis post first appeared on Chronic Poverty Advisory Network.", "label": "No"}
+{"text": "East Africa’s first utility-scale solar photovoltaic power plant came online this week in Rwanda.\nThe 8.5 MW Rwanda Field plant was constructed in the shape of the African continent and sits on land owned by the Agahozo-Shalom Youth Village charity, which houses Rwanda’s orphaned children. It is expected to produce enough power for 15,000 households. Funded through the Power Africa Initiative backed by US President Barack Obama, the $23.7m project was built by Netherlands-based solar developer Gigawatt Global. “Our project proves the viability of financing and building large-scale solar fields in sub-Saharan Africa,” said Chaim Motzen, the firm’s managing director.\n“We hope that this solar field serves as a catalyst for many more sustainable energy projects in the region,” he added.\nHis company plans to offer training in solar power to students at the high school on the property.\nAccording to the International Energy Agency, global solar capacity is set to hit 930 GW by 2040 .", "label": "No"}
+{"text": "In a new study published in the journal Phycologia, researchers suggest that adding seaweed to processed foods, such as dried pasta, hot dogs, and frozen pizzas, may help reduce cardiovascular disease.\nCardiovascular disease, or heart disease, is the leading cause of death in the U.S. According to the Centers for Disease Control and Prevention, cardiovascular disease results in 611,105 deaths each year. Types of heart diseases include angina, high blood pressure, heart attack, and atherosclerosis.\nCardiovascular diseases are thought to be preventable through lifestyle choices. You can reduce your risk of heart disease by exercising, managing diabetes, stress, blood pressure, and quitting smoking. Itâs also important to eat a healthy diet high in fiber, omega-3 essential fatty acids and antioxidants.\nIn other words, it is up to the consumer to make responsible decisions about their health. Study author and University of Southern Denmark professor Ole G. Mouritsen argues that the food industry should also be responsible for the health of society. Mouritsen has written several books about seaweed for food consumption.\nIn a recent article, Mouritsen and his team reviewed studies on the health benefits of 35 seaweed species. In the article, the authors suggested how the food industry and consumers can effectively use seaweed to make meals healthier by adding it to fast food. For instance, granulated and dried seaweed could replace some flour in processed breads, pastas, and other foods. It can even enhance the flavor of food.\nConsumers could also buy seaweed and add it to homemade foods themselves. For example, dried seaweed like nori is perfect for salads, dressings, vegetables, eggs, or fish dishes. Kelp seasoning can even replace your current saltshaker. Hijiki is used for some Asian-flavored salads, and wakame is also a great addition to miso soup. Dulse and kombu can enhance the flavor of soup.\nSeaweed is known for its heart health properties, such as dietary fiber, proteins, essential fatty acids (lipids), antioxidants, and angiotensin converting enzyme (ACE) inhibitors. As far as mineral content, seaweed contains potassium. On the other hand, processed foods contain high sodium, which may lead to high blood pressure.\nUmami is another important feature found in seaweed. Umami is thought to be the fifth basic taste, which promotes satiety and regulates food intake to help reduce food cravings for fat, sugar, and salt.\nâIt is difficult to determine how much seaweed a person should consume to benefit from its good qualities. Five to 10 grams of dried seaweed per day is my estimate,â explained Mouritsen.\nIn 2011, Canadian and Irish researchers at the Teagasc Food Research Centre in Ashtown, Dublin, studied the heart-health properties of seaweed. From the eight Irish and Newfoundland seaweed species’ studied, the Irish seaweed called Pelvetia canaliculata had the highest total lipid percentage per dry weight.\nâSeaweeds are a known source of essential fatty acids, which are thoughts to reduce thrombosis and atherosclerosisâfactors important in the reduction of the risk of heart disease,â explained Dr. Maria Hayes from the Teagasc research team and Memorial University in Newfoundland.\nNori is perhaps the most popular sea vegetable and it is used in sushi rolling. Other varieties of nutrient-rich seaweed include kelp, kombu, and dulse.\nSources for Todayâs Article:\nMouritsen, O.G., et al., âA role for dietary macroalgae in the ameliorating ration of certainement Risk Factors Associated with cardiovascular disease,â Phycologia, 2015; 54, 649-666.\nâFood industry can help lower cardiovascular diseases by adding little seaweed to products,â ScienceDaily web site, November 23, 2015; http://www.sciencedaily.com/releases/2015/11/151123101902.htm.\nâSeaweed does the heart good?â ScienceDaily web site, September 13, 2011; http://www.sciencedaily.com/releases/2011/09/110913184059.htm.\nâCooking Healthy with Sea Vegetables,â The World’s Healthiest Foods web site, http://whfoods.org/genpage.php?tname=whfkitqa&dbid=23, last accessed November 24, 2015.\nâLeading Causes of Death,â Centers for Disease Control and Prevention web site, last updated September 30, 2015; http://www.cdc.gov/nchs/fastats/leading-causes-of-death.htm, last accessed November 24, 2015.", "label": "No"}
+{"text": "Why is Antarctica’s Pine Island Glacier losing so much ice into the sea? Because, researchers say, it has come unstuck at the bottom.\nThe Western Ice Sheet in Antarctica contains “enough water to raise global sea levels by several metres,” Christian Schoof writes in an accompanying commentary on the paper in Nature Geoscience, and so the high rate of ice loss in place like Pine Island is a worry. But the force of the atmosphere, even if you accounted for a warming Antarctica, doesn’t explain the melting rate. So the British Antarctic Survey team led by Adrian Jenkins ventured a guess that something else was going on under the ice, and sent a robot to investigate.\nWhat the autonomous underwater bot found was pretty jarring.\nIn just a few decades — since the 1970s — the relatively warm deep ocean water flowing beneath the cold, buoyant glacier meltwater has encroached inland under the glacier some 30 km, or 18.6 miles, and the pace of the outflow of Pine Island Glacier continues to accelerate [Discovery News].\nUnderneath the glacier, the explorer’s acoustic instruments found a huge ridge that rises about 1,300 feet up from the rest of the seabed upon which the glacier rests. But the relatively warm ocean water has been cutting away the glacier’s underside. According to co-author Pierre Dutrieux, that ridge can help explain why ice loss accelerated so recently.\n“Some decades ago, the glacier was sitting on this ridge and the friction of the ridge was restraining the flow of the glacier,” he explained. “When the glacier became detached from the ridge, the ice flow was able to accelerate significantly” [BBC News].\nThe team’s findings bring up the climate change question, but as with any single event, the dynamics are too complex to say “global warming caused this.” Jenkins addresses this problem in his statement on the find:\n“The discovery of the ridge has raised new questions about whether the current loss of ice from Pine Island Glacier is caused by recent climate change or is a continuation of a longer-term process that began when the glacier disconnected from the ridge. We do not know what kick-started the initial retreat from the ridge, but we do know that it started some time prior to 1970. Since detailed observations of Pine Island Glacier only began in the 1990s, we now need to use other techniques such as ice core analysis and computer modelling to look much further into the glacier’s history in order to understand if what we see now is part of a long term trend of ice sheet contraction.”\nDISCOVER: The Last Unexplored Place on Earth\nDISCOVER: Science Is Best When Done Underwater–by Robots\n80beats: An Iceberg the Size of Luxembourg Breaks Free from Antarctica\n80beats: Climate Panel Admits Glacier Blunder, Scrambles To Save Face\n80beats: Tiny Soot Particles May Be Melting Mighty Himalayan Glaciers\nImage: British Antarctic Survey", "label": "No"}
+{"text": "All cities and towns must have a Master Plan. Master Plans contain within them the plans and codes for how the municipality will be built. For example: maximum building height, acceptable levels of delay at intersections, zoning codes for residential, commercial, and mixed use, etc. Master Plans contain a section typically called the “Transportation Element”—this is where the municipality’s policies pertaining to land use related to transportation—cars, trucks, bikes, transit, pedestrians, etc. are spelled out at a high level. Sometimes plans will undergo a “check in” at the 5-year mark, especially during times of high population growth, building, and/or economic upturns.\n• Master Plans are public documents, and as such can be found at your local library and City Planning department for review.\nIf you are fortunate, your municipality will also have a Bicycle and Pedestrian Master Plan (BPMP), or sometimes separate Bicycle and Pedestrian Master Plans. These documents move in to the detail of where and what types of routes currently exist and/or should exist in your town. BPMPs are typically developed by a citizen-based committee that helps to create and then maintain the plan. These committees can be found under a variety of similar names—Bicycle and Pedestrian Advisory Committees (BPACs), Traffic Advisory Committees (TACs), Bicycle Advisory Committees (BACs), Bicycle Advisory Groups (BAGs), etc. BPMPs are updated more frequently than Master Plans due to the project-specific information in the plans.\n• Find out if your municipality has a BPAC, and if so, who are the committee members. Just ask your local Planning Department.\n• BPAC meetings are public meetings; find out when the BPAC meets and attend to provide input.\n• If no BPAC exists, work with your local advocacy group to get one started. If no local advocacy group exists, consider meeting with your local officials to get a BPAC started. More information on meeting with your elected officials can be found in Urban Velo #16, “Persuasion – A Political Primer”.\n• BPMPs are also on file at your local library and/or Planning Department.", "label": "No"}
+{"text": "· In general, groundwater in Northland is of a high enough quality that it can be consumed without treatment.\n· Groundwater quality was monitored at 39 sites (wells or bores) throughout Northland; seven of them as part of the National Groundwater Monitoring Programme and 32 as part of the Regional Groundwater Quality SOE Programme.\n· Five specific groundwater investigations were carried out on aquifers – Ruāwai, Russell, Taipā, Whatitiri and Maungakaramea, where a total of 14 sites were monitored.\n· Groundwater levels were monitored at 73 sites.\n· Six sites were age tested to determine the average age of the groundwater in certain aquifers in the region.\nNorthland Regional Council Groundwater and Monitoring Officer Sandrine Le Gars sampling groundwater.", "label": "No"}
+{"text": "Whole Body Vibration\nA VARIETY OF APPLICATIONS FROM ONE MACHINE\nThe first applications of vibration for the improvement of human performance were developed in ancient Greece.\nAs a therapy, the whole body vibration (sometimes abbreviated as WBC) was explored by Russian Scientists who tested vibration on astronauts in an effort to decrease the loss of muscle nad bone mass in space.\nBecause more muscle fibers (also known as motor units) are activated under the influence of vibration than in norma, conscious muscle contractions the muscles are incited more efficiently (Paradisis & Zacharogiannis_2007 ; Lamont et al. 2006 ; Cormie et al 2006 ;_Bosco et al. 1999 , 2000 ; Rittweger 2001 , 2002 ; Abercromby et al. 2005 ; Amoette et al. 2005 ). The immediate effect of WBV s therefore that the muscles can be used quickly and effciently, rendering then capable of producing more force. Howevr, this process will only be effective if the stimulus is not too intense and does not last too long, because otherwise performance will diminish due to fatigue.\nWe use the best Whole Body Vibration unit money can by\nSee the independent test results below\nAnother immediate effect of WBV is an improvement if circulation. The rapid contraction and relaxation of the muscles at 20 to 50 times per second basically works as a pump on the blood vessels and lymphatic vessels, increasing the speed of the blood flow through the body (Kerschan-SCHINDL ET AL 2001 ; lOHMAN ET AL.2007 ). subjects often experinec this as a tingling, Prickling, warm sensation in the skin. Both Stewart (2005 ) and Oliveri (1989 ) describe the appearance of vasodilatation (widening of the blood vessels) as s result of vibration.\nLong term effects of WBV In order to have any effects on the body term it is vital that the body systems experience fatigue or some sort of light stress. As in other kinds of training, when the body is overloaded repeatedly and regularly, the principle of supercompensation will occur. This princple is the cause of the body adapting to loading. In other words: performance will increase.\nAnother important difference between conventional training methods and WBV is theat there is only a minimum of loading. No additional weights are neceesary, which ensures that there is very liitle loading to the passive structures such as bones, ligaments and joints. That is why WBV is extremely suited to people that are difficult to train due to old age, disease, disorders, weight or injury. Onthe other hand, it is also very suitable for professional athletes who want to stimulate and strengthen their muscles without overloading joints and the rest of the physical system (Cochrane et al 2005 ; Mahieu et al 2006 ).\nWhole body vibration training is an excellent adjunct to the Laser-Like Lipo treatments and can help accelerate the results of any treatment.", "label": "No"}
+{"text": "Sometimes with our children we can feel more like referees than parents! In today’s article, Focus on the Family gives some helpful steps to teaching your children how to resolve conflict. If we are able to help our children have wisdom in this area, it will not only be a blessing to our lives now, but will equip them to know how to handle conflict throughout their lives in a way that glorifies our Savior.\nKen Sande offers twelve key principles to help your children learn to be peacemakers. He writes:\n“Conflict is an opportunity. By handling it right we get a chance to glorify God, serve others, and become better people. Conflict is not necessarily bad or destructive. Even when conflict is caused by wrong-doing and causes a great deal of stress, it can lead to good. You can use conflict to:\n• Glorify God (by trusting, obeying, and imitating Him)\n• Serve other people (by helping to bear their burdens or by confronting them in love)\n• Grow to be like Christ (by confessing wrong and turning from attitudes that promote conflict)\n“These concepts are totally overlooked in most conflicts because people naturally focus on escaping from the situation or overcoming their opponent. Therefore, it is wise to step back from a conflict and ask yourself whether you are doing all you can to take advantage of these special opportunities.”\nYou can read the whole article HERE", "label": "No"}
+{"text": "A \"grilled\" dish is cooked on a metal grill that's laid over flames. You call food that's cooked this way \"grilled ___\". For example:\nOther styles of cooking that are sometimes included in the name of a dish include:\n- \"Roasted\" things are cooked in an oven.\nroasted red pepper hummus\n- \"Sauteed\" food is cooked in a pan on high heat.\nsteak withsauteed mushroom\n- \"Stir-fried\" food is cooked in a Chinese-style pan called a wok. The ingredients are cut thinly and cooked quickly.\nstir fried vegetables\n- \"Steamed\" food is cooked in a container that sits over boiled water.", "label": "No"}
+{"text": "Yesterday I joined my Sagebrush Habitat Ecology class on a field trip to help restore a piece of land which has seen its fair share of abuse. This land has been grazed, cleared for agriculture, and left for dead. As with most abandoned land, dead would be better than what actually occurs. When the native plants and animals are removed, the land is quickly overtaken by invasives - most notably cheatgrass, medusahead and tumble mustard.\nThe land we were working on is part of a private ranch which has been purchased by an individual with a history of restoring lands. They are interested in restoring this portion of the land as both Greater Sage-Grouse and Columbian Sharp-tailed Grouse occupy nearby lands. The hope is that this habitat could one day be occupied by these species which are both in critical need of increased habitat availability.\nThe restoration project began last fall when the land was cleared. After clearing, an herbicide was applied to kill all annual grasses most of which are invasive. I am usually against herbicides due to the potential impacts on animal life, but cheatgrass has proven immune to most all other methods. Following this treatment the land was seeded with a subspecies of Big Sagebrush which grows well in the area, native bunchgrass, and a variety of forbs. Unfortunately Antelope Bitterbrush, a native member of many sagebrush habitats, does not grow well from seed. Our task today was to plant 2500 Bitterbrush starts.", "label": "No"}
+{"text": "When your senses feel a threat such as loud noises or a scary feeling, that information is sent through two different areas of the brain.\nThe first thing that happens is that the amygdala sends an alert to the rest of the brain.\nThis causes a burst of adrenaline, sweaty palms, rapid heartbeat, and increases the blood pressure.\nThese senses are caused by anxiety, which can be a reaction to something real or imagined. In the situation with anxiety disorder, the anxiety may be constant or it may be intermittent, striking without warning.\nAnxiety disorder can be said to be..\nA mental health disorder generally characterised by excessive feelings of worry, anxiety or fear.\nThere are six main types of anxiety disorders, which include\n- Generalized anxiety disorder\n- Social anxiety disorder\n- Obsessive-compulsive disorder\n- Panic disorders\n- Post-traumatic stress disorder\n- Specific phobias.\nGeneralised Anxiety Disorder\nThere are close to seven million people in the United States who suffer from general anxiety disorder, or GAD.\nThat is a little over 3% of the United States. This condition is characterized by a constant worry about many different things such as your health, family, money, or work.\nSocial Anxiety Disorder\nThis condition affects about 15 million adults in the United States although it is known to start in the teen years for most people.\nSocial anxiety disorder (SAD) causes severe stress and debilitating symptoms when out in public.\nIt is a fear of being negatively judged or rejected by peers or even strangers when put in a social situation.\nObsessive-compulsive disorder, or OCD, is thought to affect about one out of forty American adults.\nThis condition is characterized by uncontrolled obsessive thoughts or behaviors due to distress over certain things.\nSome of these obsessions may include the need for symmetry, checking something over and over again, cleaning or washing your hands constantly.\nThis debilitating condition is diagnosed by random panic or anxiety attacks for no obvious reason.\nThe attacks can cause heart palpitations, dizziness, feeling you are going crazy, numbness in the hands and feet, nausea, and shortness of breath.\nPost-Traumatic Stress Disorder\nMany believe that post-traumatic stress disorder (PTSD) only affects soldiers but it is actually common in anyone who has experienced a traumatic event such as violent attack, abuse, or a natural disaster like a tornado or hurricane.\nThis condition is one of the most common forms of anxiety disorders and affects almost 8% of the American population.\nThe most common anxiety disorder is specific phobias, which affect more than nine percent of people in the United States or 19 million people.\nSome of these phobias (fears) may include heights, small spaces, dogs, or even some random object such as a cat or dog.\nSymptoms of Anxiety Disorder\nWhile each of these conditions have their own set of symptoms, they are all pretty similar. Some of these symptoms of anxiety disorders includes:\n- Worrying about many different things or just one thing constantly\n- Inability to stay focused or concentrate\n- Muscle tension\n- Insomnia or inability to stay asleep\n- Fear of public places or crowds\n- Rapid heart rate\n- Nausea or vomiting\n- Dizziness or fainting\n- Feeling of impending danger or death\nIf you or someone you care about has any of these symptoms or think you may have some form of anxiety disorder, talking to a professional can help immensely.\nIn fact, you do not even have to make an appointment or leave your house if you choose online therapy.\nJust use any electronic device such as a cell phone, laptop, or tablet and search for online therapists.\nAbout the author\nMarie Miguel has been a writing and research expert for nearly a decade, covering a variety of health- related topics. Currently, she is contributing to the expansion and growth of a free online mental health resource with BetterHelp.com. With an interest and dedication to addressing stigmas associated with mental health, she continues to specifically target subjects related to anxiety and depression.", "label": "No"}
+{"text": "The end quote is a good way to sum things up. This is a basic layout of a feature article. Through the body be creative with your language. Closing quotation Find something that sums the article up in a few words.\nObviously, the more complex the issue, argument, story, and so on, the more complex the plan will be. The ending generally sums up the piece of text, or makes a final point, or brings a conclusion to a story. If the beginning is poor, the reader could lose interest quickly and stop reading.\nOpening quotation What will give the reader a sense of the people involved and what they are thinking? Nothing puts editors off more than a poorly written article that requires copious amounts of editing to even come close to being print ready. Unlike a news story that provides facts, a feature article digs deeper, giving your reader a more in-depth view of your topic or opinion.\nWhere did you hear about us? It summarises your thoughts and angle, and gives you a place to offer a course of action for your readers if a course of action is appropriate for your article.\nMost newspaper articles break down into two categories: Morris Journalism Academy will show you not just how to write a feature article, but also how to sell it.\nNews articles Feature articles You will also find opinion pieces, like editorials and book and movie reviews. Sample plan for magazine article Imagine you are writing a plan for a magazine article about fitness and health.\nPlease Specify This field should be left blank Send Please waitA PPT which guides pupils through writing a newspaper article.\nGreat for revision or for introducing it as a new topic/5(91). Most newspaper articles break down into two categories: News articles; Feature articles; You will also find opinion pieces, like editorials and book and movie reviews.\nBut this lesson deals strictly with news and feature articles. Here's how you can tell the difference between a news story and a feature story. Media texts - An extensive collection of teaching resources for KS3 English writing, including letters, stories, autobiography & persuasive writing.\nWith free PDFs. For example, how would a writer plan a magazine article about the benefits of health and fitness?\nSample plan for magazine article Imagine you are writing a plan for a magazine article about fitness and health. Writing a feature article A planning aid and writing frame to develop students' understanding of newspaper and magazine feature articles.\nAn interactive Sequencing task allows students to consider the appropriateness of writing techniques in. Aug 20, · How to Write a Feature Article Six Parts: Sample Feature Choosing a Topic Interviewing Subjects Preparing to Write the Article Writing the Article Finalizing the Article Community Q&A Featured articles are windows into the human experience, giving more detail and description than a hard news story, which typically relies on the style 87%(91).Download", "label": "No"}
+{"text": "Archaeologists have found glass beads and vessels in China from other parts of the world such as the eastern Mediterranean under the Roman Empire, and what is now Syria and Iran. These finds prove that glass from other countries reached China along trade routes.\nGlass was also made in China, from at least the time of the Warring States period (481-221 BC). The glass bead with circles and dots is a striking early example of Chinese glass.\nArchaeologists have found glass objects buried in tombs and Buddhist temples. This shows that Chinese people valued glass as a material. However glass grave goods were also made in China as substitutes for jade, like the circular disc and cicada plaques here.\nClick on the images to find out more about them.", "label": "No"}
+{"text": "Create a hypothetical organization with details including geographic location(s), number of employees in each location, primary business functions, operational and technology details,\npotential threats to the business and its technology, and anything else that you believe is relevant to the business.\nAssume this organization is lacking in its contingency planning efforts and requires assistance in ensuring these efforts are appropriately addressed to increase its overall security and preparedness posture.\nWrite a ten to fifteen (10-15) page paper in which you:\n- Provide an overview of the organization and indicate why contingency planning efforts are needed and how these efforts could benefit the business.\n- Develop a full contingency plan for the organization. Include all subordinate functions / sub plans, including BIA, IRP, DRP, and BCP efforts.\n- Determine the policies and procedures that would be needed for all contingency planning efforts.Detail the role of the policy / procedure, and explain how each would help achieve the goals of these efforts.\n- Detail the processes to utilize in order to fully implement the contingency plan and its components, and explain the efforts to consider in maintainingthe plans.\n- Create a hypothetical incident scenario where the contingency planning efforts would need to be utilized and detail: a. How the plan is sufficiently equipped to handle the incident. b. a timeline for the incident response and recovery efforts.\n- Identify any ethical concerns that are specific to this organization and its incident response personnel (especially the CP Team Leader), and explain how to plan for these concerns.\n- Use at least five (5) quality resources in this assignment. Note: Wikipediaand similar Websites do not qualify as quality resources.\nYour assignment must follow these formatting requirements:\n- Be typed, double spaced, using Times New Roman font (size 12), with one-inch margins on all sides; citations and references must follow APA or school-specific format. Check with your professor for any additional instructions.\n- Include a cover page containing the title of the assignment, the student’s name, the professor’s name, the course title, and the date. The cover page and the reference pageare not included in the required assignment page length", "label": "No"}
+{"text": "Everything But the Baa\nIf a student were asked to name 3 products that come from sheep, the answer would probably be something like this:\n\"Wool, lamb chops and leg of lamb\"\nAnd that answer would be completely right; but it is far from the whole story. The majority of sheep raised for processing in the United States are raised for meat purposes; while Australia holds the market on wool. Meat is an easy one - most students know what products are made from meat - leg of lamb, lamb chops, kabobs, rack of lamb and others. Wool gets a little more complicated - what do we use wool for? Depending on the quality it could be used for carpets, felt, clothing, fabric and many other things.\nAfter that though, it starts getting really tricky. While meat and wool are the two products that readily come to mind, so much more of the sheep is used. There are products made from the hide, from the fat, from the manure and from the intestines that most don't realize have anything to do with sheep.\nWant to learn more about by-products from sheep? Check out our Everything But the Baa infographic, video, worksheet, and activities! It is a great visual for students to start learning about just how much agriculture impacts their daily lives through more than just the food on their plates and illustrates how we really do use everything but the baaaa!", "label": "No"}
+{"text": "Estimated reading time: 5 minutes\nWhen I was young in my career, I was fortunate enough to have some amazing mentors in my life.\nThese professionals who were only a few years ahead of me sowed into my development and helped to make me who I am today. I will be forever grateful for these selfless people in my life.\nSo what is a mentor?\nWe’ve all heard the term ‘mentor’ but what is a mentor?\nMentoring has been around for a long time, specifically in academic environments where teaching is a part of the business model.\nFor instance, in health care, a mentor will be assigned to a nurse or doctor in training to help them acclimate to the medical field.\nAccording to dictionary.com a mentor is “\nA mentor is someone who understands the work environment and offers advice to employees coming up the ladder.\nMentors offer guidance and words of wisdom on career advancement but have no reporting relationship.\nMentors are internal to the organization for many industries.\nA trusted mentor understands the organization and serves as a guide to younger or less experienced employees, and helps them to advance in their careers within the organization or industry.\nThis is often done by teaching what I call the “unwritten rules” of an organization. Every organization and industry has these.\nFor instance, unwritten rules typically relate to the culture of the organization and are the expected behavioral norms.\nOften there are tacit knowledge facts about an organization or industry that those who have been around for a while just know.\nMuch of this knowledge is based on the history of the organization and the evolution of things in the environment. This is valuable insight that can be lost when there is steady turnover.\nNot everyone works for a big business or health care system. Some of us are entrepreneurs and need external mentors.\nIn the case of an entrepreneur, a mentor may be someone within the same industry who takes a younger professional under their wings and shows them the ropes.\nFor instance, young entrepreneurs may have strong networking skills and utilize those relationships to grow and mature in their profession.\n8 Traits To Look For In A Mentor\n1. Knows the Organization\nA mentor is someone who has been around for a while and understands the organization inside and out.\nThey understand the organizational structure’s weaknesses and strengths and development process.\nThey know the pitfalls and how to avoid them.\nFor instance, there was an administrative assistant that worked for the CEO of a company I worked for. We all learned very quickly that developing a strong relationship with her was the key to access to the boss.\n2. Knows the Industry\nA mentor will know and understand the industry they are in.\nThey understand the history of the industry, how things got to be the way they are, and where the industry is going.\nFor instance, an industry expert will have knowledge and understanding of changing trends and be aware of developing technologies to address those needs.\nMentors like to predict where they see things going in the next few years and have opinions on their likes and dislikes of the way things are.\nThey have an unquenchable desire to keep on top of their industry.\n3. Has No Ulterior Motives\nA good mentor takes pleasure in developing others. They are not threatened by the mentee’s potential.\nFor instance, unprofessional experts fear that sharing what they know will threaten their position.\nMentors take pride in developing others and are not looking for anything in return – other than the pride that comes with watching someone’s professional development.\n4. Diplomatically Honest\nA good mentor is honest about the potential for development and advancement. They see things the way they are and are realistic.\nThey are comfortable sharing what they think is working as well as opportunities for change.\nThey see it as their responsibility to be honest – even when it may not be pleasant or easy.\n5. Politically Savvy\nLet’s face it; there are politics in every environment and at every level.\nGood mentors are politically savvy and are aware of political “landmines” and how to avoid them.\nThey teach others how to maneuver successfully within the political environment.\nYoung professionals who don’t understand this can hit a political landmine and have it affect their career opportunities for sometimes years.\nDon’t ever underestimate the power of politics – in any environment.\n6. Have Time\nA good mentor has time to spend mentoring. They are available for questions and can help their mentee over the hump in difficult situations.\nFor instance, a good mentor will have an open door policy for the person they are developing.\nThey enjoy spending time and just conversing about developmental topics.\n7. Are Patient\nIt is easy to be impatient in the hustle and bustle of any work environment.\nHowever, mentors are patient by nature.\nThey have been around a while, are well-oiled and seasoned, and know how to respond with patience and grace.\nThey don’t allow all of the noise in the room to trigger an emotional response.\n8. Desire to Give Back\nMost good mentors had a positive mentoring experience themselves and have a desire to give back to someone else.\nThey understand the advantages of being mentored and want to share that experience with others.\nStructure Your Mentoring Program\nSome organizations have structured mentoring programs.\nThis can be a very positive way to develop professionals as long as the mentors have the desire to mentor and exhibit the above traits.\nI believe we all have the responsibility to give back to others what we have learned along the way.\nThis is how knowledge is transferred, and those behind us get developed.\nI still remember my mentor. Her name is Antoinette Brooke.\nShe helped me climb the ladder out of the support realm into a leadership position. For that, I am forever grateful!\nWho will you mentor today?", "label": "No"}
+{"text": "Jobst tells a story about one of his students: “He was sort of manhandling the airplane and slowing it up and slowing it up. And sure enough it let go. He threw his right hand up past my head. Luckily I ducked or I wouldn’t be here talking to you today. His hand flung out and he yelled, ‘You got it!’ So when I recovered he said, ‘What was that?’ I said, ‘It’s a spin.’ That convinced him to get spin training. Had he been alone with that first spin, he would likely be dead.”\nJim Patton is unequivocal, as he was in his 1980 testimony. “Certainly pilots should know how to recover from a spin,” he says. “Like buying an insurance policy. If the first time you go into a spin is inadvertent, especially if you’re at pattern altitude, then it’s too damned bad because you’re not going to do the right thing. The problem is that instructors are given only a once-in-a-lifetime exposure to spins. They should have to remain current in spin recovery.” Patton has a unique perspective on spins: He was chief pilot for a stall/spin research program conducted at NASA’s Langley Research Center from 1977 to 1987. Before that he had been an FAA test pilot, testing, among others, two aircraft known to have unrecoverable spin modes. The original intent of the FAA study was to examine the aerodynamics of a spin. By the time the study ended, Patton and his investigators had progressed to developing efficient methods of building spin resistance into general aviation aircraft.\nFor the NASA experiments his group acquired four general aviation aircraft that they modified radically to examine how changes to the standard airframe would affect spin characteristics. “The goal was to determine what was happening with spins, at least at first,” Patton says. His test flights with various aircraft modifications soon indicated that very small changes to the wing would produce huge differences in performance. “With simple changes to the wing we could change an airplane that flew like a kiddie car into a tiger that would eat you up,” he recalls. Thus came the realization that, with slight modifications, an airplane could be produced that was even more resistant to spins. The experimenters could say: “Hey, this is a very safe airplane. Not spin-proof, but it gives plenty of warning, lots of buffet, very little roll-off laterally—a long period of telling the pilot ‘Hey, you’re doing something wrong.’ ” In fact, a new generation of aircraft, particularly Lancair and Cirrus, use wing leading edge cuffs that were pioneered in Patton’s program. The cuffs, which improve the stall characteristics of an aircraft with only a negligible reduction in its performance, increase the radius of the wing’s leading edge and are attached so that there is a disruptive edge between the cuff and the wing itself. The effect of the cuff is to keep a stall from progressing from the inboard section of the wing to the outboard section.\nBoth the General Aviation Manufacturers Association and the FAA also believe in the importance of increasing the spin resistance of aircraft. In fact, the FAA argues that newer airplanes are less spin-prone, so there is less need for spin training. For that reason, Russell Lee, a private pilot and aeronautics curator at the National Air and Space Museum, thinks that obtaining a private pilot’s license should not require spin recovery training. He feels that many modern training-level and entry-level aircraft behave so well when operated according to the flight handbook that spin training to fly these airplanes is not necessary. “I think that in the vast majority of mainstream aircraft to which private pilots have access, there are simply too many clues designed into the aircraft to tell the pilot that he is headed for a spin,” says Lee. “Decaying airspeed is signalled not only by several instruments, but by a drop in wind noise and a drop in control pressures. Then there is pitch attitude change and stall warning—and all this happens before the airplane actually stalls. Most [modern training aircraft] types must then be held in the stall for some seconds to even fall off on a wing. To enter a genuine, full-rotation spin requires, in my experience with entry-level aircraft, aggressive use of pro-spin control movements such that the pilot has to purposely force the aircraft to spin.”\nLee has himself gone through spin training, and he says that it has made him a “better pilot, more prepared for unusual attitudes due to turbulence.” Though he doesn’t think spin training is necessary for beginning pilots, he does believe that once pilots graduate from entry-level aircraft to high-performance ones, they should get full spin training, or else they are putting themselves and those around them at risk.\nThough new aircraft designs improve spin resistance, there are pilots still flying thousands of aircraft with less spin resistance, and some of them are going to find themselves in deadly spins. The real question is whether any of these lives might be saved by spin entry and recovery training. The FAA’s 1976 study sends a mixed message, so perhaps it’s time for a new study with a larger, more statistically valid sample. In the meantime, I’ll go spin every now and then, learn all I can, and try to avoid being the one who makes that fatal mistake.", "label": "No"}
+{"text": "Last week the words of Rauschenbusch urged us to pray — a prayer of confession, not only for the sins that we commit but also for the sins of our fathers and the social constructs of which we are a part. This week, however, we want to ask the question, “What is prayer really good for?” Let’s go back to The Social Principles of Jesus, section III, of the chapter “Solidarity of the Human Family” to explore this question:\nDoes religion create social unity or neutralize it. Does prayer isolate or connect? Has the force of religion in human history done more to divide or to consolidate men?\nEvidently religion may work both ways, and all who are interested in it must see to it that their religion does not escape control and wreck fraternity. Even mystic prayer and contemplation, which is commonly regarded as the flower of religious life, may make men indifferent to their fellows.\nIt is worth noting that the prayer experiences of Jesus were not ascetic or unsocial. They prepared him for action…. When he went out from Capernaum to pray “a great while before day, ” it was to launch his aggressive missionary campaign among the Galilean villages…. Prayer is Christian only if it makes us realize our fellows more keenly and affectionately. (emphasis added)\nReligion, even the “flower of religious life” — prayer, is good for absolutely nothing if it does not lead to action. Why? Because for Rauschenbusch, and I believe he is correct here, prayer isn’t prayer — or at least not Christian prayer — if it does not lead to view our fellow humanity “more keenly and affectionately.” It is NOT Christian prayer if it does not lead to action.\nWhen our children were young and we would ask them to apologize for something they had done wrong, they would say, “I’m sorry.” Then we would ask them, “What does ‘I’m sorry mean?'” Their taught response was, “I won’t do it again.” Of course, by the time our son was five he had changed it to, “I’ll try to not do it again.” He knew the limits of his own humanity! Regardless, it was a confession that was intended to lead to change of behavior.\nAs Christians, it is good for us to pray for social justice, for racial unity, and to participate in confession of personal and corporate sins against “fraternity.” However, if these prayers do not lead to action then they are NOT Christian — they are not prayers at all. These prayers are good for absolutely nothing!\nI AM NOT suggesting that prayer is not important!\nI AM NOT suggesting that we shouldn’t pray!\nI AM SUGGESTING THE EXACT OPPOSITE! True Christian prayer is essential!\nI AM AFFIRMING the scriptural truth that prayer, that religion, that a relationship with Jesus Christ, should — must — change us and our actions! May we not forget that prayer like faith without works is dead (James 2:14-26).\nAt the end of Matthew chapter 9, Jesus called his disciples to pray for workers to go into the world. He pleads with them to pray that God would send messengers into a dark world with the light of the Good News. And what do Jesus and his disciples do at the beginning of chapter 10?\n“Jesus called his twelve disciples to him and gave them authority to drive out impure spirits and to heal every disease and sickness.” Matthew 10:1\nJesus calls his followers to pray. And then he calls them to answer that prayer!\nGod is calling us to pray for justice, to pray for righteousness, to bring the light of the Good News into the darkness of the world. And God is calling us to be that light, that righteousness, that justice.\nI know the limits of my own humanity, however. I know that it would be naive for me to say, “I won’t do it again — I won’t ignore the plight of my fellow humans.” But I want to do better. I want to try to not do it again — to not ignore justice, to not ignore righteousness, to not bear the light of God’s Good News for all humanity. And so I pray. And I change a bit. And I fail. And so I pray. And I change a bit more.\nToo often we are afraid of others taking away our right to pray. It’s time for us to be concerned that our prayers are ineffectual because we do nothing about them!\n- How can you bring God’s light into the darkness around you?\n- How can you bring God’s light, righteousness, and justice to your Facebook feed?\n- How can you be the answer to the prayer of healing and fraternity in your country, in your neighborhood, in your home?", "label": "No"}
+{"text": "On 23 August 2010 around 13.30 hours the chestnut tree that Anne Frank wrote about in her diary fell down, together with its iron supporting construction.\nAnne Frank Tree\nIn the period of over two years (6 July 1942 to 4 August 1944) that Anne Frank spent in hiding in the secret annexe, nature and her longing for freedom played an ever greater role. Through a window in the attic that was not blacked out, Anne could see the sky, birds and the chestnut tree. She wrote about the tree in her diary three times, the last time on 13 May 1944: “Our chestnut tree is in full bloom. It’s covered with leaves and is even more beautiful than last year.”\nBuy the diary, other books, DVDs, museum catalogues and postcards!\nTo the online store\nThe tree, a white horse chestnut, was over 170 years old, and stood in the courtyard garden of number 188 Keizersgracht. It was one of the oldest chestnut trees in Amsterdam. When in 2005 it was found that the tree was suffering from a serious disease, the Anne Frank House decided, with the permission of the owner, to gather chestnuts, germinate them, and donate the saplings to schools named after Anne Frank and other organisations. Many Anne Frank Schools and other organisations and locations around the world have now been given a young tree. In 2009, 150 descendents of the tree were donated to the Amsterdamse Bos woodland park. After three years in quarantine, the last young trees from the Anne Frank House seedling project will now be planted in the USA.\nAn aerial view of the chestnut tree.\nFor many years the chestnut tree was cared for by Pius Floris Tree Care of Amsterdam on the instructions of Amsterdam City Council. The young trees have been grown on and cared for by Bonte Hoek Nurseries. Since 2008 the chestnut tree was safeguarded by the Support Anne Frank Tree foundation.\nAnne Frank tree support structure\nIntensive consultations between Amsterdam Central Borough Council, local residents, the Tree Foundation, the Anne Frank House and the owner of the garden where the tree stands led to an agreement on the maintenance of the chestnut tree. In April 2008 the tree was given a support structure, and its crown was anchored. It was hoped that in this way the tree would remain standing for a minimum of 5 to 15 years. The Support Anne Frank Tree foundation was responsible for carrying out these measures.\nTree with new support structure.\nTree has fallen\nOn 23 August around 13.30 hours the chestnut tree that Anne Frank wrote about in her diary fell down, together with its iron supporting construction. The tree broke off completely at a height of approximately one meter above the ground. Fortunately nobody was injured.\nThe fallen tree on 23 August 2010.\nRemoval of wood\nOn Thursday 26 and Friday 27 August the fallen chestnut tree will be sawn into pieces and removed. The Anne Frank House is not the owner of the tree, and therefore has no say in what will be done with the wood. The Support Anne Frank Tree foundation will concern itself with this: www.support-annefranktree.nl/. It is not yet known what will come in the place of the Anne Frank tree. A descendent of the tree will possibly be planted in the garden. For the time being, only the broken stump bears witness to the tree from which Anne Frank once found consolation.\nPassages from the diary\nAnne Frank wrote about the tree in her diary three times.\n23 February 1944\nThe two of us looked out at the blue sky, the bare chestnut tree glistening with dew, the seagulls and other birds glinting with silver as they swooped through the air, and we were so moved and entranced that we couldn’t speak.\n18 April 1944\nApril is glorious, not too hot and not too cold, with occasional light showers. Our chestnut tree is in leaf, and here and there you can already see a few small blossoms.\n13 May 1944\nOur chestnut tree is in full bloom. It’s covered with leaves and is even more beautiful than last year.\nQuotation from Otto Frank\nDuring a speech in 1968 Otto Frank described his thoughts when he read Anne’s diary for the first time:\nHow could I have known how much it meant to Anne to see a patch of blue sky, to observe the seagulls as they flew, and how important the chestnut tree was for her, when I think that she never showed any interest in nature. Still, she longed for it when she felt like a bird in a cage. Only the thought of the freedom of nature gave her comfort. But she kept all those feelings to herself.", "label": "No"}
+{"text": "The competency of the Child witness to give evidence depends on the capacity of understanding and consistency of the witness. It is also to be seen how far it fits with the rest of the witness and it is a matter of prudence to weigh the evidence of a child witness to be accepted by the Judge.\nWhere there is no preliminary examination. It is the recorded statement of a child which ordinarily furnishes sufficient material to Judge the competency of the witness. If the recorded statement of a child witness shows that he or she has a rational understanding, it can’t be wiped off merely on account of the absence of voir dire.\nA child of tender age may be allowed to testify if the Court is satisfied that he has the capacity to understand the questions put to him and give rational answers to those questions. The persons of seven or eight years have been allowed to depose if they were found capable of understanding the question and giving rational answers to those questions.\nIt is only a rule of prudence that there should be a record of the questions asked by the trial Court for ascertaining if the child witness understood the questions. The non-recording thereof cannot be gound for rejecting the testimony of a child witness if it otherwise appears to be reliable. Section 118 of the Evidence Act is in negative form and said that a witness of ten years shall be competent to testify unless the COurt considers that his tender age is likely to prevent him from understanding the questions put to him or from giving rational answers to these questions. A reading of the statement of the witness shows that he understood the questions put to him and gave rational to those questions. His conduct in running to the village and informing the other witnesses about the kidnapping provides sufficient strengthen this testimony and there was no reason to disbelieve him. In the first information report, it was mentioned that he had come to the village immediately after the kidnapping and informed the villagers about it. There could be no possibility of the witness being tutored to give the statement which he has given in the trial Court.\nIt was argued with a vehemence that the preliminary examination of a child witness is imperative and inadmissible. Admittedly, PW 1 is a child. Her age has been mentioned from 10 to 12 years in her statement. The statement does not show that any voir dire was made to judge her competency to testify. But the absence o voir dire does not render ipso facto the statement of a child witness admissible provided it cannot be gathered from the statement that he or she understood the questions and had given rational answers. Wher there is no preliminary examo=ination, it is the recorded statement of a child, which ordinarily furnishes sufficient material to Judge the competency of that witness. If the recorded statement of a child witness shows that he or she has a regional understanding, it cannot be wiped off merely on account of the absence of voir dire.\nIt is desirable that Judges and Magistrates should always record their opinion that the child understood the duty of speaking the truth and state why they think that otherwise, the credibility of the witness may be seriously affected, so much, so that in some cases it may be necessary to reject the evidence altogether. In the instant case, three test questions were put to the witness by the Sessions Judge, and her answers were recorded. No, where there is an indication available either in the Sessions Judge as to what opinion he had formed about the understanding capacity of the child. There is also no indication that it was evidence of this witness that cannot be relied upon for the purpose of sustaining the conviction.\nA child’s evidence is not inadmissible merely because no oath was administered to it. Under Section 115 of the Evidence Act, all persons are competent to testify unless the Court considers that they are prevented from understanding the question put the Court considers that are competent to testify unless the Court considers that they are prevented from understanding the questions put to them or from giving rational answers to those questions by reasons of tender age. Thus the only test of competency is the capacity to understood questions and to give rational answers. From the preliminary questions put to the witness and the answers given by her, it is clear that she was able to give answers though she did not understand the implications of an oath. There is nothing in her evidence that is adverse to her veracity.\nIn Varkey Joseph v. the State of Kerala, quoted in Sudha Karan v. the State of Kerala, it was held as follows:\n” It is very desirable that a trial Judge should preserve on record, apart from the evidence of a child witness in a case, the question be put to the witness in the preliminary examination and the answers which would help the appellate Court to come to the conclusion whether or not the trial Judge’s decision in regard to the competency of the child witness was right or wrong.”\nThe competency of a person to testify as a witness is a condition precedent to the administration to him of an oath or affirmation and is a question from his credibility when he had been sworn or affirmed. The Court is at liberty to test the capacity of a witness to depose by putting proper questions. It has to ascertain in the best way it can whether from the extent of his intellectual capacity and understanding he is able to give a rational account of what he has seen or heard on a particular occasion. If a person of tender years can satisfy those requirements his competency as a witness is established. The question of whether a witness has intelligence enough to understand the import and significance of questions or go give rational answers is not the same as the competency to testify, The Court has the discretion to form its own opinion whether a child witness has sufficient understanding to be qualified to be a witness. The questions of the capacity of the witness to testify are questions for the judge himself to decide.\nWhere there is no record of the Court’s opinion that the child understands the questions put to him but the Court proceeds to record the evidence, it must be taken that the Court considered the witness as competent to testify. There is no provision in law to ask preliminary questions to test the capacity of a child witness to testify, though it is always a wholesome course to be adopted. The object of such preliminary questioning is not to legalize the evidence but only to save the time of the Court not further progress in the examination of such of a child witness, if it is satisfied that the child witness is not a competent child witness. If, in fact, the child is examined as a witness, the best test of his capacity to testify is the evidence itself and the manner in which it is given.", "label": "No"}
+{"text": "By Stewart Fast, Queen’s University\nThere are now more than 18,000 grid-connected solar power generation sites in Ontario and more than 50,000 proposals for solar generation. Most of these sites are owned by individual households and some by community co-operatives like OREC. This is a significant change to the physical structure and ownership model of our electricity system. Instead of small numbers of very large electricity generation sites (e.g., three nuclear generation stations in all of Ontario) we see large numbers of very small electricity generation sites. In the past, the role of citizens in the electricity system was limited to being a consumer of electricity. Now citizens are pursuing the role of electricity producers.\nWhat does this mean for decision-making and coordination of the electricity sector? What new perspectives do these citizen-producers bring to the table? These kinds of questions relate to what academics and policy-wonks often call “governance.” Governance is a broad term. At a very general level it means social and economic coordination or the “steering” of society. Governance implies a shift away from government by the state to governance by both state and non-state actors. By introducing thousands of electricity producers into the electricity sector, the governance of electricity in Ontario may be changing.\nHere are three potential changes: (1) Increased energy literacy (2) Social license for new generation projects (3) More social cohesion and resilience in communities.\n(1) Increased energy literacy . North Americans use three times more energy and emit three times more greenhouse gas per capita than the global average. Yet, few Canadians are aware of even the most basic facts about energy. A 2012 Senate report found “a disturbing lack of energy literacy, awareness and sophistication amongst Canadians” and declares “… improving energy literacy … essential for our prosperity now and in the future.” There is evidence in the academic literature that ownership of electricity production leads to greater awareness of the patterns of energy consumption, to feelings of empowerment and to citizens taking climate change more seriously. Intuitively this makes sense. Producers estimate, measure and compare electricity generation quantities and sources as part of their new role. Energy coops like OREC often have education as part of their mandate. A concrete example is OREC’s project at the Samuel Genest high school which provides a real-time and hands on learning experience with energy production to high school students and their parents.\n(2) Social license for new generation projects. Ontario like other parts of the world faces severe problems around social acceptance of new electrical generation projects. From the cancelled natural gas plant scandal to a powerful social movement opposed to wind farms, Ontario energy planning desperately seeks legitimacy. Involving citizen-producers and energy co-ops like OREC may help to rebuild the trust and legitimacy of the planning process. In consultations conducted in 2013 by the Ontario Power Authority: Sixty-one percent (61%) indicated a preference to have their communities represented by citizens or community advocacy groups rather than the electricity utilities and local governments in energy planning. To a certain extent this is already occurring; in 2013 OREC joined with other community groups and solar businesses to advocate that regulatory agencies recognize planned regional transmission station upgrades. In other words, citizen-producers and energy coops are actors that are already engaged in a policy direction that the provincial government is pushing for: that is for regional actors take more responsibility for their own energy needs; be it new generation, conservation or transmission and distribution changes.\n(3) More social cohesive and resilient communities. Joint ownership of solar electricity generation such as the model pursued by OREC brings citizens together in a shared activity. It creates linkages between neighbours and serves to build social capital and cohesion in communities. Strong communities are more resilient to all types of hazards. Social capital and community resilience will the topic of an upcoming blog.\nHear more about OREC and implications for governance of the electricity sector on Feb 10 at the University of Ottawa.", "label": "No"}
+{"text": "General Situation of GM crops in Portugal\nPilot survey conducted by the Conservation Agriculture Association (APOSOLO, Portugal, www.aposolo.pt)\nAgriculture accounts for 2.5 per cent of GDP and employs 11.7 per cent of the workforce. Despite its overall importance to the economy, Portugal’s agricultural productivity remains lower than the EU average due to low sector investment, and limited adoption of new farming technologies and fertilizer usage. Crop production has also been impacted by severe drought in past years.\nOlives (250 200 ha); grapes (181 200 ha); maize (95 700); wheat (60 400 ha); potatoes (25 800 ha). A combination of abiotic (e.g., recurrent droughts) and biotic stresses (e.g., a range of insect pests and fungal diseases that affect olive and grape production) result in heavy yield losses and increased pesticide use.\nOngoing research on key agricultural crops focuses on in vitro propagation and marker-assisted selection to address production constraints. GM approaches are very limited. This is reflected in a very low number of experimental field trials for GM crops in recent years, which are predominantly carried out by the international private sector.\nInsect-resistant GM maize is approved for commercial cultivation since 1999. Portugal’s legal framework follows the relevant EU Directives, including those on labeling and traceability. In addition, there are detailed technical requirements for farmers producing GM crops, including mandatory notification of the State and adjacent farmers, and completing mandatory training. Autonomous regions, such as Madeira, have declared themselves “GMO-free”.\nExperiences of farmers\nInsect-resistant GM maize is grown in around 7 900 ha in 2011, compared to around 4 900 ha in 2010. The increased adoption is due to a higher overall maize area and severe corn borer attacks in previous growing seasons. GM maize farmers generally experienced higher crop yields and increased incomes per hectare. Farmers’ associations do not have a common position on GM cultivation. The Portuguese Farmer Confederation tends to support GM technology, while the National Confederation of Agriculture has a clear position against GM crops.", "label": "No"}
+{"text": "Home Page Sample\nIn a small party with people standing and talking in pairs, each member of a pair stands at a “socially acceptable” distance from the other and the two can hear each other without any trouble. However, if the density of people in the room increases, why does hearing become more difficult, and what does each member of a pair do in response? Why can a voice still be distinguished? You might notice these same effects in many other environments, such as a noisy restaurant or subway car.\nAs the density of people increases, the background noise of their conversations (sounds coming directly to you from them plus sounds reflecting from the walls and ceiling, as well as from other people) also increases. When the background noise becomes about as loud as the conservation you are having, you and your partner automatically raise your voices, an effect known as the Lombard effect, after Etienne Lombard who studied the phenomenon in 1911. Because all the other pairs of people have the same problem of hearing, they also raise their voices and so, you still have a problem hearing your partner. At some point, to avoid screaming, you and your partner step closer than normal (inside the “personal space” of one another). If someone quiets the party, say for an announcement, and then the conversations resume, the voice levels quickly (exponentially with time) return to their former values. The Lombard effect has been studied in some animals, such as birds that automatically raise the sound level of their calls when confronted with increased background sounds from other birds.\nIf someone were to record your conversation with your partner, using a single microphone, and then play it back later (in a quiet room), you probably would not be able to distinguish your partner’s words as well as you did when you heard them “live.” The difference is that, in person, you hear the partner with two ears---the slight delay between what the ears hear and the slight difference in sound intensities at the ears help you to distinguish your partner’s voice from the on slaught of other voices. The effect is dubbed the cocktail party effect. Being able to see your partner’s mouth motion and “bodylanguage” can also help you fill in for words or even for entire sentences that you did not hear clearly. None of these clues are available if you listen to a single-microphone recording of the conversation. Then you must use other clues, such as searching for intelligent thoughts or recognizable tones buried in the background noise. Being able to pull a conversation out of such background noise is sometimes too easy, such as when you can easily hear the voice of an audience member who was sitting near the recorder when a bootleg recording of a concert was made. Being able to recognize familiar sounds in a noisy background is used by some animals, such as a chick king penguin hearing its parents in the din produced by thousands of other nearby king penguins.", "label": "No"}
+{"text": "The integration of emerging countries into world trade, particularly China, has disrupted global trade and production chains. The Chinese and Korean examples show that this integration process is taking place in successive phases. Starting with a specialisation based on their comparative advantage, emerging countries then diversify their production before specialising again by moving upmarket and reducing their dependence on foreign inputs.\nThe integration of emerging countries, particularly China, into world trade has upended the trade landscape and global production chains over the last 30 years.\nTo illustrate this process, we can look at emerging economies through three distinct, but interrelated perspectives: (i) their level of integration into global value chains (proxied by the import content of their exports); (ii) the degree of specialisation of their exports; and (iii) their share of low-end versus high-end exports.\nAn analysis of international value-added trade data suggests that emerging countries followed a strategy of integrating into global trade in successive stages. Like China, these countries initially benefited from being specialised according to their respective comparative advantages in global value chains, before diversifying their production and exports and ultimately specialising again as they upscaled their manufacturing capabilities. This latter phenomenon has been accompanied by a movement up the value chain for these sectors of specialisation, a process called re-insourcing by which a country gradually lowers its dependence on the foreign inputs needed to produce such goods (electronic components, machines) by increasing the share of local manufacturing in exports.\nConsequently, the relationship between a country's level of integration into global value chains and its level of economic development does not appear to be linear. A trend towards re-insourcing certain stages of production of global value chains is currently under way in several emerging Asian countries, raising the question of what will come next for their integration.", "label": "No"}
+{"text": "Spirulina: the latest and greatest superfood yet? spirulina tablets: the most nutritious natural wholefood gram per gram in the world.\nSpirulina is a microalga native to alkaline lakes in hot climates. Spirulina is the most nutritious wholefood rich in natural vitamins (not synthetic), minerals and antioxidants and contains no sugars, and is low in fat, saturates and calories.\nSpirulina has large amounts of pro-Vitamin A necessary for good skin, eyes and the immune system. Spirulina contains Vitamin B12 necessary for the normal structure and function of the brain and neurological system.\nSpiralyne spirulina has many phytonutrients; it is 31 times more powerful than blueberries and 60 times more powerful than spinach.\nIf you compare the nutrients in Spiralyne spirulina tablets to other foods you will find it has;\n· 290% more calcium than whole milk\n· 830% more protein than tofu\n· 4500% more beta carotene than carrots\n· 8000% more iron than spinach \n(Based on a typical analysis of Spiralyne spirulina and the above foods).\nFurthermore, there is more antioxidant and anti-inflammatory activity in 3 grams of spirulina than in five servings of fruits and vegetables . It is for these reasons and others that spirulina is called a superfood and is said to be ‘the most nutritious natural wholefood known to man’.\nSpirulina can prevent malnutrition; an issue that doesn’t only affects poorer countries. Healthy eating is an issue that affects many of people in the U.K. The British Association for Parenteral and Enteral Nutrition estimate that at least 3 million people in the UK alone are suffering or at risk of malnutrition. Spirulina can help many people by ensuring their intake of many of the nutrients required.\nIn fact, spirulina’s remarkable nutritional properties have attracted interest from space agencies like NASA and the European Space Agency that have been researching spirulina to feed to their astronauts in space.\nSpirulina has other properties that are even more special; it contains a variety of antioxidants such as beta-carotene and C-Phycocyanin that inhibit the damage caused to the body (DNA, RNA and cell structures) by free radicals. A Japanese study on spirulina isolated a ‘new’ compound named ‘calcium spirulan’ that is highly effective fighting infectious diseases supporting the immune system.\nTo find out more about the remarkable properties of spirulina, please visit: http://www.spiralyne.co.uk\n Moorhead K, Capelli B, Cysewski G (2005), Nature's Superfood: Spirulina ISBN #0-9637511-3-1", "label": "No"}
+{"text": "The Roman aqueduct of Mytilene is one of the most important technical works of antiquity, probably dating to the end of the 2nd or the beginning of the 3rd century AD. It has strong elements of classicism which is why it was considered as “Hadrianic”. It was built to transport water from the springs of Olympus to the ancient city of Mytilene, on a route of about 28 km. It is estimated that it supplied the city with 127,000 cubic meters of water per day.\nThe project’s engineer was a real genius who achieved a continuous water flow over irregular terrain with different ground levels by bridging the valleys with rows of arches for the water conduits to be placed across. Sections of aqueducts and pipelines are still preserved at various points along the route.\nThe most impressive part of the aqueduct is the water bridge with its tiers of arches that survives in Moria,with a length of 170 m and a maximum height of 26 m. It comprises 17 pillars made of carved stone plinths, while the arches of the upper tier bearing the water conduit are made of solid brick. The pillars and tholites of the arches are of local marble.\nHowever, the monument’s long exposure to the weather conditions, its foundations resting on a torrent bed and particularly the recent increased seismic activity in the Lesvos region, have contributed to the deterioration of the aqueduct’s strength and stability. The recent earthquakes that hit the area caused the vault bricks of the central arch of the water bridge to visibly give way, resulting in the need for immediate measures to be taken to secure critical areas of the monument.\nThe response of the Ministry of Culture and Sports was immediate. By decision of Lina Mendoni, the Directorate for the Restoration of Ancient Monuments was financed with 90,000 euros to prepare a study for evaluating the condition of the aqueduct, its topographic documentation and photogrammetric mapping, as well as taking immediate measures to stabilize its structure.\nAt the same time, by a new decision of the Minister, the Lesvos Ephorate of Antiquities is being subsidized with 30,000 euros, to proceed with clearing the area, removing unsuitable and rusty scaffolding and fencing the monument. Lastly, as the monument is located on land not yet expropriated, the Ephorate of Antiquities in collaboration with the Directorate of Prehistoric and Classical Antiquities of the Ministry of Culture is preparing the expropriation file to be submitted immediately to the Central Archaeological Council for legal opinion.", "label": "No"}
+{"text": "We are at a history-shattering point of transition, where resources and energy will not be scarce, and will never again be scarce. In the past half century, humanity has developed technological capabilities which are now growing exponentially. The best known example is Moore’s Law: that the number of transistors we can put on integrated circuits doubles approximately every two years. In a cell phone, one person has at his or her fingertips more computing power than NASA used to put astronauts on the moon forty-four years ago. The only things holding us back are old thinking in the Malthusian mold that denies the possibility of technological solutions; and old ideologies of political economy that prevent us from reforming the financial and monetary systems for the common good and to pay for what we need to do.\nEconomics today is hopelessly confused by a myriad of definitions for “capital”, “wealth” and even “money”. An economy is simply how a society organizes itself to procure, produce, and distribute the material, non-material, cultural, and spiritual goods and services required to sustain and reproduce human life at ever higher levels of happiness, security, and well-being. All else are really superfluities. Therefore, the major concern of economics should be the nurturing and deployment of the human mentation required to find and transform the natural resources required, and managing the scientific and industrial structures required.\nIn other words, the development of science and technology.\nThe progress of human technology can roughly be summarized as moving ever further down 1) a spectrum of energy density and 2) molecular and atomic scale. From the rapidly diffused light and heat of burning wood twigs, we have progressed to concentrate fire in boilers, then in internal combustion engines, and are now mastering the techniques of directing and manipulating single molecules, atoms, and even photons. We can now perform surgery on genes, and arrange individual atoms. These technologies are all breathtakingly recent in the context of known human history.\nThe implications are enormous. Almost every economics textbook I have seen – and I have acquired quite a few and looked at many, many others for just this reason – begins with some definition or other involving the allocation of scarce resources. People who have suffered through an Econ 101 course know that scarcity is central to mainstream economic thinking. In the best selling textbook on macroeconomics, economist H. Gregory Mankiw writes near the bottom of the first page:\nThe management of society’s resources is important because resources are scarce. Scarcity means that society has limited resources and therefore cannot produce all the goods and services wish to have. Just as each member of a household cannot get everything he or she wants, each individual in a society cannot attain the highest standard of living to which he or she might aspire.I will put this as simply as possible: Mankiw’s and all other’s arguments that resources are scarce is a smokescreen that prevents us from seeing how rich oligarchs manipulated national economies. (Mankiw was George W. Bush’s chief economist, and earlier this year wrote a piece entitled “Defending the One Percent” – honest, not joking, that’s Mankiw’s title).\nThe typical environmentalist belief that the planet’s resources are finite falls right into this trap. What we consider as resources is defined by our ability to access and process them – in other words, our technology. As Peter H. Diamandis and Steven Kotler argue in their book, February 2012 book, Abundance: The Future Is Better Than You Think\nWhen seen through the lens of technology, few resources are truly scarce; they’re mainly inaccessible. Yet the threat of scarcity dominates our worldview.Thus, the most important economic activity human beings undertake is scientific research. But I am here to tell you that no economics textbook I have seen has ever discussed the overriding importance of scientific and technological development and deployment. They all, therefore, lack a sound foundation for actually assisting the human species in our task of surviving and thriving. Aluminum, for example, is ridiculously abundant. It is, after oxygen and silicon, the third most abundant element in the Earth’s crust, accounting for 8.3 percent of the world’s weight. Yet, until relatively recently in human history, the use of aluminum by humans was far more scarce than the use of gold or silver. It was not until 1886 that the Hall-Heroult process was developed, using electricity to extract aluminum from its ore, bauxite, and aluminum became cheap and plentiful. Diamandis and Kotler argue that\ntechnology is a resource liberating mechanism. It can make the once scarce the now abundant.But many progressives and liberals object that our world is overpopulated, and the planet simply cannot support a high standard of living for nine billion people. We are already using thirty percent more natural resources than the planet can sustain. Diamandis and Kotler explain example after example of new technologies that will solve this problem. Such as nano-engineered filters for making drinking water from the most heavily polluted sources, to new materials that will allow us to build photovoltaics without semiconductors, reducing the cost of solar energy by not one, but several orders of magnitude.\nJust as important – and as hopeful – as these new technologies, is the fact, demonstrated over and over and over again, that as a society becomes more prosperous, more economically secure, and healthier, the birth rate drops dramatically. In fact, the birth rate collapses. We have seen this happen in Britain and the USA in the mid-1800s, in Japan in the late 1800s, in South Korea in the 1960s, in Malaysia, Indonesia, Vietnam and India more recently. In a number of advanced industrial countries, such as Italy and Japan, the birth rate is now actually insufficient, and the populations of those countries are shrinking. Diamandis and Kotler write:\nJohn Oldfield, managing director of the WASH Advocacy Initiative, which is dedicated to solving global water challenges, explains it this way: \"The best way to control population is through increasing child survival, educating girls, and making knowledge about and availability of birth control ubiquitous. By far the most important of these is increasing child survival. In communities where childhood death rates hover near one-third, most parents opt to significantly overshoot their desired family size. They will have replacement births, insurance births, lottery births — and the population soars. It’s counterintuitive, but eradicating smallpox and vaccine-preventable disease and stopping diarrheal diseases and malaria are the best family planning programs yet devised. More disease, especially affecting the poor, will raise infant and child mortality which, in turn, will raise the birth rate. With fewer childhood deaths, you get lower fertility rates — it’s really that straightforward.\"What about water shortages? Only 2.7 percent of the water on the planet is non-salty and usable for human consumption. Right now, one billion people have no clean drinking water, and 2.6 billion people lack access to basic sanitation. Dean Kamen has developed a water distiller that recovers 98 percent of the energy it uses and can produce 250 gallons of sterile water per day. The power source is a Stirling engine that really can burn almost anything, such as rice husks. Others have invented machines that process human wastes and turn them into electric power.\nEnergy? In sub-Saharan Africa, 70 percent of people live with no access to electricity – yet one square kilometer of land soaks up from the sun the energy equivalent of 1.5 million barrels of oil. Deploy enough photovoltaics, and Africa has a huge surplus of energy it can export to Europe. University of Michigan physicist Stephen Rand discovered a way of creating magnetic fields one hundred million times stronger than what the known, accepted “laws” of physics had previously predicted was possible. The result of this research will hopefully be a way of making photovoltaics without semiconductors, reducing the cost of solar energy by not one, but several orders of magnitude.\nGlobal climate change? Diamandis and Kotler describe the SunShot Initiative by the U.S. Department of Energy\n….now funded the Joint Center for Artificial Photosynthesis, a $122 million multi-institution project being led by Caltech, Berkeley, and Lawrence Livermore National Laboratory. JCAP's goal is to develop light absorbers, catalysts, molecular linkers, and separation membranes-all the necessary components for faux photosynthesis. \"We're designing an artificial photo-synthetic process,\" says Dr. Harry Atwater, director of the Caltech Center for Sustainable Energy Research and one of the project's lead scientists. \"By 'artificial,' I mean there’s no living or organic component in the whole system. We're basically turning sunlight, water, and CO, into storable, transportable fuels — we call 'solar fuels — to address the other two-thirds of our energy consumption needs that normal photovoltaics miss.\" Not only will these solar fuels be able to power our cars and heat our buildings, Atwater believes that he can increase the efficiency of photo-synthesis tenfold, perhaps a hundredfold-meaning solar fuels could completely replace fossil fuels. \"We're approaching a critical tipping point,\" he says. \"It is very likely that, in thirty years, people will be saying to each other, 'Goodness gracious, why did we ever set fire to hydrocarbons to create heat and energy?’ “And what about the carbon we have already dumped into the atmosphere? Dr. David Keith at the University of Calgary has developed technology that actually removes CO2 from the air. Can the technology be scaled up to actually make a difference and undo the damage already done? With enough cheap energy, it probably can.\nTechnology is developing so fast, it is hard to keep up. I receive a newsletter on developments in photonics, and here’s a very small sample of recent news: November 23, 2013: Superconducting Detector Measures Single Photons\nA new superconducting detector array that can measure the energy of individual photons is seen as a likely successor to CCDs [charge-coupled devices] and other semiconductor-based detectors for the visible and near-infrared regions, which are starting to hit performance limits.November 14, 2013: Seeing A Photon Without Absorbing It\n\"What we have made is essentially a hyperspectral video camera with no intrinsic noise,\" said Ben Mazin, assistant professor of physics at UC Santa Barbara, of the array that he and his team developed. \"On a pixel-per-pixel basis, it's a quantum leap from semiconductor detectors; it's as big a leap going from film to semiconductors as it is going from semiconductors to these superconductors.\nAll current methods of detecting light share a common property: absorption and thus destruction of a photon. It has been a long-standing dream to be able to watch individual photons fly by without absorbing them. A team of scientists in the Quantum Dynamics Division of Prof. Gerhard Rempe at the Max-Planck-Institute of Quantum Optics has now for the first time realized a device which leaves the photon untouched upon detection.November 13, 2013: Researchers rewrite entire genome, add healthy twist\nIn the experiment, the incoming photon is reflected off an optical resonator containing a single atom prepared in a superposition state. The reflection changes the superposition phase which is then measured to trace the photon. The new method opens up the perspective to dramatically increase the detection efficiency of single light quanta and has important implications for all experiments where photons are used to encode and communicate quantum information. The key elements in the experiment are a single rubidium atom and an optical cavity.\nScientists from Yale and Harvard have recoded the entire genome of an organism and improved a bacterium's ability to resist viruses, a dramatic demonstration of the potential of rewriting an organism's genetic code.October 23, 2013: Study Finds Natural Compound Can Be Used For 3-D Printing Of Medical Implants\nResearchers from North Carolina State University, the University of North Carolina at Chapel Hill and Laser Zentrum Hannover have discovered that a naturally-occurring compound can be incorporated into three-dimensional (3-D) printing processes to create medical implants out of non-toxic polymers. The compound is riboflavin, which is better known as vitamin B2....This last reminds me of one of the most exciting developments Kotler and Diamandis discuss: the work of tissue-engineer Anthony Atala at Wake Forest University Medical Center, who led a team that modified a desktop laser printer to print with each pass one layer of stem-cell based specific tissue cells and were able to “print” a mini-kidney in a few hours. They don’t write how long the mini-kidney survived in the lab, but did mention that the organ was secreting a urine-like substance.\nThe researchers in this study focused on a 3-D printing technique called two-photon polymerization, because this technique can be used to create small objects with detailed features – such as scaffolds for tissue engineering, microneedles or other implantable drug-delivery devices.\nTwo-photon polymerization is a 3-D printing technique for making small-scale solid structures from many types of photoreactive liquid precursors. The liquid precursors contain chemicals that react to light, turning the liquid into a solid polymer. By exposing the liquid precursor to targeted amounts of light, the technique allows users to “print” 3-D objects.\nWe are at a history-shattering point of transition, where resources and energy will not be scarce, and will never again be scarce. A truly golden age of economic prosperity and bounty is closer than most of us realize, but we are quite literally killing ourselves by clinging to ideologies that were hammered out when famine was the norm, cholera swept away millions, and the average human being could expect to live only somewhere between 30 and 40 years. . We will soon be at a point that we can give every person on the planet a decent standard of living. Not the wasteful sol of the contemporary USA, but enough that no person, anywhere, for any reason, need experience hunger or cold or deprivation But, we have rich pricks who have poured billions of dollars into promoting and propagating the idea that poor people deserve the hardships and indignities they suffer.\nIt already is seen as a “structural problem” that our industrial systems are now so productive and efficient, that they cannot be a source of good, steady, well-paid jobs for tens or millions of people. So we’re supposed to now accept that because of this marvelous advance in human know-how and capability, tens of millions of people who can no longer find a well-paying factory job have to settle for the marginal wages of Wal-Mart or McDonalds? I refer people to thereisnospoon on DailyKos a week ago, The glorious, dystopian future envisioned by our libertarian masters, attacking Tyler Cowen who wrote to welcome a possible future in which 15% of the population “succeeds” and the rest must learn to get by on what they are provided by whatever welfare system society devises.\nWe are at the point where everything we need can be produced by only 20 to 50% of the population, depending on what country and its stage of industrial / technological development. So, we need to develop an ideology in which “structural unemployment” is not accepted as an excuse for hundreds of millions — billions, really — of people being left in poverty. We need, in fact, an ideology which does not accept poverty under any excuse. We have the means at hand to eliminate poverty and privation. Will we allow some the “freedom to believe” in ideologies that prevent us from doing so? I ask in retort: what right has anyone to “trade” hundreds of millions or even billions of dollars when we have such a bright future to build, if only we summon the will to finance it? There have been a few already who have warned about a future in which the rich are able to use new technologies to genetically perfect themselves and their offspring, while the vast majority of the human race is subjugated by new ideologies that will consequently be developed to justify the rule by a small class of the wealthy bio-engineered to be “genetically superior.”\nWhich brings me to my criticisms of Diamandis and Kotler. I see three problems with their book. First, they are completely wedded to neo-liberal market solutions, and appear to have no desire to challenge, let alone change, the status quo in the industrialized west which is increasingly under the boot of, as Pope Francis recently said, the new tyranny of capitalism. Any economic system must be run to benefit the general welfare. This was well understood at the time of the American Revolution, but it is now lost knowledge. Did you know that the words “capitalism”, “capitalist” and “capitalistic” do not appear anywhere in The Federalist Papers, let alone the U.S. Constitution? (There is a website where you can search the text of these documents, and I’ve done the searches).\nRather than challenging the rise of the global corporatist state and its inverted totalitarianism of manufactured consent, Diamandis and Kotler promote the charity work done by what they call the technophilanthropists, the info-tech billionaires like Bill Gates, who are funding much of the work of deploying these new technologies in underdeveloped countries, and who are also approaching the charity work they do from a largely neo-liberal market perspective.\nSecond, Diamandis and Kotler simply do not comprehend how large and ugly are the problems of greed, economic rent, regulatory capture, and the grasping rich. For every technophilanthropist trying to do good, there is probably more than one Jamie Dimon or David / Charles Koch doing no good (i.e., evil, according to the definition by St. Augustine). Diamandis and Kotler simply are not attuned to the fact that a new oligarchy has arisen that is destroying democracy and representative government. As the president of the New York Federal Reserve Bank, William Dudley, recently shocked Wall Street in a speech, there is an\nimportant problem evident within some large financial institutions—the apparent lack of respect for law, regulation and the public trust. There is evidence of deep-seated cultural and ethical failures at many large financial institutions.Finally, Diamandis and Kotler do not understand or simply did not discuss the problem, of who controls the creation and allocation of money and credit. The control of money and credit by a small clique of oligarchs, centered in Wall Street and the City of London, but including other centers such as the futures markets in Chicago, is the major obstacle to making forward progress against these existential problem. Simply put, our financial and monetary systems must be reorganized and reformed to serve the general welfare, instead of private gain.\nAn article in Scientific American two years ago projected a total cost of moving the world’s economies entirely off of fossil fuels at $100 trillion. There is enough solar energy hitting one square kilometer of desert in Africa to supply all the electricity needed - in all of Europe as well as Africa.\nAll we need to do is build the new industrial economies to harvest and harness this energy. The only things holding are back are old thinking in the Malthusian mold that denies the possibility of technological solutions; and the problem of paying for what we need to do. And to pay for what we need to do, we simply need to stop the speculators and usurers of Wall Street, the City of London, and the futures pits of Chicago, from misusing some $5 trillion in financing each and every day.\nSo, what future do you want to build? One in which we spend $100 trillion over the next decade or two to give everybody on the planet freedom from starvation, poverty, and illness? Or one in which financial elites are allowed to play games with $5 trillion every day? Do you want to build a future for which our children, and their children, will thank us, or curse us?", "label": "No"}
+{"text": "The results of collective US trials by Australian ag-tech development company Bio-Gene Technology (ASX: BGT) have confirmed the natural compound product Flavocide can control the Anopheles gambiae mosquito species which carries malaria and is increasingly resistant to commonly-used sprays.\nConducted at Purdue University’s world-leading entomology faculty which specialises in vector control, the trials showed that mosquitoes landing on a surface treated or coated with Flavocide were knocked down instantly.\nSeparate tarsal (foot) assay studies also helped identify compounds which may be effective for use in insecticide-treated bed nets and indoor residual sprays – widely considered the most effective means of controlling malaria mosquitoes.\nAt least 700 million insecticide-treated bed nets have been distributed in Africa this millennium.\nBio-Gene chief executive officer Richard Jagger said the findings signify a potential breakthrough in future mosquito treatment.\n“These results provide [us] with an opportunity to impact how the world manages the increasing threat of these vector borne diseases,” he said.\n“We look forward to presenting these data to key stakeholders in the field of vector control globally in order to help bring this technology to market.”\nDisease-carrying mosquitoes have proven to be increasingly resistant to synthetic pyrethroids – the insecticide class commonly used since the 1970s as a control mechanism.\nBio-Gene’s trials demonstrate Flavocide can be active against resistant populations of major species that carry diseases such as malaria, Zika virus and dengue fever.\nFlavocide is an insecticide (a nature identical molecule) based on a natural compound found in Australia’s eucalypt trees, which is rapidly toxic to adult mosquitos through body or foot contact.\nIts ingredients are believed to have a reduced impact on non-target species and is up to 5,000 times safer to bees by oral ingestion compared to other chemical products – notably neonicotinoids – which are generally associated with bee toxicity.\nMr Jagger said the product is among the next generation of insecticides developed to address global problems of insecticide resistance and toxicity.\nAccording to World Health Organisation figures, more than half the world’s population is currently at risk from vector-borne diseases, while globally there are more than 200 million cases of malaria.\nMore than 400,000 people die from the disease every year, most of them children under the age of five.\nZika virus has been declared a global health emergency, and death due to dengue fever has increased by a multiple of 30 in the last 50 years.\nIn 2017, the organisation reported that collectively, mosquito-borne diseases such as malaria, dengue and Zika cause over 700,000 deaths every year and are known to exacerbate poverty and prevent economic development.\nThe effectiveness of currently-used insecticides is diminishing due to mosquito resistance and Flavocide has been identified as a potential new product to address the issue.", "label": "No"}
+{"text": "The stages in the inflammatory response that follows a bacterial infection resulting from a cutaneous wound.\nClick on “Labels” to view them, and on or to play/stop the animation.\nWhen our skin is damaged, tissue lesions caused by a physical wound or a micro-organisms’ intrusion provoke an inflammatory response. This painful reaction allows sterilization of the wound, which…\nSubscribe now to read more about this topic!\nWhy some sharing tools are not available?\nEnroll your school to take advantage of the sharing options. Once registered, the links below will include activation codes.", "label": "No"}
+{"text": "With the outbreak of the coronavirus, Special Olympics wants you to stay safe. Washing your hands properly is just one way to help do that.\nIn the Expert Tip video series, Special Olympics athletes share their know-how on a range of helpful and popular topics.\nFor Global Handwashing Day, October 15, Nyasha Derere, a Health Messenger from Special Olympics Zimbabwe, shared these video tips on proper hand washing techniques.\n6 Steps of Washing Your Hands:\nStep 1: Wet your hands under running water.\nStep 2: Apply soap to your wet hands.\nStep 3: Wash your hands for 20 seconds (don’t forget to scrub between your fingers, under your nails, and the tops of your hands).\nStep 4: Rinse your hands well under the water.\nStep 5: Dry your hands.\nStep 6: Turn the water off with your paper towel.\nFor more information about the Coronavirus visit www.who.int/health-topics/coronavirus.", "label": "No"}
+{"text": "Medieval knights had the benefit of suits of armor to protect them at work. We dress for success but our up-to-date fashion does not protect us from the slings & arrows we may encounter in our workday. Nor do uniforms: in fact, if you wear a uniform, you may find yourself the target of frustration and anger. The bus driver deals with short-tempered commuters. Service staff in the restaurant deal with demanding customers. Customers deal with other customers – the pushy ones confront the polite ones.\nIn every form of interaction, there is a chance of misunderstanding, unmet expectations, or disappointment. There are situations that try us and people who frustrate us. We can maintain our personal balance in dealing with the situations and people by empathizing with them.\nEmpathy is a skill, much like any other. It may also be called a talent. What kind of skill? It’s a social skill. Some people are naturals; others appear somewhat clueless and need to learn. Merriam-Webster defines empathy as “the action of understanding, being aware of, being sensitive to, and vicariously experiencing the feelings, thoughts, and experience of another of either the past or present without having the feelings, thoughts, and experience fully communicated in an objectively explicit manner; also : the capacity for this.”\n“When we meet someone who is joyful, we smile. When we witness someone in pain, we suffer in resonance with his or her suffering,” says Matthieu Ricard (a French scientist, born 1946, who walked away from science in 1972 to devote his life to Buddhism.)\nThis example shows the wide sweep of empathy. Examples of empathy range from small gestures of everyday courtesy, to profound identification with a person or cause.\nWhen we empathize with someone, we identify with that person. It’s different from sympathy. When we offer sympathy, we are separate. When we empathize, we are joined.\nRegardless of where you work, you will come into contact with two categories of people: you co-workers and everyone else. You have an on-going relationship with your co-workers. You may have friendly connections with staff at the lunch counter, the coffee shop, your courier, the cleaning staff, suppliers, and your customers. Many people deal with customers in person, by phone, email, or all three.\nCustomer service reps get trained in how to respond to frustration, aggravation, and even insults. The language they use contains words of apology: “I’m sorry. I apologize.” They say, “I understand,” and “I would feel the same.” They offer support, reassurance, and solutions. It may be the 12th such problem they have encountered that day, but they communicate concern, and a willingness to help out.\nCustomer service reps know that concern is a key feature of service. They pay attention to the customer, show that they understand the issue, and offer solutions. What they are showing is empathy. You don’t have to agree. The essential element is to show that you are listening, and that you understand.\nEmpathy gets a lot of attention in today’s business world. Business leaders believe it is a valuable quality, which will improve the workplace, and as a result, help the business.\nThey are eager to climate of empathy in the workplace. One way of looking at it is, empathy opens doors that were previously shut tight. Empathy encourages communication; sparks creativity; and helps solve problems.\nEmpathy communicates respect and concern. Empathy requires time to pay attention to another person. Listening is one of the keys that unlock empathy. When you are with someone else, do you listen to them? What are your thoughts? Do you hear what they say, or are your thoughts on what to pick up for dinner, or which movie to order?\nEmpathy is the impetus for change. It is the force behind many non-profit organizations. With the growing sophistication of social media, we develop connections with people far away.\nEmpathy is based on knowledge – our awareness of another’s circumstances. Empathy can be a force for change on a small-scale or a large-scale social change. It enables an individual to form relationships. We now have the technology to form relationships with people thousands of miles away. We can see what they look like, and how they live. Our awareness of the reality of others’ lives is one thing. That’s knowledge. Our identification with them motivates us to act.\nA brief search turns up many sites dedicated to making a difference, such as StartSomeGood, a crowd funding site “for non-profits, social entrepreneurs, and changemakers.” On this site, we learn “Empathy is so powerful that it can transform a faceless stranger, a statistic, into a unique individual with whom you now have a bond.” Corporations have their own initiatives, such as StartEmpathy at Ashoka’s Global Headquarters in Virginia. Crowd funding asks a little from many people. The combined efforts of many add up a significant resource.\nPutting the spotlight on empathy marks a change in focus for workplace culture. Have you been told, “That’s business,” when you discussed a negative happening at work? It may have been that someone got the promotion you were expecting. Your company may be downsizing, or someone has been let go, seemingly for no reason. The for-profit business world has a reputation for paying attention only to the bottom line. Even non-profits, while they have high ideals, may not always carry their high ideals into their own workplaces.\nPeople in the non-profit sector know how empathy helps them realize their goals of effecting change. It’s a powerful attribute. Even on a personal level, one individual can make a big difference. When many people join together, the effect can be earth-shaking.\nSuppose you want to harness some of this power in your own life. If you are wondering about where you rate on the empathy scale, you can choose from many tests available online.\nAnother strategy is to watch empathy in action at your own workplace. Pay attention to how people interact. There may be one person who remembers everyone’s birthday. Someone else may cover for an absent employee on short notice. Watch not only what people do, but the reactions. Are there particular things that improve the morale of staff and the workplace climate? Do you have your own ideas of actions you could take?\nYou can practice to develop empathy. Social skills make relationships flow along smoothly. Much like learning to tip, or paying a compliment, at first, you may feel awkward. As you practice, you become more adept. Some people may be more empathetic, but you can learn, and you discover what feels natural for you.\nThere are ways to practice outside of work, and you may want to start get involved in a volunteer activity. The more opportunities you accept to encounter other people, learn bout them, and also learn about other cultures, the more you will develop your capacity for empathy. Empathy brings rewards, and in the business world, contributes to individual and group success.\nThere is a downside that must be recognized. We hear about work/life balance a lot. Bringing fun into the workplace and creating a climate of empathy are ways to create work/life balance. However, just as fun is not one person’s job at work, so too empathy can’t be one’s person’s response.\nYou may hear about a personal or work-related problem. You are not required to solve the problem on your own. Depending on the circumstances, you may want to contribute in some way to alleviate a problem. At one small office, one staff member lived in the vicinity of an explosion at a fuel depot. Staff members contributed as they could to helping out her and her family.\nBeing empathetic and compassionate are positive attributes: kindness, patience, and sensitivity bring positive benefits, but they can also sabotage your career. If you are in a helping profession, you run an even greater risk of feeling overwhelmed, either by the demands of your clients, you co-workers, or both. Here is where that suit of armor comes in handy!\nIf you are naturally empathetic, you risk taking on too much. Customer service reps hear problem after problem; complaint after complaint. They listen, but they also wear that suit of armor. They do hear insults. They do get abused. They are trained but they still need to protect themselves or their jobs would be impossible.\nAs a truly empathetic person, you must find a balance within yourself, or risk being burned out. Remember the reason why you are at work: your job. You have a job description. If you find you are really having difficulty, you can to back to your job description to help you set a boundary.\nThe powerful aspect of empathy plays a role, especially for an individual. For the empathetic person sees how effective he or she has been in dealing with tough people and tough situations. It can be difficult to stay back, or let other people handle things. If you are in this situation, you may feel you are losing by letting go. It can be a big change for you to step back, even if you need to do so to preserve you own health and well-being. Many people don’t know when to quit – they work too hard, and end up suffering, physically, mentally, or both. It’s the same with empathy. Empathy is good. Water is good too – but not if you have two feet of it in your basement.\nWhen you are tuned in to others’ emotions, your own work can suffer. You may be distracted by people and situations that are not your concern. You may need to tune out, or turn the volume down, yet realize that you do not know how to do this. Your own feelings of concern for others blind you to your own needs. You may feel like helping, and at some point realize you have become the office “helper.” Here’s the reason why empathy is not just one person’s job: it’s too much for one person.\nEmpathy requires an action plan, the same as any other work-related initiative. If you are a business leader, and you want to climate of empathy in your workplace, realize that you need to provide support and resources. If these are not available, empathy can’t get established, and won’t play much of a role. It will remain a random, personal response, and it may be absent when it is needed most. People need to feel comfortable to respond appropriately in various situations. Those situations that require an empathetic response are often negative. It people are not prepared, and do not know how to respond, they may choose avoidance over empathy. This is not uncommon. “I just didn’t know what to say,” You hear. Or, “I didn’t know what to do.”\nIf you asked any supervisor, manager or leader what they wanted, they would say, “I want people to work together.” Some years ago a popular business buzzword was “synergy.”\nIt’s been awhile since we heard “synergy,” so we go back to Merriam-Webster. Synergy is “the increased effectiveness that results when two or more people or businesses work together.” That is exactly what we want! How do we get it? We’ve heard promoting empathy is one sure way.\nIt’s not entirely our fault we don’t empathize. At work, especially, many people are part-time, or on contract, or short-term, temporary workers. There may be few opportunities to interact with co-workers, or such interaction may have been discouraged. Also, when the society in general has a climate of loss – loss of jobs, loss of income, loss of skills, etc, people understandably focus on their own security. Factors in the workplace beyond make it difficult to empathize because we may not even know the people in the office.\nA non-profit organization with many contract staff hired a consultant to conduct a survey of employee concerns, and then set-up a committee to work on specific projects. One project was an open house, which gave staff and board members an opportunity to work together promoting the organization and the work of its staff and volunteers. Securing funding was an on-going issue, and the open house gave the organization an opportunity to acknowledge the support of its funders. The same organization celebrated its 50th anniversary by publishing reflections from past presidents. Another initiative was to collect stories from members about their work, which were published in a series. The stories helped spread the word about the work of the organization, its members, and also created stronger bonds between staff and the members.\nYour action plan for empathy at work—as with adding an element of fun to the workplace, creating a climate of empathy requires an understanding of the workplace culture, and choosing steps that will be acceptable to the staff. Make empathy visible. As with fun, staff needs to see empathy in action, and believe it is sincere, before they feel empowered to model this behavior.\nFor an individual, being empathetic helps built strong relationships. If you are not naturally empathetic, you can learn how to “turn it on.” If you are naturally empathetic, you may have to learn how to “turn it off.” Either way, you are learning how empathy can help contribute to your career success. You may still need that suit of armor, but it won’t have quite as many dents in it.", "label": "No"}
+{"text": "Many people don’t realize that there are specific time limits regarding federal criminal charges. The statute of limitations addresses the maximum amount of time that can elapse between the crime itself and the date on which the case against the defendant can be filed. Case don’t have to be finished within this time period; they only have to be started during it.\nThe purpose of the statute of limitations is to ensure that a person who is accused of a crime doesn’t have to devise a defense that might be challenging due to the length of time that passed since the crime. Evidence can be lost, witnesses can die, disappear or no longer clearly remember the event in question.\nMultiple time limits\nNot all federal crimes have the same statute of limitations. For the most part, prosecutors have five years to file criminal charges. Some notable exceptions include specific sex offenses, murder, any crime punishable by death and terrorism. These offenses don’t have a statute of limitations, so prosecutors are free to file days or even decades after the alleged crime is committed. Other exceptions also apply.\nBelow are some examples of statutory limitations:\n- Eight years – nonviolent terrorism if the same crime with violence is without a time limit\n- 10 years – immigration offenses, arson, crimes against financial institutions\n- 20 years – theft of artwork\n- 10 years to life of victim – cases involving sexual or physical abuse or kidnapping of a minor\nAnother exception occurs in time of war. If wartime fraud crimes occur, charges can be issued up to five years after the end of the war. While some clarifications have been made about this, it is unclear whether the clock only starts at the formal termination of war or at some other point.\nSuspensions of the time limit\nIt is possible for the clock to stop periodically on the time limit for filing federal criminal charges. This is the case if there is DNA evidence that needs to be analyzed before a sexual abuse offense can be prosecuted. It can also stop if there is an accusation about asset concealment in a bankruptcy case. The same is true if some of the evidence needed for the case is held overseas. Some variations also exist for conspiracy charges, as well as cases involving fugitives.\nNo matter what type of federal charge you are facing or think you will face, you need to learn your defense options and determine what is in your best interests. Learning your rights, including those set forth by due process clauses, can be beneficial in these cases.", "label": "No"}
+{"text": "Using a combination of sophisticated equipment and theoretical methods, chemists pictured the square of the wave function of H2\nScientists have been imaging electron wave functions for decades. However, attempts to image the wave function of molecules have failed to date, because the interactions between multiple electrons hindered the process. Now, a team of chemists has used electron correlations – interactions between electrons that affect each other’s properties – to their advantage, and managed to directly image the square of the wave function of a hydrogen molecule.\n‘There was simply no experimental approach to see the […] wave function directly,’ says Reinhard Dörner, a researcher at Goethe University in Frankfurt, Germany, and one of the lead authors of the paper. Dörner explains that serendipity played its part in this discovery. ‘[We] co-developed the technique that allows the detection a long time [ago], and used it for many other purposes.’\nTo picture the wave function of a hydrogen molecule the team first ionised it, then analysed what formed. The researchers then examined the angular distribution of the emitted electron – the probability distribution of which direction they fly off in. Then, they measured the kinetic energy of the remaining fragment (H2+). ‘After analysing the data of several experiments in different conditions, we managed to image the square of all the components of the wave function,’ explains Fernando Martín, a researcher at the Universidad Autónoma of Madrid, Spain, who led the computational studies. ‘Then we just had to combine them to get the full picture.’\nComputational researchers also encountered a happy coincidence. Martín says they were lucky to discover ‘a mathematical serendipity – the probability to ionise an electron with high energy photons coincides with the square of the Fourier transform of [its] wave function’. Nevertheless, ‘it took us more than seven years to achieve this’, Martín concludes.\nNúria López, an expert in theoretical chemistry working at the Institute of Chemical Research of Catalonia, Spain, says that ‘the present work sets out a robust pathway to improve our understanding of how [electron] correlation works’. She also believes it could pave the way for direct imaging of chemical reactions. ‘Probably photoreactions would come first, as these are closer to the setup employed,’ she says. López highlights the importance of harmonising experiments and theoretical work. ‘Simulations hold the key for understanding chemistry.’\nThis discovery could have further implications. Electron correlations are key to phenomena like superconductivity. If we could directly ‘see’ how electrons behave in these situations ‘it would probably allow us to solve the major riddle of high temperature superconductors’, concludes Dörner.\nM Waitz et al, Nat. Commun., 2017, 8, 2266 (DOI: 10.1038/s41467-017-02437-9)", "label": "No"}
+{"text": "Toxoplasma gondii is one of the most common pathogens to cause chorioretinitis (a posterior uveitis) in immunocompetent hosts. Immunocompetent adults with ocular toxoplasmosis can present with visual loss, especially if chorioretinitis affects the macular region. Floaters are often the presenting sign if chorioretinitis is extramacular. In addition, certain asymptomatic patients may have scarring noted on routine examination without evidence of active chorioretinitis.\nOcular disease can be due to acute infection or reactivation disease.\n●Acute ocular disease – Acute ocular disease can be seen in adults and is also associated with congenital infection. It is estimated that in the United States, about 2 percent of Toxoplasma-infected people develop chorioretinitis, which may not be recognized in the acute phase but found later as a retinal scar. Children with congenital toxoplasmosis can develop retinochoroiditis associated with visual impairment.\n●Reactivation disease – Those with reactivation disease are infected either in utero or postnatally. Patients with reactivation disease often have bilateral involvement, in comparison to adults with acute infection who typically present with unilateral ocular disease. Patients older than 40 years of age are at higher risk of recurrence than younger patients, and a relapsing and remitting course can develop after a prolonged disease-free interval. In immunocompetent hosts, reactivations are almost always chorioretinitis and not lymphadenopathy or febrile illness.\nIt is well established that T. gondii can be divided into different genotypes and that different genotypes differ in pathogenicity. This explains why acquired T. gondii infection in South and Central America has high rates of posterior uveitis compared with other geographic areas.\nDiagnosing ocular disease — Ocular toxoplasmosis should be considered in a patient who presents with visual loss or floaters. The diagnosis of ocular disease is typically suggested by findings on ophthalmologic examination and supported by serologic testing and/or aqueous humor analysis.\n●Exam findings – Findings on ophthalmologic examination usually include extensive iritis and vitritis, accompanied by whitish retinal lesions representing chorioretinitis. However, chorioretinitis and choroidal neovascularization may be masked by the vitreous inflammation and require angiography for detection.\n●Serologic testing – Serologic testing to detect the presence of IgM and IgG antibodies should be performed to support the diagnosis of ocular toxoplasmosis.\n●Aqueous humor analysis – Aqueous humor analysis (eg, polymerase chain reaction [PCR] or antibody testing), if available, can also be used to help diagnose intraocular disease if the diagnosis is unclear (eg, atypical exam findings and/or negative serology). The use of aqueous humor analysis was evaluated as a diagnostic method in 137 immunocompetent patients with posterior uveitis resulting from a suspected infectious etiology. Intraocular antibody production and PCR were used to test for a variety of pathogens including T. gondii, herpes simplex virus, varicella zoster virus, and cytomegalovirus. Of the 37 patients with positive results, 75 percent had evidence of toxoplasma infection; most were diagnosed using measurements of intraocular antibody production.\nTreatment — The decision to treat chorioretinitis depends upon several factors, including: the degree of inflammation; the patient’s visual acuity; and the size, location, and persistence of the lesion. The treatment of ocular disease should be done in conjunction with an ophthalmologist experienced in the diagnosis and treatment of chorioretinitis or uveitis.\nIndications — Patients with evidence of inactive ocular toxoplasmosis do not require treatment. However, we suggest antimicrobial treatment (with or without adjunctive steroids) for patients with iritis, vitritis, or chorioretinitis if the lesions have one of the following characteristics :\n●They are located within the vascular arcades\n●They are adjacent to the optic disk\n●They are larger than 2 optic disc diameters\n●They have an atypical presentation\nWe also treat individuals infected in South or Central America with a more pathogenic strain of T. gondii.\nAlthough most cases of active ocular toxoplasmosis resolve spontaneously over the course of four to eight weeks, limited data suggest that systemic antimicrobial therapy (with or without glucocorticoids) is associated with a reduction in active retinochoroiditis and/or improved vision. As an example, 149 patients with ocular toxoplasmosis were evaluated in a prospective multicenter study. Patients with central lesions were treated with one of three different antimicrobial regimens in combination with glucocorticoids, whereas those with peripheral lesions did not receive systemic therapy. Approximately half of the 35 patients treated with a pyrimethamine-containing regimen had a reduction in the size of the retinal inflammatory lesion compared with 20 percent (8 of 41) who did not receive systemic therapy.\nAntimicrobial therapy for ocular disease — Ocular toxoplasmosis is treated with similar agents as those used for systemic disease. The duration depends upon the clinical response.\nPreferred regimens — Our preferred regimen for nonpregnant adults with chorioretinitis is pyrimethamine (100 mg) plus sulfadiazine (2 grams) given as a single loading dose on the first day of treatment. This is followed by pyrimethamine (25 mg daily) plus sulfadiazine (500 mg four times daily) plus leucovorin (10 mg daily) for a minimum of six weeks.\nIf a pyrimethamine-containing regimen cannot be used, we administer trimethoprim-sulfamethoxazole (TMP-SMX; 160 mg TMP/800 mg SMX) twice daily for six weeks. After the first six weeks, we then administer therapy with one double-strength tablet taken every other day for one year. This suppressive regimen has been found to reduce the risk of recurrent disease.\nAlternative regimens — If a patient is intolerant to first-line regimens, we administer atovaquone (750 mg four times a day) in combination with pyrimethamine (100 mg loading dose followed by 25 mg daily) plus leucovorin (10 mg per day) for a minimum of six weeks. Atovaquone can be given alone if pyrimethamine is not tolerated or not available; however, it must be given for at least three months.\nAzithromycin 500 mg daily for a minimum of six weeks is another option. This regimen has been shown to be effective, but resolution of findings is slower than with the pyrimethamine-sulfadiazine combination.\nIntravitreal clindamycin (0.1 mg/0.1 mL) with one to three injections administered over a period of six weeks can also be used. The number of injections is based upon disease activity on examination. This regimen can be difficult for a nonretina specialist to perform.\nAdjunctive glucocorticoids — We administer glucocorticoids to patients with significant vitreous inflammation and retinal vasculitis to help preserve vision. There are no definitive data to guide the best way to administer glucocorticoids.\n●We typically initiate prednisone (40 mg once a day) three days after antimicrobial therapy has been started. We delay glucocorticoid therapy by three days to reduce the organism burden and minimize the likelihood that glucocorticoids will exacerbate the infection. This approach has been used in clinical trials evaluating different treatment regimens for ocular disease.\n●We continue the 40 mg daily dose until the inflammation clears up in the eye, and the posterior pole and vitreous normalize, which can take a few weeks. After that, we taper the glucocorticoids (eg, prednisone 30 mg for one week, 20 mg for one week, 10 mg for two weeks, 5 mg for two weeks).\nFrequency of follow-up — Patients on therapy require frequent ophthalmologic examinations to monitor the response to therapy. The frequency of follow-up depends upon the proximity of the lesion to the central vision. As an example, patients with central lesions should be seen at least once weekly.\nDuration of treatment — Patients with ocular disease should be treated for a minimum of six weeks. Ocular findings that support treatment discontinuation include resolution of inflammation and retinitis. Lesion activity and cessation of vasculitis on fluorescein angiography are also useful to help if determine if treatment can be stopped.\nThe ultimate duration also depends upon the specific regimen. Certain agents (eg, TMP-SMX, atovaquone monotherapy) require a longer course of treatment than others.", "label": "No"}
+{"text": "Elections and VotingU.S. Information | International Information | Nongovernmental Sources | Resources in the Catalog | Related Topics\nU.S. Government Information\n- Census Bureau Voting and Registration Tables\nThis site contains detailed data on voting and registration by demographic and socioeconomic characteristics.\n- Colorado Ballot Proposal Booklet (Blue Book) English, Spanish, and Audio\nThis provides access to the Blue Book Analysis of the statewide ballot initiatives in Colorado. It also provides information on getting an initiative on the ballot along with a listing of initiated and referred constitutional and statutory amendments since 1964.\n- Colorado Secretary of State Elections Center provides certified election results, a directory of registered lobbyists, and campaign finance database.\n- Election Assistance Committee (EAC)\nEAC is an independent, bipartisan commission charged with developing guidance to meet Help America Vote Act of 2002 (HAVA) requirements, adopting voluntary voting system guidelines, and serving as a national clearinghouse of information on election administration. EAC also accredits testing laboratories and certifies voting systems, as well as audits the use of HAVA funds. In addition, they also collect and provide links and statistics for research into election administration.\n- Election Statistics\n\"Since 1920, the Clerk of the House has collected and published the official vote counts for federal elections from the official sources among the various states and territories. These documents, out of print for many years, have been collected and scanned in a format to make them once again available to researchers and students.\"\n- Electoral College\nThis page from the National Archives and Records Administration (NARA) provides electoral college results from 1789, number of electoral college members by state and other information. In addition, the site provides citations to the relevant portions of the Constitution and federal law, a procedural guide for the Electoral College, and a list of frequently asked questions. As the states submit Certificates of Ascertainment and Certificates of Vote, NARA plans to post image copies of the documents. It is also providing links to official and unofficial counts from the individual states.\n- Federal Election Commission (FEC) \"In 1975, Congress created the Federal Election Commission (FEC) to administer and enforce the Federal Election Campaign Act (FECA) - the statute that governs the financing of federal elections.\" The FEC web site includes:\n- Campaign Finance Reports and Data\n- Campaign Finance Law and Regulations\n- National Mail Voter Registration Form\n- Library of Congress Election Collection- Web Archives 2000-2008\nThis collection was developed for the U.S. Library of Congress by the Internet Archive, and Compaq Computer, is now being made available as an Internet library containing archived copies of election related Web sites. Covers elections from 2000-2008\n- Secretaries of State and/or Directors of Elections\nThis Department of Defense page links to the department that handles elections for all fifty states.\n- Commission on Security and Cooperation in Europe\nBetter known as the Helsinki Commission. This Commission is an independent agency of the United States Government. Site includes narrative reports on key elections in European countries.\n- Inter-Parliamentary Union includes links to known parliamentary web sites by country, documents, lists of members, and ParLine: a database about national legislatures which includes:\n- General information on each of the Parliament's chambers\n- Description of the electoral system\n- Results of the most recent elections\n- Information on the presidency of each chamber.\n- Organization for Security and Co-Operation in Europe, Office for Democratic Institutions and Human Rights-Elections\nThis Elections page has a calendar of elections, as well as reports on monitoring projects undertaken by this group. It also has an election calendar, and results from monitored elections.\n- United Nations Electoral Assistance Division\nU.S. Information | International Information | Resources in the Catalog | Related Topics\n- ACLU Congressional Scorecard\nVoting records of the Congress on issues of interest to the ACLU.\n- ACE Electoral Knowledge Network provides comprehensive information on elections throughout the world.\n- American Presidency Project\n- Presidential Candidates Debates: 1960 - provides text transcripts of the presidential debates from 1960 forward.\n- Presidential Elections Data provides data on electoral and and popular votes of each presidential election from 1828 forward. Also includes a map showing how each state voted in every election.\n- Center for Responsive Politics (OpenSecrets.org)\nThis web site includes a race-by-race analysis of campaign contributions for the upcoming elections, congressional candidate profiles, and detailed analysis of major PAC contributions. The Personal Finance section includes copies of personal finance reports filed by the members of the House and Senate, the President, and selected presidential candidates.\n- CQ MoneyLine\nSearch campaign finance donors and recipients by name, zip code, city, state, employer/occupation, and year.\n- CQ Voting and Elections Collection CU\nThis database integrates a wealth of data, authoritative analyses, concise explanations, and historical material to help researchers investigate and understand voting and elections in America.\n- EISA is a non-governmental organization that promotes credible elections and democratic governance in Africa.\n- Elections Results Archive\nIncludes election results by country from Binghamton University's Center on Democratic Performance.\n- Initiative and Referendum Institute\nThis institute, at the University of Southern California, traces initiatives and referendums in all fifty states.\n- International Foundation for Election Systems (IFES)\n- ElectionGuide is an election calendar of upcoming elections around the world\n- International Institute for Democracy and Electoral Assistance\nProvides information on election laws, systems and administration in various countries. Has tabulations of this data such as voter turnout statistics.\n- Latin American Election Statistics\nThis resource put together by the Latin Studies Librarian at University of California, San Diego provides \"chronologies of elections since independence at the municipal, state, and federal levels and list sources of statistics for each election as identified.\"\n- League of Conservation Voters Scorecards\nThis site rates House and Senate members on votes related to the environment.\n- Money in State Politics\nFollow the Money database \"tracks contributions in all 50 states and makes this data easily searchable online.\"\n- Project Vote Smart\nThis site provides information on candidates and elected officials in five basic categories: biographical information, issue positions, voting records, campaign finances and interest group ratings.\nThis site contains lists of heads of state and heads of government from the 1960's to the present. (Historic information is available for selected countries.) Also includes a monthly \"chronicle\" of events: cabinet changes, elections, and other information. Includes selected international organizations\n- U.S. Congress Votes Database\nThis database (provided by the Washington Post) provides information of how each member of Congress has voted on bills since 1991. You can search by bill or Congress member. This site may require free registration.\n- Voting America United States Politics, 1840-2008\nThis page has maps and data on federal elections from 1840-2008.\nResources in the Catalog\n- The Library Catalog, Chinook\nThere are numerous secondary, federal, and international sources of information on welfare and welfare reform available in the collection.\nTry these searches to see some of the resources in Chinook , the library catalog:\nElectronic Resources Print and Electronic Resources election* and vot* election* and vot* voting rights voting rights campaign funds campaign funds election* and vot*\n(government publications only)\nelection* and vot*\n(government publications only)\nThe * can replace up to five characters.", "label": "No"}
+{"text": "As soon as temperatures warm up and the ground begins to thaw, mosquitos start to show up and lay their eggs. Typically drawn to standing water or damp areas, mosquitos are more prone to show up in shaded areas of your yard, or areas that do not dry out. Bird baths and other water features can also draw mosquitos, particularly if the water does not circulate.\nAccording to the American Mosquito Control Association, homeowners can reduce mosquito bites by scheduling their activities to avoid the times of day when mosquitos are most active, which is typically early in the morning or at dusk. Here in North Carolina of course, we all know that as the temperatures climb, one of the best times to be outside enjoying your lawn is in the evening when the sun begins to set.\nOther DIY solutions include using yellow “bug lights” outside, instead of incandescent lights that attract bugs, a fan to help repel mosquitos away from your deck area, or citronella candles or other candle producing smoke. The odds are, you have already tried many of these solutions to little or no avail.\nUsing pesticides to control mosquitos is effective. At Canopy Lawn Care, we guarantee the effectiveness of our mosquito treatments in the reduction of backyard mosquitos and their larvae. In fact, if our customers report seeing mosquitos after a treatment, we go back out and spray again at no charge because we are confident that it works. Of course, when it comes to mother nature…and neighborhoods or housing developments, there is really no guarantee that you will never see a mosquito. If you share a tree or shrub line with a neighbor and they are not treating their lawn for mosquitos, there is a chance you could still see some on occasion, but a professional mosquito treatment should drastically reduce the instance of mosquitos in your yard.\nThe pesticides that are used to treat mosquitos are approved by the Environmental Protection Agency (EPA). In fact, the EPA has regulated mosquito control since its inception. Mosquitoes feed on plant juices. When plants and foliage are sprayed in the yard, the mosquitoes ingest the applied solution and die.\nYour yard will continue to be safe for kids and pets to spray following a mosquito treatment. We recommend waiting 30 minutes after the spray application to allow the solution to dry. If someone does come in contact with the solution, simply wash it off with soap and water. There’s no danger, but some people have been known to get a rash.\nWould you like to learn more about our effective 9-treatment mosquito program? Fill out our fast, free quote form above or below this post today. We reply to most inquiries within 20 minutes or less and would be happy to answer any questions that you may have! Enjoy a mosquito-free summer!", "label": "No"}
+{"text": "Oldest Dog Turns Out to Be a Wolf\nSome of the oldest known 'dogs' have just been determined to be wolves -- so who were the first actual dogs?\nRemains of a supposed dog dating to 31,680 years ago actually belonged to a wolf, according to a new study that has canine experts completely rethinking the origin and ancestry of dogs.\nThe study, published in the journal Scientific Reports, says that domestication of dogs happened during the Neolithic era (10,200 B.C.-2,000 B.C.) -- when people began to farm and form permanent settlements -- as opposed to the Paleolithic era (2.6 million years ago to 10,200 B.C.) , when humans and their early ancestors were hunter-gatherers.\n\"Previous research has claimed that dogs emerged in the Paleolithic but this claim is based on inaccurate analyses,\" lead author Abby Grace Drake told Discovery News. \"We reanalyzed some of the fossil canids from the Paleolithic and show that they are, in fact, wolves.\"\n\"We did confirm that the Neolithic specimens Shamanka II (around 7,372 years old) and Ust'-Belaia (about 6,817 years old) are dogs, and therefore domestication took place by this time period or earlier,\" added Drake, who is an assistant professor of biology at Skidmore College.\nDrake and colleagues Michael Coquerelle and Guillaume Colombeau used 3-D computer imaging to study the 31,680-year-old fossil found at Goyet Cave in Belgium, as well as a 13,905-year-old fossil unearthed at a site called Eliseevichi in Russia.\nThe researchers then compared these fossils, which were previously identified via caliper measurements as early dogs, to other ancient and modern dogs and wolves. Features such as the muzzle and eye sockets were determined to be more wolf than dog.\nThe findings as a whole indicate that dogs did not gradually evolve from a wolf-like ancestor over a long period of time. Instead, Drake and her team believe that domestication of dogs likely happened \"quite quickly,\" and did not involve direct domestication of wolves.\n\"Wolves are far too dangerous to have around without adequate means of controlling them,\" Drake said. \"It is more likely that the initial stages of domestication involved at least several generations of wolves breeding in proximity to humans, lured by the 'dumps' that were present near the first permanent human settlements.\"\nRaymond Coppinger, a professor emeritus of biology at Hampshire College, calls into question dog domestication itself. He says that the words \"domestic\" and \"domesticated\" should not be confused.\n\"Domestic means living in the presence of people,\" he explained. \"The English sparrow lives almost exclusively in the presence of people, (but) nobody thinks humans domesticated them. Why, if dogs live in the presence of people, should anybody assume that people domesticated them?\"\nDog breeders, of course, have gone to great lengths to alter the appearance and even the behavior of dogs, but it could be, as Coppinger suggests, that the earliest dogs were more domestic than domesticated.\nCoppinger agrees that dogs were not around before the Neolithic, but he challenges the long-held belief that wolves or wolf-like animals were the direct ancestors of dogs. His speculation comes after 30 years of raising and taming wolves, which he says is a \"difficult process taking approximately 2,000 hours of arduous work.\"\n\"Why do we think it is the wolf that was the ancestor of dogs?\" he said. \"I have had pet coyotes, and there are hand-raised coyotes at Wolf Park in Indiana. There have been several studies done in Europe and Asia with hand-raised jackals, and famous cross-breeding experiments for 50 years with all the species of canids.\"\nHe thinks it is \"all romance\" that dogs evolved from a large wolf-like ancestor. It is more likely that dogs \"evolved from a small member of the genus Canis,\" Coppinger said.\nThe precise identity of that critical ancestor, for now, remains a mystery, since the new study could negate prior research on the common ancestor of today's dogs and wolves. The exact date and place where dogs became domestic, or domesticated, also remains unknown.\nNew analysis suggests that remains of a supposed dog dating to 31,680 years ago actually belonged to a wolf, like this one.", "label": "No"}
+{"text": "By Catherine Nalule\n21st February 2017\nSouth Sudan is currently the source of Africa’s largest refugee crisis. Since the beginning of the civil war in 2013, over 1.5 million people have been forced to flee their homes. Why has there not been sufficient media coverage of this crisis?\nSurely, the circulation of dead black bodies and warfare in Africa, is something the Western media has never failed to perpetuate. So why are so many people unaware of what is happening in South Sudan, and even more so, the severity of it?\nGaining its independence in July 2011, South Sudan is the world’s newest country. Before their succession, Sudan as a whole suffered civil wars lasting decades, most notably; 1955-72 and 1983-2005. With the latter civil war being a continuation of the former, it stands as the longest running civil conflict in history. Caused by political and ethnic tensions; the current civil war in South Sudan is not so different. In 2016, almost 350,000 people fled South Sudan into neighbouring Uganda alone. A total of 200,000 people fled Syria in the same year. Without demeaning one country’s refugee crisis for another, the crisis in Sudan is dire and must not be overlooked. Daily, an estimated 2,500 people from South Sudan are becoming refugees, often with stories of the turmoil. Perhaps by focusing on the more specific causes of the past civil wars in Sudan, we can gain a more profound understanding of the current crisis in South Sudan.\nPolitical Manoeuvres: the War of the Educated\nEthnic tensions have remained the forefront for reasons behind the violence within the Sudanese region. At least for the civilians. However, J.H. Jok et al. write about this wave of realisation among ordinary citizens; that this new form of warfare has “transgressed all the ethical limits on violence.” In short, up until 1991 when the SPLA (Sudan’s People’s Liberation Army – the army of South Sudan) split, the conflict was less aggressively centred around patterns of cattle raiding. However, once SPLA-Nasir formed (the split faction of SPLA), there was an increase of militarisation in South Sudan. This cultivated a rise of military assaults; intentionally killing women, children and the elderly.\nThe SPLA-Nasir, led by Riek Machar (former Vice President of South Sudan), and SPLA, led by John Garang (former Vice President of Sudan and former President of South Sudan), had been fighting a proxy war. Aside from any ethnic, economic or religious tensions, the fighting that has been ongoing since the outbreak of the second civil war has been politically motivated, by the politicians themselves. Jok writes about former SPLA Dinka soldier who explained how political differences were confined to the educated elites. They struggled for political backing, so by converting Dinka / Nuer conflicts from the above tensions to a political conflict, was in interests of the politicians.\n“Mixing political differences with economic competition, and emphasis to each group the danger presented by the other is the only way Riek and Garang can get us to fight their wars for them.”\nToday, Riek leads the Nuer dominated SPLA/M-IO (Sudan People’s Liberation Army / Movement – In Opposition) after being dismissed as Vice President of South Sudan in 2013, following coup allegations by current President Salvar Kiir Myarditt.\nAs a Dinka, Myarditt’s decision to dismiss key figures of the ruling party, who were mostly Nuer, saw to an imbalance of representation and increase in retaliatory, targeted, ethnic attacks in villages. A repeat of past events, with rival politicians causing those loyal to them to wage war, has resulted in the displacement of over 1.5 million refugees.\nUganda has welcomed almost half a million refugees since the outbreak of violence in 2013. Built in just six months, Uganda boasts the largest single refugee settlement globally, the Bidi Bidi. However, it’s the rapid growth of this camp that depicts the severity of the conflict in South Sudan.\nEthnic Tensions or Ethnic Cleansing?\nWhile the conflict has proven to be driven by political and (later) ethnic tensions, the growing number of refugees indicates that South Sudan may actually be facing a genocide. Displacement is targeted along ethnic lines. This is carried out through killings, abductions, rape, arson on homes and looting. By 2016, almost a quarter of South Sudan’s population had left their homes. A third of the country’s teachers have fled.\nFor a country that was only established six years ago, its crisis appears almost irrevocable. A lot more media attention is required to raise awareness of the region. While countries like Uganda are acting in accordance with their humanitarian duties, they don’t have the resources and capabilities to continue such an intake in the near future. The Bidi Bidi camp is now full, and another camp is already under construction in order to meet the pressing inflow of more refugees.\nWith neither international interest, nor adequate media coverage, one can go as far as to say that the brutality in South Sudan is being interpreted as permissible. The current feud between the political government and the armed opposition requires intervention from the international community. It has become unresolvable domestically. An entire race’s existence is at stake. Urgent help is needed as the number of refugees and deaths continues to multiply daily.", "label": "No"}
+{"text": "Have you ever wondered if there’s a relation between basketball and achieving success? John Wooden, a retired American basketball coach has made the connection through his famous “Pyramid of Success”.\nPyramids are known to be the most stable shape because of its strong foundation at its base. John Wooden used this analogy to describe the components in achieving success which is applicable not only in the field of basketball but also to almost any endeavor in life.\nAccording to his Pyramid of Success, there are five main traits which consist of the foundation to climb success. These are Industriousness, Friendship, Loyalty, Cooperation, and Enthusiasm. These five traits are positioned in such a way that Industriousness and Enthusiasm are the two cornerstones of the pyramid. As John Wooden says: “The first two blocks of the pyramid are the two cornerstones because to be strong, you have to have a strong foundation.”\nLet’s examine the base of the pyramid of success as what John Wooden teaches us:\nIndustriousness. There is no substitute for work. Worthwhile things come from hard work and careful planning. As the saying goes, if you fail to plan, you plan to fail. Or failure to prepare is preparing to fail. Success travels in the company of very hard work. There is no trick, no easy way.\nEnthusiasm. Your heart must be in your work. Stimulate others. Look for your passion and develop it more. If you are enjoying what you are doing, you won’t easily feel tired. Your energy and enjoyment, drive and dedication will stimulate and greatly inspire others.\nFriendship. It comes from mutual esteem, respect, and devotion. A sincere liking for all. Strive to build a team filled with camaraderie and respect: comrades-in-arms.\nLoyalty. Be true to yourself. Be true to those you lead. Keep your self-respect to yourself and all those dependent upon you.\nCooperation. Have utmost concern for what’s right rather than who’s right. Cooperate with all levels of your co-workers. Help others and see the other side.\nNow we go one step up in the Pyramid of Success and we can find Self-Control, Alertness, Initiative, and Intentness:\nSelf-Control. Control of your organization begins with the control of yourself. Be disciplined and set as an example. Emotions should be under control. Delicate adjustment between mind and body. Keep judgment and common sense.\nAlertness. Constantly be aware and observing. Be quick to spot a weakness and correct it or use it as the case may warrant. Always seek to improve yourself and the team.\nInitiative. Make a decision! Failure to act is often the biggest failure of all. Cultivate the ability to make decisions and think alone. Desire to excel.\nIntentness. Stay on the course and resist temptation. When thwarted, try again; harder, smarter! Persevere relentlessly. Concentrate on your objective and be determined to reach your goal.\nWe now go one step up again with Condition, Skill, and Team Spirit.\nCondition. Ability may get you to the top but character keeps you there – mental, moral, and physical.\nSkill. A knowledge of and the ability to properly execute the fundamentals. Be prepared. Cover every detail.\nTeam Spirit. An eagerness to sacrifice personal interests or glory for the welfare of all. The team comes first. The star of the team is the team, not you. ‘We’ supersedes ‘Me’.\nAnother one step up the Pyramid of Success are Poise and Confidence.\nPoise. Be yourself. Don’t be thrown off by events, whether good or bad. Be at ease in any situation. Don’t fight yourself.\nConfidence. it comes from faith in yourself in knowing that you are prepared. The strongest steel is well-founded self-belief. It is earned, not given.\nFinally, at the summit of the Pyramid of Success is Competitive Greatness.\nCompetitive Greatness. When the going gets tough, the tough gets going. Be at your best when your best is needed. Your best is needed each day. Real love is a hard battle.\nWhat if you still lose? No worries because as long as you gave all your best effort, you should have a peace of mind. As John Wooden says: “Success is a peace of mind which is a direct result of self-satisfaction in knowing you made the effort to become the best of which you are capable of.”", "label": "No"}
+{"text": "Synonym: convalescence, recuperation, retrieval. Similar words: economic recovery, recover, cover, uncover, cover up, coverage, over and over, record. Meaning: [rɪ'kʌvərɪ] n. 1. return to an original state 2. gradual healing (through rest) after sickness or injury 3. the act of regaining or saving something lost (or in danger of becoming lost).\nRandom good picture Not show\n1. Congratulations on your complete recovery.\n2. Her recovery was a special providence of God.\n3. The doctor said she'd make a quick recovery.\n4. The illness demoralized him and recovery took several weeks.\n5. Doctors expect him to make a full recovery.\n6. He made a remarkable recovery from a shin injury.\n7. She's made a miraculous recovery.\n8. His recovery is a miracle.\n9. She is on the road to recovery.\n10. His amazing recovery confounded the medical specialists.\n11. The doctors held out no hope of her recovery.\n12. The patient made a rapid recovery.\n13. Economic recovery is already underway.\n14. She made a miraculous recovery from her injuries.\n15. The owner has offered a reward for the recovery of the stolen goods.\n16. Unfavourable economic conditions were blocking a recovery of the American insurance market.\n17. Our main objective was the recovery of the child safe and well.\n18. Recovery after the accident will be a continuous process that may take several months.\n19. My father has made a full recovery from the operation.\n20. The horse made a mira-culous recovery to finish a close third.\n21. He has made a good recovery but still tires easily.\n22. For me(sentencedict.com/recovery.html), recovery has been all about finding my inner child and accepting her.\n23. The higher rates have been a hind-rance to economic recovery.\n24. We are confident in our expectation of a full recovery.\n25. There is now no possibility that she will make a full recovery.\n26. The Labor Department figures underscore the shaky state of the economic recovery.\n27. The country'seconomic problems are largely due to the weakness of the recovery.\n28. The prognosis after the operation was for a full recovery.\n29. The doctor was non-committal about my mother's chances of recovery.\n30. The patient has been in a coma for a week and doesn't seem to have any hope of recovery.\nMore similar words: economic recovery, recover, cover, uncover, cover up, coverage, over and over, record, very, recommend, every, recording, everyone, slavery, recognition, delivery, every other, every bit, in every way, every time, over, recommendation, receiver, everything, all over, oversee, be over, overall, get over, go over.", "label": "No"}
+{"text": "Sphinx carbon dating alexsandra ukraine dating\nFor those dynasties which left us almost nothing, like VII-X and XIV, Manetho is considered the most reliable authority, even though the lack of evidence has caused some to ask if those dynasties really existed.\nThis may be why Sir Alan Gardiner wrote that 'what is proudly advertised as Egyptian history is merely a collection of rags and tatters'.\nIt is said that Manetho's main goal was to prove to the Greeks that the Egyptians were the world's oldest people, but that he faced competition; Berosus was trying to do the same thing with his homeland, Mesopotamia, while the chief librarian of the Alexandria library, Erastosthenes, also claimed great antiquity for the Greeks.\nIt was Manetho who compiled Egyptian history into the thirty dynasties we are familiar with today.\nThe traditional sources for this study are: ancient records and inscriptions, radio-carbon dating and archaeo-astronomy.\nEach of theses methods has its own inherent problems associated to it as an accurate means of determination.\nRoyal Canon of Turin - This papyrus is the best known surviving chronology of the ancient Egyptian pharaohs, but is also the most damaged.The bulge of rock on the chest is all that remains of what may have once been a smaller sculpted figure.The 'Stella' (that dark rectangular monument) between the paws and in front of the chest was erected during the brief reign of Thothmoses IV (1420-1411 BC). Many Egyptologists accept this as evidence that Khafre built the Sphinx. Some time after it was excavated, the particular inscription in question flaked off and we now have only drawings. in a research project conducted by Mark Lehner in 1985-86.Egypt was an arid land before the time of the first Pharaohs.In recent times it has only taken a couple of decades for the Sphinx to be buried up to its neck by sand blown in from the desert, as can be seen in this photo from the 19th Century.", "label": "No"}
+{"text": "LA: Recall information from experiences or gather information from print and digital sources.\nLA: With guidance and support from adults, produce writing in which the development and organization are appropriate to task and purpose.\nLA: Engage effectively in a range of collaborative discussions with diverse partners on grade level topics and texts, building on others' ideas and expressing own clearly.\nSS: Describe the unique features of one's nuclear and extended families.\nSS: Identify and describe ways family, groups, and community influence the individual's daily life and personal choices.\nVA: Use visual structures of art to communicate ideas.\nVA: Identify specific works of art as belonging to particular cultures, times, and places.\nVA: Select and use subject matter, symbols, and ideas to communicate meaning.", "label": "No"}
+{"text": "Winter is on the way, and the coming season’s weather pattern represents a big question mark for transportation and logistics pros. We hear weathermen discussing whether we will have an “El Niño” or a “La Niña” year.\nThis winter has a 65% to 75% chance of continuing the La Niña conditions from last year. That means we can expect warmer, drier weather in the Southern band of states, and cool, wet weather in the North. The outlook for January through March shows a few areas of special concern for road warriors.\nWhat are El Niño and La Niña?\nEl Niño (“little boy” in Spanish) and La Niña (“little girl”) are opposite phases of complex weather systems that are influenced by sea surface temperatures in the central Pacific Ocean, near the equator. Fun fact: the name “El Niño” was coined by Peruvian sailors in the late 19th century because the weather pattern typically occurred during the Christmas season, according to National Geographic.\nWhen there is no El Niño or La Niña, the normal weather pattern features surface winds along the equator that move warm water from South America to the west, towards New Zealand and Indonesia. A warm pool of water develops in the western Pacific, which creates an area of low pressure, with cloudy and stormy conditions. As the storms move eastward, rain or snow falls on the ocean. By the time that weather pattern gets to the eastern Pacific near South America, the resulting high pressure leads to relatively dry, cool conditions and cooler water.\nLa Niña in the U.S. – Dry in the South, Wet in Northwest and Midwest\nDuring a La Niña event, stronger surface winds along the equator move warm water farther west than normal. This pushes colder water up to the surface of the ocean, off the west coast of South America. The colder water spreads westward along the equator, and sea surface temperatures drop in the central and eastern Pacific. High pressure forms off the South American coast, where drier conditions prevail. La Niña is the cold phase of the El Niño-Southern Oscillation (ENSO) cycle, due to the colder temperatures on the sea’s surface.\nBoth El Niño and La Niña peak during the winter, and both can significantly affect weather patterns around the world. With La Niña, the jet stream is pushed farther to the north. Drier conditions prevail in the South, with wetter conditions occurring in the Midwest and Pacific Northwest. Temperatures in the Southeast tend to be warmer with the Upper Plains being colder.\nEl Niño in the U.S. – Cold and Wet in the South, but Warm and Dry in Northwest and Midwest\nIn an El Niño year, the surface winds along the equator are too weak to push the warm water westward across the ocean. Instead, the warm water flows eastward on the surface, and it collects off the coast of South America. With higher sea surface temperatures in the central and eastern Pacific, low pressure forms, causing rain and storms. They move inland over the Americas. Since sea surface temperatures are warmer, El Niño is often referred to as the warm phase.\nDuring an El Niño, the warmer and wetter conditions in the central and eastern Pacific shift the jet stream eastward in the Northern Hemisphere. In the United States, this results in wetter conditions to the Southeast and Gulf Coast, with drier conditions in the Pacific Northwest and Midwest. Temperatures tend to be higher than normal in the northern part of the country, with cooler than normal temperatures in the South.\nExpect La Niña This Winter\nLa Niña conditions are most likely to prevail this winter, with warmer and drier weather in the South, but cooler and wetter weather in the North.\nWe had a La Niña winter last year, with atypical cold and snowfall in the Midwest, from northwest Ohio to northern Indiana and Illinois, up into Wisconsin and Minnesota. This year’s weather may not be as severe, but truckers will need to be aware of road conditions on Interstates 80 and 90 through those states, and there could be delays in and around Chicago, Indianapolis, Detroit, Milwaukee, and Minneapolis.\nLa Niña could also lead to a repeat of last year’s snowy winter in the Pacific Northwest, with heavier-than-normal rain and snow as far east as Montana. Interstate 90 runs through that area, as does I-5 in western Washington and Oregon.\nThere’s a bright side. Heavy snowpack in the Cascades and the Sierra Nevada range should set the stage for a more normal winter in California. Last year, extreme rainfall caused floods that delayed the planting season, but a more typical winter could lead to timely planting and harvesting, with improved crop yields in the spring. And skiers might enjoy above-average snowfall this winter in the Oregon, Washington, Montana, Wyoming, and Western Canada.\nRegardless of the long-range forecast, it’s best to be prepared for anything. Always carry chains, a shovel, and emergency supplies, especially if you’re traveling through the mountains. Even when you drive a four-wheeler, if it might snow in your area, keep a shovel and an ice scraper in your car all winter. Listen to weather reports and try to avoid routes that may be subject to closure.\nStay safe out there!\nGuest blogger Kevin Selfe holds a BSc in Meteorology from North Carolina State University in Raleigh. In addition to his meteorology credentials, Kevin is a professional blues singer and guitarist with Kevin Selfe and the Tornadoes.", "label": "No"}
+{"text": "Please answer the following questions in your own words to the best of your understanding. If you find evidence that is not from the Gordis text, please cite it in APA Style.\n- An investigator examined cases of fetal death in 27,000 pregnancies and classified mothers according to whether they had experienced sexual intercourse within 1 month before delivery. It was found that 11% of the mothers of fetuses that died and 2.5% of the mothers of fetuses that survived had had sexual intercourse during the period. It was concluded that intercourse during the month preceding delivery caused the fetal deaths. What guideline(s) did this researcher fail to take into account? Why is the conclusion reached by the investigator incorrect? (3 pts)\\\n- How would you relate association and causation? Are these terms the same thing? (3 pts)\n- How could an epidemiological study prove causation? Other than the examples in the book, can you discuss another example of how an epidemiological study proved causation? (3 pts)\n- Give examples of indirect and direct causation associated with experiences in everyday life. (3 pts)\n- Give an example of a time you experienced what you thought was causation, but turned out to be confounding. This could be an event that has happened to you or a news story that demonstrated confounding. (3 pts)\nPlease remember to number your responses appropriately", "label": "No"}
+{"text": "Wild swans at coole essay\nThe wild swans at coole by wb yeats: a detailed analysis the wild swans at coole summary of wild swans at coole the wild swans at coole analysis essay. Essays - largest database of quality sample essays and research papers on the wild swans at coole. Poetry commentary: the wild swans at coole by yeats essays: over 180,000 poetry commentary: the wild swans at coole by yeats essays, poetry commentary: the wild swans. Buy essays online the highest quality custom essays online are written here and delivered faster than any other essay writing service at affordable prices. 'the wild swans at coole' - w b yeats - a critical essay (english edition) ebook: david wheeler: amazonit: kindle store.\nDiscuss ways in which yeats explores a sense of loss in the wild swans at coole loss is part of the persistent and perpetual cycle of life, evident in the. Free the wild swans at coole papers, essays, and research papers my account search results free essays good essays into the wild synthesis essay. “the wild swans at coole” - poetry essay example the poem contains philosophical issues, for the author speaks about life in. Analysis of william butler yeats the wild swans at coole the wild swans at coole is a poem that tells the story of the passing of time and the.\nRead this english essay and over 87,000 other research documents poetry commentary: the wild swans at coole by yeats poetry commentary: the wild swans at coole by. Read the wild swans at coole free essay and over 88,000 other research documents the wild swans at coole the wild swans at coole literally, this poem is about a man. Yeats wild swans of coole - stanza essay example “the wild swans at coole” summary with the trees “in their autumn.\n- Wild swans at coole essay investment banking essays on the great editorial essay about smoking leonard woolf essays about love oedipus essay funny zoo essay on my.\n- In the swans at coole, yeats is preoccupied with change and how this change is related to the passing of time there is an initial sense of comfort, both observed and.\nWe are ready to represent the best custom paper writing assistance that can cope with any task like analysis of william butler yeats’ “the wild swans. 'the wild swans at coole' is a poignant and contemplative poem written by yeats typical of his spiritualistic and mysterious style it was written towards the end of.", "label": "No"}
+{"text": "Kick start refers to a method of starting an internal combustion engine (usually that of a motorcycle) by pushing a ratcheting lever with one's foot. Kick start mechanisms were almost universally a part of motorcycle engines before the mid-1970s, and were phased out of production over the next five years or so as electric starters became standard equipment for engine starting. There were some motorcycles produced that had both a kick starter and an electric starter.\nMany mopeds and scooters still carry both a kickstart and an electric start, the former being useful in case the latter fails, as scooter and moped batteries tend to be smaller and, as a result, run down much faster than other forms of automotive batteries. Also, it is usually not possible to push start a moped or scooter with automatic transmission.\nToday, dedicated off-road motorcycles and many ATVs use kick start systems due to the increased weight of electric starters. The majority of the cheap two-wheelers in developing countries also utilize kick start levers.", "label": "No"}
+{"text": "Canterbury Tales Essay, Research Paper\nIn Chaucer?s day women were thought of in lesser regard than men.\nTheir positions in the community were less noble and often displeasing. The\nCanterbury Tales, written by Chaucer, is about a pilgrimage to Canterbury.\nAlong with the narrator (Chaucer), there are 29 other Canterbury pilgrims. Not\nsurprisingly, only three of them are women: the Prioress, the associate of the\nPrioress, and the Wife of Bath. Each traveler is to tell two tales to make the\njourney to Canterbury and back more enjoyable. The Host, Harry Bailey, is in\ncharge of the group and will decide what is in the best interest of them all. Thus,\nthe journey begins as do the tales.\nEven though the times suggest women are weak and powerless over\nmen, Chaucer has a way of showing their capabilities through the stories.\nAlthough, their abilities are not always positive. Disguised in the form of love\nstories, Chaucer portrays how women easily lead men to their downfall. This is\nmost evident in the tales told by the Knight, the Miller, the Franklin, and the\nIn the Knight?s Tale, two cousins fall for the fair Emelye. They are both in\nlove with her after glancing at her from a prison tower. Not only has Emelye?s\nbeauty made Arcite and Palamon love her, but it has made them become hostile\ntowards each other. ?We strive as did the houndes for the boon: – they fought all\nday, and yet, hir part was noon; there came a kite, while that they were so\nwrothe that bare away the bone bitwix hem bothe. And therefore, at the kings\ncourt, my brother, ech man for himself – there is non other,? proclaim both (104).\nAfter Arcite is banished from Athens, he mourns his fate of never being able to\nsee Emelye again so much that his appearance drastically changes. He decides\nto return to Athens, under a pseudonym, where he will be able to see her again.\nMeanwhile, Palamon grows weak in the prison tower because he fears Arcite will\nreturn and capture his love, Emelye. Neither of the men have ever spoken to\nher or stood near her, yet they insist on fighting and grieving over her. Emelye\nclearly has mastery over these two men. Arcite states, ?…to Athens right now\nwol I fare! Ne for the drede of deeth shall I not spare to see my lady that I love\nand serve. In hir presence I recche not to sterve? (111). His willingness to die\nfor Emelye gives her command not only over his actions, but also over his life.\nWhen Arcite and Palamon are sentenced to battle for Emelye?s love, Palamon is\nbadly injured and Arcite dies due to an injury caused while riding his horse in\nvictory. A single woman has not only brought about a feud between related\nmen, but the injury of one and the death of another. When Emelye prays to the\ngoddess Diane she asks for the one who loves her most to wed her. Rather\nthan praying for a peaceful end and a restoration of the men?s friendship she\nseeks her own gratification. Through the series of events Chaucer implies that\nEmelye is to blame for the final outcome. She is the cause of Arcite?s death.\nThe Miller?s Tale is an obvious case of a man?s downfall being caused by\na woman. The scenario is about an older carpenter, married to\neighteen-year-old Alison, who takes in a young, handsome lodger named\nNicholas. Nicholas falls in love with the man?s wife and wants to pursue an affair\nwith her. Due to the jealous nature of the husband, they try to hide it from him.\nAlthough the plot is not at all innocent, the details of the adulterous couple?s\nactions makes the story even more scandalous. In order to be alone for a night,\nNicholas tells the carpenter that he envisions a flood that threatens Oxford. He\nthen urges the carpenter to fasten some boats to the ceiling of the house so he\nwill be safe when the flood comes. Nicholas instructs him to cut the ropes when\nthe water approaches so the boats will float. The carpenter is so oblivious to\nwhat is going on that he obediently does what Nicholas suggests. The ?…sely\ncarpenter beginneth quake; him thinketh verailich that he may see Noeh?s flood\ncome wallowing as the see to drenchen Alison, his honey dere. He weepeth,\nwaileth, maketh sorry cheere…and goth and geteth him a kneeding-trough, and\nafter, a tubbe and a kimelin, and prively he sent hem to his inn, and heng hem in\nthe roof in privitee? (178). He is put to suffer all for the sake of Alison and\nNicholas being together.\nDuring that night a series of humorous events occur which lead Nicholas\nto scream, ?Help! Water! Water! Help, for Goddes herte,? aloud (183). Upon\nhearing the shouting, the carpenter thinks that Noeh?s flood has arrived. He\nfoolishly cuts the ropes tying the boats to the roof and crashes to the ground. All\nthe neighbors come out to see what has happened and they discover that\nAlison?s husband has broken his arm with the fall. To add insult to injury, Alison\nand Nicholas claim that he is crazy and has prepared for a flood that he made up\nin his mind. The humiliation that Alison has put her husband through ruins his\nnobility. He is now thought of as a lunatic when in fact he was taking heed of the\nflood that Nicholas had warned him about. By way of The Miller?s Tale, Chaucer\nillustrates how women are accountable for the destruction of men.\nAlthough The Franklin?s Tale seems to be about chivalry and doing what\nis right, there is an underlying theme. Dorigen is without her husband for so\nlong that she becomes grief stricken and lonely. One day she decides to attend\na picnic where Aurelius, a man who is secretly in love with her, confesses to her\nhis undying love. She rejects his attempts and he becomes very depressed. In\norder to lift his spirits and at the same time crush them even more she says,\n?Aurelie by heighe God above, yet wold remove all the rockes, stone by stoon,\nthat they ne lette ship ne boot to goon. I say, whan ye han made the coost so\ncleene of rockes that there nis no stone y-seene, than I wol love you best of any\nman – have here my trouth – in all that ever I can? (350). Both know that the task\nis impossible to do. Thus, leading Aurelius into deeper despair. Her faithfulness\nto her husband is admirable, but at the same time it is causing the degeneration\nof another man. She is in a catch-22 situation. If she agrees to love Aurelius,\nshe would be betraying her husband who loves her very much. Yet if she stays\ntrue to her counterpart Aurelius slowly dwindles away. Either way she is the\ncause of a man?s ruin.\nIn The Nun?s Priest?s Tale, Chaunticleer is led to his near demise by his\nfavorite wife, Pertelote. After Chaunticleer dreams that a fox tries to seize him\nfrom the yard, he tells Pertelote about it. She denounces him for fearing his\ndream and calls him a coward. ?Avoi! fy on you, hertless. Alas, for by that God\nabove now han ye lost mine hert and all my love! I can not love a coward, by my\nfaith. For certes, what so any woman saith, we all desiren, if it might be, to han\nhusbondes hardy, wise, and free…ne him that is aghast by every tool, ne noon\navantour – by that God above,? proclaims Pertelote (245). Chaunticleer\nresponds to this with several examples of dreams revealing the future and\nsuggests to his wife that they speak of merrier things. Later on a fox named\nDuan Russel chases after Chaunticleer as he is innocently gazing at a butterfly.\nThe fox?s slyness allows him to capture the cock by telling Chauntincleer that he\nonly wants to hear him sing. If it were not for the commotion caused by all the\nhens in the yard Chaunticleer would have been killed by Duan Russel.\nPertelote?s refusal to comfort Chaunticleer in his time of need causes him\nto cast aside the warning in his dream. Perhaps if Pertolete had been more\nconcerned with her husbands welfare, instead of reflecting on his cowardice, she\nwould have advised him to be cautious since he is so distraught by his vision.\nHer own selfish interests almost had Chaunticleer killed.\nUltimately, these four stories in The Canterbury Tales depict how women\nare the cause of a man?s downfall. Although the roles are not positive, Chaucer\nhas given females a significant purpose in his book. Through these tales told by\nmen, it is easy to see that a woman?s superiority is not in government or in the\nwork field, but, most certainly, over a man?s nobility and life.", "label": "No"}
+{"text": "Erwin Rudolf Josef Alexander Schrödinger (12 August 1887 Vienna me - 4 January 1961 Vienna me ) ek Austrian Physicist rahaa. Uu quantum mechanics ke theory ke ek founder rahaa aur uske 1933 me Nobel Prize in Physics milaa rahaa.\nLife[badlo | edit source]\nSchrödinger went to the Academic Gymnasium from 1898 to 1906. Afterwards he studied mathematics and physics in Vienna and wrote his habilitation up from 1910.\nAfter the take-over of power by the Nazis, Schrödinger left Germany and got a new professorship in Oxford. In 1933 he was awarded the Nobel Prize. Three years later he returned to Austria and became professor in Graz. In 1938 he had to leave Austria, because the Nazis had taken over government. He went to Dublin and became director of the School for Theoretical Physics.\nIn 1956 he returned to Vienna and got a professorship for Theoretical Physics. He died of tuberculosis in 1961.\nImportant work[badlo | edit source]\nSchrödinger's most important work is the wave mechanics - a formulation of quantum mechanics, and especially the Schrödinger equation. He also worked on the field of biophysics. He invented the concept of negentropy and helped to develop molecular biology.\nOther pages[badlo | edit source]\nOther websites[badlo | edit source]\n- Biography in the Österreichische Zentralbibliothek für Physik (Austrian Central Libary of Physics)\n- Original sound from the Austrian Mediathek: Erwin Schrödinger, Was ist Materie?\n- Are there quantum jumps? (Schrödingers opinion on quantum physics 1950)", "label": "No"}
+{"text": "The effects of stress on blood sugar levels may become a detriment to your health. This is evidenced by many factors. Let’s take a look at some examples.\nStudies have shown that stress increases blood sugar levels. If you are having a bad day at work wherein you become overly stressed, you may not be able to eat lunch but instead opt for a candy bar. You may elect not to go for the usual walk during lunch, but remain at your desk. The stress increases and the blood sugar levels rise. Anything that causes stress on the body on a continual basis may contribute to higher blood sugar levels.\nOn the other hand, high blood sugar levels may indicate that you have diabetes. While a doctor can ascertain through blood tests whether or not you are predisposed to diabetes, this condition can also be hereditary. Thus, if you are under stress and blood sugar levels rise, you may find a host of symptoms associated with diabetes begin to emerge because the ability to keep blood sugar level under control is thwarted.\nThink about those times when you’ve felt emotionally drained because of a fight with a loved one, or the huge emotional impact of a major catastrophe such as a death in the family. Or perhaps you have just been working too hard and the physical stress has taken a toll on your body. The sugar in your system is there for a reason. It is an energy source that allows you to cope with a myriad of challenges. If your body cannot cope with the immediate problem, the more stressed you become the more your blood sugar levels rise.\nThe problem facing individuals with diabetes is that these same challenges can trigger additional health problems. For example, a person with Type 2 diabetes may become irritable if the blood sugar level is high. They may experience swelling of the ankles, bruising on the arms and legs, cardiovascular disease, and eye problems.\nA person with Type 2 diabetes has to control their sugar intake and avoid stressful situations. However, it is not always possible. We live in a stressful environment and for diabetics it is compounded by the fact that they have to constantly monitor their sugar intake through daily blood tests. They also have to engage in daily exercise, keep close watch on their diet, and avoid sweets and other foods which can elevate their blood sugar level.\nWe know that stress is the number one cause of many health conditions today, but according to the American Diabetes Association, “The good news is that the recently completed Diabetes Prevention Program study conclusively showed that people with pre-diabetes can prevent the development of Type 2 diabetes by making changes in their diet and increasing their level of physical activity. They may even be able to return their blood glucose levels to the normal range.”\nIn order to help prevent the onset of diabetes, it is important to engage in exercises that promote an inner balance and calm and help control stressful situations, such as Yoga, Tai Chi, Qi Gong, or other meditative methods.", "label": "No"}
+{"text": "Jewish men and black women dating site Mobile irc sex chat\nIt requires examining at least 3,000 years of ancient human history using documents in vast quantities and variety written in at least ten near Eastern languages.As archaeological discovery relies upon researchers and scholars from diverse disciplines, the goal is to interpret all of the factual data, focusing on the most consistent theory.as Judaism is the traditional faith of the Jewish people, while its observance varies from strict observance to complete nonobservance.Jews originated as an ethnic and religious group in the Middle East during the second millennium BCE, consolidated their hold with the emergence of the Kingdom of Israel and the Kingdom of Judah.\nThe etymological equivalent is in use in other languages, e.g., يَهُودِيّ yahūdī (sg.), al-yahūd (pl.), in Arabic, \"Jude\" in German, \"judeu\" in Portuguese, \"juif\" in French, \"jøde\" in Danish and Norwegian, \"judío\" in Spanish, \"jood\" in Dutch, \"żyd\" in Polish etc., but derivations of the word \"Hebrew\" are also in use to describe a Jew, e.g., in Italian (Ebreo), in Persian (\"Ebri/Ebrani\" (Persian: It is widely recognized that the attributive use of the noun Jew, in phrases such as Jew lawyer or Jew ethics, is both vulgar and highly offensive.with it being reframed as constituting the Israelites' inspiring national myth narrative.The Israelites and their culture, according to the modern archaeological account, did not overtake the region by force, but instead branched out of the Canaanite peoples and culture through the development of a distinct monolatristic—and later monotheistic—religion centered on Yahweh, one of the Ancient Canaanite deities.The Cyrus Cylinder, an ancient tablet on which is written a declaration in the name of Cyrus referring to restoration of temples and repatriation of exiled peoples, has often been taken as corroboration of the authenticity of the biblical decrees attributed to Cyrus, Professor Lester L.Grabbe asserted that the \"alleged decree of Cyrus\" regarding Judah, \"cannot be considered authentic\", but that there was a \"general policy of allowing deportees to return and to re-establish cult sites\".\nThe patriarchs' descendants were later enslaved until the Exodus led by Moses, after which the Israelites conquered Canaan under Moses' successor Joshua, went through the period of the Biblical judges after the death of Joshua, then through the mediation of Samuel became subject to a king, Saul, who was succeeded by David and then Solomon, after whom the United Monarchy ended and was split into a separate Kingdom of Israel and a Kingdom of Judah.", "label": "No"}
+{"text": "A slide show is a display of a series of chosen information, and/or pictures, which is done for artistic or instructional purposes.\nA slide show is a presentation of a series of still images on a projection screen or electronic display device, typically in a prearranged sequence. Each image is usually displayed for at least a few seconds, and sometimes for several minutes, before it is replaced by the next image. The changes may be automatic and at regular intervals or they may be manually controlled by a presenter or the viewer. Slide shows originally consisted of a series of individual photographic slides projected onto a screen with a slide projector. When referring to the video or computer-based visual equivalent, in which the slides are not individual physical objects, the term is often written as one word, slideshow.\nA slide show may be a presentation of images purely for their own visual interest or artistic value, sometimes unaccompanied by description or text, or it may be used to clarify or reinforce information, ideas, comments, solutions or suggestions which are presented verbally. Slide shows are sometimes still conducted by a presenter using an apparatus such as a carousel slide projector or an overhead projector, but now the use of an electronic video display device and a computer running presentation software is typical.", "label": "No"}
+{"text": "Mediation, often used in respects to the law, is defined as an activity in which a neutral third party, the mediator, guides and regulates structured discussion to facilitate reaching consensus on a disputed issue. Two parties, who have a difference of opinion and are in need of resolution, will often be asked to use a mediator to solve their problem. The neutral third-party’s intention is to then help the other parties resolve a dispute and come to an agreement. When one agrees to a mediator, it does not mean they are obligated to accept any proposed agreements.\nWhy is mediation used for dispute resolution over other channels? There are many reasons, they include:\n• It is often a less expensive route to follow. A mediator may charge a fee but the mediation process typically takes less time than moving a case through standard legal channels. A case in the hands of a lawyer and the court system could take months or even years to resolve while a case in mediation can typically achieve resolution in a matter of hours.\n• The process of mediation is a confidential process. Whatever happens in mediation remains strictly confidential, as opposed to a court hearing, which happens in public. During mediation, only the parties in dispute plus the mediator know what was discussed. Confidentially is so strict in mediation that the legal system cannot force a mediator to testify in court as to the content or progress of mediation. Most mediators go as far as to destroy their notes once mediation is finished. The only exceptions to such confidentiality are in cases that involve child abuse or actual or threatened criminal acts.\n• Mediation can offer multiple and flexible possibilities for resolving a dispute. In contrast, when a case is taken to court, the parties are often given a resolution by the judge or jury. In mediation, the parties have control over the resolution. Solutions are often those, which the parties have agreed upon mutually and discussed thoroughly, therefore they are often more creative and fair. Another benefit to having both parties agree to a resolution is that typically neither party must force compliance upon the other. Because both parties have agreed upon the solution rather than a judge, the chances that the parties will comply are much higher.\n• Coming to a resolution is often higher during mediation as both parties are agreeing to a mutual endeavor. Parties in mediation usually seek it out because they want to resolve a dispute. With both parties ready to move forward along with a willingness to understand each other’s underlying issues to the dispute, gives the added benefit of preserving the relationship the parties had before the dispute.\n• A good mediator helps both parties think outside of the box and reduce high emotions. Mediators are trained in conflict resolution and in working with difficult situations. The mediator will not give legal advice but guide both parties through the process of solving a problem. A mediator may or may not suggest alterative solutions to the dispute but help both parties come up with solutions on their own that suits each best.\nMediation is used in many situations, especially when it comes to parties who want to preserve their relationship. This can include family conflict such as divorce, premarital agreements, alimony, child support, family business, estate disputes and end-of-life issues. Mediation can also be valuable for conflicts in the workplace such as wrongful termination, discrimination, harassment, grievances and labor management. Landlord/tenant conflicts are often brought into mediation as well as homeowners association problems or contracts of any kind.\nWhile there are no guarantees a conflict will be resolved, mediation is often the preferred choice of the legal system.\n“Steven Medvin is the Executive Director of SMP Advance Funding, LLC, which provides lawsuit funding to individuals who need a lawsuit loan for pending lawsuits. For more information please visit: http://www.smpadvance.com”", "label": "No"}