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warc | 202143 | How to get rid of extra belly fat? No one likes having spare tires, the love handles, that bulge at the waist. It makes harder to wear your smart clothes because of the excess fat popping out on your sides.
In this article, I will share with you the things you can do to get rid of the extra belly fat so you never have to worry about it again.
Let’s first understand what it does to your physical health.
Visceral Fat and Physical Health
Part of the body fat that covers abdominal muscles—also called as visceral fat— is so dangerous that it increases your risk of diseases like type 2 diabetes and cardiovascular disease.
Carrying too much fat around one’s mid section has also been found to be a cause for the increased risks of other life-threatening conditions, one of which is cancer.
Because of this, getting rid of the excess belly fat isn’t just good for your vanity. It may even give you a longer, healthy life.
Why Belly Fat Is So Difficult to Lose?
Belly fat is the most stubborn fat to lose. Why?
(i) If the belly is the first place where your body normally stores extra fat, it will likely be the last place you lose.
(ii) Moreover, your body is designed to prefer to store fat in your waist area because it is easier to get to when you need extra energy. So, even if we take steps to lose weight, our body will try to retain fat in this area.
To outsmart stubborn belly fat, we need to work on a multi-faceted approach:
(i) Making some dietary changes
(ii) Performing exercises that help burn fat and target abdominal muscles
(iii) Changing unhealthy lifestyle habits
Diet Recommendations To Help Lose Weight and, Consequently, Belly Fat
Some dieticians claim that shedding fat from the middle is more about diet than physical activity. That’s welcome news for the people who are contemplating how to lose that excess weight without exercise.
Calories In vs Calories Out
The fundamental thing to keep in mind when it comes to shedding fat is that it is necessary to create a calorie deficit that is to eat fewer calories than your body expends. This compels your body to dip into the stored excess fat. Here is an online
calculator to determine your daily calorie needs.
By eating a lesser number of calories than what your body is going to use, you will eventually begin to trim waistline.
Foods To Avoid For Slimmer Waistline
There are also some foods that you should avoid if you’re aiming for a slimmer waist. Among them the main ones are:
(i) Sugary foods like ice cream, cakes and cookies.
(ii) Salty treats such as crackers and chips.
(iii) Foods made of white flour, including white bread and pasta
(iv) Processed foods (even those claimed as healthy foods like soups, which are usually high in sodium)
Instead Eat These Foods
Focus on eating whole, natural foods and healthy fats. They will not only help losing weight in general, but also to get rid of belly fat finally.
Focus on eating a clean diet, rich in vitamins and minerals. This will provide you the essential nutritional support needed to burn calories & shed fat efficiently.
Certain Eating Habits To Remember
There are certain eating behaviors that you can follow to get rid of extra fat from your midsection. Among them the main ones are:
(i) Eating slowly so you recognize the signal, as soon you are full and stop eating further.
(ii) Reading and understanding the labels to identify the concealed ingredients that you should avoid.
(iii) Engaging in mindful eating to help you control the portions size.
A point to be noted here is that diet alone does not guarantee a slimmer waist. Diet and exercise together will provide you better results.
Developing A Workout Plan To Trim The Middle
According to Research Study, physical activity can help trim down abdominal fat. Therefore, the best approach to shed fat from your midsection is to focus on both – diet as well as exercise.
A workout plan that targets abdominal fat should comprise of the following three components:
(i) Cardio exercises
(ii) Strength training exercises
(iii) Toning exercises
Best Cardio Exercise To Help Shed Belly Fat
Whereas any cardiovascular exercises can step-up the number of calories burned and help create calorie deficit, but HIIT (high-intensity interval training) is the frontrunner in this area.
HIIT involves performing short bursts of intense exercise followed by short periods of rest.
Here are some useful articles on HIIT:
Strength Training Exercises That Are Good For Losing Fat From Midsection
Strength training is an essential part of losing spare tires because it helps gain muscles. And more muscles means higher metabolism rate. The greater your metabolism rate, the more fat you’ll burn abdominal fat.
Though we can’t target specifically the fat that surrounds our abdominal muscles, working on our midsection is an efficient way to tighten that area, making it more toned as the belly fat is shed.
You can include following strength training exercises in you overall workout plan:
(i) Crunches – such as the crunches to tone the oblique muscles, pullover crunches for the upper abs and reverse crunches for the lower abs.
(ii) Side Planks
(iii) Woodchoppers
(iv) Russian Twists
Certain Lifestyle Changes
In addition to the above diet and exercise suggestions, here are some lifestyle suggestions that will help you burn more calories and trim fat at a higher rate.
(i) Drinking enough water has an important role too. This will not only help you feel fuller, but water supports optimal body function, which includes shedding excess fat.
(ii) Reducing stress is another important factor. When you’re stressed, your body enhances the production of cortisol. Cortisol will make difficult for you to lose the fat around your midsection.
(iii) Getting enough sleep is also necessary. Because when you are tired and want a quick way to wake up your body, you tend to over eat. Moreover, when you’re well rested, you are likely to perform better in your workout sessions.
How Long Will It Take To Get Rid Of Excess Body fat?
Don’t expect instant results as that will cause you take some drastic actions. Rapid weight loss has several negative effects. Let us be honest. It is going to take some time. However, if you stick to the above suggestions, eventually you will reach your goal. Better yet, this way you will be able to keep the excess weight off.
And if you are not able to shed fat after following the above suggestions, there could be some medical issues for which you will need to talk to your doctor.
: Renu Bakshi, AKA Fitness Buffhq, is ISSA Certified Elite Trainer. He passed Personal Fitness Trainer Course, Nutrition Health Coach course & Specialist Exercise Therapy course from ISSA, USA obtaining + 97% marks. He shares his experience and knowledge about nutrition and effective workouts to get you in the best shape of your life, no matter how old you may be. The author says: “For me age is just a number!” About Author | 7,068 | 3,290 | 14,875.024924 |
warc | 202143 | In this blog we explore how untreated trauma impacts our romantic relationships. First we will explore exactly what trauma is. There are a few different types of trauma, each with their own traits and characteristics. When a person experiences trauma as a single event, this is usually referred to as ‘acute trauma’. The symptoms of acute trauma come on within a few days to a month of the traumatic experience and result in feelings of anxiety, flashbacks, and sleep issues, such as insomnia or nightmares.
When trauma persists for more than a month and a person experiences anxiety, flashbacks, irritability, sleep issues, hyper or hypo arousal, and increased irritability, to name just a few symptoms, they can be said to have chronic trauma, or Post-traumatic Stress Disorder (PTSD).
When we experience trauma for a prolonged period of time, through a series of events, we may develop what is known as ‘complex trauma’ (also known as Complex PTSD or C-PTSD). C-PTSD is similar to PTSD, but is usually concerned with instances of trauma where the perpetrator or abuser was a close family member, such as when a parent or caregiver sexually or emotionally abuses a child.
All types of trauma mentioned above can harm our relationships with others and ourselves. If you are suffering from trauma, you will likely experience some of the following trauma-related symptoms
[1]: Anxiety Insomnia Irritability Impatience, restlessness Flashbacks, nightmare, intrusive thought and memories Dissociation, feeling disconnected from the body Emotional shut down, being unable to achieve goals and complete tasks Depression, frequent sadness Significant changes in appetite Perfectionism Poor concentration Engaging in high-risk behaviour Thoughts or intentions to harm yourself other people Trust issues Substance use to mask feelings A general sense of being unsafe in the world Withdrawal from friends and loved ones Worsening of pre-existing mental health conditions
Knowing the signs and symptoms of trauma is important information for those who suspect that their suffering relates to a traumatic event or events. If you experience a number of the above symptoms, it is advisable to speak to a mental healthcare professional.
Childhood Trauma and Romantic Relationships
A fact agreed upon by all psychologists is that our early childhood years and the environment we grow up in influences our relationships in adulthood.
[2] If we experience trauma as a child, this experience can contribute to the development of our attachment style, which then influences how we relate to others as we get older. When we are children, we look to our caregivers for information about the world around us. The way our caregivers respond to our curiosities and our needs thus informs our understanding of the world and how it works. Essentially, the information we learn from our relationships with our caregivers contributes to how we see love, relationships, and trust as we become adults. [3]
Whatever experience we go through with our caregivers in childhood, we will form an associated attachment style, and this attachment style will inform how we feel and behave in our adult relationships.
[4] Attachment style plays a role in many aspects of how we relate to others, how we deal with separation, how we argue, and our capacity for intimacy.
Though our learned attachment styles make a lasting impression, maladaptive attachment styles can be altered through awareness and therapy. If we take the time to address our early childhood issues and the thoughts, feelings, and behaviours associated with them, we can drastically improve our relationships to others and ourselves. Seeking support for maladaptive attachment can also help us to manage better conditions such as anxiety, depression, and PTSD.
[5] Attachment Styles
Below we have outlined the general attachment styles that we all experience. Consider the following to gain insight into your own attachment style, or the attachment style of someone you know.
Secure Attachment
Secure attachment is the ideal attachment style. People with a secure attachment style have usually had loving and supportive relationships with their caregivers. As a result, these people feel comfortable enough with others to be open and vulnerable and create lasting, healthy, intimate relationships. Secure attachment means that a person is unlikely to fear rejection or abandonment, and will have the ability to self-regulate their emotions.
Anxious/Preoccupied Attachment
An anxious/preoccupied attachment style usually develops when, as a child, we experience inconsistency in our relationship with our primary caregiver. The caregiver may in one moment provide us with a lot of attention and be highly responsive, and the next be cold and dismissive. In adult relationships, those with this attachment style may exhibit clinginess or neediness regarding intimacy and affection, and will be highly sensitive to shifts in the relationship dynamic. The fear of abandonment that characterises this attachment style may drive a partner away, making this fear a self-fulfilling prophecy in many cases.
Fearful/Avoidant Attachment Dismissive/Avoidant Attachment
Dismissive/Avoidant Attachment is also known as Insecure/Avoidant Attachment. This attachment style often occurs as a result of neglect from our caregivers. A person with this attachment style will avoid intimacy and closeness to preserve their sense of independence. Any threats to one’s sense of independence will be feared or met with frustration or irritation, and the person is likely to keep secrets from their partner.
Childhood Trauma Impacts our Ability to Trust
The experience of trauma can leave us with expectations of harm or betrayal in our adult romantic relationships. Trauma survivors, particularly survivors of childhood abuse, may feel highly vulnerable when it comes to relationships and may often feel confused about what is safe and appropriate, and what is not. As a result, it is extremely difficult to trust others enough to form and maintain healthy, mutually beneficial relationships.
Getting close to others is difficult because we may fear getting hurt, and if we do get hurt, dealing with that pain may be overwhelming, even devastating to our sense of self, as childhood trauma also compromises our ability to regulate our emotional states.
[6]
The deep need for intimacy for affection may be too much for a partner, who may then be driven away. An inability to be open and vulnerable may also drive a partner away, as we may be unable to meet their emotional needs.
Healing Trauma and Healing Relationships “History, despite its wrenching pain, cannot be unlived, but if faced with courage, need not be lived again.” – Maya Angelou
Healing is possible, but only when the truth is met with understanding and compassion and clients feel safe enough to explore their thoughts, feelings, and behaviours. In therapy, clients who have been through childhood trauma, and as a result have had their secure attachment ruptured, can be guided and supported in coming to a better understanding of their experiences and how those experiences are informing their present day relationships.
If you have a client, or know of someone who is struggling to heal from psychological trauma, reach out to us at Khiron Clinics. We believe that we can improve therapeutic outcomes and avoid misdiagnosis by providing an effective residential program and out-patient therapies addressing underlying psychological trauma. Allow us to help you find the path to realistic, long-lasting recovery. For information, call us today. UK: 020 3811 2575 (24 hours). USA: (866) 801 6184 (24 hours).
Sources [1] Substance Abuse and Mental Health Services Administration. SAMHSA’s Concept of Trauma and Guidance for a Trauma-Informed Approach. July 2014 [2] Orth, Ulrich. (2018). The Family Environment in Early Childhood Has a Long-Term Effect on Self-Esteem: A Longitudinal Study From Birth to Age 27 Years. Journal of Personality and Social Psychology. 114. 637-655. 10.1037/pspp0000143. [3] Ogden, P., & Fisher, J. (2015). Sensorimotor Psychotherapy: Interventions for Trauma and Attachment. New York, NY: W.W. Norton & Company, Inc. Accessed August 24, 2017 [4] Simpson, Jeffry A, and W Steven Rholes. “Adult Attachment, Stress, and Romantic Relationships.” Current opinion in psychology vol. 13 (2017): 19-24. doi:10.1016/j.copsyc.2016.04.006 [5] Fraley, R. A Brief Overview of Adult Attachment Theory and Research. 2010. University of Illinois. Accessed August 24, 2017 [6] Dvir, Yael et al. “Childhood maltreatment, emotional dysregulation, and psychiatric comorbidities.” Harvard review of psychiatry vol. 22,3 (2014): 149-61. doi:10.1097/HRP.0000000000000014 | 8,843 | 3,961 | 19,530.059076 |
warc | 202143 | Special Economic Zones and Their EffectsWhile Cambodia has introduced numerous policies in order to attract FDI, its Special Economic Zone (“SEZ”) policy is arguably one of the most instrumental measures in place. Governed by the Law on Investment, SEZs are geographical areas designated by the RGC within Cambodian borders where business and trade regulations differ from those that apply to the rest of the country. Featuring streamlined administrative procedures and high-quality infrastructure, the SEZs aim to facilitate export development, create employment, and promote diversification from traditional sectors through FDI. Surely, such investment-friendly environment has attracted significant FDI inflow and resulted in economic diversification to an extent, attracting a broader spectrum of foreign investment in Cambodia’s main industries.
Nevertheless, not all projected benefits of the SEZs may materialize. For instance, the RGC projects that the SEZs will, in the long-term, facilitate local development and disseminate technology to the rest of the Cambodian economy. However, according to the OECD, insufficient physical and economic infrastructure outside the SEZs may render such spillover benefits unattainable. Additionally, the OECD notes that Cambodia’s domestic small and medium-sized enterprises’ lack of capacity or skill to benefit and comply with certain international standards can deter foreign investors from engaging in business partnerships.
Moreover, experts and stakeholders have documented negative socioeconomic and environmental consequences. Despite some socioeconomic gains, real wages have not changed significantly while land values in the SEZs have increased. This suggests that landowners have disproportionately benefited from the SEZ program compared to the workers, exacerbating the current economic inequality in Cambodia. Furthermore, many SEZs are associated with biodiversity oppression driven by the proliferation of habitat destruction and black-market trades in wildlife products.
For more specific information regarding SEZs or any other topics pertinent to my briefing memo, visit https://opendevelopmentcambodia.net/.
PostludeAfter the first meal, lights are dimmed, in order to institute a relaxing atmosphere in which passengers can readily neglect time that is passing by ever so slowly. For many, this lighting seems operative of its intended effect, as they start drifting off, successfully entering the state best known for losing our sense of time. However, it still does not permeate its effect through the stubborn some, including myself, who are sleeplessly sitting through the ironic boredom of crossing the skies of multiple continents. With approximately ten hours left to go on this return flight from Incheon to Dulles, countless thoughts have already visited and left my mind in an attempt to divert my attention from this tedium. Although most thoughts were new or transient, the one regular that always pays me a visit in this setting surely didn’t forget to do so again this time. This visitor, as alluded in my third blog post, is the continued contemplation about my sense of “home.”
Perhaps it is the momentary placement of myself in this neutral zone—where I am not physically restrained by borders of any nation for approximately 14 hours—that enables a more impartial self-assessment.
As always, when I arrived at my childhood home and was once again in the presence of my family, I immediately sensed the unique familiarity and comfort that awaited. These feelings lasted through my entire stay in Korea and stayed behind once I set my foot on this plane. Undoubtedly, they had a different nuance from the familiarity and comfort that my Arlington residence induces in ways that are challenging to elaborate. Regardless, I know with certainty that my time in both places have constituted a significant portion of my identity, and both nuances have become parts of the feeling that I like to call home, equally. In this regard, maybe trying to designate a place to call home is futile. Maybe, the word “home” cannot be defined in the first place, like love or happiness, which are abstract concepts of emotions that contain meanings beyond the words of their definitions. So, maybe, what matters the most is the sense of home—something along the lines of a feeling of belongingness, comfort, and affinity that you yearn for after a long day or a journey. Despite its varying definitions, maybe this sense is universal. | 4,573 | 2,236 | 9,203.264758 |
warc | 202143 | As the concrete hardens the bubbles disintegrate or transform releasing the water which is absorbed into the cement matrix thus aiding in the hydration process and leaving air voids of similar sizes Thus there is less need to wet the concrete during curing as is normally necessary with conventional uned concrete
The cement used in the well cementing process is Portland cement and it is calibrated with additives to form one of eight different API classes of cement Each is employed for various situations Additives can include accelerators which shorten the setting time required for the cement as well as retarders which do the opposite and make the cement setting time longer | 683 | 391 | 1,187.826087 |
warc | 202143 | If you are not sure where or how to find information, struggle with referencing, need access to a computer, need a book or just a friendly person to talk to, come and see us at the library. We can help you:
If you have been asked to find academic, credible or peer reviewed information Library Search is a great place to start.
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Books and eBooks are good academic sources of information. They give a thorough overview of a topic, are usually well researched and have undergone a stringent publication and editorial process. This does mean they can take a long time to be published.
If you know the EXACT title of the book, enclose it in quotation marks, e.g. "The road to social work and human service practice"
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If you are looking for books on a topic use keywords, e.g. "mental health" AND "social work"
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Journals are scholarly publications published on a regular basis, that keep the academic community abreast of current research in various fields. If you can think of a topic, there is probably a journal somewhere that covers it. Each issue of a journal has several articles, written by researchers who want to share this research with their discipline. They are usually up to date, include the latest research and can be quality checked through a peer review process.
Journals at CDU Library can be found in Library Search. Filter by resource type of 'journals'.
Library Search is a simple way to search for information resources, including journal articles. But sometimes you will need to use the additional, discipline-specific features provided by specialist databases to find the information that you need for your assignments.
Subject-specific databases are ideal for searching the journal literature because they are tailored to a particular discipline, and therefore provide the ability to narrow your search in ways that wouldn't be possible in a general database or search tool like Library Search. They vary from each other on subject area, coverage, content types, geographical location, etc - so consider which database/s will be most likely to contain the kind of information you're looking for.
Sometimes a lecturer wants students to read a journal article that CDU Library doesn't have, or read a chapter of a book only available in print. It will be digitised and put into the Reading List for your unit, accessible via Learnline for students to read. If you can't find an article or book chapter in Library Search look in Reading List as it may be there.
Web Search Engines, like Google or DuckDuckGo can be used to find an overview of your topic, background information, keywords, similar terms or concepts, instructional videos and so much more, such as government and industry resources. Searching by keywords in Google will usually give a huge number of results.
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Never cite or reference Wikipedia in an academic paper. However it can be a good place to start your search:
Watch this video to learn the pros and cons of using Wikipedia.
You will need to evaluate the sources you find - are they suitable to use (and reference) in academic assignments?
Use these evaluation criteria to assess online resources:
Currency - when was the work published, is id out of date for the topic?
Relevance - is it detailed analysis, what is the readership level Authority - who are the authors and their credentials- is it peer reviewed? Accuracy - can you verity the source, are there other sources cited in the references? Purpose - is there bias in the work, is there are particular perspective?
Sage Research Methods Online is a research methods tool created to help researchers, faculty and students with their research projects. This site links over 100,000 pages of SAGE's renowned book, journal and reference content. Researchers can explore methods concepts to help them design research projects, understand particular methods or identify a new method, conduct their research, and write up their findings.
You can access Sage Methods Online through the library's databases. | 4,402 | 2,056 | 9,341.403696 |
warc | 202143 | The pregnancy weight loss program is a lot a great deal more calories or calory intake. The proper pregnancy diet have got to take into consideration incredibly more than calories. Proper nutrition is key, and, how that nutrition is delivered is essential.
This can keep your body’s weight in hand and your health in search. It is, of course, important not to over-do the exercise. You ought to make particular to stay in top condition during your pregnancy has will allow you lower your risk for a miscarriage likewise overall aide in reducing labor ramifications.
A pre-Pregnancy checklist is useful for any couple successfully navigating a pregnancy because probabilities of having a healthier pregnancy are compared to a couple who doesn’t plan to find a Pregnancy. A couple of so many pros using a planned currently being. When you arrange for a pregnancy it’s in order to conceive, also it have a normal functioning pregnancy and baby, get a less chance of having problems with your pregnancy, your labor and postpartum tough of a breeze.
Remember, are extremely say you’ll need to eat healthy, it covers everything a person simply put into your mouth. It should not just be limited for the choice of food.
I feel unusually tired, fatigued, and exhausted. Is often that one of the early indication of Pregnancy Course? While there could be other causes of these symptoms as well, such as a mild virus, diet, stress, etc., could indicate a person pregnant. Signs of low energy and fatigue usually arise from 1 to six weeks after conception, and they are primarily because of high varieties of progesterone, particularly hormone which can secreted an individual will be pregnant.
So, give yourself the best chance for success by setting realistic, but challenging requirements. For example, plan on losing 4 pounds in 30 days. Or, if lindemannmd ‘d becoming greater challenge, lose 8 pounds within month.
However, a few obvious methods a quantity of factors simple to ensure before trying to achieve pregnancy friction. Talk to physician. Let her or him give you the go ahead to have a massage. Tend to be high risk pregnancies some other conditions for hypertension, bloodstream pressure pressure or history of pre-term pregnancies which can adversely affect a woman’s body and lead to complications should the body isn’t treated everything needed. A doctor end up being able to resolve your questions and advice you for this reason. | 2,481 | 1,294 | 4,674.4034 |
warc | 202143 | Your Hair and Your Health are Linked
When your hair is shiny and full of life, there is a good chance your body is feeling the same. And when your hair feels dry and dull, I bet your skin and attitude are taking a turn, too. It’s no coincidence. Your hair and your heath are linked so be mindful of the products you use to wash, treat and style your hair. And let your hair be a queue that your health may be suffering.
Ever have your hair fight you when you try to style it? Or you cut your hair and realize that it’s not cooperating? Well, the cells in our body are interconnected and they might be trying to tell you something.
Scalp health can be linked to your body’s health. dry, thinning hair may indicate thyroid problems shedding might mean you are low in iron gray hair could be from stress flakes could be inflammation or yeast overgrowth But sometimes the reaction of your hair and scalp is a direct link to the products you are using and why you need to be wary of chemicals in them.
Take a look at the ingredients on your shampoo and hair products. Do you see things that have words ending in
or or contain -cone , propyl , and butyl ? These parabens can disrupt the endocrine system and can cause some havoc on your body. isobutylene
There are some toxic chemicals that are not good for us but also bad for the aquatic life.
can disrupt thyroid function and reproductive hormones because it is a antimicrobial pesticide. It doesn’t make sense to use a shampoo or soap that promotes the development of bacterial resistance. Triclosan
And anything that has
in it should be avoided. Mostly found in hair sprays, these chemicals may make hair soft or flexible. But they do a whole lot of disruption to the endocrine system and are thought to be linked to breast cancer and reproductive issues. The problem is they aren’t always noted as an ingredient, because they could be added to the fragrances. Most mainstream beauty products do not list all their ingredients because they don’t have to! phthalates There is good news for your hair and your health.
These organic and natural hair products will give you and your hair a bounce.
Rahua is a brand that is good for you, your hair and one that is dedicated to preserving the Amazon Rainforest. The brand is committed to clean, natural, vegan, organic products. The best part is the products smooth the hair’s cuticle and make the hair stronger. Truly Organic is environmentally friendly and dedicated to gentle, high-quality products. Yarok is founded by Israeli hair stylist, Mordechai Alvow, whose goal is to make a positive impact on hair health with the least impact on the environment. Reverie, by Garrett Markenson, is a botanically-based brand that is passionate about hair care, earth care, and social care. Acure is a family owned company that makes ultra-hydrating products that are free from chemicals, made of simple, pure ingredients that are designed to make you glow, shine and feel great. Neuma is designed to offer performance without sacrifice and my personal favorite! They pride themselves on exceptional style and results without sacrificing hair, health or the planet.
Your hair can provide great insight into your own wellbeing. And the way you care and treat it should be similar to the way you’d treat symptoms if you had a cold or became sick. And, if you have intolerance to food, make sure those ingredients are not in your hair products either, like gluten & soy.
We spend a fortune on our hair so look more closely on what your hair is telling you. The products you use on your hair will have a direct impact on your body’s health. But it’s also important to remember that the condition of your hair is also an indicator of your health and can help you to understand your overall wellness. If you are using high quality, non-toxic products and your hair is dry, brittle & broken, look into your gut or heavy metals. | 3,971 | 1,876 | 8,267.977612 |
warc | 202143 | Q Is it much too significantly to anticipate a 2-12 months-previous to decide up his toys? Our little fella, when we explain to him to pick up his toys, just stands there and appears to be like at us. We have attempted producing a recreation of it. We’ve tried out punishing. We’ve attempted bribing him with ice cream. Very little has labored. At most, he will decide on up 1 toy and put it the place we explain to him, but that’s it. Any ideas? A Take into account that by age 2, the standard child has currently acquired extra than 50 toys. Less than the situation, “perform” consists of producing a mess.
Practically nothing genuinely inventive is likely on, and on top of that, telling a toddler to pick up a chaos of toys that are scattered all more than the floor is akin to a person telling you to re-park 50 vehicles in a parking garage. It is complicated, which is why when you notify your son to select up his toys, he just stares at you. He depends on you to make sense of the planet and you are earning no feeling at all!
Even anticipating that only 10 playthings be picked up and effectively set absent is also mind-boggling for the ordinary 2-year-previous. Preserve in head that toddlers have issue concentrating on tasks that do not engage the imagination, which contains finding up a mess of toys. Punishing, bribing and striving to switch this into enjoyable and video games are workout routines in futility.
The remedy consists of managing the problem such that the undertaking is doable. That can imply only just one factor: giving a toddler entry to only the selection of toys he can, and will, select up. And how numerous is that? No more than one particular, initially.
Established up a “toy lending library” and make it possible for your son to “verify out” no far more than a person at a time. The library ought to be preserved in some relatively secure spot, at least until your son understands the plan.
He begins by deciding on a toy. When he is completed actively playing with that one particular, he simply provides it to you and exchanges it for another a person. Finally, the selection of toys he can check out at any supplied time can enhance to two, then a few. But until a youngster is at the very least 36 months of age, three should really be the restrict.
Mothers and fathers who use this method uncover that a toddler demands quite few toys. Three is additional than more than enough to maintain a toddler occupied throughout the day. It is undoubtedly paradoxical, but a toddler can play imaginatively with just one or two toys for a a great deal for a longer period period of time than he can engage in with 10. At a few toys, a toddler’s capability to make choices turns into confused, at which point he starts to whine and do other irritating factors.
Probably greatest of all, by advertising more time periods of impartial participate in, the “toy library” would make it doable for mother and father to take pleasure in reasonably lengthy intervals of uninterrupted time. Can not beat that.
Create to household psychologist John Rosemond at The Leadership Parenting Institute, 420 Craven St., New Bern, N.C. 28560 or electronic mail [email protected] . Thanks to the volume of mail, not every single issue will be answered. | 3,338 | 1,695 | 6,435.742773 |
warc | 202143 | How to build romances at work is normally something that everybody who cares about their career should know. For one thing, powerful teams are built on bonds of trust and respect. You can easily slip into a rut and lose sight of them basic precepts of healthy relationships. The value of Human relationships in the Workplace Major things you should find out about how to develop relationships at your workplace is that it takes more than great work to build an effective team.
Trust and respect will be two of the most important factors in building confident relationships. In case you and your coworkers can’t having faith in each other, then you certainly won’t look and feel safe posting ideas or perhaps talking to each other about what’s going on with the provider. In addition , university leaders need to show their students that they are trustworthy and can be trusted to impart expertise honestly. Without this foundation, students will certainly feel wary of sharing their thoughts or thoughts with their college leaders or peers, and they will more than likely try to avoid any type of communication with them. This can create a negative learning climate for school, rendering it tough with regards to teachers and also other professionals to help students study.
It is also critical to build interactions with the around you as well as those who are in a position of capacity over you. This includes administrators and managers, as well as these in positions of trust with your colleagues. As a business owner, it is crucial that you just understand that when you may experience ultimate electricity in your position, that doesn’t indicate you can abuse it. That means making sure you treat other folks with amazing advantages, even if you are definitely the only company owner in the office. A possibility this will arrive naturally as if you feel secure asking for support or communicating with other business owners at any given time.
When it comes to fundraising efforts, teams leaders must recognize that there are likely to be instances when they will need to add benefit to the relationships they build. If you are a service provider, for example , you may find that you can gain access to products and services that various other businesses typically offer, and by making it seen to other businesses you may help them advertise their products and services in your community. You can also make this happen by stimulating your customers to apply your services more frequently, and you can increase money for your own personel cause simply by advertising products and products and services you give through fundraisers. As well, an advanced investor, you might find that that other investors will probably be willing to offer you credit for your good function because of how much value that they see in you and the relationships.
Every single business owner has to develop great customer interactions. This is especially true when you expect your customers to purchase an item or company that you function. This is because as a business owner requires that you set effort into building these types of relationships. An individual always find the results that you might want, but the additional time https://elite-brides.com/asian-dating-sites and energy you put in into building a relationship with a customer the much more likely it is that they will end up being willing to purchase from you down the road. Therefore , a business owner must develop a strategy for promoting and marketing their enterprise in order to raise funds and make sales.
Building human relationships is very important for almost any business, significant or small , and local or perhaps global. It is actually especially important available for you as a business owner, because a sound relationship can make it easier for you to find the funding you need or the clientele you need to grow your organization. Therefore , if you need to be successful inside the nonprofit fund-collecting world start out early and create relationships. It is a only approach that you will be good at the fundraising world. | 4,123 | 1,892 | 8,925.902748 |
warc | 202143 | Two days from now is Election Day, which heretofore had been a demonstration of the majesty of American democracy. Her Majesty has been dethroned. Millions are wailing for a change in presidential leadership and millions of others demand that the current administration be granted another term.
We are an angry people who seem willing to fight over everything and anything. No issue is too trivial to demand someone’s cancellation. Has the current administration caused these seemingly irreparable angry divisions or simply revealed them? What is the pathway back to civil life?
Those who support Vice President Joe Biden do so in part because they believe that his decency and empathy can serve as a national healing elixir. I pray that this is the case, but I have deep doubts in his capacity to turn a lumbering ocean liner around with only a set of oars. The healing, if it is ever to occur, will have to come from within. And we have to want to be healed. If an angry person wishes or needs to remain so, then no change will be possible.
Oarsman-in-Chief
Consider these realities that will confront the next president.
An angry nation with deepening divisions. Seething partisanship in the government and in society at large. A pandemic that is oozing over the nation like hot molten lava. Economic collapse with more pain to come as the virus roars back. A stock market that may be poised to tank. Racial injustice and unrest. Cancel culture. Erosion in the integrity of many of our nation’s foundational institutions. Loss of trust in everything. Cybercrime, an untraceable scourge which causes damage, chaos and rising fear. Fractured foreign alliances. Aggressive actors on the international stage. Natural disasters. | 1,743 | 957 | 3,143.592476 |
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Overcorrection was a potential complication and in this retrospective study, one bunion deformity recurred but was asymptomatic. Metacognition as the ultimate executive: Techniques and tasks to facilitate executive functions. The interleukin 7 receptor (IL7R) has been recognized as a susceptibility gene for Multiple Sclerosis (MS). Defining the mimics and clinico-histological diagnosis criteria for mycosis fungoides to minimize misdiagnosis. This is especially true for developing countries where resources for treatment with newer agents (when they become available) are likely to be limited. On plasmacytomas (a contribution on the behavior of paraproteins in plasmacytomas). The functionality of the wsp promoter region was also successfully tested in Escherichia coli.
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We describe a case of chondroblastoma involving the metadiaphysis of the thumb. The two-hour marathon: genetics will become increasingly important. The radioindication method in the diagnosis of malignant neoplasms of the maxillofacial region. Clinico-endoscopic peculiarities of gastric ulcer of type I and II. Furthermore, subjects with GSTP1 Val(105)/Val(105) have four- and 10-fold lower risks, respectively, of exhibiting atopy defined by skin test positivity and IgE level. The tests included three crowded tests: logMAR Crowded test, the Sonksen logMAR test, and the Crowded Kay Picture test, and two single optotype tests: the Single Kay Picture and Sheridan Gardiner tests.
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Based on the outcomes of cardiac surgery and intensive care unit studies, the cost per life year gained resulting from the implementation of tight glycemic control protocols is less than 6000 dollars (highly cost-effective). NE suppresses process extension by serotonin cells in a reversible manner, and KCl does not have this effect. We provide evidence in this study that Fas ligand (FasL) as well as Fas is present on muscle cells and inflammatory cells in myositis biopsies: Fas is present on most muscle cells and lymphocytes, and FasL is present on degenerating muscle cells and many infiltrating mononuclear cells. An accidental case of delayed haemolytic reaction due to an anti-D allo-immunization in a patient suffering from multiple traumatic injuries allows us to define a procedure of emergency treatment towards non iso-Rhesus transfusions and the problems posed by the detection of acquired allo-antibodies. Even with decades of accumulated knowledge of renal physiology, pathophysiology, and pharmacology, the dynamics of renal function remain difficult to understand and predict, often resulting in unexpected or counterintuitive therapy responses. Comparison of Neisseria gonorrhoeae MICs Obtained by Etest and Agar Dilution for Ceftriaxone, Cefpodoxime, Cefixime and Azithromycin. We have measured pyridinium crosslinks, biochemical markers of bone resorption, in order to evaluate bone resorption in diabetes mellitus. When these effects are unopposed, for example during estrogen replacement therapy, they can lead to increases in weight and blood pressure. P42 was identified, at least in part, as mitogen-activated protein (MAP) kinase.
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Residual red marrow may represent a biologic variation of the normal adult pattern of red-yellow marrow distribution in women of menstruating age. Whether FGF-23 acts directly to induce left ventricular hypertrophy, potentially independent of its klotho coreceptor, remains uncertain. A self-completed questionnaire was given to 353 family physicians of the Toledo Health Area, asking about socio-demographic and occupational data, and including the Spanish version of the Diabetes Attitude Scale (DAS-3sp) questionnaire to evaluate attitudes and motivations related to diabetes. Then, the sample of Shuang-Huang-Lian was analyzed by on-line LC-MS(n). REST/NRSF governs the expression of dense-core vesicle gliosecretion in astrocytes. Based on the observation, salt tolerance of these species has been determined Acacia auriculiformis, Acacia hybrid, Achras sapota, Casuarina equisetifolia, Leucaena leucocephala and Tamarindus indica has showed the best capacity to perform in different salinity conditions. Our results demonstrate the ability to perform long-term in vivo imaging of fluorescence-labeled zebrafish embryos and to detect varied tissue behaviors in the cranial neural crest that cause craniofacial abnormalities. Our results show that VEGF and Flk-1 messages increase in parallel during normal lung development (d 13 embryonic to adult) and that the distal epithelium expresses VEGF mRNA at all ages examined.
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In both humans and mice, fetal exposure to radiation fails to induce a persistent increase in the frequency of chromosome aberrations in blood lymphocytes. The data sets consist of more than 3,300 blood cells in eleven classes, with more than 300 blood cells per class. Surveys originating from universities appear to have higher response rates than those from commercial sources. Perception of sweet taste is important for voluntary alcohol consumption in mice. Influence of curvature of response lines in antibiotic agar diffusion assays. Data from 57 women (ages 30-50 years) were used to observationally examine cross-sectional and longitudinal relations between body fat (from dual-energy X-ray absorptiometry), insulin, IGF-I, and IGF-binding proteins (IGFBP-1, IGFBP-2, and IGFBP-3). Gel electrophoresis in the presence of soluble, aqueous polymers: horizontal sodium dodecyl sulfate-polyacrylamide gels. However, because of thermal injury to surrounding tissue, diminished hair growth and slower wound healing also have been seen. Structure of chromosomal duplicons and their role in mediating human genomic disorders.
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Sequence of rat alpha 1-macroglobulin, a broad-range proteinase inhibitor from the alpha-macroglobulin-complement family. However, few studies of infants with tuberculosis appear in the literature. We extracted data in duplicate on the type of subjects, the dose and duration of the mecamylamine and nicotine treatments, side-effects of treatment, the outcome measures, method of randomisation, and completeness of follow-up. High amino acid uptake in a low-grade desmoplastic infantile ganglioglioma in a 14-year-old patient. Patients were chosen for the procedure if there was a blue footplate with minimal otosclerosis confined to the fissula antefenestram. The macrocyclization of the tetra-hydroxyphenoxy-substituted perylene bisimide 4 bearing two (R)-configured 2-octyl substituents in the imide positions by etherification with diethylene glycol ditosylate afforded both the diagonally bridged (1,7- and 6,12-linkage) and laterally bridged (1,12- and 6,7-linkage) regioisomers 6 and 7. Autopsy case of acute myeloblastic leukemia with clinical symptoms simulating myeloradiculoneuritis.
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Substantial amounts of 6,15-dioxoPGF1 alpha were formed from arachidonic acid by particulate fractions from fetal calf blood vessels, especially in the presence of relatively high substrate concentrations. To assess the prevalence and predictors of perceived unmet needs among women diagnosed with breast cancer, with a particular focus on the impact of location (rural/urban). Increased amygdala response to shame in remitted major depressive disorder. Thrombosis of the aorta in the neonate is a potentially catastrophic event. By analyzing around 12,000 Rn measurements made in Austrian ground floors during a 10-year survey, we aim here to review and discuss the potential of geostatistics for mapping an environmental variable that shows very strong local variability.
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This study investigates the prevalence of different types of childhood adversities (CA) and posttraumatic stress disorder (PTSD) in female patients with Fibromyalgia or Chronic Widespread Pain (FM/CWP) compared to patients with Functional Dyspepsia (FD) and achalasia. Sequence evidence for RNA recombination in field isolates of avian coronavirus infectious bronchitis virus. Randomised trials that compared anti-cholinergic therapy with placebo or beta2-agonists in wheezing children under two years of age. Subclavian cannulation improves outcome of surgery for type a aortic dissection. The factors chromatographic column manufacturer at four levels and instrument at three levels were stepwise included in the study using asymmetrical factorial designs. Single conservative amino acid substitutions were made at each of the positions 94 through 105. It is, however, collected in NHS Numbers for Babies (NN4B) records. Finally, we showed that induction of Tpr-Met in primary myotubes was unable to produce endoreplication in their nuclei. | 8,847 | 4,522 | 17,275.322866 |
warc | 202143 | WASHINGTON (AP) — Some of the country’s leading technology companies have committed to investing billions of dollars to strengthen cybersecurity defenses and to train skilled workers, the White House announced Wednesday following President Joe Biden’s private meeting with top executives.
The Washington gathering was held during a relentless stretch of ransomware attacks that have targeted critical infrastructure and major corporations, as well as other illicit cyber operations that U.S. authorities have linked to foreign hackers.
The Biden administration has been urging the private sector to do its part to protect against those increasingly sophisticated attacks. In public remarks before the meeting, Biden referred to cybersecurity as a “core national security challenge” for the U.S.
“The reality is most of our critical infrastructure is owned and operated by the private sector, and the federal government can’t meet this challenge alone,” Biden said. “I’ve invited you all here today because you have the power, the capacity and the responsibility, I believe, to raise the bar on cybersecurity.”
After the meeting, the White House announced that Google had committed to invest $10 billion in cybersecurity over the next five years, money aimed at helping secure the software supply chain and expand zero-trust programs. The Biden administration has looked for ways to safeguard the government’s supply chain following a massive Russian government cyberespionage campaign that exploited vulnerabilities and gave hackers access to the networks of U.S. government agencies and private companies. | 1,672 | 868 | 3,093.585253 |
warc | 202143 | Many owners of small businesses overlook the benefits of succession planning. Given all the day-to-day challenges of owning and running a business, finding the time to make a long-term plan can be [...]
As an estate planning lawyer raised in the United States by two parents who grew up in Lebanon, I am acutely aware of stark cultural differences between those countries when it comes [...]
A New York City socialite, heiress to a massive fortune, Florence Foster Jenkins blindly took a huge risk when she attempted to change her will—if the movie version of her story is [...] | 587 | 388 | 874.448454 |
warc | 202143 | Changes in the labor market mean that many people are looking for a new job or transitioning to a new industry. Getting started with writing a new resume can be overwhelming, and MPPL cardholders have access to some helpful online resources to support resume and cover letter writing:
Adult Career Center from Tutor.com – Not just for students, job seekers can get support from Tutor.com in resume and cover letter writing, interview preparation and more. MPPL cardholders can access five free online sessions with a qualified career coach every week. Live sessions are available 2 – 9 p.m. CST. Additionally, resume and cover letter review is available with a 12-hour turnaround.
Gale Presents: Peterson’s Test and Career Prep – Under the “Explore Career” tab, this database includes a robust resume and cover letter builder, skills assessments, and additional career development tools.
LinkedIn Learning – High-quality and in-depth, these courses include valuable information about best practices in resume writing in a variety of situations, including switching fields and returning to work after a prolonged absence.
There are also many books to support job searching and career transitions, available from the library.
Find more online resources on the Jobs and Career Development Research Guide. With questions about any of these resources, or to set up a time to meet with a librarian for a resume review appointment, please contact the Research Desk to request a reference appointment.
Creating a new or updated resume can be overwhelming. The Resume Builder tool available from Gale Presents: Peterson’s Test and Career Prep, available through the library’s website, can simplify the process and give your resume a visual boost.
To get started from home, select Gale Presents: Peterson’s Test and Career Prep after logging with your library card on the Web Resources page.
Select “Explore Careers”, then “Career Tools,” and finally “Create a Resume.” Creating a login before you get started will allow you to save your changes and make updates at a later date. Once you’ve created a resume or cover letter, download it as a Word document or PDF, or create a link to share with prospective employers.
For more support with creating resumes and cover letters or assistance with accessing any of the library’s Web Resources, contact the Research Desk. More suggestions for library resources and websites to support the job search are available on the job and career development research guide.
A technical skills upgrade is one effective way to add valuable, attention-grabbing content to an existing resume. LinkedIn Learning and Microsoft are making several technical courses available for free of charge and certifications in selected skills available at a greatly reduced price for many workers.
LinkedIn Learning has identified ten jobs that are in-demand in today’s economy and are positioned to grow in the future. They are making ten LinkedIn Learning Paths aligned with these jobs available for everyone for free in 2021.
The ten role-based learning paths are:
Software developer – Become a Software Developer Sales representative – Become a Sales Representative Project manager – Become a Project Manager IT administrator – Prepare for CompTIA Network+ Certification Customer service specialist – Become a Customer Service Specialist Digital marketer – Become a Digital Marketing Specialist IT support/help desk – Prepare for the CompTIA A+ Certification Data analyst – Become a Data Analyst Financial analyst – Become a Financial Analyst Graphic designer – Become a Graphic Designer
LinkedIn Learning has also made learning paths focused on helping professionals come up to speed on soft skills.
Job seeker – Finding a Job During Challenging Economic Times Critical soft skills – Master In-Demand Professional Soft Skills Digital transformation – Digital Transformation in Practice: Virtual Collaboration Tools (combination of digital fluency and remote work) Allyship and inclusive conversations – Diversity, Inclusion, and Belonging for All
In addition, Microsoft Learn is offering free and in-depth technical learning content that also supports these roles and job seekers pursuing developer roles can access the GitHub Learning Lab to practice their skills.
Industry-recognized Microsoft Certifications are being offered at reduced cost. Exams that normally cost $100 or more will be offered for $15 for individuals who are unemployed or furloughed due to COVID-19. All exams are available in English, Spanish, French, German, and more. See the website for complete Terms and Conditions.
Mount Prospect Public Library card holders now have free access to
Gale Presents: Udemy , an online learning platform that connects patrons to video-based courses taught by leading experts in business, technology, and more. Users can explore thousands of continuously updated, on-demand video courses that match their professional goals and personal interests.
Gale Presents: Udemy, from Gale, a Cengage Company, offers a unique, tailor-made learning experience for adults who want to upskill for a new job or advance in their current profession. This top collection, powered by Udemy for Business, helps learners get where they want to be personally and professionally.
Gale Presents: Udemy includes: A wide selection of course topics with high-quality, in-demand content Courses that are added and removed weekly, as new skills and demands emerge in each field An opportunity to learn from world-class instructors working and making advancements in their fields Anytime, anywhere access, allowing users to download classes off-line and listen via podcast-style audio or on Chromecast or Apple TV A tailor-made learning experience based on skill needs and learning preferences Video lectures, most of which offer subtitles and/or transcripts to support a variety of learning styles Supplemental course content, such as assignments, quizzes, practice tests, and more A certificate of completion, available for download when a course is finished
Major course categories include cloud computing, data science, design, development, finance and accounting, human resources, IT operations, leadership and management, marketing, office productivity, personal development, project management and operations, and sales. | 6,509 | 2,871 | 14,328.415186 |
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Peripheral and central target requirements for survival of embryonic rat dorsal root ganglion neurons in slice cultures. We investigated patient survival according to initial parameters, including the initial Acute Physiology and Chronic Health Evaluation (APACHE) II score, serum cholinesterase level, and hemoperfusion and evaluated the mortality according to organophosphate types. We did not find any association between the MCP-1 -2518 A/G polymorphism and SLE in all subjects or in ethnic groups. An evaluation of the telepsychiatry programme in Victoria, Australia. We report a case of a 66-year-old caucasian woman suffering from polymyositis with the anti-Jo-1 antibody. In previous studies, we assessed the effects of intrapituitary injection of a recombinant adenoviral vector (RAd) harboring the cDNA for rat insulin-like growth factor type I (RAd-IGF-I) on the lactotrope and somatotrope populations in estrogen-induced prolactinomas. During a systematic survey in 2003, mosaic symptoms were observed only on susceptible barley cultivars collected in Belgian fields. This article describes the development process of the PSCIT and provides a guide to using the PSCIT. These results suggest that the interference of memory reconsolidation is effective when two task rely on the same memory system or both evoke negative valence. Cytopathic effect of the herpes simplex virus type 1 appears stereologically as early as 4 h after infection of Vero cells.
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If this hypothesis is correct, then wide FOV systems will have an advantage over narrow field of view input devices such as head mounted or desktop displays. Comparative studies, guidelines, program evaluations, methods studies, commentaries, and surveys were considered for inclusion. By using the classical double random phase encoding (DRPE) system, the primary images can be collected by an intensity detector that located at the output plane. Patients treated with GKRS alone can prolong their median lifespan by a range of 6-10 months if they are in a good pre-GKRS functional state. Rodent brain and heart catecholamine levels are altered by different models of copper deficiency. Reconciling conflicting clinical studies of antioxidant supplementation as HIV therapy: a mathematical approach. Successful treatment with voriconazole of Aspergillus meningitis in a patient with acute myeloid leukemia.
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While bacteria proliferated in lungs of wild-type mice, a rapid reduction in the number of bacteria was observed in the IL-4 mice as early as 6 h postinfection. To evaluate differences in long-term postretention changes between adolescents and adults. HIV-infected patients who stand to benefit most from the availability of new antiretrovirals are those who have the fewest treatment options. Accuracy of electrocardiogram interpretation improves with emergency medicine training. This study shows that kidney transplanted patients do not receive adequate information about increased risk of skin cancer and the necessity of photoprotection. The cytoskeletal elements actin and associated protein cortactin are shown to organize around the stalks of the engulfed gold spines in the form of rings. Mapping disease mutations to the structure of the protein can help in understanding the functional consequences of these mutations and thus indirectly, the finer aspects of the pathology and clinical manifestations of the disease, including phenotypic severity as a function of the genotype.
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Our theoretical analyses show that under certain conditions the light beam will no longer reach the interface between the magneto-optical glass and air during the propagation in the sensing head. pertussis strains have evolved to dampen the vaccine-induced inflammatory response, which would benefit survival and transmission of this pathogen. These include nutritional manipulation,the use of growth promotants, and, more recently, the ability to change the genetic potential through genetic engineering. The CL expression of leptin receptor protein was significantly lower during early pregnancy compared to the cycle. Activated protein C resistance and deficiencies of antithrombin III, protein C or protein S and the risk of thromboembolic disease in users of oral contraceptives. This study examined 46 NC districts that passed TFS policies between 2003 and early August of 2005 to see what factors were important in policy passage in order to support the continued promotion of TFS policy adoption across the state. Coded excitation for diverging wave cardiac imaging: a feasibility study. The moduli of the resulting hydrogels varied stepwise from 1.7, 4.1, 6.9, and 12.5 kPa to allow for systematic studies on the effects of modulus on cell behavior.
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Neuroimaging of idiopathic normal pressure hydrocephalus--current concepts. During this stage, tonic activities and phasic Ponto-Geniculate-Occipital (PGO) ones originated within brainstem cholinergic neurons activate irregularly many parts of the brain such as the cerebral cortex and limbic system to produce dream-like activity. Our data demonstrate an essential role of PI3K signaling in chondrocyte differentiation and as a consequence of this, in the endochondral bone growth process. One of the major aims of the International Union of Physiological Sciences (IUPS) Physiome Project is to develop multiscale mathematical and computer models that can be used to help understand human health. The aim of the present study was to compare the use of central nervous system drugs and analgesics among people aged 85 years or older, with and without dementia. Clinical data and sepsis-related organ failure assessment (SOFA) scores were also recorded. The ERG amplitudes recovered to baseline levels by 15 weeks post-retinectomy, indicative of subsequent restoration of retinal function after regeneration.
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The effects of citalopram and fluoxetine on sexual behavior in healthy men: evidence of delayed ejaculation and unaffected sexual desire. Patient-family communication issues included physical challenges and financial challenges. In the assessment of spasticity in the pediatric disabled population, methods that are easily used in practice are ordinal scales that still lack reliability. In gel-shift assays, R1A-RARalpha was able to bind to a panel of retinoic acid response elements both as a homodimer and as a heterodimer with RXRalpha, and demonstrated distinct DNA-binding characteristics compared with wild-type RARalpha/RXRalpha or other X-RARalpha chimeric proteins. Noncovalent interaction of G-quadruplex DNA with acridine at low concentration monitored by MALDI-TOF mass spectrometry.
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We developed an in vitro model to mimic the in vivo effect of re-infusing peripheral blood mononuclear cells (PBMCs) treated with PDT based on TH9402 (TH-PDT). The aim of this study was to determine if genetic variation in the pain-modulating gene DREAM and its pathway genes influence susceptibility to reporting musculoskeletal pain in the population. We show that the model risk predictions derived from sequencing differ substantially from those obtained from the SNPs measured on commercially available genotyping arrays for several different non-monogenic diseases, although high density genotyping arrays give identical results for many diseases. Dentists report that the complexity and poor usability of practice management systems (PMSs) are factors in the slow adoption of computers at chairside. At first, he refused curative therapy, except for silymarin medicine. Framelet kernels with applications to support vector regression and regularization networks. MCJ is expressed in drug-sensitive breast cancer cells but not in multidrug-resistant cells. Recurrence of the DG at the second postoperative assessment was 1 of 41 patients in the arthroscopic group and none in the open excision group, and, after a minimum of 12 months after excision, recurrence was 3 of 28 in the arthroscopic group and 2 of 23 in the open group. Conversely, optical coherence tomography did detect significant foveal atrophy in all affected eyes and a characteristic defect at the photoreceptor-retinal pigment epithelium junction.
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In this study, we utilized water-miscible organic solvents such as acetone and ethanol, which are considered safe class 3 solvents according to the ICH guideline. However, the mechanisms underlying the antioxidant effects of coffee in biological systems are not totally understood and in some cases vary considerably from results obtained with simpler in vitro chemical assays. In the present study, we carefully matched less suggestible individuals (LSIs) to HSIs on a number of factors. This mutant was able to produce COR earlier and at lower cell densities than the wild-type. This review provides an overview of the theory and application of the techniques that have been used to evaluate cerebral blood flow in children. Interestingly, these shifts are often toward groups of bacteria known to harbor many polyketide synthase and non-ribosomal peptide synthetase gene clusters involved in bioactive molecule production. Such chromatography-based methods also offer more sensitivity and specificity compared to an immunoassay. Ventricular preexcitation is a conduction abnormality caused by an accessory pathway bridging the atria and ventricles. From weeks 3-4, the central part of the cartilage showed increased surface fibrillation and apparent chondrocyte death. Strongest binding was observed to peptides containing the C- or N-terminal part of the HNP-1 molecule. | 9,802 | 4,812 | 19,931.955528 |
warc | 202143 | Chart of the day: Discovery of coronavirus cases earlier than Wuhan outbreak
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Scientists from various countries have found the existence of the novel coronavirus earlier than the first reported cases in China amid international efforts to piece together the puzzle of the COVID-19 origins.
At least nine recent studies have identified the virus in the U.S., Europe, Brazil and Japan, a sign that these pathogens emerged and circulated earlier than previously known.
U.S.: Virus found in blood samples in December 2019
Scientists at the NIH found antibodies to the novel coronavirus, known as SARS-CoV-2, in nine blood samples out of more than 24,000 people who gave blood between January 2 and March 18, 2020. Antibodies usually take about 14 days to develop.
Federal health officials are increasingly accepting a timeline in which small numbers of COVID-19 infections may have occurred in the U.S. before the world ever became aware of it.
"There was probably very rare and sporadic cases here earlier than we were aware of. But it was not widespread and didn't become widespread until late February," said Natalie Thornburg, principal investigator of the Centers for Disease Control and Prevention (CDC)'s respiratory virus immunology team.
Such results underscore the need for countries to work together and identify newly emerging viruses as quickly and collaboratively as possible, she added.
Brazil: Virus found in sewage sample from November 2019
A Brazilian research team found samples of the novel coronavirus in the sewer system of the southern city of Florianopolis back in late November 2019, three months before the first coronavirus case was officially recorded in the country on February 26, 2020.
A study by the National Cancer Institute (INT) of the Italian city of Milan published in November 2020 found blood samples taken in September 2019 showed the presence of antibodies against the SARS‑CoV‑2 virus.
"What we noticed, and it was unexpected, we found more than 10 percent of the samples presenting antibodies against the COVID-19 virus," INT biologist Gabriella Sozzi told CGTN. "This finding seems to tell us that the SARS‑CoV‑2 virus was probably circulating at a low level in Italy before the outbreak that we had in February."
Clues to COVID-19 origins include an anonymous skin sample in Italy from a 25-year-old Milan resident who in November 2019 visited a hospital with a sore throat and skin lesions. She left behind a skin sample that in two tests conducted more than six months later yielded traces of the virus, according to research published in January by the British Journal of Dermatology.
"These results, sent to a high impact journal and published in the archive medRxiv, suggest the infection was present before knowing about any case of COVID-19 in any part of the world," the statement said. "Those infected could have been diagnosed with flu in primary care by mistake, contributing to the community transmission before the public health authorities took measures."
The studies with COVID-19-positive results are an example of the scattered clues about the pandemic's early days that could help determine how long the virus had been circulating the world before a cluster of cases erupted in central China's Wuhan in December 2019. | 3,342 | 1,644 | 6,694.164234 |
warc | 202143 | VATICAN CITY (CNS) -- International solidarity in funding the rebuilding of schools, hospitals and churches destroyed by war is important, Pope Francis said, but "we need to be concerned above all for the living stones who have been wounded and dispersed."From Georgia south through Iraq and Syria, then from the Holy Land through North Africa to the Tigray region of Ethiopia, the needs of Christian communities are pressing, Pope Francis said June 24 as he met with representatives of a Vatican coalition of funding agencies, known by its Italian acronym, ROACO.Coordinated by the Congregation for Eastern Churches, ROACO assists Eastern-rite churches around the world as well as the Latin-rite church in North Africa and the Middle East. The agencies include the U.S.-based Catholic Near East Welfare Association and Catholic Relief Services, as well as Aid to the Church in Need, Caritas Internationalis and Catholic charities in Germany, France, Austria, Switzerland, Italy, Belgium and the Netherlands.Through the representatives, Pope Francis extended his "gratitude to all those who support and make possible your projects: ordinary members of the faithful, families, parishes and volunteers who understand what it means to be 'brothers and sisters all' and who devote a portion of their time and resources to assisting you in the services you provide.""I have been told that the income from the 2020 collection for the Holy Land was only about half of that received in previous years," the pope said. The collection, usually taken on Good Friday, was moved to September in 2020 because most countries were under a mandatory COVID-19 lockdown, including prohibitions or severe limits on church services.Pope Francis said he knew that restrictions on Mass attendance as well as "the economic crisis generated by the pandemic" explain the drop in donations.However, he said, "while the crisis may have encouraged us to focus on what is essential, we cannot remain indifferent when we think of the deserted streets of Jerusalem and the loss of those pilgrims who go there to strengthen their faith, but also to express concrete solidarity with the local churches and their people."He urged Catholics to understand the importance of their giving.Christians in the Holy Land have experienced hardship over the past year not only because of the pandemic, but also because of renewed violence between Israelis and Palestinians, "peoples who we hope and pray will see the bow of peace that God showed to Noah as a sign of the covenant between heaven and earth, and of peace among peoples.""All too often, even lately, those skies have been darkened by missiles bringing destruction, death and fear," the pope said."The pleas for help rising from Syria are never far from God's heart, yet do not seem to have touched the hearts of leaders in a position to affect the destiny of peoples," he said. After 10 years of conflict and millions of people displaced or forced to migrate, the victims and the need for reconstruction are "all held hostage to partisan thinking and the lack of courageous decisions for the good of that war-torn nation."Pope Francis also expressed his "apprehension" over the continuing violence in Tigray, where the Ethiopian army and its allies are reportedly committing massacres, raping women, destroying churches and mosques and using famine as a tool to put down any civilian support for the Tigray People's Liberation Front.In discussing needs for funding at ROACO's annual meeting June 21-24, the agencies' representatives heard from: Archbishop Pierbattista Pizzaballa, Latin patriarch of Jerusalem; Archbishop Antoine Camilleri, nuncio to Ethiopia; Archbishop José Bettencourt, nuncio to Georgia and Armenia; Cardinal Mario Zenari, nuncio to Syria; Archbishop Joseph Spiteri, nuncio to Lebanon; and Archbishop Mitja Leskovar, nuncio to Iraq. | 3,898 | 1,962 | 7,690.702345 |
warc | 202143 | The Hedera Governing Council has allocated $5 billion of Hedera Hashgraph in an effort to incentivise and fund the expansion of its ecosystem.
The 5.35 billion funding represents 20% of the total Hedera Hashgraph (HBAR) supply and will be delivered through an independent HBAR Foundation.
Serial blockchain executive Shayne Higdon has been tipped to head the new foundation.
Ahead of him lies a big challenge – delivering the growth necessary for Hedera Hashgraph to compete in the top 10 with the likes of Solana and Cardano.
The $5bn package put forward to the Hedera Governing Council in a resolution back in July, can be seen as a serious commitment to scaling up the blockchain.
Speaking to Coin Rivet, Mark Radcliffe – partner at DLA Piper and a member of the Hedera Governing Council – explained the move was aimed at driving decentralisation of the blockchain.
“We believe that for the Hedera network to reach its full potential as the trust layer of the internet, we must continue its strategy of decentralising the governance of the ecosystem, which started with its unique Hedera Governing Council structure,” he said.
“Our aim with the transfer of these assets is to ensure that decisions about the growth of the network will continue to be further decentralised through the role of the independent HBAR Foundation.”
The Hedera Governing Council has announced the approval of a plan to allocate 10.7 billion $hbars (approximately 20% of total supply), currently worth US $5 billion as of September 16th, 2021, towards the development of the Hedera ecosystem: https://t.co/xS3wG4aYrw
— Hedera Hashgraph (@hedera) September 16, 2021
An independent and autonomous HBAR Foundation will be able to allocate grants and funding to developers, start-ups, and other organisations.
The mission is simple: deliver DeFi, iGaming, NFTs, and CBDCs to the Hedera ecosystem.
However, it appears the future of Hedera Hashgraph is in safe hands. Shane Higdon has extensive experience in software enterprise and venture capital, having delivered corporate ventures and mergers in the SaaS and multi-cloud space.
“The Hedera network is the most widely used public ledger in the world, and with the establishment of the HBAR Foundation we aim to drive exponential adoption, growth, and value,” said the incoming CEO.
“Our mission is to fund a future where entrepreneurs form digitally-native economies and ecosystems, controlling their own assets, identities, data, marketplaces, and more. We are excited to engage with and support organisations and teams that share this vision.”
What is Hedera Hashgraph and the governing council?
Hedera Hashgraph is an innovative distributed ledger that utilises a unique form of technology called directed acyclic graph (or simply DAG – which records information on unique data structures instead of in a linear chain as with normal blockchains).
It boasts being lightening fast thanks to an additional feature called the asynchronous Byzantine-Fault Tolerance (aBFT) consensus mechanism.
Founder and Chief Scientist at Hedera Hashgraph, Dr Leemon Baird, explained how aBFT comes into play with HBAR.
“Byzantine fault tolerance (BFT) means that when you’re trying to figure out the order of transactions, there comes a moment in time when you know that you have reached consensus,” he explained.
“Byzantine fault tolerance means three things: 1) we are going to come to consensus, 2) we will know when we’ve come to consensus, and 3) we’re never wrong – you’re mathematically guaranteed to reach the exact same consensus. That’s Byzantine.
“[When a BFT is asynchronous it means that it] makes no assumptions about how fast messages are passed over the internet, making it resilient to DDoS attacks, botnets, and firewalls.
“Hashgraph is mathematically guaranteed to reach consensus and is secure as long as less than one-third of participants are malicious.”
The network is open-source and decentralised, with a strategic focus on corporate and institutional adoption versus mass adoption.
Hedera’s Governing Council is responsible for the project’s development, and currently comprises 23 organisations from around the world including Boeing, Chainlink Labs, Deutsche Telekom, EDF (Électricité de France), Google, IBM, LG Electronics, London School of Economics (LSE), Standard Bank Group and Tata Communications, amongst many others.
Participating organisations are responsible for governing the network (including treasury allocation) and operating nodes.
More crypto news and information
As with any investment, it pays to do some homework before you part with your money. The prices of cryptocurrencies are volatile and go up and down quickly. This page is not recommending a particular currency or whether you should invest or not. | 4,940 | 2,331 | 10,100.40326 |
warc | 202143 | This article by Laura Schwarz first appeared in the January/February 2019 edition of the Northern Gardener Populations of spider mites go up and down from year to year. In 2018, for example, an abnormally dry summer led to large numbers of the pests. In both my home garden and in the many gardens I tended…Read More
As the first part of the vegetable garden season winds down, harvest holes may start appearing in your garden. These are the spots where you pulled a beautiful head of lettuce or where the peas have finished up and there’s a space open. How do you fill those holes? Which vegetables can you plant now?…Read More
With our erratic springs—70 one day, 30 the next—it’s often a challenge to figure out when to plant your vegetables or ornamental plants. Most experienced gardeners use a variety of ways to determine when to plant their crops. Here are three we’ve tried: By Frost Free Dates. Most seed packets will include a recommended seed…Read More
It looks like we are all facing a few weeks of restricted social activity due to the COVID-19 virus. We’ve seen several memes around social media saying “Your Garden is NOT Closed,” or something similar, and that is sure true. During this forced period of home-time, here are a few things for a gardener to…Read More
This article by Diane Duvall originally appeared in the September/October issue of Northern Gardener. MSHS and Koehler and Dramm’s Institute of Floristry value their shared history of inspiring beautiful creations with plants. So, when MSHS was looking for a sponsor for the popular Make and Take class series in 2019, Koehler and Dramm was the…Read More
This October, a longtime supporter and member of MSHS has challenged us to raise up to $5,000 to support the society and its work connecting young people to gardening and food security. Your donations, which will be matched dollar for dollar up to $5,000 in this challenge grant, drive valuable MSHS programs that bring plants,…Read More
Claudia West might be considered a garden revolutionary. With co-author Thomas Rainier, West argues in Planting in a Post Wild World (Timber Press, 2015) that trying to re-create nature precisely in our backyards is a futile endeavor. Instead gardeners who also care about the environment should design gardens filled with plant communities that enhance each…Read More
During the Minnesota State Fair, Duluth author Pamela Fish Carlson visited our booth and signed copies of her new children’s book, Emma Bee (Beaver Pond Press, 2019). Pam and her book were a big hit with fairgoers, especially those with children in their lives. Emma Bee is the story of a young honeybee, heading out…Read More
Are you on Instagram? It’s the nicer social media, filled with pictures of delicious food, cute dogs and cats and lots and lots of plants. There are so many great gardeners on Instagram that we know we’ll miss a few. But here are 25 garden Instagrammers—mostly from the North— that we love. Tell us who…Read More
With all the rain we’ve had this year, there are some really good-looking containers in people’s gardens. Or, maybe you have an indoor plant you have been nurturing for years. Or a succulent tray or other unusual plant you are especially proud of. It’s time to show off your plant beauties at the MSHS Potted…Read More | 3,448 | 1,728 | 6,588.712963 |
warc | 202143 | The Visible Learning research reveals that teacher clarity has the potential to considerably accelerate student achievement. So, how do educators implement such a high-impact practice?
Teacher clarity is both a method and a mindset and is core to practitioners aligning lessons, intentions and outcomes of learning seamlessly so that the classroom hours flow productively for everyone. Teacher clarity requires that educators know what students need to learn, communicate learning intentions and success criteria to students, and deliver lessons in a coherent way so students will learn more.
This course is focused on strengthening educator competency in
Leave this course with:
This course connects with the SkillsFuture for Educators prioritised areas of practice relating to assessment literacy through the lens of Visible Learning by sharpening clarity of understanding about what students need to learn and identifying how they will know that they have learned it.
Click to find out more about the related courses below:
Dr Douglas Fisher, Ph.D., is a Professor of Educational Leadership at San Diego State University and a teacher leader at Health Sciences High. Previously, Doug was an early intervention teacher and elementary school educator.
He is the recipient of an International Reading Association William S. Grey citation of merit and an Exemplary Leader award from the Conference on English Leadership of NCTE.
Doug has published numerous articles on teaching and learning as well as books such as Developing Assessment-Capable Visible Learners, The Teacher Clarity Playbook, PLC+, Visible Learning for Literacy, Comprehension: The Skill, Will, and Thrill of Reading, How Tutoring Works, and most recently, How Learning Works. Doug loves being an educator and hopes to share that passion with others.
Topic: Teacher Clarity
Presenter: Professor Douglas Fisher
Date: Wednesday 24 November 2021
Time: 9.00 am to 12.00 pm Singapore Time GMT+8
Mode of Delivery: via Zoom
Closing Date: 29 October 2021 Friday
Workshop Fee: S$199.00 per participant. Fees are subject to GST.
Other Information:
Registration is on a first-come-first-serve basis. No refunds will be made for cancellations or in the case of absentees. The Academy accepts replacements for registered participants who are unable to attend for whatever reasons.
School/Cluster-Based Workshop Registration:
Please contact Joseph Loy by email This e-mail address is being protected from spambots. You need JavaScript enabled to view it or tel: 6363 0330 on the cost of conducting the workshop. | 2,585 | 1,382 | 4,795.904486 |
warc | 202143 | A Guide to Social-Distance Picnicking
Here’s the thing: There’s a pandemic on. There’s no end in sight. With so much still unknown about the virus—and so little policy consensus on the risks of easing social restrictions—it’s hard to know what to think or what’s the right thing to do. In the absence of clearer guidance on charting a middle course between strict lockdown and full-on denial, what else can we do but follow our instincts to a place that balances caution and risk?
For us, we not only prefer to err on the side of caution, we believe it’s everyone’s responsibility to follow reasonable social-distancing guidelines when out in public. As much as we look forward to the day when we can go back to our favorite restaurants and bars, it’s gonna take time.
In the meantime, we’re going to stick with outdoor dining. According to epidemiologists and other smart people, the risks of contracting or transmitting the virus decreases in open air—provided we wear face coverings and maintain physical distance. This bit from the
New York Times story is especially encouraging: Pandemic life is safer outdoors, in part, because even a light wind will quickly dilute the virus. If a person nearby is sick, the wind will scatter the virus, potentially exposing nearby people but in far smaller quantities, which are less likely to be harmful.
“What We Know About Your Chances of Catching the Virus Outdoors,”
“The virus load is important,” said Eugene Chudnovsky, a physicist at Lehman College and the City University of New York’s Graduate Center. “A single virus will not make anyone sick; it will be immediately destroyed by the immune system. The belief is that one needs a few hundred to a few thousand of SARS-CoV-2 viruses to overwhelm the immune response.” The New York Times, May 15, 2020 The Times also published some guidelines for safe social-distance picnicking, which has some practical, common-sense suggestions. And we loved seeing this free design template for a sew-your-own social-distance picnic blanket from the Paul Cocksedge Studio.
With all this in mind, we’ve been dipping our toes back into picnicking with some small gatherings in the park, by the riverside, and other locations
en plein air. To ensure we’re doing it safely and responsibly, here’s our Pandemic Picnic Checklist: 1. Mask Up
Unless you find wearing a mask to be suffocatingly uncomfortable (or you’re philosophically opposed to the idea of shared sacrifice and civic responsibility—in which case, what are you doing here anyway?), this should be an easy one. And fun, too! So many different styles and patterns and ways to express your personality. (Check out some of our favorite maskers here, here, and here.
Bottom line: Cover your cake hole until it’s time to cram it.
2. Pod Up & Back Off
This one’s not so easy. Actually, it’s really hard and awkward. It means being strict about staying in your own pods (i.e., the people you’ve been sheltering with). As tempting as it might be to rationalize the idea of combining pods within a “social bubble” or “quaranteam,” the truth is we just don’t know how much risk we’re inviting. But we really need to get used to a degree of distancing: Even if infections decline enough for people to go back to hugging and close-talking, the virus won’t go away. When the time comes again, we’re gonna need to have that muscle memory and spatial awareness to social distance on demand.
3. BYOB #1…Bring Your Own Blanket
Unless you’ve got a blanket with enough surface area—or you’ve stitched up your own “Here Comes the Sun” orbital ring—stick to separate blankets for separate pods.
4. BYOB #2…Bring Your Own Basket
This is not the time for sharing plates or family-style spreads. Pack your own food, drink, flatware, dishes, and cups. If you want to share safely, you can pre-pack individual servings or prepare separate boards of assorted appetizers for your co-picnickers.
5. Safety Signifiers
Disinfectant wipes and liquid hand sanitizer are standard picnic paraphernalia even when there isn’t a global health crisis. Displaying them prominently on your blanket—perhaps alongside your tape measure for a smart centerpiece—signals to those nearby that you take everyone’s safety seriously.
So, get out there and enjoy. Comment and share your stories, pics, recipes, and ideas for pandemic picnicking. And please let us know how we can make this more helpful so we can update it with more suggestions and reliable information. | 4,725 | 2,398 | 8,795.829858 |
warc | 202143 | Hydrocodone, also available under the brand name of Hysingla, is an opioid pain medication that helps treat severe pain of prolonged duration. It works by changing how the brain process the feeling the pain and provide relief to the patient.
Anyone suffering from pain can easily buy Hydrocodone online and start using it, but it is vital to consult with a doctor to ensure you don’t face the adverse effects of this medicine. Because it is an opioid, it can be addictive if not used with caution. So, ask your doctor for a prescription before you start using this drug. | 578 | 360 | 915.166667 |
warc | 202143 | No two relationships happen to be alike. What might work in your marriage with your partner might not go with someone else’s. Because of this , it is important to master relationship rules that will allow one to effectively talk to your www.mybeautifulbride.net/rating/amolatina partner. Once both people in a relationship have different opinions, they can become argumentative and frustrated when using the other 1. However , if you figure out how to effectively exchange their views, you can steer clear of this coming from happening.
It is easy to get lost in the excitement of a fresh relationship, with no learning how to retain things interesting between you and your partner. This can be very detrimental to a long-term relationship. Long lasting relationships involve a lot of compromise, which is something that various couples have trouble with in a romance. In a long lasting relationship, a single person has to give up something to gain something else. Learning new relationship rules will help you figure out your spouse-to-be’s needs and wants, which makes for any more mutually fulfilling romance.
One of the most prevalent problems in relationships is a boredom that happens when partners to end talking to one another. Boredom may be a symptom of an underlying concern. For example , a lot of couples look to sex in an effort to spark discussion and keep their very own relationships fresh new and interesting. Additional couples experience serious discussion posts over dinner about all kinds of things imaginable. Learning some straightforward relationship guidelines to eliminate detachment will make your relationship good and vibrant.
Sometimes, it really is difficult to take the time to communicate with your partner. If this occurs frequently , you happen to be setting yourself up for fights, resentment, and feeling of boredom. In order to keep a relationship fresh and interesting, you need to have important conversations. You also need to shell out time with all your partner outside your marriage. It is important to keep the fire of the relationship combusting when you do consequently.
Another difficulty that occurs regularly in connections is the insufficient intimacy. Deficiency of intimacy is not caused by boredom or perhaps loneliness, but rather is a concern of connection problems. If your couple lacks intimacy, there isn’t enough time spent together which can lead to fights, bitterness, and detachment. Learning a few relationship guidelines that showcase intimacy could make your intimate existence a healthy marriage rule.
Sometimes, it can be complicated for one or both companions to maintain long lasting relationships. Long-term relationships require significant and consistent attention from equally partners. This attention is usually not always easy to find, especially in today’s the community when people are busy with everything else. Nevertheless , maintaining long term relationships needs both parties to find ways to produce time in concert. Learning some relationship rules such as spending quality time with the partner, making time for romance, and creating moment for one another will help your long-term relationships prosper. | 3,220 | 1,485 | 6,923.542088 |
warc | 202143 | It is undoubtedly the ideal time to
buy apartment in Turkey because of the country's stable economic growth and rapidly developing. Investing in real estate Turkey is considerably affordable. This makes real estate Turkey an ideal investment choice for home buyers or bargain property seekers. Buying apartment in Turkey will undoubtedly benefit anyone looking to invest in a place with a low cost of living. Even the law and government of the country helps in keeping the costs down. The maintenance costs of the properties are not too high, which quickly attracts buyers to invest in them. The apartments of Turkey are well-developed and incorporated with modern features and architectures, which increase their desirability. The climatic conditions and the friendly lifestyle of the country prompts buyers to invest in turkish property. The country's government has simplified the buying process to make it easier for foreigners to buy Turkey property. Considering all these benefits, it is clear that Turkey is the future of the real estate market, and investment in Turkey property can only be beneficial for you in the near future.
Real estate investors have been rounding up the city of Yalikavak because of the availability of luxury apartments for sale in the city. This city is known for its architectural and luxurious Turkish properties, which leave people in awe. The employment of high-end architects and engineers has helped in creating highly developed and specialized apartments that are available at affordable prices for you to buy. The unprecedented exchange rate between lira and various other world currencies is relatively high, which makes it easier for buyers to invest in
apartments for sale. You can also buy apartment for sale in Istanbul as it is another extraordinary city of Turkey that acts as a significant real estate center. While choosing an apartment, it is essential to keep in mind the location and the neighborhood of the turkish property. It should lie close to schools, banks, grocery stores, and other necessary amenities required in everyday life. The location should have a good transport system to connect you to all the corners of the city. The rental value of apartments in Istanbul is also relatively high, which promises a good investment return.
If you want to invest in Turkish properties, then Yalikavak is the ideal city for you. Living in this city can prove to be highly advantageous for you because of its excellent geographical location. It is slowly becoming the home to luxurious shopping centers, movie theatres, and many other mega projects, which will generate a stable economy for the country in the near future.
Q 1: Is it costly to live in Turkey? Ans: No, it is considerably affordable to live in Turkey. The properties here are also very affordable. Their cost of maintenance is meager. Q 2: Which is the ideal city to live in Turkey? Ans: Istanbul, Antalya, Yalova, and Alanya are some of the ideal cities of Turkey to live in. They have many useful facilities. The properties here are also very high-quality and affordable. Q 3: Is the cost of living in Turkey expensive? Ans: No, the cost of living in Turkey is relatively cheap. The cost of living here is comparatively lower than in other countries. Even the affordable taxes of the country help in keeping the costs down. Q 4: Is property istanbuls a good investment? Ans: Property istanbuls is an ideal investment. This city is one of Turkey's most well-developed and famous cities, whose capital growth is undoubtedly going to multiply in the coming years. This promises a good return on property investment. Q 5: What is the cheapest city in Turkey to live in? Ans: Sanliurfa, Marsin, and Konya are some of the cheapest cities in Turkey, which provide an affordable cost of living. People do not have to spend too much money to live in these cities. They are economically efficient. Q 1: Is buying apartments profitable? Ans: Owning an apartment is profitable if the rental valuation exceeds expenses like mortgage payments or its future selling value keeps increasing with time. This will help you earn a profitable return on your investment. You can even rent your property for a stable source of income. Q 2: Does the location of an apartment matter? Ans: An apartment's location is the most crucial thing to look for while buying an apartment. The location of the place more or less decides its valuation. A good location assures a profitable investment. Q 3: Can foreigners get a residence permit in Turkey? Ans: Yes, foreigners can get a residence permit, which, as per the government's rule, can be renewed while the turkish property is still under the name of its buyer. This makes Turkey an ideal place to reside. Due to this reason, many buyers are opting to buy properties in Turkey. Q 4: Can foreigners buy apartment in istanbul? Ans: Yes, foreigners can buy apartment in istanbul as it is very cheap. The affordable price motivates many buyers to invest in them. They are also easy to maintain. Q 5: Is a real estate agent needed if I buy apartment in Turkey? Ans: It is advisable to hire a real estate agent before buying a turkish property. He can help you find the ideal properties and deals within your budget. They also prevent you from getting into scam deals.
The
turkish nationality is famous for its hospitality and endearing qualities. It is a charming spot for property purchase and rent, which attracts millions of investors every year. Turkey has seen significant growth in the last couple of years as it is the home to megaprojects and rapidly growing buildings with high-end facilities and architecture. Investing in the properties of Turkey allows you liberal foreign investment. The turkish nationality also allows high liquidity, which motivates buyers to invest in the country's properties. The country's stable economic growth offers high rate properties. This makes it necessary for you to immediately invest in the Turkish properties as it promises a prosperous and financially secure future. Turkey, too has multiple job opportunities for foreigners who desire to earn a livelihood in the country. The budget-friendly prices of Turkey's properties have exceptionally motivated buyers to purchase them without bearing the burden of mortgages and bank credits. The country also offers several apartments for sale with lavish facilities and great rental valuation, which help generate a smooth cash flow in the future.
Here are the numbers you can directly reach us | 6,535 | 2,683 | 15,892.9836 |
warc | 202143 | Working paper The Impact of a Central Bank’S Verbal Interventions on Stock Exchange Indices in a Resource Based Economy: The Evidence from Russia
The purpose of this article is to determine the influence of the portfolio structure on the stability of insurance companies’ activity. With this objective, we examined how the structure of insurance portfolio affects the risks of companies’ activity. The author has proved that if insurance companies focus on voluntary property insurance it increases the probability of revocation of their licenses. These results were derived from a binary logistic regression using 112 observations. Parameters of insurance portfolio, as well as regional macroeconomic indicators that reflect the operating environment of the insurance business were used as variables for the model. Indicators of the insurance portfolio include voluntary and compulsory insurance. In the course of the research, it was revealed that one of the possible directions of development of insurance market regulation may be the organization of the mechanism of supervision over insurance companies, which allows soft impact on the structure of insurance portfolios in order to increase the stability of insurers. The introduction of this approach in regulation will allow the Bank of Russia to stimulate the development of the insurance market. Based on the results of the presented study, the Bank of Russia may develop guidelines to determine the optimal structure of the insurance portfolio. These recommendations can be one of the means of the surveillance policy over insurance companies. The orientation of the insurance company to certain types of insurance determines the stability of its functioning. In this regard, the Bank of Russia should develop an early warning system for disrupting the smooth functioning of the insurance company due to an incorrect focus on certain types of insurance.
The paper examines the structure, governance, and balance sheets of state-controlled banks in Russia, which accounted for over 55 percent of the total assets in the country's banking system in early 2012. The author offers a credible estimate of the size of the country's state banking sector by including banks that are indirectly owned by public organizations. Contrary to some predictions based on the theoretical literature on economic transition, he explains the relatively high profitability and efficiency of Russian state-controlled banks by pointing to their competitive position in such functions as acquisition and disposal of assets on behalf of the government. Also suggested in the paper is a different way of looking at market concentration in Russia (by consolidating the market shares of core state-controlled banks), which produces a picture of a more concentrated market than officially reported. Lastly, one of the author's interesting conclusions is that China provides a better benchmark than the formerly centrally planned economies of Central and Eastern Europe by which to assess the viability of state ownership of banks in Russia and to evaluate the country's banking sector.
The paper examines the principles for the supervision of financial conglomerates proposed by BCBS in the consultative document published in December 2011. Moreover, the article proposes a number of suggestions worked out by the authors within the HSE research team. | 3,402 | 1,540 | 7,471.145455 |
warc | 202143 | Objective: No means exist for predicting the acute respiratory distress syndrome (ARDS), which complicates sepsis, trauma, and a variety of clinical disorders. Because activation of phospholipid-signaling pathways involving the acyl chains oleate and linoleate may initiate and amplify the inflammatory response, and thereby lead to the development of ARDS, we examined whether serum concentrations of these bioactive lipids increase and are predictive of ARDS in at-risk patients. Design: Part I: A prospective, single-blind trial. Part II: A prospective, randomized, double-blind trial. Setting: General intensive therapy units in five university teaching hospitals. Subjects: Part I: Thirty-nine healthy control patients were studied to determine normal distribution of serum acyl values, followed by 30 patients admitted with onset of sepsis, trauma, or development of ARDS (within 24 hrs of admission) over a 1-yr period. Part II: Eight patients admitted with sepsis syndrome over a 2-month period. Interventions: Part II: Patients were randomized to receive the substituted methylxanthine, lisofylline (CT1501R), or an identically presented placebo. Measurements and main results: We measured the serum free fatty acid concentrations in the 39 healthy control subjects, and then we prospectively examined the serum free fatty acid concentrations in 30 age-matched patients in samples obtained within 24 hrs from the onset of sepsis, trauma, or development of ARDS. We then prospectively studied eight septic, at-risk patients who were matched for age, Acute Physiology and Chronic Health Evaluation II scores, Multiple Organ Failure index, and Glasgow Coma Score, in a double-blind, placebo-controlled, pilot study. These patients included four patients who received no treatment and four patients who received lisofylline, a compound that decreases serum unsaturated free fatty acids and diminishes acute lung injury in animals caused by sepsis and/or trauma. The calculated ratios of serum free fatty acids (Le., the ratio of C18 unsaturated fatty acids linoleate and oleate to fully saturated palmitate, C16:0) increased and predicted the development of ARDS in at-risk patients. Serum samples from the 30 patients, obtained within 24 hrs from the onset of sepsis, trauma, or development of ARDS, had significantly increased mean acyl chain ratios (1.42 +/- 0.35 [SD]) compared with healthy control subjects (0.86 +/- 0.25; p < .01). Sera from 13 patients with sepsis or trauma who did not develop ARDS (group A [at-risk, non-pre-ARDS]) also had increased acyl ratios (1.23 +/- 0.27) compared with sera from healthy control subjects (0.86 +/- 0.25; p < .01). Sera from seven patients who subsequently developed ARDS (group B [at-risk, pre-ARDS]) had higher acyl ratios (1.70 +/- 0.21) than group A at-risk patients who did not develop ARDS (1.23 +/- 0.27; p < .01) or healthy control subjects (0.86 +/- 0.25; p < .001). Sera from ten group C patients with ARDS at the time of admission to the study had the highest acyl ratios (1.80 +/- 0.75), which exceeded values for healthy control subjects (p < .001) and group A at-risk patients without ARDS (p = .01), but were not significantly different then group B at-risk, pre-ARDS patients (p = .17). Prospective study of eight septic, at-risk patients demonstrated significantly (p < .05) increased serum acyl ratios in the four untreated patients (findings consistent with the first study) but a significantly (p = .02) reduced ratio in the four at-risk patients treated with lisofyline. Conclusions: Increases in unsaturated serum acyl chain ratios differentiate between healthy and seriously iII patients, and identify those patients likely to develop ARDS. Thus, the serum acyl ratio may not only prospectively identify and facilitate the assessment of new treatments in patients at highest risk for developing ARDS, but may also lead to new insights about the pathogenesis of ARDS. | 3,944 | 1,642 | 9,468.482339 |
warc | 202143 | Here at the RAK Experience, we truly believe Random Acts of Kindness (RAKs) make the world go ‘round. Being kind has SO many positive effects on both the receiver
and the giver. Positive effects include, but are not limited to, a sense of belonging and increased feelings of wellbeing. Did you know that there is even a designated Random Acts of Kindness Day every year on February 17th? We believe Random Acts of Kindness are best taken daily (or more!).
You can download the
30 Day Challenge Random Acts of Kindness Planner 👉👉 here >>
We want to help you make the world a kinder place and you can start today with our Random Acts of Kindness 30 Day Challenge. All you have to do is check off one of the following RAKs every day for the next 30 days. They don’t have to be in order!
1. Pay It Forward In The Drive-Thru
This is an easy way to make someone’s day! Whenever you’re picking up your morning coffee or lunch, tell the employee working the drive-thru that you’ll also pay for the person in the vehicle behind you.
2. Send a Card to a Friend/Relative
Send a card to a friend or relative you haven’t spoken to in a while to let them know you are thinking about them.
3. Tape Change To Parking Meter
Or, if you see someone’s meter is running out, give it a top up. Parking tickets can be so stressful, so a little kindness from a stranger can go a long way.
4. Donate Your Books
Go through your books and weed out the ones you’ve already read or no longer want and donate them to your local library.
5. Bake For Your Neighbors
Bake a treat like cookies or brownies, etc. and bring them to someone in your neighborhood.
6. Compliment Three Strangers
Make others feel good today and give a compliment to three different strangers.
7. Visit an Animal Shelter
Dogs and cats love Random Acts of Kindness too! Visit an animal shelter and help out if you can! Who doesn’t love puppy and kitten cuddles?
8. Leave an Extra Big Tip
Visit your favorite restaurant or cafe and leave an extra big tip for your server. It’s been a tough year for the service industry and they deserve some love!
9. Then Leave Them a Good Review
After you’re done with your meal leave a positive review for the restaurant on Google, Yelp, or Trip Advisor.
10. Donate to a Food Pantry
When you are doing your regular grocery shop add on a few extra non-perishable items or clear out your pantry at home. Drop off the food at a local food pantry to help those in need.
11. Leave An Encouraging Note In Public
This is a simple and easy RAK that you can do anytime. All you need is a marker and a sticky note. Leave a “You’re Beautiful!” note up on a public restroom mirror or “You Are Doing Great!” on a telephone pole.
12. Call A Relative Just To Say Hello
Take five minutes out of your day to give a grandparent or relative you haven’t seen in a while a call just so say hello and see how they are doing.
13. Plant A Tree or Flowers
RAK the planet by planting a tree or flowers. Not only is it good for the environment but they can be enjoyed by the community as a whole.
14. Thank an Essential Worker
Essential workers have been absolute heroes this past year and a half. Thank one in person or leave them a note!
15. Give Your Friend a List of Things You Love About Them
Remind your friend of all the reasons you love having them in your life. It will surely make their day!
16. Donate to a Cause
Whether it’s your time or a financial contribution, find a cause you care about and get involved!
17. Bring Treats To Work
Nothing brightens up a workday like some midday treats.
18. Leave A Gift for Your Mail Carrier
Imagine the smile on their faces when they open the mailbox and there’s something addressed to them! It can even be something super simple like snacks and a bottle of water or Gatorade!
19. Hold The Door Open For Someone
This is RAK as old as time, but people seem to be in a rush more and more these days. Take the time to stop and hold a door for somebody today.
20. Donate Toys to Charity
A child and family in need will be so happy to receive a new toy. Donate ones you have around the house or pick up something new at a local toy store.
21. Help a Neighbor Mow Their Lawn/Do Yard Work
Especially if you have an elderly neighbour. Mowing the lawn, raking leaves, or shovelling snow from their driveway will make all the difference.
22. Leave Flowers On a Strangers Car
Leave a single flower on parked cars so that when the owner returns they’ll receive an instant smile on their face.
23. Offer to Babysit for a Friend or Relative with a Child
We all know a parent who could use some extra time for themselves or a date night. Offer to babysit so that they can enjoy a day/night out!
24. Cook a Meal For Someone
We personally believe the way to anyone’s heart is through their stomach and the best way to feed it is with a home-cooked meal.
25. Leave A Dollar On A Vending Machine
Leave a dollar or two on a vending machine and make a stranger's day with a free snack.
26. Donate Old Clothes to Charity
Clear up some room in your closet and donate the clothes to Goodwill or a homeless shelter for anyone who could really use them.
27. Give Blood
Giving blood can save a life. With blood shortages all over the country, donating your blood is a huge random act of kindness.
28. Write a Thank You Note
Write a thank-you note to anyone in your life that you think deserves it. It could be someone you know or a stranger, but make sure to give them plenty of thanks!
29. Set Up a Bird House
Here’s an easy way to RAK a bird! Set up a birdhouse on your lawn or hang a homemade feeder from a tree. Birds love RAKs too.
30. Send A RAK Pak
Send a RAK Pak to a friend or even anonymously to someone who deserves it! You can RAK a little or you can RAK a lot!
You can download the
30 Day Challenge Random Acts of Kindness Planner 👉👉 here >>
We’re so excited that you’re taking part in our 30 Day Random Acts of Kindness Challenge. Challenge your friends and family to do it with you and make sure to document it all on social media. Don’t forget to tag us! | 6,281 | 2,981 | 12,732.667897 |
warc | 202143 | There is no set age for retiring your horse. Some horses have physical conditions or diseases that require an early retirement. Other horses can be ridden late into their life without issues. As a general rule, most horses should stop being ridden between 20 to 25 years old.
What do you do with a retired horse?
If your horse still can work, then you might be able to
sell him to a rider who needs to school with an experienced mount. Word-of-mouth, advertising, and notices placed at the boarding barn, local feed store, or sent to local youth riding organizations, might bring you a buyer. Can you ride a 30 year old horse?
It’s easy to undervalue the older horse that reaches 20, 25, 30 years, or even more. Sometimes riders are quick to retire them or find new owners. But the reality is those horses can be rewarding to ride and also make great companions as they age.
Can you still ride a 20 year old horse?
In 2019, there is little reason to consider most horses of twenty to be a old and beyond use and function in the riding world. While there are exceptions and certain breeds do AGE better than others,
there aren’t many times a 20 year old horse in good health is a retirement ready horse. How do I keep my retired horse happy? Give Your Horse a Good Retirement [RELATED: SENIOR HORSE TIPS] DO treat your horse as an individual. … DO consider your horse’s accustomed lifestyle. … DO provide a companion. … DO continue with exercise. … DON’T retire your horse cold-turkey. … DON’T keep your older horse going and going just because you can. What is the best age of a horse to buy?
The ideal horse for first-time horse buyers is probably
10-20 years old. Younger horses generally aren’t quiet and experienced enough for a first-time horse owner. Horses can live to 30 years plus with good care, so don’t exclude older horses from your search. How long can horses ride for?
A well-conditioned horse can run at their top speed for somewhere between
2-3 miles nonstop before becoming completely exhausted. However, with regular breaks, some endurance horses can run as far as 100 miles in 24 hours. Is a 17 year old horse too old to buy? 17 a great age as long as they are healthy and sound. Remember, horses can live into their late 20’s and 30’s, and this mare will probably be ready to retire right about the time your daughter is about to move on. Is 55 too old to learn to ride a horse?
Well, the good news is that
you’re never too old to ride a horse! * As long as you can manage to get in and out of the saddle, you’ll be able to embark on all the equine adventures you could wish for. Read on to discover our advice for learning to ride a horse as an adult! Are you ever too old to learn to ride a horse?
As long as you have the desire to ride, a love for horses, and the ability to learn,
you’re never too old to ride! Who is the oldest person to ride a horse?
Dinnie Greenway loves riding horses, and she’s not letting a little thing like age stop her. The 96-year-old says horseback riding is an addiction that has kept her going her whole life. | 3,172 | 1,544 | 6,294.694301 |
warc | 202143 | Abstract
There is considerable evidence that predictions about others' behavior are anchored to comparable judgments about the self. There is also strong evidence that while self-judgments predict ingroup members' behavior more strongly than outgroup members, the correlation between self and group remains positive for both ingroups and outgroups (Robbins & Krueger, 2005). The present study examined two related questions. First, could the differences in correlation between self and ingroup versus outgroup be attributed to differences in group favorability? Second, would a negative correlation between self and outgroup be found for intensely disliked outgroups? Using an idiographic design that assessed self-group correlations for ingroups and outgroups ranging in favorability from highly disliked to highly liked, we found: (1) group favorability did not explain ingroup-outgroup differences; and (2) there was no evidence for a negative correlation between self and outgroups, even highly disliked outgroups. Discrepancies with earlier research are discussed. © The Author(s) 2010. | 1,099 | 529 | 2,266.557656 |
warc | 202143 | Projects per year
Abstract
When a colloid is mixed with a depletant such as a non-adsorbing polymer, one observes attractive effective interactions between the colloidal particles. If these particles are anisotropic, analysis of these effective interactions is challenging in general. We present a method for inference of approximate (coarse-grained) effective interaction potentials between such anisotropic particles. Using the example of indented (lock-and-key) colloids, we show how numerical solutions can be used to integrate out the (hard sphere) depletant, leading to a depletion potential that accurately characterises the effective interactions. The accuracy of the method is based on matching of contributions to the second virial coefficient of the colloids. The simplest version of our method yields a piecewise-constant effective potential; we also show how this scheme can be generalised to other functional forms, where appropriate.
FingerprintDive into the research topics of 'Coarse-grained depletion potentials for anisotropic colloids: application to lock-and-key systems'. Together they form a unique fingerprint. Projects 1 Finished
Wilding, N. & Jack, R.
1/05/12 → 30/04/15
Project: Research council | 1,235 | 656 | 2,300.564024 |
warc | 202143 | As online shopping becomes more prevalent, brick-and-mortar’s retail success will depend on portraying the act of shopping as an experience rather than a chore or errand for shoppers.
It will be survival of not only the fittest, but of the wittiest.
From forward-thinking retailers such as Apple, Hollister and others, national brands abound everywhere a shopper turns — in shopping malls, on Main Street and all over the Internet. The survivors will be those that become a destination and provide shoppers with an exciting and memorable social experience.
That’s where entertainment comes into play. Retail stores that provide environments where the shopper is also engaged will survive. Many progressive retailers are already immersing their brands in providing interactive and exciting shopping experiences called “destination locations.”
The phenomenon of this successful business model can be seen in the high density shopping areas like Times Square, SoHo, the Meatpacking District and Fifth Avenue, as well as large regional malls like Garden State Plaza and the Mall of America.
Whether it’s the giant Ferris Wheel inside Manhattan’s Toys ‘R Us or the Rem Koolhaas-designed flagship Prada store on Broadway, retailers at all ends of the market are providing a unique experience you can’t get behind a computer screen.
Retailers have less than 60 seconds to catch a customer’s attention and keep them engaged. To achieve this objective, the store must be the attraction, driving a revival of the idea of the big flagship Main Street store. A flagship store must be powerful enough and strategically located to create a unique experience.
The flagship needs to drive traffic, create product awareness, provide an enhanced customer experience and increase sales. While average store footprints are shrinking, there are more retailers positioning themselves around the innovators and trend-setters, pushing up the value of the surrounding real estate. In these shopping districts, the building of these flagships can be such a huge impetus towards driving up the value of real estate. Just because more people shop online, doesn’t mean they’ll stop shopping at stores completely. Indeed, for most retail sectors, a physical store can serve a fundamentally different function, giving consumers the ability to see, taste and touch the products in a way that is impossible online.
The challenge for retailers is to figure out a way to play up the strengths of the bricks-and-mortar store while incorporating new technology into the experience. | 2,614 | 1,309 | 5,080.226127 |
warc | 202143 | Premier League clubs last week voted in favour of new measures to curb excessive spending. Richard Scudamore, the League's boss, has promised to punish clubs recording losses in excess of £105m over the next three seasons as well as bringing in rules to ensure clubs bring their wage structure under control.
Ellis Short has been at the forefront of these proposals. The American not only supported the actions, they were actually his idea. With this in mind, it seems pertinent to ask what all of this might mean for the club that he owns.
In 2010/11 Sunderland's wage bill totalled a massive £61m against an income of £79m. That represents an unsustainable 77% of revenue spent on wages. The figures for 2011/12 should represent a decrease on that, given a number of cost cutting measures in the past season or two. The club has certainly been working towards a more effective financial model in that period and continues to do so. It's logical to assume that as the man behind the new rules, Short would have been planning for their implementation. In that respect, he has gone a long way to ensure the club starts off on a positive footing.
If player wages were to remain above the £54m mark, as they were two seasons ago, Sunderland would only be able to increase them by a further £4m in 2013. In context, that might equate to two new players' earnings. The likelihood is though, that if the wage bill isn't already below that figure then it will be after the next transfer window. The days of the bloated squads assembled by Roy Keane are well and truly over.
The new measures can be traced back to the end of the Irishman's tenure as manager. Since then, the squad size has been reduced massively. Steve Bruce began the process in earnest with mixed results. Two players who left during his tenure brought in significant revenue to the club as well reducing the wage bill, though they were made for different reasons. Darren Bent was sold so he could facilitate his own pursuit of money while Jordan Henderson simply commanded a fee that was too high to turn down. Henderson rather than Bent represents something the club would hope to repeat in the future. The Category One graded Academy will be expected to produce more talent to service the side on the pitch while also representing an excellent opportunity for the club to make money.
The squad has seen further changes since Bruce left and was trimmed again in January. Fringe players like Fraizer Campbell and David Meyler were moved on while it is almost a given that more will follow in the summer. Titus Bramble and Matt Kilgallon look likely to leave when their contracts run out. Bramble is generally popular amongst the Stadium of Light crowd, but for the money he earns, a better option could almost certainly be found for the first team. He is simply too expensive to be back up and too inconsistent to start regularly. Other players who could leave for fees include David Vaughan and Phil Bardsley. Scottish full back Bardsley reportedly earns in excess of £30k per week. Despite being a decent pro and a seemingly good dressing room character, he will probably be sold if a buyer can be found. Like Bramble, he'd make a decent squad player, but for those kind of wages a better option could almost certainly be found.
Terms like cost cutting and squad reduction often set alarm bells ringing. The actions being taken are far from a cause for concern in this instance though. In fact, the actions the club have taken and continue to take are positive. In terms of the players mentioned above, how many can honestly say they would really miss seeing any of them pull on a red and white shirt again? Compare those leaving with the players who have signed. Fletcher and Johnson arrived in the summer, while fees were spent on Graham and N'Diaye this winter. If the club was merely cost cutting, there is no way big money would have been spent on these players. Short has shown he is committed to the club and will not shy away from spending on fees and wages. If his manager wants a player, he can go out and get him.
Another point to consider is that the regulations surrounding wage expenditure only relate to revenue distributed centrally by the Premier League. This means that if Short and his staff can increase revenues elsewhere, then additional money can be spent on players and wages. This is an area where the club has been particularly active with prominent deals in Africa at the forefront of efforts to boost revenues around the globe.
With this in mind and a bumper new television deal about to enrich clubs yet further, it would be wonderful to think that Sunderland and indeed other Premier League clubs would look to cut ticket prices for supporters. The new regulations ensure all of the television money cannot make it's way into players' pockets and with Short in charge - a man who has always valued the Sunderland support and the importance of big crowds - perhaps it is not unrealistic to hope for a reduction in prices. Of course, the American is a businessman and won't want to lose money, but if he sees a full, atmospheric stadium as a way to enable success at the club, then more affordable tickets could be seen as a way to achieve that.
Undoubtedly there is an element of self-interest at the heart of these guidelines, both for the clubs and their owners. Short is no different. He will not want to see his money thrown away without some form of return but this is no bad thing. A self-sufficient Sunderland - or one on the way to that goal - is certainly better than one built in the mould of a club like QPR.
In fact, the timing of the new regulations is particularly apt, coming on the back of another spending spree by the West London club. QPR have inflated the market for wages by offering vast sums of money to players, spending beyond their means in the process. If this was allowed to continue, it would encourage other clubs to abandon sensible economic models in an attempt to compete. Then there is the question of how fair it is for a club who get modest crowds and revenue to benefit from a rich owner, while other clubs try to operate within their means. The need for regulation has been highlighted once again. This time, concerns have been addressed and if there is a criticism here, it's that the measures don't go far enough.
Sunderland supporters can take heart from the fact Ellis Short has been at forefront of these matters. His actions display commitment to the club and the direction he is taking it in is a positive one. These rules give us an opportunity to be more competitive financially and subsequently on the pitch. Ultimately, as fans, that's all we can ask for. | 6,740 | 3,161 | 14,279.588738 |
warc | 202143 | “So just what has got mathematicians spooked? Apart from 2 and 5, all prime numbers end in 1, 3, 7 or 9 – they have to, else they would be divisible by 2 or 5 – and each of the four endings is equally likely. But while searching through the primes, the pair noticed that primes ending in 1 were less likely to be followed by another prime ending in 1. That shouldn’t happen if …
Science
Religion’s smart-people problem: The shaky intellectual foundations of absolute faith – Salon.com: “But we shouldn’t be deceived. Although there are many educated religious believers, including some philosophers and scientists, religious belief declines with educational attainment, particularly with scientific education. Studies also show that religious belief declines among those with higher IQs. Hawking, Dennett and Dawkins are not outliers, and neither is Bill Gates or Warren Buffett.”
“With the help of James Jubilee, a former American arms control officer and now a senior science and technology coordinator for health issues in Kazakhstan, Dr. LaPorte tracked down Mr. Dey through the State Department, and his images and documentation quickly convinced them of the earthworks’ authenticity and importance.” Source: NASA Adds to Evidence of Mysterious Ancient Earthworks Get to writing, someone. I want to read this book and how humanity is shaken to its …
“If you are arguing against climate change, vaccines, evolution, etc. you do not get to invoke Galileo because in any accurate analogy, you are the religious fanatics (or the astronomers who blindly clung to Aristotle).” Source: No one thought that Galileo was crazy, and everyone in Columbus’s day knew that the earth was round | The Logic of Science If only I had a dime for every time I’ve encountered the “Yeah? Well, everyone thought …
“Whatever new technologies are on the horizon, history has taught us that Reed-Solomon-based coding will probably still be there, behind the scenes, safeguarding our data against errors. Like the genes within an organism, the codes have been passed down to subsequent generations, slightly adjusted and optimized for their new environment. They have a proven track record that starts on Earth and extends ever further into the Milky Way. “There cannot be a code that can …
“If people do that and remain or become evangelical, I’m OK with that. So long as they don’t hurt and exploit others, especially the poor, the oppressed, and the marginalized. If they remain or become Catholic, AOK. If they remain or become Muslim, Jewish, Buddhist, Hindu, pagan, agnostic, atheist, or anything else, I really don’t care. I care only that (a) they think about it and (b) they actively love others and do good to …
“This image, captured with the NASA/ESA Hubble Space Telescope, is the largest and sharpest image ever taken of the Andromeda galaxy — otherwise known as M31.This is a cropped version of the full image and has 1.5 billion pixels. You would need more than 600 HD television screens to display the whole image.” via Sharpest ever view of the Andromeda Galaxy | ESA/Hubble. I had to download the 4.3 GB file. For science.
Much as the sonorous tones of a cello arise from the vibrations of the instrument’s strings, the collection of nature’s particles would arise from the vibrations of the tiny filaments described by string theory. The long list of disparate particles that had been revealed over a century of experiments would be recast as harmonious “notes” comprising nature’s score. via Why String Theory Still Offers Hope We Can Unify Physics | Smithsonian.
The Sun is directly overhead of the Tropic of Capricorn in the Southern Hemisphere during the December Solstice. The December Solstice occurs when the Sun reaches its most southerly declination of -23.5 degrees. In other words, when the North Pole is tilted furthest – 23.5 degrees – away from the Sun. via TimeAndDate.com At 6:03 PM EST last night, our geographic location was the furthermost position away from the sun that it will be until …
I was excited to see Interstellar last weekend. I’ve always been impressed with Director Christopher Nolan’s movies and the artistic vision he has brought to everything from Batman to Inception. It’s hard to write a full review of something as expansive as Interstellar, especially since I’m not a film critic and there are a number of supposed plot twists, surprises, and a “big reveal” at the end that I’m guessing was supposed to move viewers …
Fun read… A look into the deep, dark, strangely complicated world of Simpsons mathematics. via Homer's Last Theorem – Boing Boing.
They estimate that somewhere between 30% and 50% of the water in Earth’s oceans must be older than the Sun. via Earth Has Water Older than the Sun – Scientific American.
Almost missed it… Philosophiæ Naturalis Principia Mathematica, Latin for “Mathematical Principles of Natural Philosophy”, often referred to as simply the Principia, is a work in three books by Sir Isaac Newton, in Latin, first published 5 July 1687 via Philosophiæ Naturalis Principia Mathematica – Wikipedia, the free encyclopedia.
Thanks to Steven for passing this on…
Amazing that we are still discovering important aspects of our solar system that totally change how we look at our cosmic neighborhood.
Watching the new Cosmos on Fox (Newton episode) and really miss being an 8th grade science teacher now.
That humans have confirmed the Higgs boson and much of the underpinnings of the inflationary nature of the universe shortly after the Big Bang (gravity waves!) in the last two years (not to mention other advances in biological, psychological and sociological sciences) in a time of scientific budget cuts and anti-scientific thinking in our country gives me great hope for our species in this still young century. We’re explorers, and these understandings of the universe …
Chilling to see the results of Chernobyl still working themselves out in the natural world… “Apart from a few ants, the dead tree trunks were largely unscathed when we first encountered them,” says Timothy Mousseau, a biologist at the University of South Carolina, Columbia, and lead author of the study. “It was striking, given that in the forests where I live, a fallen tree is mostly sawdust after a decade of lying on the ground.” …
Merianna and I were watching House of Cards Season 2 and I happened to be sitting on the floor playing with the pups when I remarked “was that an earthquake??” Turns out… yep.
Whatever you’re doing right now, stop it. And go look (watch) this amazing production: Planet Money Makes A T-Shirt. Code is on GitHub. | 6,961 | 3,529 | 12,996.891187 |
warc | 202143 | Laptop batteries are made of lithium cell which is mostly made of smaller individual cells like your AAA Energizer batteries stacked together in a circuit. They last about 2 years and slowly degrade with shorter and shorter charge cycles.
You should replace your laptop battery when a full charge does not even last one and a half hours. For this discussion, we will not discuss how to replace the inner batteries (US18650BR) of the laptop battery but replacing the entire module which a layman can do DIY.
Replacing the inner batteries will require soldering skills to unsolder and reball the inner circuitry. If done improperly can cause a meltdown and exploding batteries. Therefore we would like you to refer to this page before trying that.
Batteries can be purchased from Aliexpress as long as you know your model number which is written on the consumer website for example dell. Just key in your model number and they will show the battery with sometimes a higher capacity version or a standard version. Select and allow them to post it to you.
Once the battery is posted to you and if still can’t figure out how to get it done. Please refer to this website for some tips on how you can do it easily. But basically, it should be a unlock and pop out the battery.
Unplug the charger, turn over your laptop and locate the battery on the backside of the laptop. It may have two buttons like mine. There should be a rock, push it outside. Similarly, push the other button in the opposite direction and the battery will come out. IF
Your battery life does not increase after a new battery change. You might want to bring it to have the motherboard checked. Sometimes certain parts have shorted in your laptop and can cause the entire set to be running inefficiently. Laptop fans which also have not been cleaned in a long time can cause your notebook to be hotter, running at a higher speed which consumes more power.
IF
You don’t want to spend money to change your battery, you can try these 2 tricks and hope it works.
The Freezing Method
This method has seen a little success but apparently, you can freeze your laptop’s battery to get the most juice out of it. You might have seen similar strategies in action movies & TV shows. If you want to replicate, here is the method –
Step 1: Remove your battery from the laptop and put it in a plastic bag or ziplock and seal it. Step 2: Go ahead and put the bag into your freezer and leave it there for about 12 hours. People suggested you get more success with keeping it in the freezer for a little longer but If I were you, I won’t put for more than 24 hours. Step 3: Once the time passes, take out your battery and remove the plastic bag. Now, let the battery warm up naturally to reach your room temperature, you can wrap around a towel and wipe any condensation to speed up the process. Recalibrate Your Battery
In many cases, you get the false battery percentage data on your OS. It shows 100% charged when your laptop’s battery is only 85% charge or shows your battery will last for 35 minutes while it is actually going to last just 15 mins or 60 minutes. To resolve these issues, you need to recalibrate your battery. A lot of manufacturers have provided recalibration tools for specific laptop models. Just google with computer model + battery calibration and you will find the official tool available for your laptop. Here’s an example tool from Sony.
You can also manually recalibrate, the steps are simple and straight-forward, check below –
Step 1: Perform a full charge of your laptop. Let the battery percentage reach 100% or the maximum it can. Now, leave it on power for 2 hours. Step 2: Now disconnect the power and let the battery drain. There seem to be two views about how to do this. You can either let the battery run down all the way until the laptop dies or you can set it so that it goes to sleep or hibernates around 3 to 5%. Either way, you want to make sure the display stays on until it either dies or goes to sleep. Step 3: Keep the laptop turned off for another 3 to 5 hours. Step 4: Now, turn the laptop on and charge it full 100%. This battery recharge cycle will hopefully resolve the calibration issues with your battery. What to Do with Your Old Phone?
Before you sell your phone or recycle your phone by giving it away. This is what you will need to do to ensure your data does not get leaked and any personal data were stolen.
1. Factory Reset
Simply deleting your files and data from your mobile devices does not remove the information completely. You should perform a “factory reset” to remove all files and data from your mobile device and bring it back to the state when it was freshly produced from the factory.
Check out your mobile device’s manual to find out how you can perform a “factory reset” on your mobile devices.
2. Remove your External Storage Media
A number of mobile devices allow the storage of data on external storage media (e.g. SD cards, mini SDs or micro SDs) to provide more storage space. External storage media are usually used to store files such as photos, music, videos, and many other personal information. Never dispose your mobile devices together with the external storage media. If you are not reusing them, either perform a secure erasure on it or destroy it physically!
3. Physically Destroy Old SIM Cards
Performing “factory reset” on your mobile device does not remove information stored in your SIM card. If you are not reusing your SIM card from your old mobile device on your newly acquired gadget, destroy it physically by shredding it!
4. Dispose Your Mobile Devices Responsibly
You should dispose your mobile devices responsibly in an environmentally friendly way. Or if you don’t have any ideas you can recycle your phone with BFN. They are environmentally friendly and will sometimes give you a little more cash for some models. You may also consider other recycling options; you can find a list of collectors and traders for recyclables on the National Environmental Agency (NEA)’s website (http://www.nea.gov.sg/energy-waste/3rs/collectors-traders-and-local-recycling-facilities).
5. Trade-In your Mobile Devices
Most telecommunications companies like Singtel or Starhub allow you to “trade-in”, providing a discount on your next purchase. | 6,402 | 2,890 | 13,909.397232 |
warc | 202143 | We understand that many people who choose to major in environmental studies, geography, or sustainability science like to be outdoors. Many also like hands-on learning. Some want to transition directly to a paying job while others want to move on to graduate school. Here at Keene State we create numerous kinds of augmented learning opportunities for our diverse range of students.
Field Courses
The ESGS department regularly offers courses where students learn by getting out and studying processes in the real world. In addition to the field trips around New England that we incorporate into regular classes, we also strive to give our students a global experience. In the past few years faculty have led ESGS student field courses to destinations like Japan, Hawai‘i, Arizona, China, Nepal, Cuba, and Chile.
Internships
One of the popular ways that ESGS students at Keene State College supplement their learning is to do an internship. Faculty have connections with many institutions that offer students paid and unpaid internships. It is also possible to earn course credit by doing an internship.
Every summer, our partner, the Harris Center for Conservation Education, offers four paid summer internships. These students work together on a variety of ecosystem inventory and monitoring projects including vernal pool registration, easement monitoring, trail work, habitat management, and more.
Student Research Opportunities
Many faculty have research projects with opportunities for undergraduate research assistants. Most of these positions are paid. Students participate in the research design, data gathering, data analysis, writing up results, and presenting results are conferences. For more information about these, check the faculty pages.
Study Away
Study away programs offer students a chance to benefit from living and learning in a new place. Keene State hosts students from all across the USA and the world. Popular places for environmental studies students to study away at are Alaska, Montana, Nepal, and Australia, to name a few. Classes taken at colleges away count for credit at Keene State College.
The Global Education Office maintains a website with a list of all pre-approved transfer courses, but more can be added upon demand. | 2,274 | 1,149 | 4,466.856397 |
warc | 202143 | In this groundbreaking book Kent E. Calder argues that a new transnational configuration is emerging in Asia, driven by economic growth, rising energy demand, and the erosion of longstanding geopolitical divisions. What Calder calls the New Silk Road-with a strengthening multi-faceted relationship between East Asia and the Middle East at its core-could eventually emerge as one of the world's most important multilateral configurations. Straddling the border between comparative politics and international relations theory, this important book will stimulate debate and discussion in both fields.
eISBN: 978-0-300-18331-3
Subjects: History, Political Science
Table of Contents
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warc | 202143 | The “Lift Sanctions, Save Lives” network is lobbying Congress to do what it should have done years ago: assess the impact of economic sanctions now routinely applied to ally as well as adversary. Such a review is long overdue.
Economic sanctions have become a new global battlefield. In July Beijing targeted several organizations and individuals, including former Commerce Secretary Wilbur Ross, in retaliation for earlier U.S. penalties. In January Beijing sanctioned 28 former Trump administration officials, including Secretary of State Mike Pompeo, as the Biden administration took over. In March, after the European Union penalized Beijing for suppressing political liberty in Hong Kong, the Xi regime retaliated against a number of Europeans, including members of the European Parliament.
The Chinese actions had little practical impact – preventing Pompeo and Ross from traveling to Hong Kong is not much of an inconvenience. (Ironically, they deserve to be sanctioned by Americans for their awful performance in office!) Moreover, Beijing’s action, though popular at home, backfired internationally. For instance, the European Parliament effectively killed a pending investment agreement.
Nevertheless, the whining about China’s action is striking. Americans and Europeans declared economic war on the proud, nationalistic People’s Republic of China, and were surprised when it struck back. Who knew that the PRC would dare act like … America!?
Of course, Beijing remains but a babe when it comes to applying sanctions. The US is by far the world’s cruelest and most prolific practitioner of economic warfare, which these days mostly means starving desperate civilians under impoverished dictatorships. Congress appears to be constantly looking for foreign peoples to target, based on the bizarre assumption that if the US punishes civilians already ravaged by civil war, political oppression, and socialist economics, the reigning autocrats will immediately apologize, disarm, liberalize, democratize, and ally with America.
Unfortunately, despite widespread expectations to the contrary, this theoretical political unicorn has yet to make an appearance. Washington currently is applying economic and/or financial sanctions on Cuba, Venezuela, Russia, Syria, Iran, and North Korea. The US also has imposed more limited penalties on states ranging from China to even Germany. Although Washington has further immiserated the victims of some of the world’s worst governments, none of the oppressors has yielded. None.
Heck’uva job, Uncle Sam!
Nevertheless, Washington keeps trying. While exempting murderous allies like Saudi Arabia from penalty, hardly a day goes by without the US sanctioning another country, company, or individual. Attempts to lighten, let alone eliminate, existing sanctions are shouted down by lobbies convinced that just a little more effort, a tiny tightening of the rules, will finally bring surrender or collapse, followed by the flourishing of a new democratic Garden of Eden whose residents will be properly grateful to America for its benighted intervention.
What makes US sanctions uniquely punitive is an international financial system disproportionately dependent on America. In 1986 Congress, frustrated that a quarter century of sanctions had failed to cow the Castro brothers, targeted European firms investing in Cuba. America later pioneered in Sudan the use of financial sanctions, which were applied to anyone with the slightest connection to the US banking system.
Washington is deadly serious about sanctions. They are sometimes presented as a moderate, peaceful alternative to war, yet their consequences can be as lethal as war. Which is why US officials have turned to sanctions as the new normal. Their very harshness makes them attractive to policymakers.
This was illustrated by the infamous exchange between Leslie Stahl of
60 Minutes and America’s United Nations Ambassador Madeleine Albright. When asked to justify the death of a half million Iraqi children due to sanctions, Albright’s response was chilling: “We think the price is worth it.” She later acknowledged that her words were impolitic in the extreme – she won few friends in the Mideast by admitting that Washington knowingly killed hundreds of thousands of Muslim kids to advance US policy – but she never repudiated the notion that she and other US policymakers were entitled to casually sacrifice the lives of others for American geopolitical objectives.
This attitude lives on with the architects of today’s starvation sanctions most brutally applied to Syria and Venezuela. For instance, James Jeffrey was a “never-Trumper” diplomat appointed by the Trump administration to deal with Syria, with predictably disastrous results. He actively undercut administration policy while channeling Albright-style cruelty. He admitted lying about the number of US troops in Syria to thwart the president’s expressed desire to withdraw. Worse, he supported sanctions on the Syrian people, victims of years of civil war, in order to use their misery – impoverishing them and preventing reconstruction – to pressure the government. The Syrian people were but a convenient way to create his desired “quagmire” for Russia. He indicated no concern for the Syrians who were suffering. After all, “the price is worth it,” in the view of Washington’s masters of the universe!
Needless to say, Jeffrey’s vicious policy failed as badly as did Albright’s. But neither were inconvenienced by their own failure or the hardship they caused others. The Washington “Blob” takes care of its own. Albright, a living symbol of sanctimonious arrogance at its worst, has become an elder stateswoman, routinely trotted out to add vacuous gravitas to various meaningless events and panels. Jeffrey left Syria a horror show but picked up the usual well-paid, high-status sinecure with one of the national capital’s venerable think tanks – filled with similar staffers, almost always pro-war, usually wrong, and never repentant, no matter how high the body count they left behind.
Indeed, the Trump proclivity for “maximum pressure” campaigns offered a significant test of the value of US economic sanctions in forcing significant political change in other nations. The experience of Russia, Venezuela, Syria, Iran, North Korea, and Cuba, all of which faced substantially increased sanctions, was US zero, adversaries six. Nor did adding in countries facing lesser sanctions, most notably China, help. In those cases Washington did enough to irritate target nations but not enough to cause them serious injury.
It is time for Washington to consider the impact of US sanctions – their failure to achieve their purported ends and terrible harm caused to the most vulnerable populations. Rep. Jesus “Chuy” Garcia advanced an amendment mandating an assessment by the Government Accountability Office that was adopted by the House to the National Defense Authorization Act.
The provision calls for: “[a] report on all comprehensive sanctions imposed on de jure or de facto governments of foreign countries, and all comprehensive and targeted sanctions imposed on non-state actors, including individuals, organizations, or other entities, that exercise significant de facto governmental control over a foreign civilian population, under any provision of law.” The required study would cover humanitarian impact, national security purpose, success rates, and enforcement prospects.
A coalition of peace, humanitarian, and related groups is pushing to ensure that the provision survives in the conference committee. The activists argue: “Impact assessments provide valuable information to ensure that U.S. foreign policy advances US interests while protecting innocent civilians and maintaining channels for humanitarian organizations to continue their work. This issue is even more important as populations around the globe continue to manage the shared threat of the COVID-19 pandemic.”
In fact, passage should be a no-brainer. Such assessments should be conducted regularly on all sanctions imposed by the US government. The only logical opposition would come from the Albrights and Jeffreys, who lose when their cruel yet ineffective policies are publicized. A policymaker might not mind if a half million children elsewhere are killed – in Washington such an event is viewed as the inevitable collateral damage when the great American republic, leader of the free world and all that, selflessly acts to save humanity and Western civilization. However, few policymakers want to be known publicly to hold that view. Hence Albright’s regrets over admitting the truth. It is well past time for a very public evaluation of Washington’s sanctions policy.
Until recently US policymakers only restricted the behavior of Americans. No one in Washington imagined that they were authorized to regulate other peoples. However, that understanding changed as the capital turned into an ostentatiously imperial city, dedicated to world domination. Washington, D.C. now is filled with wannabe masters of the universe, determined to rule over others wherever they live.
Unfortunately, the consequences of US sanctions policy have been horrid. After two decades of costly yet largely failed endless war Washington policymakers should learn the virtue of humility. America’s sanctions policy is both costly and cruel, with the gains rarely worth the resulting human harm. The Biden administration should review current policy and sharply limit the use of economic sanctions.
Reprinted from Antiwar.com | 9,820 | 4,540 | 20,693.378855 |
warc | 202143 | As your assets grow, there may eventually come a time where you don’t feel comfortable managing them on your own. That’s where private asset management comes in. A private asset management professional works directly with clients to manage their investment portfolios and help them reach their financial goals.
Wondering whether private asset management is right for you? In this article, you’ll learn what private asset management is, how it works, what it costs, and more.
What is Private Asset Management?
Private asset management is a service that many advisory firms offer where they provide financial advice and portfolio management to individual clients. Private asset management professionals build an investment portfolio to help their clients reach their short and long-term financial goals. While some firms may offer asset management services to many different clients, it’s common for firms to offer these services specifically to high net worth clients.
Read More: How to Calculate Your Net Worth What is a Private Asset?
As we talk about private asset management, it’s also important to discuss what exactly a private asset is. According to the Securities and Exchange Commission, an asset is “any tangible or intangible item that has value in an exchange.”
While the term asset can refer to anything with value, in the case of asset management, we’re generally talking about financial assets that you invest in with the expectation of a return.
The three primary assets are stocks, bonds, and cash. These assets come in several forms, including being found in the form of pooled investments like mutual funds and exchange-traded funds. In most cases, private asset management will involve the management of portfolios that include these core asset classes.
That being said, stocks, bonds, and cash aren’t the only types of assets you might find in private asset management. An individual’s portfolio could also include alternative investments like private equity, hedge funds, derivatives, and more. A private asset management professional could also manage those investments on behalf of a client.
How Asset Management Works
When an asset manager works with a client, their job is to build and manage an investment portfolio that will help the client to achieve their financial goals. The relationship between the asset manager and client will start with the manager learning about the clients:
Financial goals: What are their investment objectives? For many clients, their investment goal is a comfortable retirement, but they may have other objectives as well, including charitable giving or saving for a child’s college education. Time horizon: Asset managers also consider a client’s time horizon when they build a portfolio. A client’s time horizon is the amount of time before they expect to need the money in their portfolio. Risk tolerance: Each client will have their own risk tolerance. Some will be okay taking more risk for a higher potential return, while others will choose a low-risk portfolio with the understanding that their returns will also be lower.
Once an asset manager has identified a client’s goals, time horizon, and risk tolerance, they’ll use that information, along with other factors, to build a portfolio. For many clients, portfolios will include stocks, bonds, and pooled investments. High net worth clients may also have portfolios that include private equity, hedge fund investments, and more.
Once the asset manager builds a client’s portfolio, their job isn’t done. They’ll continue to manage the client’s portfolio on an ongoing basis, considering factors like taxes, investment growth, returns, and more.
Who Manages Private Assets?
There are plenty of major financial companies that offer private asset management services to individuals with various levels of assets.
First, an asset management firm is a company that manages the assets of its clients.
Within each asset management firm are the financial professionals who manage clients’ portfolios. In the world of finance, there are plenty of titles that professionals can use. These financial professionals often use titles like asset manager, wealth manager, or financial advisor.
While financial professionals can go by many different titles, there are some things that set them apart. For example, some asset managers are fiduciaries. A fiduciary is an individual or organization that has a legal and ethical obligation to act in the best interest of its clients. Financial professionals who are held to the fiduciary standard are held to a higher standard than other financial professionals, meaning they must choose investments that are in your best interest, rather than just those that are suitable.
In addition to the fiduciary standard, there are plenty of other credentials that financial professionals can have to set them apart. Some examples include Certified Financial Planner (CFP) and Chartered Financial Analyst (CFA).
When you work with an asset manager, they will usually disclose any credentials they have, as well as whether they are a fiduciary.
Costs Associated with Private Asset Management
When you hire a financial professional to manage your assets, it comes with a price tag. The cost and fee structure of private asset management will vary depending on the firm you hire. Some of the fee structures that asset management firms might use include:
A percentage of assets under management
A flat fee An hourly fee Commission A combination of any of the above fee structures
A percentage-based fee of assets under management is one of the most common fee structures for asset managers. Many managers charge a fee of around 1% of assets under management each year. For example, if you had $100,000 under management, then your annual fee would be $1,000. That being said, some firms may charge fees that are significantly higher or lower than 1%.
Remember that even if your asset manager charges a percentage of assets, that likely won’t be your only cost. Individual investments also have costs associated with them, which you may pay when you buy or sell the asset, or on an ongoing basis.
Getting Started with Private Asset Management
As your assets begin to grow, you might find that it’s time to hire a private asset management professional to help manage your portfolio and ensure you’re on the right track to meet your financial goals. But with so many firms on the market, it can be challenging to know which is right for you.
Personal Capital offers wealth management services from a portfolio management team and licensed advisors held to a fiduciary standard, who can provide financial advice and professional portfolio management.
Personal Capital takes a hands-on approach with services such as smart weighting, tax optimization, intelligent rebalancing, and dynamic portfolio allocation. We even offer socially responsible investing for investors who want their portfolios to reflect their personal values.
Author is not a client of Personal Capital Advisors Corporation and is compensated for the content contained in this article.
The content contained in this blog post is intended for general informational purposes only and is not meant to constitute legal, tax, accounting or investment advice. Compensation not to exceed $500. You should consult a qualified legal or tax professional regarding your specific situation. Keep in mind that investing involves risk. The value of your investment will fluctuate over time and you may gain or lose money. Any reference to the advisory services refers to Personal Capital Advisors Corporation, a subsidiary of Personal Capital. Personal Capital Advisors Corporation is an investment adviser registered with the Securities and Exchange Commission (SEC). Registration does not imply a certain level of skill or training nor does it imply endorsement by the SEC. | 8,007 | 3,143 | 20,018.773783 |
warc | 202143 | Newbury Park is a nice place to live, if you work within 15 miles of your home. If your job is in LA, Hollywood, Beverly Hills or Santa Monica or more than 15 miles away, you will hate the commute. But it’s an south of Santa Barbara, which is gorgeous. 45 minutes to the beach.
Thousand Oaks is a quiet, upscale community that’s just an hour up the 101 freeway from the hustle and bustle of Los Angeles. If you’re thinking about moving to Thousand Oaks, join us as we find out what makes this city so easy to love and hard to leave — and one of the best…
Atherton Atherton is a small community in San Mateo County about 30 minutes south of San Francisco. With a median transaction price of $7 million per home last year, Atherton ranked #1 as the most expensive place to live in California (as well as in all of America).Jul 3, 2021
“The Master Plan process was initiated due to a widespread recognition that the city of Thousand Oaks currently lacks an active or identifiable downtown — a destination for Thousand Oaks residents and visitors — a place where residents can meet, shop and engage in civic and entertainment activities in a public setting, Jun 21, 2018
As part of one of the wealthiest, safest, and healthiest counties around, Thousand Oaks is a cut above the rest. Yes, it’s an expensive place to live, but when you factor in the fantastic suburban lifestyle and numerous opportunities it offers, it’s an easy decision to move here.Mar 30, 2020
In Thousand Oaks, the median monthly income is $119,684 for those who own their own homes. Under the standard rule, that income level would allow for $2,792 to be budgeted for housing expenses each month, at the most. Renters, on the other hand, earn about $68,992, per the median income in the area.
Thousand Oaks has an overall crime rate of 12 per 1,000 residents, making the crime rate here near the average for all cities and towns of all sizes in America. According to our analysis of FBI crime data, your chance of becoming a victim of crime in Thousand Oaks is 1 in 84. | 2,095 | 1,104 | 3,865.502717 |
warc | 202143 | So you’ve decided to eliminate dairy? Does that mean you have to give up butter? Yes and no. There is ghee! If you haven’t heard of ghee, you’re in for a treat. If you have heard of ghee but don’t know why you would use it or what it is, here’s the 4–1–1.
Ghee
is butter. It’s just clarified of the milk solids that remain in traditional butter. It means that in essence, it is considered to be “dairy free”, but allows us to continue making foods with that yummy buttery taste.
For those who want to be dairy free and are willing to pay the price, ghee is available to buy in most grocery stores. Walmart actually has a brand that they carry and can be found in the baking aisle, just near the oils. Other stores carry it often in the dairy case by the butters. Trader Joe’s sells ghee in the oil aisle, for a bit of a lower price than most others around. It’s not my personal favorite, but it works if you’re looking for a good value.
If you are a bit sticker shocked by the price of ghee and just can’t get yourself to spend the money, I wouldn’t blame you. Good news! You can make your own ghee for a fraction of the price. The best part is, it really isn’t difficult at all.
And, if I told you it could be made in your crockpot, would you do it? I thought it sounded crazy, until I tried it. The first time I made my own ghee I was amazed to see that it actually worked! The milk solids literally fell to the bottom of the dish, leaving a clear, golden, buttery liquid on top. Ghee is that liquid left on top. Once you can separate out the milk solids, ghee can be stored in the refrigerator, just like butter.
The biggest question people seem to have is what kind of butter do you use to make ghee? Do you need to use grass-fed butter? No, but anything from grass-fed cows is always better. However, if you can’t find grass-fed butter to start with, buy the highest quality butter you can find. I use Kerrygold Unsalted Irish Butter.
Watch out for my recipe my first video to come soon to show how to make ghee. You’ll be amazed at how easy it is, and how it helps out the grocery budget.
So does ghee replace those great buttery spreads you like to put on your toast in the morning? Not really. We have tried that, but it just isn’t the same. The bigger question is do I actually need to be eating that toast in the first place? Probably not. That’s a conversation for another time, but if you intend to still enjoy toast and want to be dairy free, there is another alternative. Try Earth Balance Soy-Free spread. It works great for those who just can’t see to get toast out of your diet.
So if you haven’t found a good substitute for traditional butter in your kitchen and are trying to live dairy-free, give ghee a try. | 2,849 | 1,391 | 5,587.398994 |
warc | 202143 | Innovative technology to track, trace and record the trading in recyclable materials is being rolled out across South Africa. The move is set to empower recycling SMMEs, strengthen the value chain and promote the economic inclusion of the informal sector. In a move set to revolutionise how recyclable materials are traded, tracked and traced in South Africa, an innovative … [Read more...]
The 10th annual Eco-Logic Awards hosted by the Enviropaedia will present its second virtual event on 3 November 2021. A highlight of the annual green calendar, the Awards recognise South African businesses, communities, and individuals working toward an environmentally sustainable future. Strategically held in conjunction with the upcoming COP 26 summit in Glasgow, the … [Read more...]
Residents of Kommetjie and Simon's Town can now make use of a special, safe recycling initiative in their area. This new project, says organisers, will also help the local economy. “We have been working in the area for a number of years already and we understand the unique challenges that residents face in the area when it comes to the safe handling of recycling material. … [Read more...]
In South Africa, 10 million tons of food goes to waste every year and ends up in landfills. That’s a third of the 31 million tons produced annually in South Africa. Fruit, vegetables and cereals account for 70% of the wastage. Meanwhile a quarter of our population is going hungry every day, with another quarter at risk. The food wastage facts are documented in a WWF … [Read more...]
Whether you’re sending an email, searching the internet or even just storing your messages, it may all seem perfectly harmless, but the environmental consequences are real. What is digital pollution and how can we reduce our impact? Digital pollution is the pollution created by the use of electronic devices and by web browsing in particular. This pollution largely emanates … [Read more...]
There are many benefits to wearing a good pair of vinyl gumboots. Apart from their ability to keep feet dry because they are water-resistant, gumboots also provide good grip, sole support and flexibility that makes the boots comfortable to the wearer. PVC gumboots are easy to clean, help avoid the build-up of bacteria and will even shield volunteers from insect or snake … [Read more...]
A new state-of-the-art 1.3MWp solar power plant will power green recycling for the African continent. Extrupet is one of the largest and most advanced recyclers of plastics on the African continent and recycles more than 4 million PET bottles every day at their Wadeville facility. With the switch to renewable energy, Extrupet has become one of the first companies in the … [Read more...]
According to a Mail & Guardian article published in 2019, only 58% of Africans have heard the term “climate change,” while four in ten Africans have never heard the term before. Jack Mazingira, Founder of a community-based organisation located in the slums of Nairobi called Towards Green Environment, has seen climate illiteracy first hand. As a trained Climate Reality … [Read more...]
Nurturing sustainable design and production processes could unlock global growth for South Africa’s fashion sector, as the industry looks to revive local textile and manufacturing capabilities that prioritise both social and environmental wellbeing. This is the view of sustainability consultants Sarah Botha and Laura Llonch, who in collaboration with STADIO School of … [Read more...]
Responding to its no-show at the ministerial meeting on a proposed global plastics treaty, Greenpeace Africa, groundWork and WWF have expressed deep concerns at the unwillingness of the South African government to showcase the country’s leadership and willingness to tackle plastic pollution on a global platform. As the world moves away from linear to circular economy models, … [Read more...]
Across South Africa, and the world are a group of determined women who come from an impoverished community that you may have never heard of. These are Woman Waste Pickers. They search high and low for recyclables that can be transformed from waste into a source of limitless creative potential. Inspired and motivated by the women Waste Pickers of Phalaborwa, South Africa, who … [Read more...]
Entries are now open for the 2021 Best Recycled Plastic Product of the Year Awards. Owing to the COVID-19 pandemic, this year’s awards ceremony will be a virtual event that takes place on Thursday, 14 October 2021. During the event, the recycler of the material, the manufacturer of the product as well as the brand owner will be acknowledged. Each category will have a winner … [Read more...]
As Kenya marks the fourth anniversary of the ambitious plastics ban much has been achieved including limiting the pollution by carrier bags and the president's directive in protected areas but, still more needs to be done. Greenpeace Africa applauds the gains that the country has made and urges the government to urgently ‘’pronounce its support for the global plastic … [Read more...] | 5,205 | 2,504 | 10,551.34984 |
warc | 202143 | By International umpire Michelle Phippard
In the wake of the Toby Greene AFLM incident, some football experts have opined that suspending players who abuse umpires isn’t the way for the sport to retain its officials.
Rather, they claim the answer is more money for those at the top. The prospect of earning six figures as an umpire should be enough to keep community umpires in the game – not cracking down hard on inappropriate behaviour.
I’m guessing that it’s been a very long time since these men have picked up a whistle … if indeed they ever have.
The suggestion that the mere possibility of big bucks at the elite level is going to be sufficient incentive for umpires to withstand years of disrespect through the grassroots ranks, in the hope of a reward they may never receive, is frankly delusional.
But at the same time, it does raise a valid question – is the investment sport makes in officiating equal to the expectations it places on its officials?
Why can’t we have both – zero tolerance for abuse and adequate support and reward for the hardest job in the game?
It’s a fact that in the “theatre” of sport, the umpire plays the role of the pantomime villain.
Part of the price of admission, it seems, is the right to boo and hurl abuse, regardless of whether a decision is right or wrong.
This can be significantly worse at the community level where umpires are less experienced, crowds are shoulder to shoulder and there is little security or support.
And more often than we’d like to believe, verbal criticism spills over into physical confrontation and intimidation.
Even at an elite level, the predilection of broadcasters to publicise “big hits” and controversial decisions exposes umpires unnecessarily to the evils of social media invective.
The suggestion that “this is what they are paid for” misses the very real human toll that this sort of treatment takes – see, for example, the stories of recent retirees like NRL referee Matt Cecchin.
Little wonder, then, that with these sorts of attitudes, sport is struggling to attract and retain officials at all levels.
This is not just about the money that ends up in an umpire’s pocket.
Rather, it’s about investment in the support structures that surround umpiring in terms of giving them what they need to feel safe and secure, as well as helping them to perform at their best.
Sending a message that sport values umpires and is committed to assuring their well-being.
But when the answer is always that “we can’t afford it”, the standard lines about the importance of officials (“no game without them!”) are really just empty platitudes.
Like any business, the sport has finite resources.
It has to choose how to spend them. And this is where we get to see where the real priorities are.
The sad fact is, therefore, that when sport tells umpiring – as it habitually does – that “we don’t have funding for that”, the real message is “we’ve chosen not to spend the money we have on you.”
Let’s be honest – umpires are never going to be the top priority.
In any sport, the players are the star attraction, and they deserve to be paid at a level that recognizes the excellence they work so hard to achieve.
In a sport like netball which lacks the significant financial backing of an AFL or NRL, this consumes a pretty large piece of the pie.
I was thrilled to see publicity for the new netball players’ pay deal in recent weeks, but I was only half-joking when asking – “what about those umpires”?
It remains that for the players to be free to display their skills and athleticism to full potential, equally elite umpiring is required, and this requires genuine and ongoing investment in their physical, psychological and technical development.
A real commitment to recognizing umpires as high performers in their own right demonstrates a level of respect that sets a standard and filters down to lower levels.
Putting real money into these support structures is more important as the first step than extra zeros on the weekly paycheque.
I hope though that the day is not too far away when it is also a question of “why can’t we have both?” | 4,345 | 2,102 | 8,495.694577 |
warc | 202143 | This week the Moderna vaccine begins arriving into 3600 pharmacies across Australia, including regional areas. It will be available for anyone aged over 12.
Until now, the Pfizer and AstraZeneca jabs have been our only option, and they have taken up so much emotional space in the national psyche, it’s almost weird to be bringing in a third wheel.
There isn’t the same thrill about Moderna – and yet, if there has to be a “best” vaccine, the Moderna is possibly it.
Why are we only learning this now?
Two studies, published this week, confirm that the Moderna jab prompts a stronger immune response than our coveted Pfizer jab – and that its efficacy wanes much more slowly.
On Wednesday,
published a study of 5000 US health workers who received either the Pfizer or the Moderna jabs. The New England Journal of Medicine
Both vaccines “were highly effective under real-world conditions in preventing symptomatic COVID-19 in health care personnel”.
But the study found that the Pfizer-BioNTech vaccine had an effectiveness of 88.8 percent, compared with Moderna’s 96.3 percent.
In a study from the Centers for Disease Control and Prevention (CDC), the efficacy of the Pfizer-BioNTech vaccine against hospitalisation fell from 91 per cent to 77 per cent after four months, and following the second jab.
The Moderna dropped from 93 to 92 in the same period: virtually unchanged.
But weren’t they equally good?
The Moderna is a product of new mRNA technology, just like the Pfizer jab, which has something akin to heroic status in Australia. In many people’s minds, the Pfizer was the jab to get. And it’s a great jab, for sure.
You’ve probably read about them being pretty much on par. They appeared to be equally effective.
With new vaccines, though, performance over time reveals limitations, quirks and problems. Comparison become more complicated.
The AstraZeneca has been pummelled as an also ran.
Then studies found that the efficacy of the Pfizer declined.
Punchline: as
The New Daily reported last month, studies had found that over time, two doses of Pfizer and two doses of AstraZeneca were actually on par – in terms of preventing serious illness and hospitalisation.
And now Moderna has flown into Australia.
‘The sledgehammer’ of vaccines
All three vaccines are providing good protection against serious illness and hospitalisation. The big question with COVID-19 vaccines now is that of booster shots.
When should they happen? Who should they be given to? Is the difference between these vaccines a real issue?
In a great piece from
The New York Times, John Moore, a virologist at Weill Cornell Medicine in New York, asks. “But truly, how much does this difference matter in the real world?”
He added: “It’s not appropriate for people who took Pfizer to be freaking out that they got an inferior vaccine.”
Dr Jeffrey Wilson, an immunologist and physician at the University of Virginia in Charlottesville, told the
NY Times: “In high-risk populations, it might be relevant. It’d be good if people took a close look.”
Then he added: “Pfizer is a big hammer … Moderna is a sledgehammer.” | 3,261 | 1,643 | 6,144.891053 |
warc | 202143 | We all love a good handbag or maybe have an obsession with shoes or enough jewelry to never wear twice the same thing! You have a glamorous style to only select and wear the best accessories to match your clothing style. However, how many of us put our fashion accessories into practice every day? Everywhere stylish women have their favorite classic and repeatedly worn wardrobes.
You don't need to start from scratch every time you start getting sick from your day-to-day outfits. The essential wardrobe must live for a long time in your wardrobe (therefore they are worth investing in). However, some of the most basic staples are the most reliable: the little black dress, the white T-shirt, the jeans… You can project your mood, your favorite trend or you are aesthetic of the moment, these are blank canvases. The right accessories are all you need. The must-have accessories in your closet 1) Shoes:
From the quotes that have long been listened to such as "A Woman with Good Shoes is never unhappy" – Coco Chanel the true importance of shoes is determinable
Marilyn Monroe, "Give the right shoes to a girl and the world she can conquer" Jeanine Teega: "Sometimes you can tell a man with a pair of shoes" Shoes are an essential piece of clothing that helps you to make an impact on others. That's a major reason why you have to carefully choose a good pair of shoes. They help you to transmit your person exceptionally. Chic and attractive shoes express your feeling for taste and art and your lack of fashion shows unpleasant, unequaled shoes. 2)Bag:
The designer and luxurious are two words that render handbags irresistible. Every day it is necessary to be your best in a world that judges you by your achievements. Therefore you can receive preferential treatment with the designers' handbag, make them attractive and get them right. The bags and bags are worthy of constructive discussions which can ruin your clothing sense. They tell a great deal about your preparation and make other people hear what you have to say. You can see them.
3)Scarf:
Even when you aren't so much a scarf fan, knowing the different advantages will certainly speak in favor. They are known to be key to the fight against viruses and prevent asthma attacks as well as to protect the skin from damaging UV rays both on cold and hot days, other than warming you in winter. What is the first thing to do when you want to add some interest to an outfit? Accessories! In the sense of cleanliness, with sweat being wiped away, the use of a shaft can be essential if you want to prevent the dust from ruining your clothing outfits, so that is easy to see that it's not simply fashionable, but also a functional element.
Moreover, when it comes to a bad day of hair, you can hide the problem while looking for your best instead of avoiding social activities that day. If you want a monochromatic outfit with some color and pattern, you can trick a shield around your neck, tail, or even around your bag.
4)Sunglasses:
The ultimate fashion accessory is generally recognized as sunglasses. Without stylish aviators or walkers, no outfit is complete. You find a variety of styles and designs online if you want to invest in polarized sunglasses. Over the years fashion icons, fighter pilots, and more have made sunglasses cool. It is mainly because of the history of aviators that they are so trendy and cool. The eyes of the pilots, hence the name, are protected. Because of its relationship with World War I pilots, aircraft were glamorized and considered cool. These pilots have been regarded as courageous risky individuals with cool shades of aviator. Who doesn't want to be like that?
5) Jewellery:
Jewellery is of great value to women and, as human beings have been wearing it for centuries, it is important in the way they live today. It only grows with time as new styles and designs come onto the market. The majority of females do not have the option of attending special events like weddings, graduations, awards ceremonies, birthdays, or anniversary dinners without wearing jewelry. Without some pieces of jewelry, they would feel sweet and under-dressed. Jewelry is capable of showing the best of a person's characteristics when the right piece is worn by the right person on the right occasion. For women, it is important to feel lovely, stylish, special, and confident. In the end, it plays a big part in making a woman feel comfortable, which is why for many women it is so valid.
6)Headwear: Question: Why wear hats for most people? Response: For style and explanation reasons.
Style sense is one reason why hats and caps come from street-inspired to classics in various clothing styles. There are few better ways of accessing than with an astounding fashion tool like a hat if you want to express your individuality. Have fun, have fun, have fun. Be daring and understated. Mix or stand out. Stick together. You have the choice and the options are unlimited. You've heard that, although your body needs vitamin D from the sun, too much sun can damage your skin. You know that your body needs it.
You heard of this whole thing about skin cancer until you could not hear it again. Nobody wants a painful sunburn, even without the fear of cancer. By using sunblock lotions, you protect yourself from the sun's rays. You also have the option of using hats like snapbacks, caps, bucket hats. Chaff that blocks the sun will decrease the risk of skin discoloration and spots, as well as deterring skin cancer on your face. So wear this hat if you want to keep your face fresh and young! | 5,608 | 2,694 | 11,607.352635 |
warc | 202143 | There are signs that Dyson has a new robot vacuum cleaner launch on the horizon. There’s no official word out from the brand but some details have already emerged.
So far, Dyson has released two robot vacuum cleaners: the 360 Eye and 360 Heurist. Their hardware had key points of difference from other brands’ more traditional robot vacuum cleaners. Notably, they’re taller and narrower than your average disc-shaped cleaner. They also feature caterpillar tracks over their wheels.
The 360 Heurist was an upgrade to the Eye: its navigation is smarter, and it has better mapping and more options for customised cleaning and scheduling. So, what will the new robot cleaner bring to (a successful vacuuming under) the table? Here’s what we know.
When will the new Dyson robot vacuum cleaner be released?
As yet, there is no release date set. What information is available has come via The Verge, which discovered that Dyson had filed details of a new product with the FCC. On the filed documents, the new robot vacuum cleaner is just called the RBO3. The FCC filing could indicate that the brand is ready to launch the machine in the US.
In which countries will the new robot vacuum cleaner be available?
We don’t know for sure. However, the Dyson 360 Heurist was not launched in all countries as its design was considered to be incompatible with some styles of living. So it was available to buy in much of Asia and Europe but not in the US, as it wouldn’t work well in the average US home.
This makes us speculate that the new cleaner will have wide availability, although we believe it will be optimised for the US market.
How much will the new robot vacuum cost?
As the 360 Heurist costs £799.99 in the UK, we’d expect the new robot vacuum cleaner to come in at a similar – or slightly higher – price point. In the US, we would anticipate a price point of $1,099.99 or more.
What are the RBO3’s features?
Prior to The Verge’s finding, rumours had begun to swirl about the features that might appear in the next Dyson robot vacuum. Publications including Tech Radar pointed to a patent filed by Dyson for a robot with stair-climbing ability, while other outlets highlighted a patent for a robot with a claw that could grasp objects and potentially open cupboards and drawers.
While Dyson did confirm that it had filed the patents, it made it clear that these are for projects in the not-so-near future – which may or may not even make it to market. We therefore shouldn’t be expecting our next robot vacuum to climb up the stairs in the morning to deliver us a cup of tea before it starts cleaning. (Still, that’s obviously the dream.)
What’s much more solid is the FCC filing, which gives a good sense of what we can expect from a Dyson robot vacuum in the near future.
There are some similarities to previous models. The colourway, for example, is familiar: vivid, coblat blue and nickel, with red accents. The new vac also appears to retain the Heurist’s 360-degree camera and LED lighting ring, which allows it to navigate in the dark.
But there are changes from previous models, the most obvious of which is the shape of the robot vacuum itself, which seems wider and shorter. It also has one flat side, so it has more in common with the Neato Botvac than previous Dyson vacs – superficially, at least.
And, as the label on the top of the machine says, the new vac will be powered by one of Dyson’s new “Hyperdymium” motors. This is the name that Dyson has given to its new brushless motor, which allows it to create powerful, lightweight machines.
We’ll update this article as new information emerges. In the meantime, to find out what we thought of the Dyson 360 Heurist, check out our hands-on review. Or, for more options, have a look at our round-up of the best robot vacuum cleaners we’ve tested. | 3,941 | 1,864 | 8,049.027361 |
warc | 202143 | Key Highlights Median existing home prices jumped another +23.6% y/y in May At $350,300, median existing home prices continued to generate monthly price gains Meanwhile, existing home sales dropped Median Existing Home Prices Continue Climbing Higher & Higher in May
In its latest report on median existing home prices and sales volume, the
National Association of REALTORS® (NAR) indicated that median prices across all existing housing types hit yet another record high of $350,300 in May 2021.
This march to higher and higher median existing home prices y/y in all regions of the country has persisted for 111 consecutive months.
The median existing single-family home price jumped +24.4% y/y to $356,600 in May.
The median existing condo price increased +21.5% to $306,000.
Existing Home Sales Dropped Slightly in May
NAR indicated in this latest report on existing home prices and sales that existing home sales fell for the fourth consecutive month in May. Existing home sales dropped just slightly by -0.9% BUT remained up +44.6% y/y.
Why the sales slippage? Continuing price increases are contributing to a slowdown in the pace of home sales. Lack of affordability is the issue plus there simply aren’t enough homes on the market to meet demand.
Single-family home sales dropped -1% m/m in May however that rate still overshadowed May’s single-family home price by +24.4% y/y.
Existing condominium and co-op sales remained flat with April’s sales numbers.
Lawrence Yun, NAR’s Chief Economist, said, “Home sales fell moderately in May and are now approaching pre-pandemic activity. Lack of inventory continues to be the overwhelming factor holding back home sales, but falling affordability is simply squeezing some first-time buyers out of the market.”
Another indicator that buyers are opting out of the market due to affordability is that mortgage purchase applications are seesawing. Mortgage purchase applications dropped -17% y/y in the week ending June 11, according to the
Mortgage Bankers Association, and then recovered the following week. Market Trajectory “Encouraging”
Despite continued inventory shortages, Yun said he was “optimistic” about the market’s trajectory. “The market’s outlook…is encouraging. Supply is expected to improve, which will give buyers more options and help tamp down record high asking prices for existing homes.”
Inventory Improving?
May’s total inventory hit 1.23M units by the end of May. These 1.23M housing units represent an increase of +7% from April. These 1.23M units also represent a 2.5-month supply, up from 2.4-month supply at the end of April.
Demographics of Sale
First-time homebuyers represented 31% of May sales.
Investors, or second-home buyers, represented 17% of home sales.
Regional breakdowns of sales and prices included:
Midwest– sales rose +1.6% m/m, up +27.2% y/y with a median price of $268,500, an increase of +18.1% y/y Northeast– existing home sales fell -1.4% y/y though still up +46.9% y/y with a median price of $384,300, an increase of +17.1% y/y South– existing sales fell -0.4% m/m though still up +47.2% y/y with a median price of $299,400, an increase of +22.6% y/y West– existing sales dropped -4.1%m/m though still +61.6% y/y with a median price of $505,600, an increase of +24.3% y/y
Thanks to the National Association of REALTORS®, The Wall Street Journal, Mortgage Bankers Association and Inman.
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warc | 202143 | Pests can damage your home. And if you’re a homeowner, you recognize just how difficult it is to get rid of them and keep them away completely.
The most significant problem with
pest control in Tarpon Springs, FL, is that it’s not proactive sufficient. If you want to maintain pests out of your house, you need to inspect the property routinely and also deal with for any indications of infestation.
We will send an expert exterminator directly to your home or business within 24 hr!
We’ll look after every little thing from there to ensure that all you have to do is relax while we service ridding your property of pesky insects like termites, ants, or rodents – whatever the circumstance may be.
Our
pest control experts in Tarpon Springs, FL, are here to assist with every one of your pest-related problems, so give us a call today! Common Pests That We Get rid of
As a pest control company in Tarpon Springs, FL, one of the most usual pests that we get rid of are:
All of these pests can be unsafe to your home and, oftentimes, have the potential to cause food poisoning.
Our Tarpon Springs technicians will certainly inform whether or not this is an emergency and also how long till a pest control treatment strategy is required depending on the extent of the infestation and also any other elements such as pet dogs or children existing in your home throughout treatment.
Why Select Our Tarpon Springs Exterminators
When you’ve got pests in your house, you should get them taken care of as soon as possible. This is why you need to select local pest control specialists to get rid of these pests for you as soon as possible.
Reasons why our clients choose our local pest control experts to include:
We offer 24/7 emergency services to ensure your pests are handled as rapidly as possible. Decrease the danger of infestation in your home Certified technicians that specialize in pest control Curb all pests and also get rid of them for good Save time by having our experts handle your pest control Hassle-free and also budget-friendly prices that permit you to be as hands-on or hands-off as required Personalized packages for any type of home or business Reliable Pest Control Services
Pest control is a requirement for each homeowner. Not only exist bugs that can damage your family or your property, however it’s likewise important to maintain the lifestyle in your house and also stay up to date with avoidance.
Here at Tarpon Springs pest control, we offer a wide variety of pest control services which includes:
Emergency Pest Control Bed Bug Treatment Cockroach Control Ant Control Rodent control Termite Control & Inspection Residential and Commercial Spider Control Mosquito control Wildlife Control Tick and Flea Control And Much More! Tarpon Springs Residential Pest Control Service
Pests are a problem for lots of homeowners. They can cause damage to your home, and also they may be a nuisance that you don’t want in your life. If you’re seeking a residential pest control service in Tarpon Springs, after that we can help get rid of these unwanted guests!
We’ll come out and also examine the situation so we know what kind of pests to try to find, how to exterminate them best, and most significantly, just how not to harm you or your family members at the same time.
From spiders and also cockroaches to bed bugs and mice, we can look after these pest issues. We make use of environmentally friendly products that leave you with a clean and pest-free living space.
Mosquito Control Tarpon Springs
Mosquitoes are an annoyance to humans and pets alike. They can carry diseases, such as the Zika virus, which is why you have to take the essential steps for mosquito control.
Mosquito control starts with removing stagnant water in your yard or on your property.
This service is offered for residential and commercial properties. Our pest control experts can provide mosquito control services in Tarpon Springs that help you no matter how huge or little your needs and secure from pests!
Wildlife Control in Tarpon Springs
If you have actually noticed a pest infestation in your house, do not panic. We can help! Our wildlife control company Tarpon Springs focuses on capturing and also eliminating unwanted animals from homes.
Whether you have an opossum living under your porch or raccoons nesting on top of your roofing, we will eliminate them safely and also humanely so they won’t come back utilizing our rodent removal service in Tarpon Springs, Florida.
As always, please do not hesitate to contact us if you have any questions concerning what we do or exactly how we can help you.
Do you need an emergency pest control? Call Us Today Subterranean Termites Tarpon Springs, FL
Termites, or subterranean termites, are widely known pests that can cause major damage to homes and also structures.
Termites can penetrate almost any type of material constructed from wood, including plywood and particleboard found in most modern-day furniture construction.
We can take care of these termites utilizing the very best and also risk-free termite control methods to get rid of them from your home or industrial properties.
Commercial Pest Control Tarpon Springs.
If you have a big resort, restaurant, or an additional kind of commercial property that needs to be without undesirable pests, employing the right commercial pest control company for the job is important.
Commercial pest control is a service that can help you take care of all types of pests in your building.
If you have a huge commercial company or an additional sort of business, you will want to make sure that our Tarpon Springs commercial pest control experts help you with your pests.
We specialize in offering professional and budget-friendly service for your business.
Partner With the Effective Pest Control in Tarpon Springs, FL
At Tarpon Springs pest control, we make the effort to pay attention to our clients and their requirements to provide them with custom-tailored pest control methods & services.
Whether you are searching for an annual agreement or want us available when troubles occur, we have the tools and also experience required to get rid of your pests quickly and safely. | 6,266 | 2,694 | 14,362.49072 |
warc | 202143 | Posted: August 5, 2021 by Andy
The primary purpose of your home's HVAC system is to distribute heated and cooled air throughout your living spaces in the most energy-efficient way possible. A secondary function is to improve the indoor air quality of your home, and that's all about making sure your air is as clean and healthy to inhale as it can be. Your system's air filters help keep dust and toxic microorganisms from polluting the air that you breathe.
Our HVAC pros at Hey Neighbor Heating & Cooling are here to emphasize the importance of air filters and provide everything you need to know to care for yours!
You probably already know the size of filter you need, but do you know what filter type is best for you? Most of the time, a balanced approach is best - that is, a filter that traps dust and dirt but still allows air to flow through. Filters are intended to protect your HVAC system by blocking airborne particles from reaching the critical components of your system.
For example, ordinary household dust can coat your evaporator coil and overwork your air conditioner. Dust is typically composed of fine dirt particles, chemical particulate, soot and ash, and paint fragments, among other things. Ick!
Some filters can also block biological air contaminants and prevent them from harming your health. These airborne threats include mold and bacteria spores, skin cells, pollen, algae, and dead dust mites. Ew!
And then there's lint. The tiny bits we generally call "lint" are clothing and carpet fibers, human and pet hair, plant fibers, and probably even spider webs. Blech!
Surprisingly, the EPA has found that your indoor air is up to five times more polluted than outside air. Why? It's because your home's lack of external ventilation allows indoor toxins to accumulate to unhealthy levels. This is where a good air filter is crucial!
Fiberglass mesh filters. These filters are thin and allow plenty of airflow, but they aren't great at catching dust or debris. Tightly pleated filters. All filters are rated on the Minimum Efficiency Reporting Value (MERV) scale. Among other factors, a filter's MERV rating refers to how tight its pleats are, and the higher its MERV rating, the tighter the pleats are. A MERV rating of 13 or higher does a fantastic job of protecting your home - and your system - from dust and other allergens, but this superior protection comes with a cost. It can overwork your unit and cause it to overheat. Washable filters. These reusable filters can save you money over time - if you remember to pull your filter out and wash it! However, even if you're regularly washing your filter, it's a challenge to clean the filter thoroughly. Also, over time, washable filters can break down and become less effective.
We recommend pleated filters for your unit for an ideal balance of airflow and protection, but not ones with overly tight pleats. Instead, choose a wide-pleated filter with a MERV rating of around 8 to 11, and it should be just right!
We can't stress this enough - as a best practice, we recommend changing your air filters each month - especially if you have pets. A clogged filter is a hazard to your system and your health. Each day, our techs see the damage that neglecting a filter can do. It's preventable, and it's low-cost.
Neighborly Tip: Having trouble remembering to change your filter? Set a recurring reminder in your smartphone's calendar app!
The blower in your HVAC system circulates about 1,400 cubic feet of air per minute - that's a lot of continuous air! Think about all the airborne particulates that are moving along with it. The front-line defense to removing these particles is the air filter inside your HVAC system, so make sure to keep it nice and clean for the best results.
Prevent air conditioning breakdowns this summer and every summer - be sure to change your air filters! Call the pros at Hey Neighbor Heating & Cooling for seasonal maintenance and any questions you might have about air filters. Our expert technicians make sure that your system is running efficiently year-round! Call us at 330-262-4100 or schedule a service visit online today!
We're committed to providing fast friendly emergency service 24 hours a day 7 days a week for residential heating and air conditioning systems in Wooster, Millersburg and the surrounding areas.
Our 24-hour emergency on-call service means you'll never have to go through another cold winter night or a hot, humid summer day. We service residents of Wayne and Holmes counties with no after-hours or overtime fees, so you'll never have to worry about paying extra because your furnace or air conditioner decided it wanted to quit on the weekend or a holiday!
Our service trucks are ready for your emergency after-hours service call with over 5000 stocked parts so you don't have to wait for us to chase down the parts you need.
Fast and done right the first time
We'll keep your Wayne County furnace running smoothly, and we service gas and electric heaters, heat pumps, ductless mini-split systems and more. Our local, licensed, friendly HVAC technicians drive fully-stocked service vans so when we troubleshoot your Holmes County HVAC system and find a faulty part, we can replace it right then! Whatever you need in the area of heating and cooling repair in Wooster, Millersburg, and the surrounding areas, we've got you covered!
The right system for your home
Whether you're a homeowner in Rittman who's in the market for a new, high-efficiency furnace, a mobile home owner in Shreve who's tired of baking in the summertime or you're a property manager in Dalton looking to replace old, temperamental air conditioning systems in apartments with new reliable units, our experience enables us to quickly and accurately assess your HVAC needs. You'll get the new furnace install and central air conditioning upgrade that's right for you.
Protect your investment
While we don't mind visiting your home for a dead-of-winter breakdown (it's what we do), we want to help you avoid that unfortunate situation altogether. That's why we offer affordable Wayne and Holmes County seasonal HVAC maintenance to reduce the future need for heating and cooling repairs. Our thorough inspections catch little problems before they become big ones. An annual HVAC tune-up by one of our expert techs saves you money, time, and stress!
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warc | 202143 | Trips, slips, and falls are more common in the workplace than you may think. In fact, these accidents are some of the most common, severe, and expensive workplace injuries. Depending on your job, there are many hazards and obstacles that you need to be aware of. It is beneficial for both employer and employee to develop better tactics to reduce the risk of slips and falls in the workplace. Here are some tips for preventing slip and fall accidents at work.
Keep Walking Areas Clear
Obstacles in the walkways cause the majority of slip and fall accidents. So, be sure to remove these obstacles and being proactive about any in the future. Avoid leaving boxes and clutter in places where people might trip. It would be helpful to take a few extra minutes after work to put things in their place, like trailing cables and other items. If their path is unobstructed, it minimizes the employee’s chances of falling and makes them feel safer and secure in their work environment. As a result, the employers will feel safer as well, knowing that they are less likely to be responsible for an employee’s injuries.
Require Proper Shoes
Even if your job does not have a uniform, a minimum dress code requirement may reduce the risk of slip and fall accidents. If you work in construction or are on your feet all day, you should always wear non-slip, closed-toed shoes to protect your feet. Not only will this help reduce slips and falls, but it will also help prevent employees from injuring their feet on nails and other sharp objects that could be contaminated.
Make Sure Stairways Have Handrails
Handrails are an essential part of stair safety. Workplaces that do not install this safety measure tend to be the most at risk for slip and fall accidents. To ensure employee safety, it is best to make sure the handrails are secured and that the area surrounding the stairwell is clear, well-lit, and free of any hazards. Many building codes require handrails on every stairway to ensure occupant safety. Be sure to check with your local building code official to ensure your workplace has the proper safety measures in place.
Contact The Snyder Law Group Today
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warc | 202143 | A federal judge in Austin Wednesday blocked a recently enacted Texas law that effectively ended abortion in Texas as of Sept. 1.
The Texas Heartbeat Act allows private citizens to sue providers for damages if they perform abortions after a fetal heartbeat is detected, which can happen as early as six weeks into a pregnancy. In an unusual and perhaps unprecedented step, U.S. District Judge Robert Pitman forbade citizens from filing such suits and Texas courts from accepting them. Pitman said his extraordinary order is a result of the unusual features of Texas’s law.
“The American legal system cannot abide a situation where constitutional rights are only as good as the states allow,” Pitman wrote.
The abortion debate was nearing fever pitch before the law, also known as S.B. 8, went into effect. Its implementation has only escalated the conflict. Red state legislators are crafting similar pieces of legislation, while House Democrats moved swiftly to guarantee abortion access in federal statute in the event the Supreme Court overturns
Roe v. Wade.
Abortions are unlikely to resume in Texas in the near term, Pitman’s decision notwithstanding. Clinics can be sued after the fact under S.B. 8 if they perform abortions while the law is blocked, supposing the injunction is lifted by a higher court. Whole Woman’s Health, which operates four abortion clinics in Texas, was noncommittal as to whether it will resume abortions in the state.
“We aren’t sure what this means for care yet,” the organization said. “We are working with our staff and doctors to resume providing the full scope of abortion care as soon as possible.”
The White House similarly acknowledged that the decision, while an important development, is not a definitive result. A regional appeals court will review Pitman’s decision, and an appeal to the Supreme Court will follow. The justices allowed S.B. 8 to take effect on Sept. 2, but they cautioned their decision “in no way limits other procedurally proper challenges.”
“The fight has only just begun, both in Texas and in many states across this country where women’s rights are currently under attack,” White House press secretary Jen Psaki said. “That’s why the president supports codifying
Roe v. Wade, why he has directed a whole-of-government response to S.B. 8, and why he will continue to stand side-by-side with women across the country to protect their constitutional rights.”
The Heartbeat Act is difficult to attack by design. Government officials responsible for enforcement are the usual targets of a legal challenge to a given law. If courts strike down the statute, they will issue an order forbidding those same officials from enforcing it. But under Texas’s law, private citizens are responsible for enforcement via civil lawsuits. Therefore, it’s difficult for clinics and courts alike to home in on a single target and permanently enjoin the law.
Pitman’s decision purportedly gets around that problem by barring the entire Texas judiciary from accepting S.B. 8 lawsuits. He also blocked citizens from bringing Heartbeat Act claims in the first place. Those steps are justified, he said, because the state itself designed the private enforcement mechanism. Individuals who take advantage of it are acting on the state’s behalf, he continued, and such plaintiffs will “make extensive use of the state judicial system.”
“The state has its prints all over the statute,” Pitman wrote.
The Biden administration sued Texas in September and asked Pitman to block S.B. 8. The Justice Department said it has a basis to intervene for two reasons. First, the federal government has a special responsibility to ensure the states abide by the Constitution. Second, the federal government itself could be vulnerable to legal attack under the Heartbeat Act because certain federal officials help arrange abortions in Texas. For example, officials in federal prisons are required to provide abortions when pregnant inmates request them. Pitman agreed with both arguments.
Texas asked the Fifth U.S. Circuit Court of Appeals to pause Pitman’s injunction for the time being about an hour after his decision was published. Such an order could come in a matter of days and would reinstate the heartbeat law while litigation continues.
S.B. 8 is thought to have stopped almost 5,000 abortions, according to Marjorie Dannenfelser of the pro-life Susan B. Anthony List.
The case is
U.S. v. Texas in the U.S. District Court for the Western District of Texas. | 4,647 | 2,185 | 9,544.959268 |
warc | 202143 | Advantages & Disadvantages of Moving in the Fall10/04/2021By Julie DeLong, A-1 Freeman Moving Group Moving, anytime of year, can be equal portions exciting and tense. Moving in the fall offers its own distinctive benefits as well as concerns. Many families have discovered that relocating in the fall months provides a better, more enjoyable transition; other people, as a result of special conditions, opt to hold off until a better time. As professional movers in Oklahoma City, we want to share with you some positives and negatives of relocating during the fall season: Advantages: 1. The weather is typically nice If you decide to move in the summer months, you could most likely have to cope with high temps along with humidity. To put it differently, you may sweat a lot when you load and unload your belongings. On the other hand, winter weather conditions can make moving nippy, miserable, and even hazardous. The autumn is a good time to move because you avoid extremes of hot or cold. Fall temps are generally pleasant, and you probably do not need to worry about wintry or frozen driving conditions. 2. Professional movers may have lower rates Summertime is usually the peak season for moving. Given that autumn comes after peak season, you could be able to get a better price when working with a moving company in Oklahoma City. 3. Professional movers may have more availability Another benefit of moving over the fall months is that the moving company may be in a better position to allow for your moving dates, since their calendar is not as packed. Disadvantages: 1. It might be more difficult to sell your home If you don't at the moment rent and haven't sold your residence yet, then fall may be a difficult time of the year to have a purchaser to close on it. Although, we must concur that in the current market, this might not be too much of an issue. 2. It might be tough to "settle into" a new house right before the holidays Most people are consumed with the holidays, either on a personal or a business level. Relocating to a different spot can be anxious at any time and could become even more so right before the most hectic time of the year (at least for many people). Furthermore, in case you have kids, you will need to really coordinate the move so that they can transition into a new location with marginal anxiety - and autumn may not be a good time to make that happen. 3. The weather could be erratic Autumn weather conditions are generally pleasant, and free of extremes in temp or humidity. However, there exists still an element of volatility relating to autumn weather patterns. For instance, if you are moving to or from a northern climate, there's always the chance that a sudden snowstorm may strike at the end of fall - potentially in November, or even October! There's also a chance that you may have to deal with an unexpected heat wave, or rapid declines in temperature. Keep in mind, regardless of whether you decide to move in the fall or not, you should definitely consider using the assistance of professional movers to make your transition as effortless as possible. If you're looking for a reputable moving company to assist you with your relocation, get in touch with A-1 Freeman Moving Group in Oklahoma City today. We would be glad to assist! Request a free quote | 3,321 | 1,602 | 6,876.252809 |
warc | 202143 | If you are like most physicians, you wonder not only whether you are selecting the right level of service when coding office visits but also whether your coding profile is similar to that of your peers. Benchmarks are not easy to come by, but specialty-specific evaluation and management (E/M) code data from the Centers for Medicare & Medicaid Services do make comparisons possible. The results of such comparisons should guide a more targeted review of your coding practices and resulting revenue-enhancement or risk-reduction strategies.
Office visit code distribution for Medicare
New patient office visits % Established patient office visits % 99201 0.78% 99211 2.64% 99202 13.42% 99212 2.84% 99203 49.57% 99213 43.18% 99204 31.48% 99214 48.40% 99205 4.75% 99215 2.94%
Source:
2017 E/M Bell Curve & Auditing Sourcebook. Gaithersburg, MD: DecisionHealth; 2016.
Family physicians bill 81 percent of new patient visits as 99203s or 99204s and 91 percent of established patient visits as 99213s or 99214s. A physician with a lot of kids or young, healthy families in his or her panel may tend to report more lower-level codes, particularly as compared with the Medicare data shown here. Similarly, a physician whose panel is filled with patients who have multiple chronic problems or who are dually eligible for Medicare and Medicaid will probably report more higher-level codes than one whose schedule is filled primarily with acute visits.
— Betsy Nicoletti, a Massachusetts-based coding and billing consultant
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Disclaimer: The opinions and views expressed here are those of the authors and do not necessarily represent or reflect the opinions and views of the American Academy of Family Physicians. This blog is not intended to provide medical, financial, or legal advice. Some payers may not agree with the advice given. This is not a substitute for current CPT and ICD-9 manuals and payer policies. All comments are moderated and will be removed if they violate our Terms of Use. | 2,214 | 1,188 | 4,092.545455 |
warc | 202143 | How to Deal with Common Roofing Problems How to Deal with Common Roofing Problems
Your roof is a pretty important part of your home so it makes sense that you want to keep it in good repair.
A new roof can be very costly so taking good care of yours helps ensure that it will last for many years.
If you need roofing on the Gold Coast, you need the experts here at Allcoast Roofing.
We can help you maintain your existing roof and help you decide when it’s time to get a new one.
Here are some common roofing problems and what you can do about them.
Poor Installation
Of course, we stand by our roofing installation, but if yours was poorly installed, it’s best to address the problem as soon as it is noticed to be sure it doesn’t become a bigger issue.
In some cases, we can make repairs, but in other instances, you may be better off getting a new roof.
We can take a look at what you have and help you decide what your best option is.
Improper Maintenance
One of the biggest issues we encounter is roofs that aren’t taken care of properly.
We can certainly help, but it’s up to you to check the roof often and let us know if you there are any issues that need resolving.
Check for broken shingles, damaged gutters, evidence of leaks, and other damage that can hinder the effectiveness of your roof.
Caught early, you can save yourself the price of costly repairs by taking care of things right away.
Leaky Roof
Leaky roofs are not uncommon. Sometimes it’s an easy fix while other times you may need to replace the whole thing.
Evidence of a leak includes visible water coming from the roof, water stains, mould and mildew anywhere in your home, but generally near the roof itself.
You can see evidence of a leak either inside or outside your home, sometimes both. If you suspect you have a leak, call us right away so it doesn’t get worse.
Clogged Gutters
One of the most common roofing problems is gutters that aren’t clean. It’s important to clear your gutters often to allow proper water flow during a storm.
Failure to do so can lead to water damage to your home, a roof leak and other problems.
Taking care of your roof means also taking care of your gutters so be sure you’re doing so on a regular basis.
Call Allcoast Roofing to request a quote for all of your roofing problems. We can help make sure your roof lasts!
Wayne and his team did a fantastic job. My roof looks fab. Highly recommend
Jenni Summer9/23/2021
I would definitely recommend this business. Prompt, professional and my roof looks great. The price was very good and the... read more
Lorraine Burkin9/23/2021
Wayne and his team from Allcoast roofing service did a fantastic job of restoring and re-painting our roof. They... read more
Jim Horton9/15/2021
We recently had our roof restored and repainted and couldn’t be happier with the results. Wayne was always very responsive... read more
Tabitha Lauret8/26/2021
All work was completed to an exceptional standard and was very competitively priced. Would highly recommend All Coast Roofing, Wayne... read more
Michael Mitchell6/26/2021
I had repairs to the roof including replacing clips above garage, several tiles replaced, repointing of ridge tiles, roof cleaning... read more
Pam6/26/2021
The team at Allcoast were very professional and prompt. The work was top quality. Would definitely recommend them.
Shayne Smyth6/26/2021
Could not recommend Allcoast roofing more highly. I am a big advocate for communication and Wayne and the team were... read more
Zak Griffiths6/26/2021 | 3,606 | 1,669 | 7,583.618933 |
warc | 202143 | Laser cutting is a very accurate method for cutting steel and various metals, but it can also be used to cut other materials such as plastic and cardboard. Most commonly, laser cutting is used to cut plate sections. The cutting of the plate is excellent with the help of a laser. Laser cutting is also often used in the partial production of Alutig.
Laser cutting of metal is a versatile and cost-effective form of machining
Laser cutting of metal is at its best when cutting:
dimensionally accurate parts sharp inside and outside corners thin brackets and tips rounding and curved shapes free-form holes of different sizes large and small parts special materials parts that are difficult to measure
Laser cutting of steel or metal is a cost-effective way to cut parts. It offers the designers more flexibility in their work. The automation of the production chain is such that the number of parts can be reduced, which reduces the time required for production. Laser cutting also facilitates the implementation of customer-specific applications and solutions.
We perform laser cutting of metal with Bystronic’s laser cutting system
The new laser cutting machines based on fiber technology are capable of even higher cutting speeds and thicker material. We use Bystronic’s high-quality ByStar Fiber laser cutting system, which performs a special class of high-power cutting. The laser cutting system can cut large batches and it’s cutting head makes excellent work on both thick and thin plates. Our equipment is made to handle steel thicknesses of up to 30 mm. The device can cut i.e. the following metals: Embossed metal, steel and aluminum.
What is laser cutting of metal?
In laser cutting, the laser beam is focused by means of a lens at a focal point on the material to be cut. The focal point of laser cutting becomes so hot that the material to be machined melts, burns, or evaporates when made at high energy density. In laser cutting by melting, the molten material is blown with a shear gas, also called an inert gas. Laser cutting is most often used to cut normal steel and heats the steel with a laser beam and promotes melting of the material with process gas with either oxygen or nitrogen depending on the material and cut. Laser cutting is often used in industry to cut plate shaped metal. In addition to steel, other common metal materials such as stainless steel, HST, copper, brass and aluminum can also be laser cut.
In oxygen cutting, molten steel burns with an exothermic reaction. The laser has the capability of cutting at a fast rate and cuts steel up to 25 mm in thickness. In nitrogen cutting, molten metal is blown away with nitrogen under high pressure, which makes the cutting surface very clean and does not have time to form an oxide layer. Nitrogen is more commonly used to cut stainless steel materials. It can also be used to cut other materials such as plastics and even wood.
Metal laser cutting and price
Unfortunately, it is impossible to give any exact price (i.e. piece price) for laser cutting of metal because each job is unique. So feel free to ask us for a quotation. We will reply to you as soon as possible.
Contact us for a quote or ask more about laser cutting of metal or steel
Part manufacturing experts: | 3,285 | 1,468 | 7,283.838556 |
warc | 202143 | Going with a manufacturing unit prolonged guarantee is an effective choice for primary safety however you will get extra and save extra with Endurance ranked the highest. 4 rows Primarily based on our analysis the common prolonged car guarantee value is about 2800.
Each auto dealerships and third-party firms promote prolonged auto warranties.
Whats prolonged car guarantee. Im calling immediately with essential information about your vehicles prolonged guarantee. An prolonged car guarantee could assist cowl the price of sure repairs to your car when the producers guarantee expires however theyre not for everybody. Nana-Sinkam says that anybody curious about shopping for an prolonged guarantee ought to have understanding about what it coverspowertrain electronics and within the case of vehicles with costly.
However prolonged warranties or service contracts normally dont come into play till. After a couple of rings her old-fashioned answering machine answered. Whereas a guaranty comes with a brand new car and is included within the buy worth explains the FTC a service contract could also be organized at any time and all the time prices further.
Endurance and CARCHEX are two of one of the best prolonged car guarantee suppliers within the business. Endurance affords six prolonged auto guarantee plans together with. We check out the professionals and cons.
While you buy one the. A extra inclusive model of Safe protection. Producers warranties include new vehicles and usually final not less than three years or 36000 miles whichever comes first.
Protection for choose elements of your car resembling lubricated elements of the engine transmission and water. Each earned excessive scores for affordability protection and customer support from our review group. This guarantee covers the price of repairs or replacements for a set variety of years or a certain quantity of mileage usually three to 5 years or someplace between 30000 and 100000 miles.
That’s you might buy a coverage that’s good till 150000 miles or 10 years. Who sells the coverage is one other issue that may have an effect on worth. Prolonged car warranties are in some ways precisely what they sound like.
Nevertheless an prolonged guarantee could make a number of sense if youre buying a used car that’s out of guarantee or near being out of guarantee and you plan to drive the car. Whereas it might sound like a good suggestion in principle prolonged warranties usually include a excessive price ticket and dont essentially cowl all the pieces that would go incorrect. Should you hope to maintain your car for 10 years and it solely comes with a three-year36000-mile guarantee you may take into account prolonged guarantee protection for peace of.
As an alternative of getting. Automotive dealerships are additionally licensed to promote guarantee extensions for a quoted worth usually 1200 or extra. Theyre obtainable by dealerships auto golf equipment and insurance coverage firms which typically name.
The opposite day I known as a good friend. Length of the coverage is normally quoted when it comes to mileage or years. A option to lengthen the producers guarantee in your car.
An prolonged guarantee may give you peace of thoughts should you personal or are shopping for a car thats a couple of years previous. Prolonged warranties could cut back monetary stress for individuals who personal fashions from unreliable manufacturers. | 3,453 | 1,614 | 7,327.462825 |
warc | 202143 | Kick out Knee Pain with These All-Natural Home Remedies
Knee pain afflicts a startling number of people, particularly those of us who've been around for a few decades.
Treat Knee Pain Yourself with These Effective Home Remedies
As we age, we notice more aches and pains than ever before. The most common complaints doctors and physical therapists hear about are knee pains. The knee is particularly vulnerable to pain and damage due to its high wear and tear factor.
Got a Painful Cavity? These Home Remedies Will Help!
Suffering from a painful cavity? Tooth-related problems are always painful, but cavities are by far the worst. They can make drinking and eating almost impossible. Cavities are small holes that form in a tooth as a result of tooth decay.
Exercise Your Knees at Home to Prevent Recurring Pain
Knee pain is one of the most common sources of pain, especially as we get older. Our cartilage and our joints become worn out with use, and they require extra help to keep from hurting us.
Alleviate Knee Pain with These 7 Exercises
In fact, knees are the most commonly injured joints in the body - which shouldn't come as much of a surprise, considering their everyday use, causing wear and tear. Simply walking up the stairs, for example, puts pressure on the knee joints equating to four times your body weight.
Reduce Knee Pain With These 2 Exercises!
How I loathe knee pain! It makes every sit down a worry for the time I get up, and the pain can drive one crazy, not to mention the limitation on our freedom and our walks, which are so healthy for us. Luckily, there are many stretches and exercises that can help.
How to Eradicate Your Knee Pain - Without Surgery!
Effective home remedies to treat knee pain may also prove to be helpful, but adding to all of this, one remedy you should try is acupressure. Working on specific points, located in your knees can speed up your recovery.
Pain in the Knee? Exercise Your IT Bands to Banish the Pain
Many tend to experience pain or injury in the IT (iliotibial) bands. But what is the IT band anyway? While some may think of it as a muscle, it is actually a fascia (a connective tissue) that runs from the outside of your hip to the knee and down to your shin.
Relieve Intestinal Gas Pain Instantly With These Remedies
Treating the problem as fast as possible can help relieve the pain before it becomes severe. The home remedies listed in this article can effectively relieve trapped gas pain. Symptoms and Causes of Trapped Wind People who experience trapped gas describe it as acute discomfort in the belly.
These Exercises Help Relieve Arthritic Knee Pain
Are you suffering from arthritis-related knee pain? If so, we have an excellent suggestion for you today from Dr. Rowe, a registered chiropractor. The two traction knee exercises shown in this video will relieve the pressure in the knee joint and help improve mobility in the knees.
Got Dark Knees and Elbows? 8 Remedies That'll Help
Simply rub thick slices of cucumber over your elbows and knees and leave it to set for 15 minutes. Then wash off with cold water. You can also mix equal amounts of cucumber juice and lemon juice and apply the mixture to your knees, elbows, and underarms.
Alleviate Knee and Hip Pain with 3 Easy Exercises
Though you may not have given it much thought, your ankles and their range of motion can have an effect on your knees and hips.
This Recent Technique Could Put an End to Knee Pain
Bad or painful knees are one of the most common causes of pain in the elderly, and can start at quite an early age due to extra stress on the cartilage, or due to injury. This damage is rarely healed by the body.
Suffer From Knee Pain? Here Are 6 Moves You Can Do!
Did you know that joint pain affects one in five Americans and is one of the leading causes of disability in the U.S.? Knee pain, along with leg, neck and back pain tops the list of problem areas and studies are showing no sign of improvement.
Been Stung by a Bee? Treat It With These Home Remedies!
Home Remedies for Bee Stings Unless you happen to be allergic to bee stings or are experiencing signs of a severe allergic reaction, you can treat most stings at home. If a honeybee stings you, remove the stinger immediately – this helps to curb the amount of toxins released into your skin.
Put an End to Aches & Pains With These 6 Unusual Remedies
It has the ability to overcome illnesses, aches, pains and worries and sometimes without the need of any external help. Here are 6 alternative remedies I have tried whenever I've felt the onset of a sore throat, had a stuffy nose, felt incredibly nervous and more.
These 13 Home Remedies Are Effective Against Arthritis
Editor's Note: The remedies listed here are NOT a substitute for medical treatment. Please consult with your doctor if you're experiencing symptoms.
13 Home Remedies That Are Effective Against Arthritis
5 Home Remedies For Treating Varicose Veins
Varicose veins are dilated and 'puffed up' veins that are usually in the legs that can be painful and have an unpleasant appearance.
No More Dry Sinuses: Treat it With Home Remedies
So What Should You Do To Combat Sinus Pain? There are a number of proven steps we can take to ease sinus pain, and most of them are cheap and easy for anyone to try... 1.
5 Great Exercises You Can Do Even With Knee Pain...
Knee injuries lead to pain and restrict us in movement, which in turn cause us, in many cases, to completely give up exercising, leading us to neglect the rest of our body.
5 Great Exercises You Can Do Even With Knee Pain
Suffering from Lower Back Pain? These 7 Remedies Work FAST
The 7 remedies and tricks we list in this article all take very little of your time, can be easily done at home and all work together to prevent and decrease lower back pain. 1. Stretch When You Just Get Up This may sound silly, we know, but it really works. | 5,918 | 2,831 | 12,266.628047 |
warc | 202143 | Did you know a weak core can lead to lower back pain, injury and may even negatively affect your posture? It is important to learn how to properly activate your core as it provides protection for your spine and internal organs — think of it as armor.
There are many exercises you can perform to help improve your core strength, including: dead bugs, planks, supermans and pretty much any exercise using suspension straps; however, we urge you to speak with your trainer first to ensure you activate your core properly for these exercises. It may be that before working on core strength you need to work on your core stability first. Core stability will allow you to perform strength exercises with ease and with less risk of injury.
Your core muscles are an important part of every movement your body makes — don’t ignore them! | 846 | 481 | 1,454.557173 |
warc | 202143 | You might think that the only reasons people fix their smile problems are vain or purely cosmetic. But there are a wide variety of health benefits that come with straight teeth. Dr. Randall Burba and our team at Burba Dental Partners are exploring just a few of the benefits of straightening your smile. Easier […]
What Is It? Oral cancers appear as a growth or sore in your mouth that doesn’t go away–even after a few weeks. They include cancers of your lips, tongue, cheeks, the floor of your mouth, hard and soft palate, sinuses, and throat. Oral cancer can be life-threatening if not diagnosed and treated early. Early Detection Early […]
Though dental implants are the ideal treatment for replacing missing teeth, dental implant failure is an all too common occurrence. Sometimes, a dentist can do everything right and the implant can still fail. However, the majority of implant failures are the result of mistakes made by the dentist that could have been avoided. At Burba […]
Sleep Apnea Sleep apnea is a medical condition that is related to snoring. When you snore, your airway is restricted so that the soft tissues in the back of your throat vibrate. With sleep apnea, there’s a complete blockage of your airway, causing you to stop breathing momentarily. The lack of oxygen can cause you […]
While some people are diligent about keeping regular dental appointments, others are not. There are lots of reasons why you might need to see a dentist, but here are seven signs it’s definitely time for an appointment. 1.) Difficulty Chewing or Swallowing If you experience difficulty chewing, several causes may be to blame. A struggle to chew […]
Salem Dentist When it comes to your dental health, we know you have options. There’s a lot of dental offices out there, so, why should you choose us? There’s a number of things that set us apart from other dental facilities. We’re a family dentist, we’ll always see you in an emergency, and we have […] | 2,032 | 1,062 | 3,740.640301 |
warc | 202143 | The Clean Propulsion Technologies project consortium, led by the University of Vaasa, aims to develop radically new solutions for clean and efficient marine and off-road transport – a Finnish response to tightening emission legislation and growing global competition in these segments. Business Finland has granted research funding for six research organizations and nine companies to bring these new propulsion solutions from the research phase to real-world application.
- The common goal is to secure the position of global technology leader for the Finnish powertrain industry by creating a common vision and sustainable business solutions, says Associate Professor
Maciej Mikulski from the University of Vaasa. Mikulski acts as the responsible leader of the Clean Propulsion Technologies project.
The research organizations and companies develop the most promising, innovative powertrain technologies for new products. These developments will secure compliance with emission and greenhouse gas regulations in both marine and off-road transport segments by 2035. In the long term, the goal will be achieved by developing a common technological roadmap for both sectors. The roadmap provides a consolidated plan for how to secure this compliance by 2050.
The most significant technological highlights of the expected project results are a groundbreaking medium-speed engine working in fuel-flexible RCCI (Reactivity Controlled Compression Ignition) mode and a high speed, hydrogen-fueled engine concept. The research will further focus on developments in advanced aftertreatment, hybrid propulsion technology and predictive powertrain control. The whole package forms an environmentally, socially and financially sustainable business model.
Business Finland has granted a remarkable 7.9 million euros in funding for the Clean Propulsion Technologies project.
- We foster the competitiveness of Finnish companies and bring together key players within the smart energy ecosystem to develop new solutions. This consortium project is a great example of a well-planned improvement to combustion and hybrid technology, which aims to make a leap in environmental improvement in the area of marine and off-road transport. Additionally it offers a great opportunity to strengthen cooperation with common objectives between Finnish maritime, off-road companies, and research centers, says
Esa Lindqvist, Ecosystem Lead, Business Finland.
According to Mikulski, the project is a first-ever collaboration of this magnitude between Wärtsilä and AGCO Power, two leading powertrain equipment manufacturers in Finland. This unique backbone, strengthened by the expertise of all project partners, tackles the growing global competition in these market segments.
- Developing concepts together within the Engine Research Initiative ecosystem and with other technology leaders is the most efficient way to find solutions including combustion engines for a sustainable and decarbonised future, say
Christer Wik, Laboratory Manager and Lauri Pessinen, Project Controller, from Wärtsilä.
- This project strongly supports AGCO Power’s new technology research for a sustainable low-carbon future. The project also establishes a Finnish research network in this technology area, points out
Kari Aaltonen, Director R&D from AGCO Power.
CPT consortium consists of six research organizations (University of Vaasa, Aalto University, Tampere University, Åbo Akademi University, VTT Technical Research Centre of Finland and Lappeenranta-Lahti University of Technology LUT) and nine companies (Wärtsilä Finland, AGCO Power, Meyer Turku, Napa, Dinex Finland, Proventia, Geyser Batteries, Bosch Rexroth and APUGenius).
The total project volume is approximately 15 million euros, out of which 7.9 M€ comes as Business Finland support. The companies and universities themselves fund the rest.
Esa Linqvist, Lead Ecosystem
Business Finland +358 400 522 141 esa.lindqvist (at) businessfinland.fi
Merja Kangasjärvi, Development Manager
VEBIC/University of Vaasa +358 29 449 8205 merja.kangasjarvi (at) uwasa.fi
Project Leader:
Maciej Mikulski, Associate Professor University of Vaasa +358 29 449 8591 maciej.mikulski (at) uwasa.fi Business Finland is the Finnish government organization for innovation funding and trade, travel and investment promotion. Business Finland’s 750 experts work in 40 offices globally and in 16 regional offices around Finland. Business Finland is part of the Team Finland network. www.businessfinland.com | 4,579 | 2,017 | 10,209.104115 |
warc | 202143 | THE growing number of Delta variant infections in the country, coupled with the hard lockdowns, will likely slow down the Philippine economy’s recovery for the rest of the year, the ASEAN+3 Macroeconomic Research Office (AMRO) said.
AMRO’s economist for the Philippines Zhiwen Jiao said the economy’s 11.8% growth in the second quarter signaled signs of recovery but the momentum may have slowed due to the resurgence in coronavirus cases and renewed lockdowns.
“Given that the Philippines is a service-oriented economy, with a large share of economic activities concentrated in Manila, the latest tight pandemic restrictions in the capital will inevitably slow the country’s economic recovery,” Mr. Jiao said in an e-mailed response on Thursday.
AMRO will consider these developments in reassessing the gross domestic product (GDP) growth forecast for the Philippines, he said.
The regional macroeconomic surveillance organization slashed its 2021 growth projection for the Philippines to 6.4% in June from the previous 6.9% forecast in March.
Metro Manila and other parts of the country are again under the strictest form of lockdown until Aug. 20 to curb the spread of the highly contagious Delta variant of coronavirus disease 2019 (COVID-19).
The Health department reported 12,439 new COVID-19 infections on Thursday, bringing the total number of active cases at 87,663.
An additional 177 Delta variant cases were also reported on Thursday, of which 90 were in the National Capital Region. Total Delta variant cases now stand at 627.
“As for the second half of this year in particular, the biggest threat to growth is still COVID-19 infection rates. The country urgently needs faster vaccinations to reach herd immunity so that the economy can open up safely, and businesses can operate with a degree of normalcy.”
IHS Markit Asia Pacific Chief Economist Rajiv Biswas also warned that the tighter restrictions and a lack of adequate vaccine supplies will slow down the Philippines’ recovery momentum over the near term.
The government has administered 24.45 million doses of COVID-19 vaccines as of Aug. 8, with 11.4 million fully vaccinated against COVID-19. This is still far from the government’s target to vaccinate 70 million or the entire adult population by end of this year to achieve herd immunity.
Mr. Biswas said the economy will likely grow by around 5-6%, barely hitting the government’s GDP growth target of 6-7% for the year.
The Department of Finance (DoF) likewise acknowledged the impact of the Delta variant outbreak on the economy, especially on the labor market.
“The subsequent re-imposition of stricter quarantine measures in August will have consequences on the nascent green shoots. Such measures are nevertheless precautionary in nature to prevent the much greater evil of spikes in daily cases,” the DoF said.
The unemployment rate stood at 7.7% in June, with 359,000 jobs created.
For 2022, AMRO and IHS Markit both see a brighter outlook for the Philippines, on expectations that the pandemic will be contained.
“GDP growth should prove robust in 2022, even if growth is dampened by the lockdowns this year, because the outbreak will likely be better controlled next year. We also anticipate that the government will provide stronger policy support,” Mr. Jiao said.
Mr. Biswas said the latest Philippine manufacturing PMI survey indicated improving output expectations for the industry in the next 12 months.
“The gradual progress of the COVID-19 vaccination program has underpinned hopes of a return to normality over the next 12 months. Stronger GDP growth of around 7.7% year on year is expected in 2022, as the pandemic is gradually restrained by widening vaccine rollout in the Philippines, resulting in more normal economic conditions,” he added.
The government is targeting a 7-9% economic rebound next year. —
Beatrice M. Laforga | 3,983 | 1,897 | 8,127.671587 |
warc | 202143 | Mental health professionals demand more resources to treat teens
Benito Menni, Catalonia's only public center for subacute patients, overwhelmed by elevated need for care
The Benito Menni center in Sant Boi de Llobregat, near Barcelona, is home to Catalonia and Spain's sole public mental health crisis unit for teens and subacute patients.
With 50 beds – 25 for acute patients and 25 for subacute patients – professionals attempt to address
severe mental health issues amongst 12- to 18-year-olds.
Patients with serious illnesses, such as schizophrenia or bipolar disorder as well as depression or anxiety – often aggravated by drugs, alcohol, or parental neglect – are treated at Benito Menni, where professionals have also noticed an increase in mobile phone, social media, or videogame addictions.
While the center aims to ease their reinsertion into society, it is not, however, an easy task, especially due to what workers describe as a
lack of resources.
As the only public center in Spain with a unit for subacute patients, the waitlist at Benito Menni is very long. "Many teens have to wait in the emergency room before being hospitalized," says clinical psychologist María José Muñoz. "This makes their symptoms worsen and makes it take longer for them to get better."
Both Muñoz and María Martín, a psychiatrist and the teen ward coordinator, believe
more public centers with subacute patient units are needed to meet the demand for care.
They also believe more mental health resources are needed within the community at large: when families cannot pay for private care for their teens once they leave Benito Menni, they often relapse. This, they say, became more apparent following the 2008 financial crisis and the pandemic, which has had "de-stabilizing" effects on people's wellbeing.
"Resources are needed to
detect disorders early on before they worsen and become chronic," says Martín.
"Problems begin as soon as they are discharged," Muñoz adds. "In many cases, there is no continuity to our work within the community." | 2,126 | 1,065 | 4,068.34554 |
warc | 202143 | A long, long time ago, a miniscule animal met its end in a sticky trap of tree resin. Sixteen million years later, that tiny tardigrade fossil was discovered in Dominican amber. It's now something of a science celebrity. Talk about a glow-up.
The fossil tardigrade is remarkable for its rarity and for being a new species and a new genus.
Tardigrades are known as "water bears" due to their appearance when seen under a microscope (). They're nearly invincible, able to survive exposure to space and (to a point).
While the fossil micro-animal looked like a modern tardigrade on the outside, researchers were also able to examine its innards. "Of all the currently known and formally named tardigrade amber fossils (three so far, including this Dominican amber fossil), this is the first fossil wherein we were able to visualize its internal structure (i.e. foregut)," Marc Mapalo, a doctoral candidate at Harvard University, told me. Mapalo is lead author of a paper on the find published this week in the journal Proceedings of the Royal Society B.
The tardigrade was so different from known specimens it earned its own genus and the name Paradoryphoribius chronocaribbeus.
"The discovery of a fossil tardigrade is truly a once-in-a-generation event," said co-author Phil Barden in a New Jersey Institute of Technology statement on Tuesday. Barden's lab found the fossil.
Spotting a teensy tardigrade that's half a millimeter long in ancient amber is no easy feat. "At first I thought it was an artifact in the amber-- a crack or fissure that just happened to look a lot like a tardigrade," Barden said. The tiny claws tipped him off to what it really was.
Humans can buy tardigrade plush toys, tardigrade-emblazoned T-shirts and even tardigrade jewelry. "As microorganisms they live on a scale that is difficult to comprehend, yet they have these funny little legs and conspicuous cute faces that seem somehow familiar, like the bears they're sometimes named after," Barden said.
While more tardigrade fossils may yet be found in other amber samples, it's a challenging mission."You could spend the rest of your life screening through amber and never find one," Barden said. He considers the discovery to be "enough tardigrade luck for one career."
Mapalo hopes the find will encourage researchers to take care when studying amber and to keep their eyes peeled for the critters. The fossilized animals can tell us about how tardigrades have changed over time. There's a lot left to learn about these mighty water bears, both ancient and modern. | 2,572 | 1,341 | 4,885.073826 |
warc | 202143 | CULTIVATING GROWTH Our Mission is to cultivate high-quality ingredients from our local farmers to nourish the world, safely.
Here at Columbia Grain International (CGI), we are dedicated to cultivating the growth of the food supply chain in the northwestern region of the United States to ensure the world receives high-quality grains, pulses, oilseeds, and organics. Our legacy is rooted in consistency, quality, and reliability of supply. We are the bridge between the producer and consumer, supported by over 40 years of experience.
As a vertically-integrated company, we operate assets, including grain elevators, processing plants, and agronomy centers, which stretch across the northern tier of the United States. We’ve developed partnerships with over 8,000 farmers to fulfill crop demands from our customers who require superior food products, which are then purchased by consumers worldwide. CGI provides trusted solutions for a farm-to-table philosophy that nourishes the world, safely.
CGI has spent the last 40 years developing a reliable, sustainable and traceable supply chain from our farmers to your customers.
President and CEO of
Columbia Grain International, Jeff Van Pevenage
AgTech, consistent supply and cost control, value chain optimization and transparency are the key driving effects of vertical integration in the ag industry.
Source: Dongoski, Rob. (3 January, 2020).
“How vertical integration is impacting food and agribusiness.” Ernst & Young A Sustainable and Traceable Supply Chain From Our Fields to Our Customers
Our highly-networked presence throughout the supply chain and our commitment to consistent quality has earned us loyal, long-term partnerships with customers around the world. We work with our producers to utilize crop rotations to reduce the amount of non-renewable energy inputs over time. We are committed to doing our part to help the environment and preserve an ecological balance.
This is CGI Latest News & Press Western Ag Network | September 23, 2021 Selecting Right Seed Variety is Important for Winter Wheat Planting This Fall
Another wheat harvest in the books for another year and believe it or not farmers are already back in the fields planting the 2022 winter wheat crop. And given this year’s wide-spread drought, Columbia Grain International Seed Division Manager Paul Porter says selecting the right seed variety is very important this fall. “Farmers need to […]
Seed Today | September 21, 2021 Columbia Grain International Addresses the Critical Role of the Supply Chain and the Rising Costs to the Agriculture Industry
Columbia Grain International supports its farmer network across the PNW region and brings key consultancy insight to streamline efficiences. The COVID-19 pandemic has illustrated the importance of supply chains in maintaining a strong economy in which consumers have reliable access to food. While the food supply chain has shown resiliency, disruptions have highlighted the challenges […]
World Grain | September 21, 2021 Columbia Grain fills leadership position
Patty Groman has been promoted to vice president of human resources at Columbia Grain International (CGI), a leader in the origination, processing, logistics, and distribution of high-quality bulk grains, pulses, edible beans, oilseeds, and organics for the northern tier of the United States. Groman joined CGI in August 2020 as director of human resources. Prior […] | 3,474 | 1,705 | 6,962.262757 |
warc | 202143 | Winter is here and with it comes the temptation to stay indoors and eat for comfort. But the colder months are actually the best time to work on your body.
Power through this winter by visiting your nearest Planet Fitness or Virgin Active gym – the excellent trainers and quality fitness equipment are bound to encourage you to move more than you do when staying at home.
Not yet a Vitality Gym member? Gym on us at reduced rates and earn Vitality Health points for your workout at Planet Fitness or Virgin Active health clubs. Your monthly saving depends on your Vitality Health membership, your role on the Vitality membership, the type of club membership you have, as well as your number of gym visits. Reward yourself with exciting Vitality Active Rewards partners
Join Vitality Active Rewards on the Discovery app and earn weekly Vitality reward points, diamonds and higher-value instant rewards for achieving your exercise, drive and money goals.
Get out there and reach your fitness goals – you’ll thank yourself in summer! | 1,051 | 563 | 1,922.788632 |
warc | 202143 | Student loan interest rates are set to go up next week and Carmen Berkley, an Black student leader with five college loans and some knowledge of the financial aid system, doesn’t know what to do.
“It’s very daunting, and I still don’t understand it. I don’t think a lot of students understand,” says the University of Pittsburgh senior who worked with a national lobby group in Washington, D.C., to protect student interests. But she is besieged by advertisings and mailings urging her to consolidate her various loans, which total more than $50,000. And, the ads say, she should do this before the July 1 rate increases on Stafford student loans and parent PLUS loans.
Berkley and thousands of other college students will have to come to grips with a shifting student loan market. Gone are the low interest rates of recent years, replaced by higher variable rates that will add up to larger repayments after they leave school. In some cases, rates would creep up by about 2 percentage points.
“We’ve had a solid decade of happy news on interest rates,” says Barmak Nassirian, associate executive director of the American Association of Collegiate Registrars and Admissions Officers. “That’s coming to an end.”
For minority students, the rate increase may also increase their reticence about incurring large college loan debts.
While interest rates alone may not persuade minority students to put off their education, it is one of several trends that may affect access, says Thomas Mortensen, a higher education analyst with Postsecondary Education Opportunity.
“Higher interest rates, along with freezing the Pell Grant maximum and escalating tuition, works to the disadvantage of low-income minority students,” he says. As a result, more may attend lower-cost institutions or delay college.
“Poor people are inherently risk-averse,” Mortensen says. “For low-income people, college is a risky investment to begin with. Borrowing against future income is pretty scary for people who survive day-to-day.”
Rates on existing Stafford Loans are expected to increase nearly 2 percentage points, to 6.7 percent, after July 1. Rates on existing PLUS loans will jump to 8 percent.
Under law, rates on these existing loans vary each July based on the yield of 91-day Treasury bills. In the past year, the Federal Reserve has repeatedly raised interest rates in a move to stem inflation.
Interest rates for new Stafford and PLUS loans will also jump based on legislation the U.S. Congress approved last winter to cut federal spending.
Lenders say the answer for most students is a consolidation loan, through which borrowers can combine their various loans under one interest rate. The rate would be a weighted average of existing loans rounded to the nearest 1/8
th of a percent.
“Student loan consolidation is the best way to protect yourself from a very significant interest rate increase on July 1,” says Keith D’Ambra, senior vice president of loan consolidation for Sallie Mae, one of the nation’s main loan providers.
Loan consolidation can result in a rate as low as 4.75 percent, according to Sallie Mae. The lender says it also provides an additional discount for those who make on-time payments for a three-year period.
Nassirian agrees that consolidation loans are “highly advisable.” But he says there’s little incentive for students to act on the loans this summer since they generally do not begin repayment until they leave school.
Students also are not very price sensitive to interest rates, he says, since their first goal is to obtain the necessary college funds. In addition, many youth tend to “exaggerate their earnings potential” in the years after graduation, Nassirian says.
– Charles Dervarics
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© Copyright 2005 by DiverseEducation.com | 4,002 | 1,929 | 7,958.357698 |
warc | 202143 | WASHINGTON
Although the average tuition bill is up 35 percent compared to five years ago, the skyrocketing increases in recent years has slowed to a sputter, according to the College Board’s annual report on college tuition released Tuesday. Tuition for the 2006-07 academic year went up, just not as much, according to “Trends in College Pricing 2006.”
A companion report, “Trends in Student Aid 2006,” found that financial aid has not kept pace with the increases, furthering concerns that poor students are being priced out of higher education.
“The College Board continues to advocate for need-based aid, so that more students can have the opportunity to benefit from a college education,” says Gaston Caperton, president of the College Board. “Though student aid makes it possible for many students from low- and middle-income families to afford college, we still face inequality in access to higher education across ethnic, racial and economic lines.”
According to the report, based on published tuition rates for the 2006-07 academic year and adjusted for inflation, the average tuition at public four-year colleges was $5,836, a $344 increase over last year. Tuition at private, four-year institutions went up by 11 percent over the past five years to $22,218. At community colleges, the average tuition was $2,272, about $90 more than last year. With financial aid, however, students at public four-year schools pay $2,700 and those at private colleges pay about $13,200.
The report does not indicate the causes for the tuition increases but cites factors such as faculty salaries, health benefits and prices of goods and services purchased by colleges.
The report notes that Pell Grant funding dropped from $13.6 billion in 2004-2005 to $12.7 billion in 2005-2006. Although total student aid, including institutional aid and student loans, increased by 3.7 percent to $134.8 billion in 2005-2006, the average Pell Grant per recipient fell by $120.
Dr. David Ward, president of the American Council on Education, says it is disturbing to see the dollar amount drop on the Pell Grant program.
“The maximum grant now covers only 33 percent of tuition at public four-year institutions — that’s an all-time low. The Pell Grant remains our nation’s most important financial grant for needy students, and without future investment, thousands of individuals will have to defer or give up entirely on their dreams of earning a college degree,” Ward said in a statement.
About 46 percent of the benefit of the federal education tax credits goes to taxpayers with incomes below $50,000 and 54 percent goes to higher-income taxpayers, according to the study.
U.S. Rep. George Miller, D-Calif., says that the report highlights the urgent need for Congress to enact proposals that would make college more affordable.
“This report offers strong evidence that students and parents continue to face a mounting college affordability crisis,” says Miller, the senior Democrat on the House Education and the Workforce Committee. “Since 2001, the price of public college tuition has skyrocketed. These high prices leave college graduates saddled with unmanageable debt and prevent many qualified students from attending college in the first place. This is not only unfair, but it undermines our ability to maintain America’s economic leadership in the world.”
U.S. Education Secretary Margaret Spellings has endorsed more need-based aid, but several weeks ago chided American institutions for being “unduly expensive.”
Despite the rising costs, a college education is still a good investment, according to a supplemental report by the College Board that detailed the earnings gap between high school graduates and college graduates. Women, 25-34 years old, with bachelor’s degrees in 2005 earned 70 percent more than women with just a high school diploma, and for men the difference was 63 percent.
Remedial education was also a factor in completion of degrees, adds the report. Among bachelor’s degree recipients in 1999–2000, those who began their studies in four-year public colleges and universities took an average of 6.2 years to earn their degrees. Students at private, four-year institutions finished sooner, taking an average of 5.3 years to graduate.
“Both affordability and rigorous academic preparation are critical to improving access to college,” Caperton says.
—
Diverse Staff Reports © Copyright 2005 by DiverseEducation.com | 4,588 | 2,122 | 9,575.990575 |
warc | 202143 | Vitamins, supplements and COVID-19: a review of currently available evidence Article Details Authors Lauren Speakman, Sarah Michienzi, Melissa Badowski Article Type Review DOI 10.7573/dic.2021-6-2 Related Articles Renal effects of non-tenofovir antiretroviral therapy in patients living with HIV Penile warts: an update on their evaluation and management The effect of azoximer bromide (Polyoxidonium®) in patients hospitalized with coronavirus disease (COVID-19): an open-label, multicentre, interventional clinical study Article Page Abstract Background: In the midst of the COVID-19 pandemic, there has been an information overload of health data (both accurate and inaccurate) available to the public. With vitamins and supplements being readily accessible, many have turned to using them in an effort to combat the virus. The purpose of this review was to analyse clinical trials regarding vitamins and supplements for the treatment of COVID-19 infections. Methods: Articles were identified through a literature search utilizing online databases and bibliographic review. Results: A total of seven articles were identified for review. All articles evaluated the use of vitamins and supplements for the treatment of COVID-19. Drug therapies included oral vitamin D, intravenous and oral vitamin C, oral vitamin D/magnesium/vitamin B12, oral zinc, oral combination zinc/ascorbic acid, and intravenous alpha-lipoic acid. The end points of each study varied, including the Sequential Organ Failure Assessment score, mortality, rate of intensive care unit (ICU) admissions, negativity of COVID-19 tests, oxygen requirements, and symptom burden. Conclusion: Of the vitamins and supplements that were studied, vitamin D presented the most promising data demonstrating significant decreases in oxygen requirements, need for ICU treatment, SARS-CoV-2 RNA test positivity, and mortality. All of these benefits were exhibited in hospitalized patients. Other vitamins and supplements that were evaluated in studies did not demonstrate any statistically significant benefits. Common shortcomings of the articles included generally small sample sizes, varying sites of study (which could determine the virus variant), a lack of standard of care as background therapy, and utilization of doses that were higher than standard. Keywords: coronavirus, COVID-19, SARS-COV-2, severe acute respiratory syndrome coronavirus, supplement, vitamin. Citation: Speakman LL, Michienzi SM, Badowski ME. Vitamins, supplements and COVID-19: a review of currently available evidence. Drugs Context. 2021;10:2021-6-2. https://doi.org/10.7573/dic.2021-6-2 Contributions: LS, SM and MB developed the concept for this manuscript and equally contributed to the research, analysis, and writing of the manuscript and development of tables and figures. All named authors meet the International Committee of Medical Journal Editors (ICMJE) criteria for authorship for this article, take responsibility for the integrity of the work as a whole, and have given their approval for this version to be published. Disclosure and potential conflicts of interest: Dr Michienzi has received grants or contracts from Moderna outside of the work. The authors declare that they have no other conflicts of interest relevant to this manuscript. The International Committee of Medical Journal Editors (ICMJE) Potential Conflicts of Interests form for the authors is available for download at: https://www.drugsincontext.com/wp-content/uploads/2021/09/dic.2021-6-2-COI.pdf Acknowledgements: None. Funding declaration: There was no funding associated with the preparation of this article. Copyright: Copyright © 2021 Speakman LL, Michienzi SM, Badowski ME. Published by Drugs in Context under Creative Commons License Deed CC BY NC ND 4.0 which allows anyone to copy, distribute, and transmit the article provided it is properly attributed in the manner specified below. No commercial use without permission. Correct attribution: Copyright © 2021 Speakman LL, Michienzi SM, Badowski ME. https://doi.org/10.7573/dic.2021-6-2. Published by Drugs in Context under Creative Commons License Deed CC BY NC ND 4.0. Correspondence: Melissa Badowski, Department of Pharmacy Practice, University of Illinois at Chicago College of Pharmacy, Chicago, IL, USA. Email: badowski@uic.edu Provenance: Invited; externally peer reviewed. Submitted: 9 June 2021; Accepted: 26 August 2021; Publication date: 6 October 2021. Drugs in Context is published by BioExcel Publishing Ltd. Registered office: Plaza Building, Lee High Road, London, England, SE13 5PT.
BioExcel Publishing Limited is registered in England Number 10038393. VAT GB 252 7720 07.
For all manuscript and submissions enquiries, contact the Editorial office editorial@drugsincontext.com
For all permissions, rights and reprints, contact David Hughes david.hughes@bioexcelpublishing.comDownload free full text PDF | 4,924 | 2,312 | 10,444.33218 |
warc | 202143 | A medical expert has told the trial of two parents accused of child cruelty that their daughter's injuries were consistent with child abuse and non-accidental injury.
The 39-year-old man and his 36-year-old wife have pleaded not guilty to two charges of assault causing serious harm to the then nine-year-old child and three charges of child cruelty at the family home in Dublin on dates between June 28th and July 2nd, 2019.
The jury have heard evidence that a brain injury has left the child needing 24-hour care for the rest of her life. A garda investigation began shortly after the child presented at Temple St Children's Hospital unconscious and with extensive bruising all over her body.
The parents cannot be named to protect the identity of the child.
Physically punished
On day eight of their trial at Dublin Circuit Criminal Court, Dr Louise Kyne, a consultant paediatrician at Temple St Hospital, told Anne Rowland SC, prosecuting, that she spoke to the child's parents as part of a review of the child's situation. She said the parents told her that the child had been physically punished while at school in her native country.
She said the father told her that people in Ireland have told them the child “was a crazy child” and that people would stop him and ask “if she is normal”.
He said his daughter would hit herself against a chair or a wall, but would not lose consciousness, Dr Kyne testified. He said his daughter had tried to hurt herself in the past and often fell, but felt no pain when she did, she said.
Dr Kyne said her conclusion was that the medical history provided by the parents did not explain the injuries on the child. She told the jury that the injuries were consistent with child abuse and non-accidental injury.
Sustained abuse
Professor Jack Crane told Ms Rowland that he examined a large number of photographs of the child's injuries and concluded the injuries were “indicative of sustained abuse, possibly over several days”.
He said he identified burn marks to the girl's shoulder, arms, both sides of her feet and the palms of her hands. He said that some of these were likely caused by contact with an “extremely hot surface or naked flame”.
He said that an extensive area of bruising around the child's genital area was likely caused by the application of considerable blunt force, such as punching, kicking or the use of an implement.
He said there were marks which could be bite marks on her upper arm towards her shoulder and an extensive area of purple bruising on the child's lower thighs.
He said that while it is difficult to date bruises, the majority of bruises on the child were purple, suggesting they were around a few days old. He said the multiple and complex injuries found on the child were caused principally by blunt force trauma.
“She had been beaten, possibly with a weapon or implement,” he said, noting that the use of a hand or fist would not explain some of the bruises.
Family photo
Professor Crane said that bruising around the face was indicative of blows to the face such as caused by punching. He said the child suffered swelling of the brain and subdural haematoma, or bleeding between the skull and the brain surface. He said the child also had bleeding in both eyes.
He said that the injuries to the head were the cause of the child loosing consciousness and ultimately suffering permanent neurological damage.
He said he looked at a family photograph of the child at the beach taken a few weeks before her hospitalisation. He said there did not appear to be any injuries on her body, head or limbs, and she appeared “alert and fully conscious”.
The trial continues before Judge Martin Nolan and a jury. | 3,764 | 1,714 | 8,085.792299 |
warc | 202143 | In recognition of Global Diversity Month, E-Comm is reminding British Columbians that they do not need to speak fluent English to call 9-1-1. In fact, E-Comm received 1,669 calls to 9-1-1 requiring help in 36 different languages in 2020 alone.
Of those calls, 32 per cent required interpretation services in Mandarin and 25 per cent required interpretation services in Punjabi. From Cantonese, Spanish, Farsi and Arabic to Thai, Cambodian and Greek, the broad range of requests for interpretation illustrates the significant diversity of callers in British Columbia.
With Punjabi being one of the most requested languages for interpretation, we asked our Police Call Taker Jay to help share his top tips for non-English speaking callers in both English and Punjabi. Watch Jay’s video below.
As British Columbia grows increasingly more multicultural, it’s important that we recognize the diversity of the people who call our province home—for us, this means educating diverse communities on 9-1-1 and ensuring that everyone is equipped to get the help that they need in an emergency. | 1,102 | 614 | 1,941.960912 |
warc | 202143 | NET’s FESS Experienced Worker Assessment provides new opportunity for fire industry techniciansNews
Posted by: electime 12th October 2021
National Electrotechnical Training (NET) has announced the launch of the Fire, Emergency and Security Systems (FESS) Experienced Worker Assessment, which provides a new route for fire industry technicians to become accredited to the industry Level 3 standard. The
FESS Experienced Worker Assessment is for people who have been working with fire, emergency or security systems for typically a minimum of five years. Successful completion of the Experienced Worker Assessment is recognised by the Electrotechnical Certification Scheme (ECS) and can be used towards a FESS ECS Gold Card application.
NET is a registered UK charity that owns, manages and develops End Point Assessments and Assessments of Occupational Competence for the electrotechnical industry. To ensure parity across the whole industry, the new assessment has been based on the same content as the FESS Apprenticeship, so both new entrants and existing workers are being assessed and accredited to the same standard.
The assessment process involves a number of elements which must be completed within 12 months. Candidates will need to carry out and record a range of specified tasks in their workplace (covering health and safety, installation, commissioning, inspection and servicing) and upload the evidence to NET’s assessment system. These tasks will be verified by an authorised person to ensure it’s the candidate’s own work, then independently assessed and marked by a NET assessor to confirm they have met the Level 3 industry standard. NET will also carry out quality assurance audits once marking is completed.
Then, in a NET-licensed centre, candidates also will need to complete safe isolation of a single-phase circuit, under controlled conditions.
Finally, they will need to carry out a 90-minute online knowledge assessment in a NET centre, under observation. If they hold certain qualifications, they may be exempt from the online knowledge assessment.
To develop the assessment, NET worked with a group of industry bodies including the BSIA, FIA, FSA, FESS Employer Group, SELECT and SSAIB.
Andy Reakes, Head of Growth at ECS, said: “The FESS Experienced Worker Assessment is a welcome addition to the NET portfolio as it enables experienced workers to have their industry skills formally recognised. This is an important move in order to ensure standards and safety are maintained throughout this safety-critical industry.”
For further information please visit: www.ecscard.org.uk | 2,646 | 1,279 | 5,387.164973 |
warc | 202143 | My.EOU Portal Current Students Faculty/Staff
Apply Visit Request Info
Student-related resources, information and guidelines
We are committed to supporting the health and well-being of our entire EOU community. Together, as a community, we can care for ourselves and support each other by following the community expectations. The values of diversity, equity, and inclusion guided us in our reopening efforts.
Community Expectations
Returning to Campus
Student Services and Programs
Symptomatic or COVID-19 Positive Students
COVID-19 Exposures
Compliance With Community Expectations
The University requires all campus community members and guests, both vaccinated and unvaccinated, to wear face coverings in enclosed public, common areas, as well as outdoor areas where physical distancing is not easily maintained. Face coverings and masks must cover the nose and mouth at all times. The material should fit snugly to the face and under the chin. See detailed mask policy: 6.31.05 Pandemic Face Coverings.
Wash your hands when you return home from a public space, after using the restroom and before preparing food. Proper hand-washing takes at least 20 seconds, and includes scrubbing your palms, wrists, fingers and thumbs with soap under warm water. If you can’t use soap and water, use hand sanitizer with 60% to 95% alcohol content.
Unvaccinated/Partly-Vaccinated Status:
EOU requires students to conduct a self-check for COVID-19 symptoms each day before coming to campus. If you detect known COVID-19 symptoms (including minor ones), stay home, notify your professors, Student Affairs and the Student Health Center. COVID-19 symptoms include: cough, fever or chills, and shortness of breath or difficulty breathing. Other symptoms may include muscle pain, headache, sore throat, new loss of taste or smell, diarrhea, nausea, vomiting, nasal congestion and runny nose are also symptoms associated with COVID-19. The Center for Disease Control (CDC) also has an online Symptom Checker.
Vaccinated Status:
A daily self-check is not required unless one of the following situations develops: (1) you develop any of the symptoms associated with COVID-19, (2) you are informed you have had a close contact with another individual who has tested positive, or (3) upon the University’s request for safety precautions.
It’s OK to stay home, even if your symptoms are minor and you have been fully vaccinated. Resources are available to stay caught up on classes remotely for a day or a week — stay away from others until you’ve been symptom-free for at least 48 hours. Contact Student Affairs (saffairs@eou.edu) or the Student Health Center (541-962-3524) for questions.
All gatherings must comply with EOU’s mask and safety policies and with local, state and county restrictions. To help keep yourself and the community safe it is important to adhere to these state, local, and university guidelines:
As you plan for the school year, we recommend you add comfortable and proper-fitting masks and hand sanitizer to your school supply list.
All students who will be taking in-person classes, living in the residence halls, attending on-campus events, or using on-campus resources must fill out and return the COVID-19 Immunization Verification Form. The form was due September 10. If you haven’t returned it yet, please do so as soon as possible. Not having a form on file could impact your ability to attend in-person classes, move into the Residence Halls and/or receive on-campus services.
The University requires that students take increased precautions at home 14 days prior to moving into the Residence Halls, attending university events, and/or attending any in-person class. Precautions include the following:
This is a protective measure that limits exposure to individuals who may be infected with COVID-19 and can transmit the virus. We recognize that this presents challenges, but it is a highly effective measure to limit the spread of the virus to the EOU community once classes begin.
*Important Note:
We encourage you to speak with your medical provider or identified testing location in advance of your test. It has been reported that some test results have been taking longer than five (5) days to return from the lab. Tests older than seven (7) days will not be accepted by EOU. Advanced communication with these testing providers will assist in receiving your test results within the university’s accepted time frame.
If you have recently tested positive for COVID within the past 90 days, you may send your results to saffairs@eou.edu as an alternative to testing negative.
While you are awaiting your test results, we encourage you to consider practicing general safety measures: wearing a mask while in public, practice social distancing, wash hands frequently, limit exposure with others outside your home, etc.
Vaccinated Status:Students are encouraged to practice precautions, such as those described above, to continue to look after the well-being of the campus community. A negative, PCR COVID test is NOT required if you are fully vaccinated and documentation provided to our Student Health Center (shc@eou.edu).
Students who have a qualifying ADA disability or those in an at-risk group for COVID-19 serious illness, who would like to receive accommodations should make an appointment with by emailing disabsvc@eou.edu or calling 541-962-3235 to reach the Disability Services Office.
To find out the name of your academic advisor, enter your Mountie access username and password at my.eou.edu. Once you are logged in, select the Mountie Hub icon. Select “Student Services” then “View Student Information.” This also lists the location of your academic advisor’s office.
You may also view details at eou.edu/advising. Select the appropriate button, either “Contact your On-Campus Advisor” or “Contact your Online Advisor.”
The Student Health Center is located on the corner of Sixth and L Avenue. The phone number to call for an appointment is 541-962-3524. The Student Health Center will be open starting September 27th, Monday to Thursday from 8:30 a.m. to noon, and 1 to 5 p.m., and Fridays from 8:30 a.m. to12:30 p.m. Telehealth visits are available, as well as in-person office visits when necessary. Please visit eou.edu/health for more information.
The EOU Student Health Center is following Centers for Disease Control (CDC) and Oregon Health Authority (OHA) guidance regarding priorities for COVID-19 testing in Oregon.
Currently, testing is recommended for individuals who have symptoms of COVID-19 (fever, cough, shortness of breath, fatigue, muscle aches, headache, new loss of taste or smell, sore throat, congestion or runny nose, nausea or vomiting, diarrhea). Testing is also recommended for those who do not have symptoms (asymptomatic) but are identified as close contacts of a confirmed case, regardless of vaccination status. If you have been exposed to someone who tested positive for COVID, it is recommended to have a test done 3-5 days after your exposure.
Students who are ill or are concerned about needing a test for one of the above reasons should call the Student Health Center to get an appointment.
The Student Health Center, in order to try to limit the number of students in the clinic at one time and maintain social distancing, requests that you call before walking in to be seen.
The Student Health Center staff will visit with each student individually and determine the best time for a student to come into the Student Health Center if a test or further evaluation is needed to minimize exposure to other students.
If after visiting with one of the providers at the Student Health Center it is determined that a student needs COVID testing, the student will be given an appointment time to come in for nasal swab PCR COVID-19 testing. Students may also access testing through their primary care provider. COVID-19 tests are covered by most private insurance plans and the Oregon Health Plan, if ordered for one of the reasons described previously. Students should call their insurance provider to verify coverage. In many cases, insurance will not pay for COVID testing if it is done for purely screening for work or school, or travel purposes. There is also a program available that pays for testing for students who meet the CDC and OHA guidelines above, who do not have health insurance.
For more information, visit:
CDC: cdc.gov/coronavirus/2019-nCoV/index.html or cdc.gov/coronavirus/2019-ncov/community/colleges-universities/ihe-testing.html
FDA: govstatus.egov.com/OR-OHA-COVID-19
The Counseling Center will be providing HIPAA-secured Zoom sessions for individual counseling sessions and consults with students, faculty and staff. No in-person appointments will be offered at this time due to the difficulty of providing in-person services while still meeting COVID mandates around safe practices.
Because the two therapists are licensed/registered to practice therapy within the state of Oregon only, you must be in Oregon to receive services. Due to the limitations of telehealth services, students with any chronic or crisis type of struggle will be encouraged to seek services within their local community. Check out the Counseling Center website (eou.edu/counsel) for more information regarding current practices.
The Learning Center/Writing Center will offer in-person and remote access tutoring services during the upcoming academic year. The Learning Center, Writing Center, Math Lab, and computer lab have seating and cleaning stations available, and all persons using these spaces and services will be required to follow university guidelines for maintaining safe work and study environments. For more information, please visit the Learning Center web pages at eou.edu/lcenter.
The Testing Center is currently operating online and on campus for EOU incoming students needing a proctor. The EOU Testing Center is not currently open to the general public or other college attendees.
To request an Accuplacer exam, please email testing@eou.edu with Accuplacer in the subject line. We will send you the needed information form to schedule your exam via Zoom.
If you are an EOU student and needing a form of proctoring on campus, please email testing@eou.edu and let them know the test name, course name, professor, company name, etc. and they will reply with instructions and/or questions.
Students have many ways to get connected and involved with our campus community. Our clubs and organizations will offer members a chance to meet both in-person and remotely to help students get connected to their groups.
There will be opportunities to attend events and co-curricular activities in person and/or engage virtually as programs are adapted. Participation in programs will require the use of a face covering and physical distancing.
For more information on clubs and organizations as well as events offered, please visit eou.edu/csi.
Week of Welcome (WOW) kicks off on Thursday, September 23. All participants will be required to wear a face covering that adheres to the university’s Face Mask Policy. To register or find out more information about WOW, please go to eou.edu/wow.
The Outdoor Adventure Program (OAP) will be operating with heightened risk management protocols in place to prevent the spread of COVID-19. Off-campus activities may require unvaccinated student participants to provide their own transportation.
The OAP rental shop will be open: Monday, Tuesday, Thursday, and Friday from 12 to 6 p.m. The climbing wall will be open to EOU students, faculty/staff, and community members, Monday through Thursday from 5:00 to 8:00 p.m. Students will be required to wear face coverings while utilizing the facility.
For more information on outdoor programming and activities please visit eou.edu/outdoor.
All students, regardless of vaccination status:
If you develop symptoms of COVID-19, test positive, or have been tested and are waiting for the results, please take the following steps:
Please note: We recommend students use EOU’s Student Health Center if they are symptomatic. The Health Center can provide COVID-19 testing and/or help the student gain access to testing.
Because of the varying vaccination statuses among our community, there are different processes that the CDC, public health departments, and EOU have developed to limit the spread of COVID-19:
Unvaccinated/Partly-Vaccinated and COVID-19 exposure:
In the event you are a close contact with someone who has tested positive for COVID, the following will take place:
Vaccinated students and COVID-19 exposure:
Abiding by community expectations allows us to reduce the spread of COVID-19. Together it’s possible!
To maintain the health and safety of EOU and the local community, it will be necessary for EOU to address any non-compliance of the EOU Mask Policy, physical distancing expectations, or any other state or local mandates or policies.
More serious violationsor repeat violations will be addressed through EOU’s conduct system, which could result in suspending a student from in-person learning/activities (i.e., allow them to continue with remote learning) or all enrollment (no remote learning). If the student is residential, it could result in their removal from housing.
Unfortunately, COVID-19 outbreak has brought about xenophobia (prejudice against people from other countries). Race is not the carrier, and EOU does not condone acts of exclusion, harassment, hate speech and lack of sensitivity. Such actions impair our abilities to work together as a community at this crucial time.
If you experience or witness racism and/or bias incidents please contact one of the following campus resources:
You may also file an incident report by clicking here. | 13,902 | 5,880 | 32,461.642857 |
warc | 202143 | CDC Director Approves Booster Dose of Pfizer COVID-19 Vaccine for Older Adults, At-Risk Workers This information is provided by national senior living association partner, Argentum.
CDC Director Rochelle Walensky endorsed Pfizer COVID-19 vaccine booster shots for people 65 years of age and older and residents in long-term care settings, as well as people 50-64 years of age with underlying medical conditions—citing that these groups “should” receive the shot. Additionally, individuals 18-49 with underlying medical conditions and those 18-64 who are at increased risk due to an occupational or institutional setting “may” receive the shot, according to the CDC. All Pfizer booster shots should be administered at least 6 months after the Pfizer primary series of vaccines have been completed.
Walensky’s approval for boosters for at-risk workers strayed from the recommendations made and voted on (9-6) by the Advisory Committee on Immunization Practices (ACIP), a CDC advisory panel, on Thursday afternoon. Those who voted “no” for at-risk workers signaled a lack of evidence to support that people were at higher risk of severe COVID-19 due to their profession. However, the CDC shared that there is emerging evidence indicating that vaccine effectiveness is waning among health care and other frontline essential workers. Due to this, the CDC recommends that adults at high risk of disease due to their work or workplace get the Pfizer booster based on individual benefits and risks. More data and FAQs from the CDC is attached.
Earlier in the week, the FDA’s Vaccines and Related Biological Products Advisory Committee met and voted unanimously to recommend Emergency Use Authorization (EUA) for a booster dose of the Pfizer COVID-19 vaccine to be given six months after full vaccination for those 65 and older and those at high risk of severe illness due to COVID-19. They also informally suggested that health care workers be considered for the booster dose. The Pfizer COVID-19 vaccine received full FDA approval for those 16 years of age and older on August 23, 2021.
The CDC has shared that “individuals can self-attest (i.e. self-report that they are eligible) and receive a booster shot wherever vaccines are offered. This will help ensure there are not additional barriers to access for these select populations receiving their booster shot.” Additionally, the CDC has indicated it will be reviewing data in the coming weeks to make recommendations regarding booster doses for the Moderna and Johnson & Johnson vaccines. Argentum’s Vaccine Task Force is finalizing guidance for members on resources for booster implementation in senior living communities, and that guidance is forthcoming. We are continuing to stress to the administration the importance of continuing to prioritize senior living residents and employees in future decisions and encouraging them to do everything they can to support the resourcing needed for effective and efficient implementation of the additional doses. | 3,070 | 1,452 | 6,351.432507 |
warc | 202143 | © Mike Mozart/Flickr
The CEO of Kraft Heinz, Bernardo Hees, has said that acquisitions are a part of the company’s culture – less than three months after it launched an audacious $143 billion bid for Unilever.
Hees was responding to concerns from investors that the company’s incessant cost-cutting would reduce its ability to target a major acquisition – even if Unilever proved too big to capture. The Anglo-Dutch company had turnover more than twice that of Kraft Heinz last year, and it firmly rebuked February’s approach by saying that it didn’t merit further discussions.
Hees said: “If you think about our culture and what it’s all about, it’s actually quite simple and very consistent over decades. It’s all about ownership, meritocracy, high performance, brands, and dreaming big. It’s all about those five things. And I truly believe those five things are applicable in many companies and many segments and so on. So through this culture we have… I don’t think it will be more difficult or easier to do any other transaction.”
Analysis: ‘Rumour mill in overdrive’
Since Kraft Heinz’s approach for Unilever, the rumour mill has gone into overdrive. We know that the business is looking to grow its reach considerably, and is almost certainly chasing alternative acquisitions to achieve that more quickly. General Mills, PepsiCo (or at the very least Frito-Lay) and Mondelēz – itself embattled by calls to replace CEO Irene Rosenfeld – have all been touted as potential targets for Kraft Heinz, though nothing has emerged to suggest that a bid for any of them is even likely. So, given Bernardo Hees’ comments today and the suggestion by Kraft Heinz’s chief financial officer that whether an acquisition target has non-food brands is almost immaterial, expect to hear a lot more rumour and conjecture about the company in the coming months.
On a more definitive note, Kraft Heinz announced its first-quarter results this week. Net sales were down 3.1% to $6.36 billion, primarily driven by lower consumption in North America. Will this expedite the company’s attempts to find a suitable growth partner?
Kraft Heinz’s chief financial officer, Paulo Luiz Araújo Basílio, went on to clarify its position on expanding Kraft Heinz into vertical markets. When Kraft Foods and HJ Heinz merged in 2015, the pair said that they wanted to create a global food and beverage powerhouse.
A deal for Unilever would have added a number of high-profile of domestic and personal care products to Kraft Heinz’s portfolio, which is presently focused exclusively on the food and beverage industry. The $143 billion bid was partly so surprising because it would have completely transformed the nature of Kraft Heinz’s business. That has led to speculation that the US company might, in place of Unilever, look for new acquisition targets that expand its presence into the personal care category, the foodservice channel, or even a completely distinct market like tobacco.
Araújo Basílio said: “Related to the Unilever potential transaction, we really believe that, as I said in the M&A framework, it’s kind of – again, if you go back here in terms of only consumer brands, brands with a strong market share, brands that can travel, similar go-to-market, similar operation – I think at the end of the day that these two segments of consumer goods are very similar and that’s the reason why you see many companies operating [different] brands for consumers: sometimes food, sometimes personal care, sometimes healthcare.
“The way that we think about our M&A framework, which hasn’t changed since the beginning, is pretty much that we want to own brands that we’d be happy owning for the long run: brands with strong equity, strong relative market share, brands that can travel. But we also analyse how the business operates, the go-to-market of the business, and more important than that how the business… would operate better, how they [can grow faster by] being together. And, of course, during this analysis, we take everything into consideration, including all the synergies that we have, all the options that we have in terms of getting a better performance.”
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warc | 202143 | The classic book, “How to win friends and influence people” by Dale Carnegie has sold in its millions. This is an updated version of that all-time classic and includes new information for the digital age. The book, which has sold 15m copies, has been updated to take into account things like social networking, mobile communication and so on. If you have never read this influential book, this new version is well worth looking at because unlike the original, it is directly relevant to modern times. And if you’ve read the old version, this new book is a great idea because it will help you understand how the old principles fit into the modern world. One of the important messages in this revised book is “because we live in an age when celebrity influence can be borrowed like credit lines and media coverage can be won by squeaky wheels it is all the more critical that every communication opportunity matters – that every medium you use be filled with messages that build trust, convey gratitude and add value to the recipients.”
How to win friends and influence people in the digital age Like this article? Other posts that might be of interest
If you want to increase your sales, your business needs to make it easy to find everything. That means reviewing how your web search works. It suggests you might need to reconsider the navigation structure of your website. It might even mean you need to distribute your content away from your site and have it on a variety of different platforms. | 1,531 | 807 | 2,840.033457 |
warc | 202143 | Saving pennies on energy
Low-income residents of Butler County may soon be receiving help in lowering their home energy bills.
Governor Bob Riley recently awarded $69,043 to the Organized Community Action Program (OCAP) in Troy to support their weatherization program.
The funds will be used to make home improvements such as sealing air leaks, repairing and replacing windows, installing insulation, patching small areas in roofs and repairing and replacing doors.
To be eligible to receive assistance, an applicant's gross income must not exceed 100 percent of the established poverty level for the state, said OCAP county coordinator Joann Bonner.
Because the program serves seven Alabama counties, including Bullock, Butler, Covington, Crenshaw, Dale, Lowndes and Pike, Bonner said she does not yet know how much money Butler County will receive or when it will be available.
&uot;It could be tomorrow, it could be next week or it could be a month from now,&uot; Bonner said. &uot;Also, the moneys will be more heavily distributed to the neediest areas.&uot;
She also said that once Butler County receives the funding, it will be given out on a first come, first serve basis.
However, applications cannot be taken until the funding comes in, Bonner said.
&uot;It would be like trying to write a check with no money in the bank,&uot; she said. &uot;The check would just bounce.&uot;
How much each applicant receives will be determined on factors such as household size, fuel type used in the house and income.
For example, Bonner said, a one-person household earning $0-$137 each year would be eligible to receive $107 to help with their electric costs. A one-person household earning $308-$615 each year could receive $140. A one-person household earning $616-$923 each year can receive $110. One person earning more than $923 annually cannot be eligible for the grant.
&uot;The main issue is you must be income qualified,&uot; Bonner said.
If a person has already been assisted this summer by OCAP, he or she is not qualified to receive this most recent funding, Bonner said, because the eligibility policy is one application per household per year.
For more information, contact Butler County OCAP at 382-2351. | 2,232 | 1,130 | 4,377.090265 |
warc | 202143 | So this thread is for ranting and raving? Am I allowed to do so in a civil manner? Then I will repeat what I have said more than once before, knowing full well many will label me either crazy, or a quack, or both. And most of you already know what I am about
to say, because you have heard it all before. But as long as what I call ( if I am to be nice ) "the insanity" continues, then I must speak out.
Despite numerous RCTs and non randomized trials, our governmental and medical authorities refuse to advise the public about
the probable benefits of high blood levels of vitamin D, vitamin C, zinc, and most especially IV vitamin C. Once again I say that the majority of folks who end up in ICU and on a ventilator and even dying from CV-19 actually end up dying from sepsis. The very same sepsis ( multiple organ failure) that kills so many other ICU patients, though the sepsis is normally caused by something other than CV-19. Like, for example,our normal flu viruses. Or various other massive infections. Or trauma. The original cause varies, but it is the progression to sepsis that very often actually does us in.
There have now been multiple RCTs showing an extremely significant benefit for supplementing with high doses of vitamin D when it comes to the ability to fight off flu virus and asthma attacks(after all, the #1 trouble with CV-19 or flu leading to death is lung related issues). I have previously linked to these RCTs.
There are now multiple studies indicating that IV vitamin C is tremendously helpful- indeed more helpful than any drug they already have- for treating sepsis, Especially when administered at the very first sign of sepsis.
Now, most of us can not get IV vitamin C even if we beg or raise heck, but it is rational to assume that massive doses of oral vitamin C might offer at least some benefit. And even more likely that a new form of oral vitamin C, liposomal, would help even more, a lot more. But once you are actually sick enough with CV-19 for the hospital, IMO and until proven otherwise, to withhold IV vitamin C is major malpractice, immoral(until proven useless) and is responsible for a significant # of deaths. IMO.
But what if once the big RCT in China, with 24,000 mg per day of IV vitamin C, once the results are released, Vit C proves to be of little or no help for CV-19? Well big deal. There has not been a single study so far, using massive doses(much larger than 24K mg/day) that has shown any significant SEs from that treatment. And it is dirt cheap compared to any drug we have, all of which do have SEs. So if they try it, it is highly unlikely to hurt anything, and at little cost. So why in the heck would you not try it? Or what if the studies show a benefit of only 10%, like our flu shots some years, how many lives would that save?
Every time I see another big 2 hour press conference with doctors telling us about
their hopes for this drug or that vaccine, while continuing to tell us how for existing drugs "there is no evidence so we don't dare recommend it even for already dying patients", and then they continue their silence about
evidence for benefits of these approaches, it makes me want to puke. Or scream at the TV. How can they not at least tell the public " this MIGHT be of some help"? How can they not tell physicians "hey, there is at least some evidence that high dose vitamin C might help and most likely will not hurt."? WTH?
I stumbled on to this study last night. It is comparing placebo to "lower dose"(still considered high by some folks) IV vitamin C to high dose IV vitamin C to placebo. This is similar to Dr. Marik's studies which I have linked to before, except without the hydrocortisone and Vitamin B1, and much larger doses(at least in the high dose group) of IV vitamin C than Marik used. Now let me go ahead and say that these very same folks did a more recent study, for some reason only using the lower dose of vitamin C, and did not have near as impressive results as their first study in many areas, BUT STILL had a very significant improvement in the most imprtant bottom line: mortality. Just like Marik did. But scroll down to figure 4(EDIT: error, I meant fig 2) "Effect of ascorbic acid(vitamin C) infusion on Sequential Organ Failure Assessment (SOFA) score (days 0–4)". Notice that, compared to placebo, the "low dose" Vit C( 50 mg/kg/24 hr, or about
5000 mg/day for a 100 kg person, really not all that much) slashed the SOFA(organ failure) score very significantly, whole placebo got slightly worse. But more importantly, notice that "high dose" (200 mg/kg/24 hr, or about
20,000 mg/day for a 100 kg person, still not all that much as some folks give 100K mg/day IV) slashed the SOFA score an equal additional amount! As the authors summarized:
"SOFA scores are robust indicators of mortality during critical illness. SOFA score increases during the first 48 hours of ICU care predict a mortality rate of at least 50% [26]. In this study, the extent of organ failure accompanying patients with severe sepsis was high with an average SOFA score for all patients equal to 11.4 ± 3 confirming that multiple organ failure was present at enrollment. Given that the mean plasma ascorbic acid levels on admission were subnormal (17.9 ± 2.4 μM), a mean initial SOFA score of 11.4 ± 3 in patients with severe sepsis was not surprising.
This study is in agreement with other studies which show that plasma ascorbic acid levels in severe sepsis correlate inversely with the incidence of multiple organ failure [13]. We showed that the addition of ascorbic acid to standard of care practice (i.e., fluid resuscitation, antibiotics, vasopressor medication) for patients with severe sepsis significantly reduced organ injury. Ascorbic acid treated patients exhibited prompt and sustained reductions in SOFA scores
during the 4-day treatment regimen unlike placebo controls where SOFA scores slowly increased over time. SOFA score reduction was most remarkable in patients receiving the high dose ascorbic acid infusion.............................
No patient in the low or high dose ascorbic acid treatment arms of this study suffered any identifiable adverse event.
As noted above, the one instance in which ascorbic acid infusion was halted for a cardiac rhythm disturbance was determined to be artifact by the Division of Cardiology. Thus, a pharmacologic ascorbic acid treatment strategy in critically ill patients with severe sepsis appears to be safe...................". Please realize what these results mean: the Sepsis Organ Failre (SOFA) scores increased in the placebo group, which most assuredly were getting all the best that a modern medicine ICU had to offer. Then they added the vitamin C, and organ failure score plummeted. Why is this not headline news, and why do our med/gov authorities not tell us about
such as this? (this is not the only study) And why aren't there studies going on in every hosptals in America? WTH?
Can any one tell me why these doctors and government officials are not recommending that every one admitted to ICU with CV-19 be started immediately on IV vitamin C? After all, if it doesn't really help much, what is it going to hurt? Or why they are not telling the public about
this, and why they don't tell us that it is also at least possible that keeping blood vitamin D and C at good high levels might keep them from ever needing IV vitamin C in the first place?? This is something worthy of ranting about
. It is quite possible that thousands will die for lack of this available, cheap, SE free treatment. Which for some bizarre reason they refuse to mention to us. I'll leave it to Y'all to figure out why. https://www.ncbi.nlm.nih.gov/pmc/articles/pmc3937164/
Post Edited (BillyBob@388) : 5/4/2020 2:31:23 PM (GMT-6) | 7,838 | 3,671 | 16,589.828385 |
warc | 202143 | We advocate that you just learn the Product abstract to acquire extra details of inclusions, exclusions, ready periods and limits which will apply. Our charitable belief was set as much as encourage analysis and enquiry into the provision, administration and delivery of health services in Australia.
Any household floater or individual coverage can be switched from/to. supplies coverage from Rs. 1 lakh to Rs. 5 lakhs, with a ready period of just 30 days. However, the waiting period for particular ailments ranges from 24 months to 48 months, which depends on the illness as properly. Provide accurate information concerning your health in the proposal type, as any type of inaccurate or mismatched information can make the insurer reject your claim type. Disability insurance Get assist defending your family & enterprise from an sudden sickness or accident that leaves you unable to earn an earnings with Manulife’s incapacity insurance. Cigna is a world health service company dedicated to helping individuals enhance their health, wellbeing and peace of mind.
The buyer care team of the policybazaar is excellent and understood my concern. My concern was related to coverage correction and my work was resolved in lower than 2 days. This move will scale back out-of-the-pocket bills for patrons. It will apply to new insurance policies that are issued on or after October 1, 2020 or are due for renewal from April 1, 2021. Proportionate deductions shall not apply to ICU costs and in-room class if the hospital does not observe the differential billing.
Paperwork concerned.You will want to keep observe of your medical expenses to point out you’ve met the deductible. What medical doctors you can see.Any in the plan’s community; particular person plans might have further guidelines on specialists. You can see in-community suppliers your major care physician refers you to. What medical doctors you’ll be able to see.Any within the EPO’s community; there isn’t any coverage for out-of-community providers. You will also see insurance manufacturers related to the care ranges.
After the new agency receives all details concerning your previous policy, he has to determine on underwriting your insurance software within 15 days. If the new agency fails to abide by this period, he shall be bound to just accept your application. The company offers both individual and company insurance options by way of its 105 branches and 9000 plus brokers in the nation. With the new policy, the terms and conditions, including the premium are at the discretion of the new insurer.
Optima Health is here that will help you get again on track along with your preventive care, immunizations, and illness administration as safely as possible. Everything we do is driven by our mission to assist enhance your health, properly-being and peace of mind. Our plans are particularly designed for people and households residing abroad. From labs to pharmacies, docs to pressing care – we’re your one-cease shop in your health wants. This health plan is for seniors and individuals with disabilities who’re eligible for each Medicare and Medicaid. We supply Medicare plans for a variety of wants and budgets. Many bronze plans might qualify as HDHPs depending on the deductible .
This consists of treatment of a persistent or pre-present medical condition that turns into necessary throughout your visit. From 1 January 2021, your new UK EHIC will only be legitimate within the EU country you’re finding out in. Make positive you even have travel insurance to cowl the duration of your course. State and Federal Privacy laws prohibit unauthorized entry to Member’s private info. Individuals attempting unauthorized access will be prosecuted. of every greenback obtained in premiums was paid out in claims1.
To confirm Stanford Health Care has in-network standing on your plan, please search for your plan within the applicable insurance class below. You may wish to contact your insurance supplier instantly to verify Stanford Health Care’s standing. Access your health info from any gadget with MyHealth. You can message your clinic, view lab results, schedule an appointment, and pay your invoice. Medical appointments skipped because of COVID-19 associated closures or fears could result in health points. | 4,361 | 2,133 | 8,775.157993 |
warc | 202143 | If your Company sponsors an employee benefit plan (this includes 401(k) plans), an audit of that plan may be required. What triggers the need for an audit? The number of participants. Plans with 100 or more participants at the start of the plan year are considered “large” and generally require an annual audit, while plans …
Proper preparation for your year-end 401(K) audit can lead to a much smoother and effective audit experience for both your company and your auditor. A constant line of communication leading into the audit will allow both parties to be as efficient as possible, especially when it comes to performing fieldwork. In addition to what your …
Alternative investments are generally defined as investments that do not have a readily determinable fair value. This means this type of investment is not listed on a national exchange, and quoted market prices are not published in financial publications. These investments also do not face the restrictions or regulations that a typical investment, such as …
An audit committee is a crucial component of a company, whether it has to do with the company’s balance sheet, or their 401(k). They have the responsibility of keeping an objective point of view when it comes to the legal and compliance aspects of the financial statements. Recently, in an Accounting Today article, Dr. Lola …
Throughout the administration of 401k plans, employers may at times run into fiduciary violations under the Employee Retirement Income Security Act (“ERISA”). If this happens, you may be eligible to apply for voluntary relief from enforcement actions, including assessments of civil monetary penalties through the Voluntary Fiduciary Correction Program (“VFCP”). The VFCP was designed to …
On October 27, 2016, the Internal Revenue Service (“IRS”) announced the cost-of-living adjustments (“COLA”) for the 2017 tax year. These COLA rates are used to adjust over 40 tax provisions from the standard deduction and personal exemption to retirement plan limits. Based on changes in the consumer price index, used by the IRS to determine …
Corporate governance is how a company polices itself and employees. It is intended to increase the accountability of the company, serve as a preventative measure, and help build transparency and trust. Corporate governance as it relates to plan administrators involves meeting your fiduciary responsibilities. Under the Employee Retirement Income Savings Act (ERISA), meeting your fiduciary …
Employers are allowed to terminate 401K benefit plans offered to employees for a variety of reasons. Employers are not required by law to provide retirement savings plans, and can terminate them as a part of a bankruptcy or merger, in order to switch to another type of plan, or voluntarily terminate the plan. According to …
Many retirement plan participants may already know about the option to take out a loan against their retirement account. What you may not know about is the option to take out a hardship (though, all plans may not offer the option). A hardship, as defined by the Internal Revenue Service (“IRS”), “must be made on …
Does your plan have target date funds (TDFs)? Are you doing enough in managing those investments as the plan fiduciary? Let’s see what the Department of Labor (“DOL”) says about these funds. The DOL has general guidance on the selection and monitoring of TDFs. With many plan sponsors making these TDFs available to participants, it … | 3,600 | 1,723 | 7,216.715032 |
warc | 202143 | Today, the A/R professionals not only have to deal with multiple payment methods, but they also have to sort through remittance advice that comes separately. Moreover, these remittances come in a variety of formats such as email attachments, check stubs, scanned images, etc. This inconsistency of payment types and remittance advice formats pose an enormous challenge to extract and aggregate data.
With this prominent shift companies have started to set-up online web-portals as a cheaper way to distribute remittances to vendors making the job of AR collectors tedious. On top of all this, cash application is a time-invariant process; its speed and efficiency directly affect the business’s performance. Thus, expressing a need for an automated process that will save plenty of crucial work-time and enable a faster cash posting process.
The manual cash application is an even more troublesome, time-consuming, and labor-intensive part of the order-to-cash cycle, and in some ways, the most important part of the process.
Due to inaccuracy in cash application, the domino effect might take its toll on Credit Management as well. It might lead to inaccurate customer credit limit data. And therefore, it might have a direct impact on customer satisfaction.
Domino effect seen due to inaccuracy takes its toll on other aspects of the integrated receivables. This leads to dunning for the inaccurate amount.
The scenario with deductions is not different from other processes. Inaccuracy in any one of the processes might lead to longer resolution time in deductions management.
The firm processes more than 27,000 payments every month, and 82% of the processed payments are made through checks thus they were looking for 100% manual cash application work for these manual & electronic payments. To put themselves out of this dreadful situation, they shifted towards an intelligent, easy-to-deploy solution that automates painlessly. They adapted the
which allowed them to master these challenges in their cash application process. Automated Cash Application Platform
The pain of slow-witted & error-prone cash application does not need to be felt any longer with AR automation platforms on the market. With an efficient cash application process, EmployBridge achieved progressive results:
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HighRadius Cash Application Software enables the end-to-end automation of the cash application process that covers major benefits such as AI-enabled data capture for remittances, auto-linking of payments with open invoices, cost-cutting on lockbox fees and easy compatibility with any system due to its ERP-agnostic Saas infrastructure. Apart from the major benefits that it has, there are some key features which can not be missed out, some of them are Email Remittance capture, Discounts and Deductions Handling, Check Remittance Capture, Web Remittance Capture, Invoice Matching, and RDC & Mobile Payments. | 3,384 | 1,657 | 6,770.042245 |
warc | 202143 | Eating barbecued meat increases the risk of kidney cancer, scientists have warned.
Research conducted by the University of Texas found flame-grilling red meat produced carcinogens which the kidney must work hard to get rid of.
Dr Xifeng Wu, professor of epidemiology and senior author of the study, said: "We found elevated cancer risk associated with both meat intake and meat-cooking carcinogens, suggesting independent effect of meat-cooking carcingens on RCC [renal cancer carcinoma] risk.
"Our findings support reducing consumption of meat, especially meat cooked at high temperatures or over an open flame as a public health intervention to reduce RCC risk and burden."
Renal cancer carcinoma, the most common type of kidney cancer, sees malignant cells form in tubules of the kidney. Symptoms include blood in the urine or a lump in the abdomen, according to the National Cancer Institute.
The new research, which is published in the American Cancer Society journal, compared the diet of 659 patients with renal cell carcinoma to those of 699 healthy people. Aside from diet, genetic variants also played a role in people's susceptibility to the harmful effects of carcinogenic chemicals.
Obesity and high meat consumption in developed countries also worsened the issue, said Dr Ian Johnson of the Institute of Food Research.
"Renal cell carcinoma occurs more frequently in higher income countries than in less developed parts of the world, and so it seems probable that it is caused in part by a Western lifestyle," he said.
People who ate the most processed meat - meat that has been cured, salted, smoked or preserved in some way, but not including mince - were found to be 17 per cent more likely to develop bowel cancer.
The discovery that heating some foods can releases bad chemicals echoes other evidence this week that heating vegetable oils also releases "toxic chemicals" linked to cancer and neurodegenerative diseases.
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warc | 202143 | Hampshire, UK – 10 September 2013 – New findings from leading hi-tech analysts, Juniper Research, have revealed that hardware and service revenues from app-enabled smart wireless accessories will exceed $23 billion in 2018, compared to $2 billion this year.Read more
(Newbury, UK) — Machine-to-machine (M2M) communication is going to be big in every industry – very big. So says mobile network operator Vodafone, whose analysts forecast that 2.1 billion devices will be internet-connected by the end of the decade.Read more
Oyster Bay, NY, USA (Business Wire) — Global cellular machine-to-machine connections are set to reach over 450 million by 2018, according to ABI Research in an update to its M2M Market Data report. Europe dragged down worldwide connection growth in 2011 and 2012 to the high teens percent but, with improving world economics, connection growthRead more
London, UK – Convergences among transportation, energy and cities will become reality as new technologies emerge to enable a more efficient and sustainable delivery of services consumed in an urban setting.Read more
London, UK – Telecoms-operator activity in the automotive sector has accelerated sharply in the last 12 months as the connected vehicle continues to inspire new services and partnerships. According to Informa Telecoms & Media, 58% of the world’s major telecoms-operator groups are active in this marketRead more
Redwood Shores, California, USA. 23 Jul 2013 – A new study, released today by Oracle, reveals that although utilities are increasingly prepared for the smart grid data influx compared to last year, they are still struggling to fully leverage the data collected.Read more
Campbell, California, USA – –Infonetics Research has released excerpts from its latest ‘Mobile M2M Modules’ report, which provides market size, analysis, and forecasts for mobile M2M modules by technology, vertical, and region.Read more
Kings Hill, UK. June 26, 2013 — Tomorrow sees the release of new research findings from a survey conducted by Oracle and Beecham Research. The market survey is on the Use of Connected Devices for Machine-to-Machine (M2M) & Internet of Things (IoT) applications and new trends. Results will be disclosed in a webinar discussion onRead more
Newbury, UK. June 26, 2013 — Vodafone today announced the launch of its first annual ‘M2M adoption barometer’ report, which finds that 50% of companies surveyed will have adopted the technology by 2015.Read more
London, UK — SIMalliance has published an updated technical document for mobile network operators (MNOs). It specifies the integrated features required to provide optimal UICC support for LTE network and IMS services deployment.Read more
Gothenburg, Sweden – According to a new report by Berg Insight, global sales of handsets featuring near field communication (NFC) grew 300% in 2012 to reach 140 million units. Growing at a compound annual growth rate (CAGR) of 48.2%, annual shipments are forecast to reach one billion units by 2017.Read more
Austin, Texas, USA – The market for smart grid sensors in North America is expected to grow dramatically during the next two years, according to a study published by IMS Research (now part of IHS Inc.).Read more
Revenues from ‘smart vehicle’ apps to rise ten-fold by 2017, according to report by Juniper Research
Hampshire, UK – The smart vehicle will become the new frontier for app developers over the next five years, finds a recent Juniper Research report. It forecasts that the market for in-vehicle apps will be worth over US$1.2 billion by 2017, as car manufacturers continue to embrace new infotainment ecosystems.Read more
Insurance telematics, a system through which premiums can be calculated based on an individual’s driving habits and behaviours, represents a significant opportunity to insurance companies, according to a new survey by YouGov and O2, the commercial brand of Telefónica UK.Read more | 4,064 | 1,991 | 8,007.570065 |
warc | 202143 | Or another effect that students are not well prepare enough for the real world because they just try to get the degree to graduate and actually not learn anything. If going to college is free, it is similar of students go to elementary, middle or high school, they are just going to school and are not really think ahead of their future. But when students get to college, hopefully they are old enough to realize what is best for them. If free college could happen, students should be thankful for that and try their best to achieve what they want. College should be free because of it can makes a big effect on student 's lives.
If schools were to allow coffee and other caffeinated beverages then students would be energized and hyper for a solid ten minutes. Afterwards, they would crash. Later on, when it is time to go to sleep, the students that went overboard with the calories and the sugars will not be able to rest. This can become a never ending cycle and can cause them to do terrible in school. Nutritious drinks are a solution to this major problem that can even end up causing serious health effects.
“It’s an irrefutable fact that college gives you a significant and persistent advantage decade after decade” (Daly, 2). However, not knowing what you want to do and not succeeding at it would make the college tuition not worth the money. College is very important because of the life experiences and financial gain you will have. College is worth the expense of tuition because you learn about life. Such as the personal responsibility of being on your own, having the motivation to get up in the morning to go to class, cleaning up after yourself, and all of the friends and connections that you will make and have in the future.
Although money doesn’t buy happiness, it sure does help with bills, debts, and other stuff, but if you really want to go to college and you need your bachelor’s or associates degree to use for the real world then do it. Pay the money you need to so you can do what you really want to do but if you really love what you do or are going to do then you wouldn’t be working a day in your life.
Being in high school is time consuming. With some high schools adding community service as a requirement to graduate, it puts on more time for students. Yes, community service is good on college applications and it helps the environment and what not, but it should be optional. High school has enough requirements which includes certain classes that a student must take. Volunteering should not be mandatory because students already have enough responsibilities; they might have jobs, the need to be social and healthy, and if it’s supposed to be voluntary then it shouldn’t be forced.
The effervescent tablets come in different flavors and give an extra dose of vitamin C which can appeal to many other people who do not like to take pills. Airborne has done a good job at making sure the commercials are reaching their target market and making them personal and relatable for every watcher. By showing consumers examples of how it feels when our immune systems are low, and we are feeling drained. Whether we are at home, at work, on vacation, or even on an airplane the commercials relate to our busy lifestyles. There was a lawsuit in 2008, against Airborne for providing false advertising.
For the college education system to be fair, either employers need to stop viewing a college education as the only way to prove one’s ability to do work, or education needs to be made widely accessible to anybody seeking it. Both options would make those seeking well paying jobs without having to risk debt to do it. College would again be about the pursuit of knowledge and learning, not merely a hoop to jump through to gamble the possibility of a successful
“You’ve got a lot of street smarts, kid, but you need a college degree to succeed in business.” How many times have you been told this by prospective employers who shut the door in your face after learning you never attended, or didn’t fnish college? The stigma of lacking a college diploma could have dashed your dreams for a successful career—sending them straight out the door and into the trash bin. But wait, you’re intelligent, highly motivated, and you like to take risks! It’s not that college didn’t cross your mind; perhaps you didn’t have the funds, or maybe you just didn’t want to put your ideas on hold while you were sitting in a stuffy classroom for four years. So why should you be penalized?
Nothing in life is free, it may not come out of your pocket directly, but it will come out of someone else’s. It doesn’t help that students are not committed to school now. The graduation rate for first time students at the regular four-year public establishment is 48.3%. How does that make sense and why make it free if we can’t even maintain our college graduation rates up? Making college free to all is not going to give the big picture a great return on their investment.
How many times has a student complained to you about stress? If you are one or a teacher at a highschool then you probably hear that every day multiple times a day. Are they just being dramatic, lazy, or just saying it to get a reaction? I think not, there are many studies being done about how highschool students are actually stressed and how it leads to other health problems and highschool student actually are pretty busy. Many parents, teachers, and other adults say that us student are being lazy, or dramatic that we really don’t have that much to do, they could be wrong in some cases, there’s alot more to us students than a teacher or parent can see. | 5,774 | 2,681 | 12,153.182395 |
warc | 202143 | 30/09/2021
Top 5 Signs Your Water Well Is Drying Up
It's everyone's nightmare scenario.
You're rushing to get ready for the day and go to turn on the tap, only to realize something is very wrong. Your well has run dry.
How could you have avoided this early morning meltdown?
Knowing the warning signs of a well drying up can save both your wallet and your schedule from disaster. Here's what to look for to avoid missing out on your morning shower.
Muddy Water
When water wells run low, sediments can mix into the water supply. These dregs can cause water to take on a muddy appearance.
The muddy water can be unpleasant or even dangerous to drink. It can carry diseases that are damaging and, in some cases, fatal to humans.
Additionally, excess sediments in water can get stuck in your pipes, causing hard-to-reach blockages.
Change in Water Taste
Sometimes when sediments mix into well water, they cause a change in taste or even smell rather than appearance. This can be a very early sign of low water reserves so trust more than your eyes when it comes to requesting water well services.
Leaky or Spluttering Faucets
No one likes a leaky faucet. If your spouts are spluttering or leaking without noticeable cause, it could be that your well pump is having a hard time drawing water.
Low water levels can cause air to enter the plumbing system, which then creates dripping and breaks in the stream of water coming out of your faucet. These leaks can be a big issue not only for your water supply but for your overall water use.
Low Water Pressure
Low water pressure happens, especially in rural areas. But frequent slow water flow can be a sign that your well is running low.
It can also be a sign of a failing well pump or closed valve.
With professional consultation, you can determine the root cause of your low water pressure and save yourself the frustration of a sluggish shower.
A Running Water Pump
A water pump running for extended periods of time can be due to water level decreases. Since water has to be drawn up, low water levels can make it harder for the system to fetch what's there.
This can mean trouble now and down the line as the pump continues to draw on the limited water available.
How to Prevent a Water Well From Drying Up
Luckily, it's possible to prevent a well from drying up completely and causing permanent damage to your well pump and system. Water well service from J.R. Drilling Central Limited Partnership can provide expert help for residential customers, including additional well drilling and geotechnical services.
Additionally, as a local business serving Williams Lake, BC for over 25 years, we have the specialized knowledge you need to best utilize your water well and keep it running smoothly for years to come. | 2,785 | 1,403 | 5,476.703493 |
warc | 202143 | We're often lost in an abstract conversation about buzzwords, statistical trends or hotly debated legal issues - but in this conversation, something vitally important can get lost.
That 'something' is the vulnerable refugees that come to the UK seeking shelter, safety and a new start.
Fortunately, these people are not forgotten - and there are groups in our communities actively trying to rise above the noise and do something positive to help.
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There's no better example of this than Sevenoaks Welcomes Refugees (SWR).
Formed in 2015 in response to the Syrian Refugee Crisis, SWR started life as little more than signatures on a petition to Sevenoaks District Council.
Co-chair Jude Thompson, co-chair of the group, said: "In 2015, our government said that they would take 20,000 refugees from Syria, with local authorities asked to sign up to take in refugees.
"But it was discovered that Sevenoaks district council was the only part of Kent, that hadn't signed up to take any refugees - and the organisation started with a petition which was successful in making Sevenoaks council decide to sign up."
In 2015, the bulk of refugees coming into Europe and the UK were from Syria amidst the fallout from Assad's regime, with the UK's Syrian Vulnerable Persons Resettlement Scheme forming the spine of the government's official response to the exodus of people from Syria.
Those that were welcomed to Sevenoaks by SWR have all, in recent years, come via that same resettlement scheme.
At the time of writing, six Syrian families have been welcomed in - and as Jude explained, they have all been in need of a welcoming new home.
She said: "They all have a vulnerability - which may or may not be obvious to us.
"But before they arrive here, we are the organisation finding the properties [for them to live in] - which is a big ask.
"We've been fortunate in finding some extremely philanthropic landlords who are prepared to house refugees at well below the market rate - and we explain that these will be good tenants."
But SWR's job doesn't end there - as it extends into doing what you'd hope any ideal community would do - by reaching out to the newly settled families to help build human connections and provide support.
Jude continued: "The way that we work is we set up a family team of all volunteers - Sevenoaks Welcomes Refugees is entirely volunteer run.
"We support the families with - well, whatever really!
"I describe it as being sort of the best possible neighbour you can be, but at the same time respecting their family life and rights to privacy.
"So it could be giving lifts, chatting over coffee, supporting children with early reading or homework - anything really.
"Another big part of our volunteer base is a team who are dedicated to teaching English."
This is vitally important - as many refugees come from countries where there is no certain point at which it would be safe to return - so many will settle in the UK for the foreseeable future, and perhaps even permanently.
The scheme has been a huge success locally too - with the six resettled families now at home in Sevenoaks and being well supported and welcomed by their new communities.
Jude continued: "We have built great relationships - we're well supported by local churches, as well as hospitality outlets in terms of offering jobs.
"I think I can honestly say that the families we've welcomed have not experienced any difficulties in terms of unpleasantness.
"It's a fabulous place for refugees to come and live and bring up their children; all the children who are in school are very happy and are being welcomed by their classmates.
Though the government's scheme of Syrian resettlement that SWR began to take part in is coming to an end, the recent upheaval in Afghanistan means that SWR is gearing up to support another round of vulnerable refugees, according to Ms Thompson.
She said: "We haven't got absolute clarity yet about what those schemes will look like, but there is a sense in which we don't think the way we operate will change - we'll just be welcoming families from Afghanistan.
"Our goal from here is properties, properties, properties.
"We have a lot of volunteers who are willing and anxious to get going with families, but getting the properties, convincing landlords that this is, if you like a safe situation is the gateway for us.
"We've got a seventh property coming on stream we hope - and since the Afghanistan situation has arisen we're just waiting for families."
Jude's enthusiasm and knowledge, alongside the work of SWR, speak to something deeper and more essential than bitter social media arguments or political spats that dominate our conversations about refugees.
It drives home that at the heart of this issue are human beings who need help and support - and that there are communities all over Kent and the UK very willing to extend that to them.
Jude said that though the Syrian resettlement scheme was almost over there are still more than 6 million displaced refugees in countries around Syria, like Iraq, Turkey and Lebanon.
The six families in Sevenoaks were just a small part of a wider displacement of people from their homes, communities and families - many of whom lack a home to return to.
But for those six families, the work of SWR is absolutely vital - and a shining example of what a welcoming, open community can do. | 5,830 | 2,693 | 12,491.310806 |
warc | 202143 | Oireachtas Joint and Select Committees Tuesday, 20 July 2021 Joint Oireachtas Committee on Education and Skills General Scheme of the Higher Education Authority Bill 2021: Discussion (Resumed)
Today's meeting is with the officials from the Department of Further and Higher Education, Research, Innovation and Science; the Higher Education Authority, HEA; and Quality and Qualifications Ireland, QQI. On behalf of the committee, I welcome Ms Tanya Kenny, principal officer, Department of Further and Higher Education, Research, Innovation and Science; Mr. Tim Conlon, head of policy and strategic planning, HEA; and Dr. Bryan Maguire, director of quality assurance, QQI. The officials are here today for pre-legislative scrutiny of the general scheme of the Higher Education Authority Bill 2021. The format of the meeting is that I will ask Ms Kenny to make a brief opening statement, followed by Mr. Conlon and Dr. Maguire. The statements will be followed by questions from members of the committee. Each member has a six minute slot to ask questions and for a witness to respond. I would ask witnesses and members to be cognisant of the six-minute limit as I will curtail them after that. As the witnesses are probably aware, the committee will publish the opening statements on its website following the meeting.
Before we begin, I remind members of the long-standing parliamentary practice to the effect that they should not comment on, criticise or make charges against a person outside the Houses of the Oireachtas or an official either by name or in such a way as to make him or her identifiable. The witnesses are giving evidence remotely from a place outside of the parliamentary precincts and, as such, they may not benefit from the same level of immunity from legal proceedings as a witness physically present does. They have already been advised that they may think it appropriate to take legal advice on this matter. They are reminded of the long-standing parliamentary practice that they should not criticise or make charges against any person or entity by name or in such a way as to make him, her or it identifiable or otherwise engage in speech that might be regarded as damaging to the good name of the person or entity. Therefore, if their statements are potentially defamatory in relation to an identifiable person or entity, they will be directed to discontinue their remarks. It is imperative that they comply with any such direction.
I call on Ms Kenny to make her opening statement.
Ms Tanya Kenny:
I thank the Chair. The vision for the higher education system is that it provides high quality education, which is innovative and adaptive to the needs of the learner, advances equality, diversity and inclusion, strengthens engagement with the wider education system and wider society, creates knowledge and maximises the contribution of higher education to social, economic and cultural development.
The new legislation will provide a detailed and modernised framework to achieve this vision and safeguard the reputation of the Irish higher education system aligned with best international practice. There is no doubt that the HEA legislation needs to be reformed. The HEA's responsibilities have evolved from a small number of universities in 1971 to an expanded number of universities, new technological universities and institutes of technology. There is also a substantial number of not-for-profit and private institutions catering for students.
The overall aim of the proposed legislation is to provide a high quality, student-focused system with appropriate oversight and accountability to underpin the confidence of stakeholders, students and the public. The Irish higher education system is based on strong, autonomous institutions. We recognise the importance, the excellence and diversity of education and research which results. We have no desire to change this. However, institutions need to be accountable for Government funding.
The HEA is responsible for allocating a significant amount of recurrent funding to higher education institutions. The planned legislative approach is that of a co-regulation model. This model provides for a robust system of internal governance for institutions, balanced with a strengthened oversight role of the sector by the HEA. To secure strong internal governance, governing bodies should be of a size to allow for effective oversight. Membership should be predominantly competency-based with a strong external component to provide genuine accountability. These governing bodies will include staff and student representatives.
The legislation will also put in place effective consultation structures within institutions and the higher education system to maintain a strong voice for stakeholders. There are very strong legislative provisions for the academic freedom of institutions and for academic staff in the existing sectoral legislation. There will be no change to these existing legislative provisions.
The legislative approach will set out to achieve clarity of roles for the Minister for Further and Higher Education, Research, Innovation and Science, the Department of Further and Higher Education, Research, Innovation and Science, the HEA, SOLAS and Quality and Qualifications Ireland. The legislation will also include important provisions for engagement with students, equity of access and participation, lifelong learning and data collection and sharing.
A comprehensive consultation process has been undertaken with the sector since 2018, with ongoing engagement with key stakeholders. As part of this consultation, the HEA and QQI have worked with Department officials on developing the general scheme through the establishment of a working group. This was key to ensuring that the legislation reflected the appropriate interaction of these agencies with each other and with the Department.
The constructive, co-operative approach by key stakeholders has been very helpful and is much appreciated. Furthermore the close collaboration between all stakeholders, institutions, public bodies' staff and student representatives in responding to Covid-19 has been exemplary in seeking to ensure the continuity and quality of teaching and learning, and in the planning for a return to onsite education. The Department's objective is education. There will be continued engagement with stakeholders throughout the development of this legislation and we look forward to its successful implementation.
This is a priority for the Minister and, therefore, we will be seeking to bring the Bill before Government in the next term. We have followed closely the pre-legislative scrutiny process and look forward to considering the views of the committee as part of this drafting process.
Mr. Tim Conlon:
I thank the Chair. My colleagues and I are pleased to assist the committee in its consideration of the general scheme of the Higher Education Authority Bill today, further to the observations we have earlier provided in response to the request for submissions. We consider the revision of the 1971 Act necessary and timely given the rapid pace of development and change in higher education both nationally and internationally. Ireland’s higher education system has been responsive to national needs, providing education and training, building the skills base, assisting people in their lives and in conducting high quality research that attracts and retains people and investment in Ireland.
In order to prepare for the next five decades of social and economic progress, the HEA and higher education institutions need to be fit for purpose. They must be appropriately governed but sufficiently free to act responsively and innovatively where needed. This new legislation protects the academic freedom of institutions and, importantly, provides the HEA with the powers to collect relevant data, regulate and be the authority in the sector, holding institutions to account should issues arise. In doing so, we will be assisting institutions in the delivery of their missions. We believe the balance in the draft legislation is appropriate and workable. However, as noted in our letter to the committee of 14 June, the HEA has some suggestions that the committee may wish to consider in seeking to balance autonomy and accountability, through co-regulation, as set out in the draft legislation.
The HEA is the statutory funding authority for the Irish universities, technological universities, institutes of technology and a number of other colleges. In that regard, it provides annual funding in the region of €1.6 billion. This funding supports the provision of high quality higher education to almost 240,000 students. It supports other key aspects of the overall mission of higher education, including the advancement of research and engagement with industry and wider society. The HEA leads the strategic development of the Irish higher education and research system by encouraging best practice and engaging with institutions on setting and delivering on their individual strategies. The HEA also has responsibility for the effective accountability and oversight of governance in HEA-funded higher education institutions and is accountable to the Minister for Further and Higher Education, Research, Innovation and Science for the achievement of national outcomes for the higher education sector. The HEA takes this responsibility very seriously but is somewhat weakened by the processes and tools available under what is now dated legislation.
This new Act is expected to give the HEA appropriate regulatory legislative powers. The original Higher Education Authority Act is 50 years old this year and, while it has done the nation some service, it is no longer fit for purpose. This new legislation will provide greater clarity in respect of the extent and operation of the HEA’s responsibilities, those of the institutions and those of the Minister and Government. In order to deliver on these responsibilities, the HEA will need to be resourced and empowered appropriately, for example, through an ability to recruit and deploy staff as required within agreed ceilings or budgets, rather than on a consent per post basis, as is currently the case.
In exercising its oversight role, the HEA seeks to be respectful of institutional autonomy but requires institutions to act appropriately within an accountability framework. The role of the HEA is distinct from the responsibilities of the governing authority of each institution and from that of the Department.
This new HEA Bill should give the HEA revised and appropriate legislative powers to regulate an autonomous higher education and research system and to intervene where remedial action is necessary. Interventions might include where a situation or issue arises in terms of governance, financial management or other matters, allowing the HEA to hold the institution and its governing authority to account. Such structures in legislation allow the HEA to protect the academic and operational freedom of institutions, holding institutions to account should issues arise without micromanaging or interfering with their institutional autonomy.
This draft Bill will also provide the HEA with the opportunity to collect information and data on the performance of institutions and the higher education and research system in a timely manner. This information gathering will support system-level planning, evidence-based policy making, risk management, financial and other monitoring requirements and will provide key performance indicators of overall system health and performance.
While there are both challenges and opportunities in higher education and research, nationally and internationally, the clarity this new legislation will bring will empower the authority to lead and drive change. It will enable the HEA and higher education institutions to contribute to the next five decades of social and economic progress by being fit for purpose. It will see institutions appropriately governed but sufficiently free to act responsively and innovatively where needed. I thank members for their time and I am happy to answer any questions they may have.
Dr. Bryan Maguire:
I thank the committee for inviting QQI to assist the Oireachtas in shaping this legislation through written submission and, now, oral hearing. Some members may recall the work of the last Oireachtas in amending the QQI Act. That Bill was triggered in part when QQI learned the hard way, through being on the losing side of a judicial review, how vital it is that the functions of statutory bodies are made as current and explicit as possible by the Oireachtas. The fact that a body has previously undertaken certain activities, either on its own initiative or at the request of a Minister, or that many stakeholders, including public representatives, might reasonably expect certain actions to fall within the remit of a body, does not necessarily give those actions legal effect. As the higher education system has grown in size, complexity and importance to Irish society over the half century since the HEA was established, it is vital that the statutory basis of its functions be brought up to date.
When QQI was established in 2012 with responsibilities including the quality assurance of higher education, it was not long before some stakeholders, including the universities, began to question the relationship between this new body and the long-established HEA, and whether any overlap of their functions was giving rise to unnecessary regulatory and reporting burdens on the institutions. In response to this, QQI and the HEA put in place a voluntary memorandum of understanding. This set out our mutual understanding of our respective roles and responsibilities, how these were distinct and complementary and how we intended to co-operate in carrying them out. For example, we co-ordinate our schedules for visiting institutions and share various pieces of information. Our memorandum has been implemented and reviewed several times. Head 19 of this legislation proposes to put this agreement between the agencies on a statutory footing. We welcome the legal clarity this will bring. The Bill also sets out how QQI’s work in regulating access to private higher education will be relied upon by the HEA in defined areas.
The philosophy of co-regulation expressed in the scheme mirrors the approach taken to the quality assurance of higher education in Ireland and internationally. Quality assurance is, in the first instance, the responsibility of the institution. QQI’s approach to the exercise of its powers of monitoring, review, approval or authorisation reflects this co-regulation model. In this model, mechanisms of transparency and engagement between the regulator and the regulated address and resolve any problems that the institution’s internal processes have not been able to sort out. As a result, we have rarely had to invoke the more intrusive powers of intervention given to us in law. For example, the QQI Act enables us to issue directions to a higher education institution following unsatisfactory findings in the statutory review but in the ten years to date we have never had to issue any such direction.
The proposed Bill represents a necessary, proportionate, comprehensive and timely updating of the law regulating higher education in Ireland.
I thank Mr. Maguire, Mr. Conlon and Ms Kenny. Our first questioner is Senator Dolan but I ask her to forego because Deputy Jim O'Callaghan has to leave the meeting so, if it is okay with members, I will ask him to go first. He will be followed by Senator Dolan.
The Deputy is having issues regarding connection so I ask Senator Dolan to go. I offer my apologies to her.
I welcome and thank Mr. Conlon, Mr. Maguire and Ms Kenny. Their presentations and submissions were great.
It is wonderful to see this legislation is putting the student first and foremost and at the centre in everything we are doing here and to see the increase in student numbers alone and, as was mentioned, the number of institutes of technology, IOTs, our new technological universities and our existing universities. It is important to keep the reputation of our colleges in terms of their rankings. I am thinking here about world-wide rankings and QS rankings and things that are based an awful lot on research publications. It is about the masters and PhD students and those cohorts who are really developing the basis for excellence in our third level sector.
I will go through a few of the questions I have. On the HEA, Ms Kenny mentioned the budget as being €1.6 billion. I was curious about that. From what I understand, the majority of the budget, 80%, is core teaching and research, with another 20% contract, which I am guessing would probably be Science Foundation Ireland, SFI, and the Irish Research Council, IRC. SFI would have rolled out a type of capital infrastructure for universities that was based on access, in that it had an access model. What is the most recent spend on capital infrastructure? I am looking at labs and how we develop that sort of space within our universities. What are the plans in regard to the TUs? Does she have a general comment to make on that? That was a quick query.
Quality and Qualifications Ireland, QQI, is very welcome. We are big advocates here of the apprenticeship programme and how we promote it, especially in our further education and training, FET, sector. I do not know who developed the national framework of qualifications, NFQ, the lovely circle where everything fits in, but it is my go-to all the time. Is it the NFQ cycle? My apologies, but I do not know the name of it. Mr. Maguire mentioned an overlap with the Higher Education Authority, HEA. Can he talk to me about what that overlap is?
Mr. Conlon mentioned the HEA Act is five decades old and Ireland has changed an awful lot in 50 years. We are looking at the student numbers and at how to accommodate our new technological universities. The governance factor, which was mentioned, is very important. Mr. Conlon noted there is representation from staff and students on that and that it will be competency-based. What does he see as a metric once this Bill goes through? In, say, three or four years' time, what would be two or three things we could point to as achievements from this legislation? I hope that is not too broad a statement.
Mr. Tim Conlon:
I am tempted to say it happens all the time. We do work very closely together. I thank the Senator for her questions. We had approximately €84 million of capital funding allocated to approved projects in 2020. These include the higher education strategic research infrastructure fund but also a number of public private partnership projects which are emerging. The Senator made particular reference to the technological university advancement. In considering future investment and investment plans, we are looking at where the growth areas are in the system and where the expected demographic growth is to be but also at new institutions and resourcing those appropriately. In the emerging technological universities, they have a science and technology focus and a particular infrastructure requirement will be needed there to meet their mission but we can certainly come back to the Senator with further details on the investment and plans, if that would help.
Dr. Bryan Maguire:
I am glad to the hear the Senator is a fan of the NFQ fan. It is a signature of the coherence we have in our system across the further and higher education system. The apprenticeship is one example of that. It is also an example of where there is complementarity between what QQI and the HEA do. The HEA, initially through the co-operation with SOLAS in the Apprenticeship Council and in future through the national apprenticeship office when it is established under the apprenticeship action plan, co-operates on identifying which fields get funded and the direction of funding to the institutions. When it comes to setting out what the academic parameters are, that falls more to QQI. It has issued quality assurance guidelines on what we expect to see in programmes of apprenticeship. We have a review process that sees that they are being implemented either directly by QQI, in the case of private sector institutions, or indirectly through the reporting the institutions make to QQI of their activities in apprenticeship, for example. One can see there is some potential for double reporting but that is why we have worked so closely with Mr. Conlon and his colleagues to streamline this in order that they are not saying one thing to QQI one week and something else to the HEA the following week.
It is great to see so many courses being regulated, especially around the apprenticeship programme. It makes it much more attractive. I think the national hairdressing apprenticeship is the first regulated NFQ. We were trying to promote locally as well. Well done on working with the groups and SOLAS. I apologise to Ms Kenny. I should reverse the questions I posed to Mr. Conlon. If it is okay and if I have time, I will redirect them to Ms Kenny. If this Bill is implemented, in, say, three or four years' time, what would she say are two to three measures of success or achievement, or just basically measures we might be able to look to in order to say we have seen progress in terms of the change in the legislation? Is she able to point to two or three things?
Ms Tanya Kenny:
Yes. I mention the successful implementation of the performance framework. The Minister will set the performance framework. It puts on a legal footing the work of the HEA in having strategic dialogue to reach agreements and measures on what will be developed by the higher education institutions. Considerable work is ongoing but there is no legal basis for those elements. We are trying to put those elements on a legal footing. Having that performance framework, coupled with the strategic dialogue and agreed elements of that with the institutions to deliver on that, which will be in line with national priorities, is one clear aspect as is looking at strong internal governance of the HEI base. It is getting that balance. Everybody is talking about autonomy and accountability and that there is good, strong accountability for that funding the Senator mentioned and accountable elements around that for the institutions as they deliver on that and on more transparency.
It is especially good to see some former work colleagues but that may mean I might herd all the sacred cows into the centre of the room to ask some of the questions. One of the crucial issues will be the relationship between the Department, especially the new Department, and the Higher Education Authority and how that will operate. I will ask Ms Kenny and Mr. Conlon, in light of the legislation, to talk about where the boundaries will be. I will also ask them to talk about the relationships with the higher education institutions, especially if the HEA is to take on a more regulatory role. What level of sanction may be appropriate and when is it envisaged that would be applied?
I will put a question to Mr. Maguire.
QQI has been doing a lot of work around micro-credentials, and particularly because of the pace of technological change, we are going to see many more micro-credentials and short courses and many more providers other than the traditional providers. In the witnesses' experience, from where will they see all those being regulated?
Ms Tanya Kenny:
I will come in first with regard to the clarity of roles and the role of the Minister and the Department. The Minister's role is about setting the policy for the sector. The HEA is responsible then for implementing this policy. I will let Mr. Conlon expand more on that. Obviously, with implementing that policy comes the distribution of funding to the sector and the oversight of the sector.
In the legislation on the general scheme, it is proposed that the Minister can issue directions to the HEA on any matter related to the Act and the implementation of any policy or objective of the Minister or the Government.
I am sorry; could I interject? The crucial question is about direction by the Minister on any matter. It is really about the extent to which the HEA will be independent or whether it will be directed by the Minister.
Ms Tanya Kenny:
It will be implementing the policy. The Minister will be setting the policy and can issue guidelines around that. The HEA then can provide information and reports and advise the Minister to inform policy. The Minister then provides the funding to the HEA and will approve the HEA corporate plan and annual plan but that is aligned with the priorities of the Department. The Minister will also prepare the strategy for higher education and then the HEA will develop the funding framework for the allocation of that funding. The Minister will also approve the equity of access and participation plan. Those are the key elements. It is really about the strategy and policy with the HEA then implementing that policy. I will allow Mr. Conlon to come in and give the Senator the full picture if that is of assistance.
Mr. Tim Conlon:
I thank Senator Byrne for the question. I might jump back to the previous question for a moment in terms of what we would like to see different in five years' time. It is very interesting. We would like to see a HEA that is resourced and empowered. That is what is envisaged in this Act and in this legislation. Again, on that previous question, we are lucky; we have a diversity of institutions with differing strengths and differing scale across the system. We have to respond to and engage with them all in different ways. As I said, each of them has its strengths. They are within regions and understand the regions in which they operate. We would, therefore, like to see them responsive and regionally engaged by responding to national requirements while fulfilling local and regional missions at the same time.
That goes to Senator Byrne's question about the relationship. The amalgamation of the further and higher education research system under one Department has really improved the overall landscape. We are seeing a greater relationship with our parent Department in terms of improving the setting up of policy and strategic direction versus the operational balance that we have to see.
One of the challenges, perhaps, as I mentioned in our submission, is that when we spin up a new project or respond to an emerging situation, even where we have the financial resources, we do not have the ability to hire staff, for example, to see something through and make it happen. Again, some of that economy would be an improvement. It is difficult when one wants to respond rapidly that the chain of command and control can be a break on that. As I said, however, overall, the landscape has improved and changed.
In terms of the boundaries and nationally setting strategy, I absolutely agree with my colleague, Ms Kenny. It is for the Minister and Government to set policy and for the HEA to implement it. Setting that national policy agenda needs to be at a sufficiently high elevation so as not to be getting into the micro-managing of institutions. Setting a sufficiently high-level policy, which then allows institutions to respond within that and the HEA to oversee it, would be an ideal situation.
In terms of what the sanctions would be and where they would be applied, a number of options are set out for us in the legislation. Some of them are sanctions and some are remedial actions. In our experience of engaging with institutions, sometimes where one has a problem, at the back of the issue is a financial issue or a lack of resources to do something in the way an institution might like. A further sanction does not help them. Going back to some of the earlier comments, students are the most at-risk group. A financial sanction on an institution can hit the front line and hit students who, most importantly, are the ones we are trying to protect. I will not go on further than that. I hope that was helpful with the Senator's questions.
Dr. Bryan Maguire:
I will come in on response to the Senator's question on micro-credentials, which are obviously a key part of trying to respond to the emerging needs of industry and the skills market. The key to QQI support for these actually goes back to that same national framework for qualifications that was referred to in the earlier questions.
The framework has accommodated micro-credentials, albeit under a different name, since its inception. It would be a special purpose award. It is not, therefore, just degrees and major qualifications. It is, in fact, that we have a system that can allow the generation of micro-credentials. We know that the Irish Universities Association, for example, currently has the multi-campus micro-credentials project under the human capital initiative of €12.3 million to develop qualifications. It is working with QQI to ensure to find the best way to make these framework-friendly, as it were, in order that they will be widely recognised, portable and not just industry oriented, which is key, but that they will also build up the learners' portfolio and give them some lifelong achievements to take with them through their careers.
I thank the witnesses for the presentations. This is a really important session today. Will there be trade union representation on any governing authority, either the HEA or the Department? Perhaps the witnesses can answer that.
It is important to make that clear because I know that is causing concern. If we can take as many of those things off the table as we can then we are likely to end up with a better Bill.
One of the general functions of the Bill is to "secure and evidence value-for-money from Exchequer investment in higher education". Deciding on what is and what is not value for money is often difficult to discern. In the 1980s, for example, when we were spending scarce Exchequer resources on higher education only for many graduates to emigrate, it could have been argued that this did not represent value for money but it laid the groundwork for attracting inward investment.
Essentially, these can be quite complex and highly political decisions. While we all want full accountability, there is a huge difference between mismanagement of funds and deciding what is and what is not worthwhile investment. Are the witnesses comfortable that the Bill provides enough clarity on what constitutes value for money? Are they clear on who makes the judgment between the HEA and the Department on this? Perhaps I can get an answer to that before I ask my next question.
Mr. Tim Conlon:
I thank Deputy Conway-Walsh. That is a very interesting question. From a HEA perspective, it is something of that balance between the national policy agenda, and, as I mentioned before, what is important locally, regionally and nationally. We will particularly have that experience on the western seaboard, for example, where we have an emerging technological university looking at the broader region and how that region can be empowered and lifted to attract the kind of foreign direct investment, FDA, the Deputy has mentioned.
It is also about keeping people, rather than having them emigrate, and there is the question of whether there will be resources and opportunity within a region. Perhaps the best people to judge that are those who are in the region on the ground, and that is the institutions themselves. When setting out their strategy, they must demonstrate how they are responding to national priorities. They are most aware of what is the requirement locally and what is happening there, and so there is a balance in accountability and autonomy that will allow them to be free enough to respond to local needs. They will understand far better than somebody sitting in Dublin, for want of a better expression.
Mr. Tim Conlon:
I would not have thought that. I would have thought there is a significant opportunity. We have a diversity of small institutions in Irish higher education when it comes to being forward-looking or forward-thinking in order to be internationally competitive. We have seen online teaching throughout the Covid-19 pandemic, for example. Higher education is now being delivered in a multitude of ways and through different means. It will be a big challenge for a small campus or institution to remain internationally relevant and competitive in what will in itself be a challenging environment. Being part of a larger and more diverse institution, with many more resources available to it across multiple campuses would be an opportunity rather than a challenge.
It is, for sure, an opportunity, but at the same time I am concerned that after this there would not be representation from the Mayo campus to understand the unique position, the challenges and opportunities for the county.
Ms Tanya Kenny:
In the general scheme the guiding principles for the memberships of the governing bodies are captured but the final position has not been agreed. That is why there are just guiding principles for now. We will look at outcome of this process on that. There is no final agreement and it is just the guiding principles of membership. I know the Deputy mentioned this previously and we have noted the matter.
It is really important we have representation from the Mayo campus of the GMIT. In the opening statement, it was indicated that one of the reasons for the legislation is the increasing number of private colleges. What oversight and governance would the Department and the Higher Education Authority have over private colleges. Will they be able to apply quotas on places as they do with some of the public colleges, particularly for primary teachers, as we have seen. We are also seeing movement on private places for nurses.
Ms Tanya Kenny:
I will speak to the vision for the legislation, which is the designation of all higher education institutions, including those that are private institutions. It brings them under the legislative framework for that governance and oversight. The overall aim is to protect the integrity of the higher education system of the country and the student as well. It is bringing them into the fold for that oversight with respect to the various governance elements. It is different to what happens with colleges in receipt of Exchequer funding but there are elements around the plans required and oversight. Dr. Maguire can speak to elements of that.
Dr. Bryan Maguire:
We are lucky in Ireland that our private higher education system is already subject to academic quality assurance through the awarding function of QQI awards, the Higher Education and Training Awards Council and the National Council for Educational Awards before that. We have quite a robust floor on our academic standards across the board. That is the key role of QQI and this was strengthened in the legislation I referred to that was passed last year, whereby the learner protection fund, for example, is available where providers go out of business. On the other hand, these are private institutions that are not in receipt of public funds, except in certain limited cases such as some human capital initiatives, such as Springboard and the like. The flexibility of these providers to offer extra places has been very helpful in terms of the responsiveness of the system to short-term needs in particular courses of study.
On the question of general quotas and so on, that would also be available as a tool for the Higher Education Authority in setting the strategic direction of the system. If the institutions are funded by the HEA, it will get to say what will be funded; if, on the other hand, they remain privately funded, they will offer programmes in demand by students as they will be paying fees directly.
This is a very interesting scenario and I have been tracking nursing places and the need, because of the pandemic, for additional medicine and nursing places across the board. I have seen places in private colleges and they are charging way more. Why are we not investing in public places rather than allowing them to be privatised and to charge multiples of what it would be if a student was to access places publicly? We have always been told there are challenges around the numbers of nursing places, for example, because they could not get placements in hospitals in Mayo or elsewhere. These private colleges must have a place for such placements as well. Why are we going down that route rather than publicly funding these colleges? Are we not concerned about accessibility and that only people with money will end up even being able to train as nurses, never mind as it is currently with medicine and its associated costs?
Dr. Bryan Maguire:
As I have said, QQI's concern is with the academic standards of these programmes. In the case of private nursing programmes, the placements are also secured in private sector hospitals. There is a question about the structures of public and private sector institutions on the health side as well as on the education side. The question about determining the number of places in the public sector nursing provision, whether educationally or with respect to hospital placements, is subject to the constraints mentioned by the Deputy. There are a number of placements available in the public sector hospitals and HSE clinics etc.
Does Mr. Conlon wish to speak to that? Is there anything in the Bill that would stop this from happening and where we could have a public system rather than privatising places? I get what the witnesses have said around the governance but when something is privatised, these institutions can charge whatever they like.
I disagree with that but we could have a conversation about that on another day. It is the wrong way to go. How will drastically reducing the size of governing bodies increase competence and effectiveness in the operation of the boards? It is my understanding that the workload on board members is currently substantial. How will having the same workload and more spread across fewer people increase competence and effectiveness if there is already an overload?
Ms Tanya Kenny:
The general scheme sets out the principles of the composition. It has not definitively come down on a specific number. The latest legislation about technological universities involves a smaller governing bodies. Some governing bodies at present can have up to 40 members. The feedback from consultation with institutions is that they are not as effective with large numbers. It is aligned with the National Strategy for Higher Education to 2030, which recommended more streamlined governing bodies with the competencies. They will be coupled with other stakeholder structures. There will be sub-committees where the voices of higher education institutions can be represented. There will be provisions for consultation in institutions' development of strategy. It is complemented by other structures that allow key stakeholder voices to come through to the more streamlined governing body, which will be based on competency, and will have staff and student representation.
I welcome the staff and student representation. This Bill sets out to replace one of the five general functions of the HEA which are set out in the Higher Education Authority Act 1971, which is promoting the democratisation of the structure of higher education. Why is this role not included in the 16 general functions in the Bill? Would it be fair to say that the new legislation will make institutions of higher education less representative and democratic in their governance?
Ms Tanya Kenny:
An objective of the general scheme is to advance equality, diversity and inclusion for higher education. One of the general functions of the scheme is to support equality, diversity and inclusion in higher education, including participation in successive under-represented sections of society. There is also provision for the HEA to prepare an equity of access and participation plan for approval by the Minister. The plan will be published and the designated institutions will be required to have regard to that plan when preparing their own strategic development plan and equality statement.
I thank the witnesses for their presentations. It is a day when few people would prefer to be in a committee room to being somewhere else. It is a testament to the amount of stakeholder consultation that has happened in preparation for this general scheme that nearly all of the feedback provided to this committee at the pre-legislative scrutiny stage has been positive. A few recurring themes have been raised by a number of stakeholders as well as members of the committee. The three that jump out to me include the relationship between the HEA and the Minister, which Senator Malcolm Byrne has already spoken about, so I do not intend to go back to that. The issue of competence versus representation governance structure needs to be returned to. Autonomy of the universities, their research direction and whether we are doing enough to promote primary research as well as applied research is another. It is easier to find funding for applied research but primary research has significant value in and of itself.
I will return to the competency versus representation issue. Many people are worried about that. Deputy Conway-Walsh adverted to Mayo and the GMIT structure. It is a function of this new technological university structure where there will be multiple campuses. I am based in Waterford in the south east. There are similar concerns about the representation that will be provided for in Waterford, Carlow and Wexford. There is possibly some way to go to address those concerns. It probably should not be the case that we feel like each campus needs representation and that it should not be geographically-based but people have significant concerns that this is an issue.
Regarding an adequate voice for the various needs of people within that governance structure, Ms Kenny adverted to the staff representative bodies, which is proxy language for trade unions. I am delighted to see a student voice in there although I think we need to put flesh on the bones of the student forum and how that will work. I imagine that there will be adequate representation from academic voices but I wonder about non-academic people working within the institutions and whether staff representative bodies adequately capture the needs of people who may not be academic or research staff but are working within these institutions. Will Ms Kenny comment on that?
I referred to putting flesh on the bones of various provisions. I know this is only a general scheme. We talk about provisions for engagement with students, equity of access to participation, lifelong learning, data collection and sharing, but I would like to see more detail about how exactly those are going to work. They are fine ideas to have in a general scheme but how will they translate into the actual structure? I want to allow an opportunity for Ms Kenny to respond to the HEA suggestion that section 31 could benefit from a provision for the HEA to recruit, where it may be required, within agreed ceilings or budgets, rather than on a consent per individual post basis.
I have a specific question and I am sorry if I am scatter-gunning with questions. Under heads 29(2) and 30(8), the general scheme constrains the role of the CEO of the new HEA from giving an opinion before either the Committee of Public Accounts or the wider committee structure. Is that normal practice for CEOs in the public sector or is it specific to this role? If it is specific to this role, why was it deemed necessary?
I think the preponderance of those questions are for Ms Kenny rather than Dr. Maguire or Mr. Conlon. I apologise for that.
Ms Tanya Kenny:
There was a multitude of questions so I will address the student aspect first and the recognition and consultation. The Deputy is correct. With the extensive consultation, the general scheme takes account of the student engagement and feedback. The Deputy will see the heads that are trying to account for that. That follows engagement at an institutional and national level and a survey. The Deputy is correct that the heads need further development. The intent of the legislation is to address the aspects raised by the students in the consultation phase to ensure that we capture those three strands.
The governing body structure is to be smaller and competency-based. Regarding the representational element, staff and student representation is implicit. The selection process would be the same and be done through their representative bodies. That would be augmented by requirements for appropriate training for the competencies required for the governing body. That would address the competency and representational aspects.
I do not have an opinion on the HEA suggestion. It is my understanding that it is normal practice. We can seek further information if the Deputy wishes. There is ongoing engagement with the HEA about that so we can liaise further. The Deputy might remind me if there was another question.
I asked about the provision that the CEO cannot express an opinion before either the Committee of Public Accounts or the wider committee structures. Does that apply to CEOs in this public service model in general or is it specific to this role?
I will ask an additional question if the Cathaoirleach will allow me the latitude. I would like to give the witnesses an opportunity to expand on the matter of the performance framework. The performance framework would be determined by the parameters by which success is defined. If our parameters are based around academic excellence, the adaptation of needs to industry standards, or inclusion and promoting access, those indicators will give us different outcomes. I ask the three witnesses to expand a little on what they see as appropriate performance indicators to include in that framework.
Mr. Tim Conlon:
That is a very interesting question and it is something at which we have been looking in the HEA. It goes back to my earlier point about the level at which we set that framework or engagement. The Deputy will be aware of the work of higher education institutions around sustainable development goals or just transition. Different institutions are responding to that in different ways depending on their region. Some of them have an international outlook in their engagement with just transition whereas some of them are far more local. In the midlands, for example, we are seeing that change in the industry base as part of an economic and social response. We need to set those system-level indicators at a sufficiently high level in order that we can talk about the overall contribution of the higher education and research sector and allow each institution to play to its strengths. We have some institutions that are very high performing and internationally relevant as regards research and then we have other institutions that are performing equally well in getting people from non-traditional entry backgrounds into and through higher education and out the far end into better lives, which is just as relevant a contribution in a national context as the research contribution is in an international context. It is about respecting that diversity of institutions, the diversity of missions and that balance, and seeing that each institution can make a contribution. I would ask that the framework be sufficiently high level, rather than granular, to allow every institution to play to its strengths, to demonstrate how they are playing to their strengths and to demonstrate the contribution they are making at national level.
Dr. Bryan Maguire:
As Mr. Conlon said, the institutions have various performance targets that are individually crafted to match their local missions and ambitions but it is not just a question of meeting quantitative targets. It is not just about the width but the quality as well. The performance framework includes cross-references to quality assurance and review activities in which QQI would have taken part. To give a concrete example, last year there were a lot of questions about institutions shifting to online in the Covid pandemic. That was not envisaged as part of the performance framework and yet it had to be done. QQI co-ordinated a response with a number of other agencies, including the HEA, to gather as much evidence as we could to see what kind of response there had been in the circumstances, whether the students had been well served, if we could have confidence in the graduates who graduated last year and so on. That is an indication of the complementary methods of the two agencies but we need to know what we are trying to achieve in the first place and that is what the framework sets out.
It is like the old adage that people care about what they measure and measure what they care about. Academic excellence is obviously extremely important but WIT, for example, which is the closest institution to me, is extremely and rightfully proud of the fact that many of its entrants are the first people in their families to go on to third level. That is an important outcome as well. I allowed myself a wry smile earlier when Senator Dolan was talking about national hairdressing standards under the QQI. The pandemic haircuts I administered to my children would have attained no qualification under the sun but what happened in lockdown stays in lockdown.
I am surprised that the Deputy's wife, being a good Wexford woman, would allow him to cut their children's hair. I have a few questions myself and then I will allow other members back in before we conclude. As the witnesses know, the Irish Research Council, IRC, is the agency that funds basic discovery research across all disciplines. When it was established in 2012 the intention was that it would have a statutory footing. In this legislation, will the IRC be established as a statutory body with a council and a chair that the Minister will appoint?
Ms Tanya Kenny:
The establishment of the new Department enables a greater focus on, and a more integrated approach to, research in the tertiary education system and its incorporation into the overall research system. It is intended that the overall research function of the Higher Education Authority will be included in the legislation. However, further consideration is being given to the issue of the appropriate statutory provisions for research funding as a result of the integration of research, innovation and science. The Irish Research Council, as the Chairman mentioned, operates under the aegis of the HEA and further consideration will be given in the course of the drafting of the Bill to the legislative and organisational elements and arrangements for research. There will be further consideration.
In previous meetings, such as the one on 6 July, the committee heard that academic councils are the parliaments of universities. Does the general scheme include provisions to ensure the important voices are heard on academic councils, that they are not lost due to the councils' size limits and that they are given opportunities?
Dr. Bryan Maguire:
The primary legislation for the universities, technological universities and, since the Qualifications and Quality Assurance (Education and Training) (Amendment) Act 2019, the institutes of technology, guarantees the independence of academic councils or boards from the overall governing boards, so there is a clear distinction between the overall corporate accountability for the institution as a whole and the performance of its academic functions. The academic standards are not compromised by the need to graduate a certain number of students to meet a funding target or things like that. The academic council is at one side and is independent in the performance of its functions and is accountable through the external quality assurance mechanisms QQI has, whereas the main board or governing authority is accountable to the HEA, as the legislation sets out. That is the basic division of labour that goes on. That is not reflected afresh in this legislation but the legislation does not intrude on the provisions for academic autonomy that already exist in the primary legislation.
Several witnesses at previous meetings raised concerns about the proposed composition and size of the governing authorities. How does the general scheme address the make-up of the governing authorities to ensure they are as representative as possible? There was a good spread of representation on the previous boards, while still being small enough to remain effective.
Ms Tanya Kenny:
The principles are captured in the Bill and there is internal and external representation. The external representation is open to people to apply for that and the selection process is agreed and approved by the Minister.
The aim is that the governing body would have the competency and composition required to allow it to undertake its duties. There are also the guiding principles that are in place in the context of the external chair, the internal membership, the external membership and student and staff representation.
Senator Dolan stated that students are at the heart of all higher education and there is no doubt an increasing number of students now wish to go to third level education. Do the officials believe the general scheme includes enough protection in respect of students' rights? If not, what further protections would they like to see included? I am aware that this has been addressed but I would like to flesh it out a little more because students must be at the centre here. It is their future and their education. Maybe we should be doing more to encourage people to go to third level education. It is not just for the members of one class in society, it is for absolutely everybody. I really feel it is now coming back to where it was perhaps 20 years when only people who were able to afford it got the chance to go to third level. We must remain cognisant of that. I raised this matter at previous meetings and we will be bringing some of the third level colleges and universities back in to discuss this specific issue. This should be affordable for all and available to all. The officials might give me a run-down on that.
Mr. Tim Conlon:
I might start. I thank the Cathaoirleach for a good question. It reminds me of Deputy Conway-Walsh's point earlier about the reference to democratisation in the earlier legislation that is not present now. The intention of that democratisation of higher education was access for all. Higher education was a very different place 50 years ago and was far more limited with respect to the opportunities for access, transfer and progression through it. That democratisation has almost been changed now by a very specific access, transfer and progression agenda around target core groups, for example, and opening up higher education to everyone. That is very important because we can see from the data the HEA collects and the reports we have published that to get into and through higher education vastly changes life outcomes, such as the likelihood of being in employment, remaining in employment through economic cycles and so on. Of course, employment, income and so on also have health impacts on individuals. There is an important part of democratisation and equality there in that not getting access to higher education locks a person out of so much else in life. It is very important, therefore, that provision and opportunity is spread as widely as possible. I thank the Cathaoirleach. It is a very good point. I do not think there is anything in this legislation that undermines that or reduces that, rather it strengthens it as calls out in particular the access agenda. It also calls out the equality, diversity and inclusion agenda. That could be gender equality but also equality of inclusion. The legislation is sufficiently robust in that regard.
Ms Tanya Kenny:
I can come in on that to build on what was said on student engagement. From the onset of the general scheme, the objects very clearly put the student at centre there as a primary consideration. The student and learner being at the centre of the legislation came through in the very first consultation process in 2018 and therefore we have added these student engagement provisions. The students are also included as members of the governing bodies, the HEA and QQI as well, so there is representation there to ensure the voice of the student is coming through and heard. It is informing policy. We also heard from the students about the importance of training at institutional level for going on and representing students on governing authorities. These are all captured and reflected in the legislation as well. As Mr. Conlon mentioned, the legislation is strengthened around access, participation, equality and diversity.
I thank the officials. I know this is beyond the remit of what we are here for today but it does concern me on occasion. One will often see in the national newspapers that they have gone through every school in the country and shown where students placed after they did their leaving certificate and what colleges they went to. Some schools have a very low rate of take-up in the context of students going on to third level education. It is really concerning that people might think that if a person is going to a particular school then he or she must not be going to third level. Some of these schools are absolutely excellent education providers. Maybe it is the cases there are people who do not want to go on to third level, but it is something the Government must remain cognisant of. It is one of the reasons we will be doing some form of module before the end of the year on accessibility and accessibility for all because it is really important.
Just to finish up on my questions, the importance of primary research and the role of researchers were also highlighted by witnesses at previous meetings. Does the general scheme include provisions to promote research in the HEIs?
Mr. Tim Conlon:
It does to some extent but, as Ms Kenny said in respect of other aspects of the legislation, there is a bit of working out to do. We have a new Department coming together which has a remit across higher education, research, innovation and science, which is a real opportunity. There is work ongoing on the national research and innovation strategy. The shape of that strategy, when it emerges in the later parts of this year, will probably have an influence on national science policy. There is sufficient opportunity to look at that balance. As a number of members, including the Cathaoirleach, stated, there is a piece around balancing that basic research with the applied sort because one never knows what the next challenge is going to arise. Nobody saw the pandemic coming or that there would be a need for epidemiologists, for example, to manage the response. Luckily enough, we happened to have a couple on hand. It is about that balance in the system. There is the economic endeavour and applied research in terms of meeting an industrial needs and obviously an economic need but there is also that part about knowledge for knowledge's sake, that is to say, there are certain disciplines we need research in to progress the discipline and to progress thinking about aspects other than just the economic or social. The balance piece will be important to watch and it will be interesting to see what comes through in the national research and innovation strategy later on this year.
Okay. I am going to go beyond the remit of what we are doing today. I know the clerk will hand me a note saying I have done so, but I am going to do so anyway. We are doing a module on leaving certificate reform in September. I will not ask Ms Kenny for her opinion because she is working with the Department but I will ask Mr. Conlon and Dr. Maguire. On leaving certificate reform, students currently sit their exams in June. Continued assessment is the way to go. It gives people a better opportunity to get into colleges and everything like that. A final exam often scares students away. They do not get the full bang for their buck that they would tet if there were continuous assessment. What advice on reform of the leaving certificate would Mr. Conlon and Dr. Maguire give the committee?
Mr. Tim Conlon:
I will be brief. Dr. Maguire will give the Cathaoirleach chapter and verse because he is far more expert in academic assessment than I am. I will address what we see coming through. This goes to the Cathaoirleach's earlier point as well about students who are leaving second level and going on to higher education. One of the challenges we perhaps have - and again, this legislation addresses it efficiently - is we are not strong enough on lifelong learning. It might be that an individual of school-leaving age does not think about higher education as an option at that point in time but may want to go back later in life. Our system is not as strong as it could be with respect to lifelong learning opportunities or returning to education later and the international evidence shows this. That is improving, and we are seeing changes as a result, for example, of the experience of the emergency online provision during the Covid pandemic that there will be new and different ways. However, to date one of the challenges of the system has been how do we take a more flexible approach to students at a later stage in life who might want to come into higher education.
On students coming into higher education without the appropriate academic capital, for want of a better expression, institutions do a lot, such as remedial maths programmes for example, to support students who might not have the required maths.
The required maths is an underpinning part of so many programmes such as ICT. Institutions can do a lot but the revision of the second cycle has been very successful. Important work is happening there and it is important for higher education institutions education to that accordingly. There are two sides to it and we need to make sure that we work together appropriately. That is my observation on it.
Dr. Bryan Maguire:
I will return to the framework, where the emphasis on the learning outcomes is what the students have learned and not how they have demonstrated that learning at any given point in time. It is certainly not about how they have learned it at three weeks in June of the year they happen to sit the leaving certificate. The pandemic has disclosed that there is more than one way to assess what students have learned and I hope we will be learning lessons from this and that the National Council for Curriculum and Assessment will learn lessons. Obviously, it is their prerogative to advise the Minister on that.
From the perspective of general qualifications the point we need to know is whether a student has achieved enough to have a sound basis to be able to go on to the next step. Whether that stage is into further education, into higher education, directly into the workplace or an apprenticeship, or another on-campus course, it is important that we have a variety of opportunities. One of things the HEA is doing, and which this Bill will facilitate further, is a lot of research on where students are coming from. This goes back to the Chairman's question about which schools and which areas, including the geographical and electoral districts, the students are coming from, and what this does for the students' progress right through the journey of further education, into higher education and onwards into employment, through linking up with the data collected by the CSO. We are just bringing big data to bear on this question of progression so we can get well beyond the headlines we have had in the past. This will help to give the schools, colleges and universities the information they need to help put students in the position where they can get the courses they can profit from, and to give them the support they need if they have gaps in their background.
Mr. Tim Conlon:
I will add one additional observation. The HEA's ability to collect and monitor those data is very well provided for in this draft legislation. The power to collect data and to use it to inform evidence-based policy-making is very important. We do not have sufficient resources for that at the moment. This proposed legislation gives us some additional powers for collecting, analysing and using data to inform that evidence-based policy-making.
On leaving certificate reform, the data captured by the HEA would include the drop-out rate at first year. We are aware there is a large number dropping out at third level. Perhaps it is young people who are not exactly sure about the courses they are taking, and it is about them having the basis to go forward. This data would really inform how we look at further education and training, and at building up the apprenticeship and in-learn sector.
Reference was made to research. I believe that the societal impact of the research we are funding is extremely important. This has come across through the research prioritisation in the past years. Our researchers are doing an excellent job in describing the impact to society of the research they conduct, and even in the way they put together the research now. In the last decade or so there has been a real focus on how one looks at the voice of the user in putting together a research plan. Researchers have really looked at the fact that we are no longer in ivory towers or hidden behind university walls where our research has no impact. Our researchers are first and foremost out there in designing the research to have impact from the very get go. It is crucial and it shows where funding has impact.
I have one or two questions for Mr. Conlon on the HEA. I apologise for earlier as my laptop overheated and literally shut down. Perhaps I could get some research innovation on how to keep these cool. I may put in for the AI, robotics and engineering section.
Mr. Conlon referred to having more resources and widening the remit of the data being gathered. How will the current skill set in the HEA be broadened in that regard? We would love to see the HEA also taking on apprentices. We are looking at public sector organisations being able to take on apprentices and train people up. Will Mr. Conlon note the amount of resources in the HEA for this or can he share that information at the moment?
My other question is for Ms Kenny on the performance framework and the resources we have in our universities. We are aware that universities are always trying to encourage research but it is difficult with such a heavy teaching load, the high student numbers in courses and the course work involved. We are all ways trying to encourage our lecturers to take on more research. In this performance framework is there anything that would point towards how we would support higher education institutions to encourage the lecturers and professors in doing more research and in building those research teams? The technological universities have done a mammoth amount of work for the applications they submitted in order to increase the amount of research performing staff at PhD level and that they are also looking at taking on more research. Ms Kenny may not be able to go into that again but does she have any thoughts on that?
Mr. Tim Conlon:
The HEA is in constant conversation with our parent Department about resources. Perhaps we can provide the committee with some information about the background to that. On the general point, yes we are reasonably sufficiently resourced but as we expand into new areas of endeavour there is a requirement for increasing specialisation and specialist resources, for example with data analytics. We have a very capable statistics section. Building that out and increasing resources is one of the challenges. We will come back to the Senator separately on that off-line.
The Senator asked about the technological universities and the expanding research performance. We are seeing a rapid increase in the outputs and the staff profile of the former institutes of technology, now the technological universities. There are more people with PhDs, for example, and by virtue of having more staff with PhDs they want to use that PhD because otherwise why would they have one. This is in the context of supervising students and progressing their disciplines, engaging with enterprise in their regions and so on. The supporting infrastructure for that has been a bit slow to catch up. We have been lucky that we have an allocation from the Government and from the Department in the technological university transformation fund, which is starting to put in place some of those scaffolding and resources around and about this research endeavour. They are challenged, as we all are, to build that in and to put it in place. As the Senator has said, there is vast detail in the applications about the strategies for research, what they want to do at what their ambition is. They need to be supported to achieve this ambition.
Ms Tanya Kenny:
On the question of research, the general scheme of the Bill is intrinsically bringing research into that and the HEA's powers for instance in relation to governance and oversight apply to research activity also. It is putting parity of treatment on educational provision and research activity.
On the performance frameworks and performance agreements, the flexibility is there for the institutions that can prioritise research.
I am presuming that work done on research will be of equal value and taken into account when it comes to career profile and structure and the lecturer's advancement within universities, along with a number of publications and so on, and that we are looking at this as being of value in order to progress. This would be crucial.
This is a very useful session. I want to frame this in a way that we want this legislation to do what it needs to do. We welcome it but we need to work together and we need collaboration and inclusiveness to address what we need to address. We need joined up thinking. Mr. Conlon referred to access. Basically, we all want equality of access. Consider situations such as the student nurses.
We need to have this joined up. We cannot have this legislation and then to be parked over here doing this, as it were. Last year, more than 5,000 students put nursing or midwifery as a first preference on CAO applications. We then see the numbers have been capped, and have been since 2017, at 819 places. We now have the new private course starting on 20 July at a cost of €7,995 annually. The joint committee can see the point I am making about a whole cohort where the candidates chosen are the ones who can afford it. We should not be in that situation where we are capping and not funding the places within the colleges themselves. I ask that that be looked at in the round in terms of quotas and the privatisation that is creeping in there.
I also ask Ms Kenny about the timeline in how she sees this issue as I am very mindful we will have the Cassells report which was certainly to be back from Europe by March. We are now in July and we are being told that it will be autumn now. I am aware the report is back in the Department now but it is important we do not ignore the chronic underfunding when it comes to underpinning what we are trying to achieve here across the board.
I ask Ms Kenny to deal with the timeline issue, the issue of public versus private courses, and the capping of equality of access to places, please. I thank the Chairman for allowing me to contribute again.
Ms Tanya Kenny:
On the question of funding, the Deputy is correct in that the report and final deliverable is back and the Department has commenced its examination of it by way of analysis, findings, conclusions and recommendations. It is being examined with a view to developing proposals for Government to seek to meet the commitment contained in its statement of strategy. Once that is concluded, the report will be submitted to the Government for consideration.
Ms Tanya Kenny:
The Minister sets the policy on funding and the Higher Education Authority then distributes the funding. The legislation will not provide for quotas but will aim to work with institutions. I believe that addresses most of the Deputy’s questions on that issue. We have mentioned the access plan and there is a lot of strengthening for that in the scheme.
On the Deputy’s point about working together to get fit-for-purpose legislation, that is very much at the forefront of our minds, hence the emphasis on consultation and engagement to date, to assure the Deputy of that fitness for purpose.
Ms Tanya Kenny:
The timeline for that is that it is hoped to have enactment by the end of the year. Once we have the outcome of the pre-legislative scrutiny process, we can feed that into the drafting process and we are hoping to have the legislation enacted by the end of the year. That is the ambition level.
I thank the Deputy. I do not believe any other members wish to make any further contributions. That concludes our meeting. I thank Ms Kenny, Mr. Conlon and Dr. Maguire. I should have said at the outset that Dr. Maguire is a good Wexford man. I thank all the witnesses who have attended today’s meeting and for briefing us all so comprehensively, which has been of enormous assistance to the committee in our examination of this issue. In respect of the replies of both Mr. Conlon and Dr. Maguire to the question of leaving certificate reform, we might take the witnesses up on the offer, which incidentally they did not make, but we may ask our witnesses to come before the committee again to give their views on that issue. This an issue which all members of the committee, together with the public, have a great interest in, specifically as a result of what happened to the leaving certificate due to Covid-19. I have some very strong personal views on this issue, as I know others do.
I thank all who have participated in the meeting, including our members. The committee is adjourned until 12.30 p.m. on Thursday, 22 July when we will meet again in public session. | 74,739 | 26,094 | 213,418.884341 |
warc | 202143 | A neck lift, also known as platysmaplasty, creates a more defined jawline and a slimmer, smoother-looking neck. This surgical procedure lifts and smoothes sagging skin, removes excess fat, and tightens the platysma muscle, eliminating issues like a double chin, horizontal banding, wrinkling, and “turkey neck” to give your entire neck and jawline a more youthful appearance.
Is a neck lift right for you?
Fortunately, the neck lift is designed to help improve those very conditions and reduce the signs of aging by eliminating excess fat and tightening the tissue and muscles in key areas of your neck.
The most frequent profile of patients (both male and female) who come to the Larrabee Center for a neck lift is as follows:
Age: 40s to 60s Jowls have become prominent Sagging skin around the neck
You may also want to consider additional facial procedures that treat loose tissue and skin laxity in other regions of the face.
Patient Testimonials
"My experience at the Larrabee Center was positive from my first visit. I am so pleased to have found a Doctor with Dr. Larrabee’s skill, expertise, and caring.
I am very pleased with the results of my surgery, which was a very difficult nose reconstruction! On all of my follow up visits, I was shown compassion and caring from Dr. Larrabee, Dr Patel, and the entire staff. I highly recommend the Larrabee Center. They are truly trustworthy and professional. I only wish I had found them several years ago!!" - Sharon O.
Read More Patient Testimonials here
Restore a Youthful Contour to Your Neck Line
Neck lift surgery sculpts your neck by removing the folds of fat that develop in the jowls, and tightening the underlying neck muscles that have begun to lose resiliency. In this way, your neck’s contours are revitalized, giving you clean lines and a youthful-looking appearance.
The truth of the matter is that a neck lift only treats signs of aging around the neck and jaw. As such, performing it at the same time as a facelift or eyelid surgery can be key to sending you home with rejuvenated results that are more balanced than you’d get from a single procedure. During your private consultation, Dr. Larrabee will talk with you about supplementing your neck lift with facial procedures that can be performed in close succession or, if desired, in separate sessions.
While the vast majority of neck lift patients don’t experience any significant discomfort after surgery, medication can be prescribed to help manage pain, if necessary. Within just a couple of days following surgery, you’ll be able to move around, but it will be of paramount importance that you limit yourself to light activity for the first couple of weeks. | 2,736 | 1,374 | 5,344.558952 |
warc | 202143 | Australian Regulations Will Label Drugs Tested on Human Embryos
by Steven Ertelt LifeNews.com Editor September 22, 2003 Canberra, Australia (LifeNews.com) — New regulations adopted by the Australian government will require labeling any drugs when human embryos, human embryonic stem cells, or materials derived from them are used in the manufacture or testing.
Australian Senator Brian Harradine, the longest serving member of the Australian Senate and a leading pro-life advocate, believes the regulations are a world first.
In a statement provided to LifeNews.com, Harradine called the new regulations "a significant step forward for consumers’ right to know.’"
Harradine tried to include the regulations last year as an amendment to the Research Involving Human Embryos Act, Australia’s law allowing the destruction of human embryos in scientific research.
"The passage of the Research Involving Human Embryos Act late last year allowed a wide variety of research using human embryos. One of the principal uses of human embryos and human embryonic stem cells is expected to be the testing and manufacture of drugs," Harradine explains.
This year, Harradine tried to attach the pro-life labeling amendment to a drug-related bill. He then spent the next four months negotiating with the Australian government.
"I was very concerned that consumers with an ethical objection to the destruction of human embryos would be forced to be morally complicit in the use of these drugs, simply because information was hidden from them," Harradine says.
The Australian government has agreed to require pharmaceutical companies to provide clear information in both materials to doctors and consumers for all registered drugs in Australia. The information must be available by July 1, 2004.
"These regulations are a small consolation for the tragic passage last year of legislation which allows the destruction of human embryos for research," Harradine concluded. | 1,989 | 928 | 4,179.471983 |
warc | 202143 | FDA Will Decide on OTC Sales of Morning After Pill by September by Steven Ertelt LifeNews.com Editor July 18, 2005 Washington, DC (LifeNews.com) — The Food and Drug Administration has decided it will make a decision in September whether the sometimes abortion-causing morning after pill should be allowed to be sold to women over the age of sixteen without a doctor’s visit. The agency rejected a previous request to sell the drug over the counter to all women, teenage or otherwise.
Michael Leavitt, secretary for the Department of Health and Human Services, sent a letter to members of the U.S. Senate last week informing them of the timeframe. The letter stems from a decision by leading abortion advocates to hold up the nomination of Lester Crawford as the FDA’s commissioner because of the agency’s delay in approving sales of the drug.
Democrats Patty Murray of Washington and Hillary Rodham Clinton of New York applauded the deadline for a decision.
"After more than two years of waiting, American consumers and American women will finally get an answer," the two abortion advocates said.
"We have been clear all along that our hold on this nomination is about one thing only: the FDA’s failure to provide an answer on Plan B,” the senators added.
An FDA advisory committee voted 24-3 in December 2003 to allow sales of the Plan B drug over the counter, but FDA officials went against the recommendation because Barr Laboratories, maker of the drug, failed to provide sufficient information about its affect on teenagers.
Barr submitted a revised application for OTC sales, seeking to limit sales of the morning after pills to women over 16 years of age.
Pro-life groups oppose the drug because it can sometimes cause an abortion of a newly conceived unborn child by preventing its implantation into the mother’s uterus. They also worry the drug causes teens and young adults to engage in risky sex because it offers no protection against sexually transmitted diseases.
A recent study, conducted by researchers at the University of California at San Francisco, that found increased access to the "morning after" pill did not lower pregnancy rates because many women did not use the pills.
Wendy Wright, of Concerned Women for America, said the study showed "easy access to the drug increases sexually transmitted disease (STD) rates," a situation she called "alarming."
"Furthermore, studies show that the abortion rate is unaffected, and in some cases has increased," she explained.
"Proponents have repeatedly claimed that making the drug available without a prescription would reduce abortion numbers by as many as half; now their own study debunks that claim," Cathy Cleaver Ruse, speaking for the nation’s Catholic bishops, added. | 2,809 | 1,432 | 5,380.647346 |
warc | 202143 | by Samantha Singson December 3, 2006 LifeNews.com Note: Samantha Singson writes for the Catholic Family & Human Rights Institute, a pro-life organization that lobbies at the United Nations. This article originally appeared in their Friday Fax publication.
The United Nations Population Fund (UNPFA) sponsored a gathering of 180 parliamentarians in Bangkok last week in an effort to get the lawmakers to pledge to promote “reproductive rights.”
During the meeting, organized by UNFPA and the Asian Forum of Parliamentarians on Population and Development (AFPPD), the parliamentarians signed a statement pledging to prioritize: “the promotion and protection of sexual and reproductive health and rights”, “gender equality,” “unsafe abortion” and “safe motherhood,” all words, phrases and programs used to support abortion on demand.
Claiming the International Conference on Population and Development (ICPD) Program of Action as the guide for their work, the relatively small number of Parliamentarians also pledged to lead national efforts to “ensure that the new target on universal access to reproductive health is immediately and fully integrated into national development strategies and is given highest priority in the plans, implementation and monitoring of relevant government ministries.”
Pro-life observers of the UN are concerned that UNFPA is trying to influence nations to liberalize abortion laws by promoting the contested ICPD document. They point out that the UN General Assembly has never defined the term “reproductive health” as including abortion, nor did the Cairo Conference.
Even so, UN agencies like UNFPA, and intergovernmental organizations like the World Health Organization (WHO), and UN treaty compliance committees continue to misinterpret the controversial ICPD document in order to pressure nations to liberalize abortion laws.
Experts remain concerned about some of the other terminology that appears in the recent Bangkok document and note that some terms, such as “gender equality,” “safe motherhood” and “sexual and reproductive health and rights,” also remain sources of confusion, misuse and misinterpretation.
Regarding the term “safe motherhood,” Dr. Robert Walley, executive director of Matercare International, told the Friday Fax, “The international safe motherhood initiative, which was launched to reduce maternal mortality, now includes the provision of what is called safe abortion. To reduce maternal mortality it supports the killing of the unborn children. Thus, maternal mortality is being replaced by fetal mortality in ever increasing numbers. Most abortions in the world are performed for social and economic reasons. The awful reality is that once the mother has had her baby destroyed she is returned to the poverty and ignorance from whence she came.”
The Bangkok meeting was the third global parliamentarians’ conference on population and development to review the 2015 goal of universal access to reproductive health care which was adopted at the International Conference for Population and Development (ICPD) in 1994. Previous conferences took place in Ottawa in 2002 and Strasbourg in 2004. Participants agreed to hold another review session in 2009. | 3,345 | 1,548 | 6,936.337209 |
warc | 202143 | STUDENT PROFILE Constance Farmer & Sanghamitra Saha Opening doors
Loyola’s Master of Jurisprudence (MJ) in Compliance and Enterprise Risk Management program provides a solid grounding in key compliance and risk management concepts across industries. It also opens doors to important professional resources, training, and contacts.
Constance Farmer and Sanghamitra Saha took advantage of this value-added networking when, as students in the program, they qualified for scholarships to the Ethics and Compliance Initiative (ECI) annual IMPACT conference. ECI is a compliance industry organization that provides research, networking opportunities, and certification to its members
At the yearly conference, diverse experts and practitioners share benchmarks and best practices for creating high-quality ethics and compliance programs. This year, speakers also shared insights on helping their organizations respond to current events, including social justice issues and COVID-19.
“The conference was a deep dive into all things compliance related, with fantastic, dynamic speakers discussing real-life current situations like ethical concerns regarding the pandemic and anti-discrimination standards in the compliance space,” says Farmer, who will use ECI takeaways to continue the discussion and as analysis for her capstone project. | 1,352 | 756 | 2,380.306878 |
warc | 202143 | Descriptive Statistics - Measures of Shape
Updated: Jul 17
Not everything that can be counted counts, and not everything that counts can be counted.
The
moments of a function are quantitative measures related to the shape of the function's graph. If the function is a probability distribution, then the zeroth moment is the total probability (i.e. one), the first moment is the expected value or Mean, the second central moment is the Variance, the third standardized moment is the Skewness, and the fourth standardized moment is the Kurtosis.
The shape of a distribution can be easily observed through Histograms and Density plots. Two important Measures of Shape are:
Skewness
Kurtosis
Skewness
The formula to compute Skewness is given by
Usually just by observing the shape of the histogram of the data, one would be able to see if the data is skewed and if skewed, Is it positively skewed or negatively skewed?. For data skewed to the left, the skewness measure is negative and for the data skewed to the right, the skewness measure is positive. The skewness is zero when the data is symmetric.
In cases where data is skewed, Median is a preferred measure of location rather than mean because mean gets affected by the presence of outliers that brings about skewness in the distribution.
Kurtosis
The outliers in a sample, have even more effect on the kurtosis than they do on the skewness and in a symmetric distribution, both tails increase the kurtosis, unlike skewness where they offset each other. There are three types of data shapes; Platykurtic, Mesokurtic, and Leptokurtic. Kurtosis has no units and it is just a number.
1. A normal distribution has kurtosis exactly 3 (excess kurtosis exactly 0). Any distribution with kurtosis approximately 3 is called
mesokurtic.
2. A distribution with kurtosis <3 is called
platykurtic. Compared to a normal distribution, its tails are shorter and thinner, and often its central peak is lower and broader.
3. A distribution with kurtosis >3 is called
leptokurtic. Compared to a normal distribution, its tails are longer and fatter, and often its central peak is higher and sharper.
The shape of the distribution can assist with identifying other descriptive statistics, such as which measure of central tendency is appropriate to use. If the data are normally distributed, the mean, median, and mode are all equal and therefore are all appropriate measures of central tendency. If data are skewed, the median may be a more appropriate measure of central tendency.
Hope this post was helpful!!. If you’re interested to read more, you can subscribe and be notified when the next article is published. | 2,677 | 1,167 | 6,076.583548 |
warc | 202143 | Entropy, Volume 20, Issue 4 (April 2018) – 96 articles Cover Story(view full-size image): What are the conceptual foundations of thermodynamics? Mathematicians have explored this question through abstract axiomatic systems, while contemporary physicists (inspired by Maxwell's demon) have come to regard information as the key basis for the theory. Each approach offers insights. To embrace both, we need axioms that incorporate ideas of information from the outset, describing how physical agents represent and manipulate the state of their surroundings—and themselves. View the paper here. Issues are regarded as officially published after their release is announced to the table of contents alert mailing list. You may sign up for e-mail alerts to receive table of contents of newly released issues. PDF is the official format for papers published in both, html and pdf forms. To view the papers in pdf format, click on the "PDF Full-text" link, and use the free Adobe Reader to open them. | 1,006 | 608 | 1,641.368421 |
warc | 202143 | Border Security Recent Activity
MPI co-founder Demetrios G. Papademetriou takes on many questions, including whether the role of think tanks has evolved over the last two decades, in this conversation with MPI’s Natalia Banulescu-Bogdan. They also look ahead to the challenges that will dominate immigration policymaking in the years ahead.
The 2021 annual Immigration Law and Policy Conference featured a keynote conversation with Homeland Security Secretary Alejandro N. Mayorkas and analysis by top experts on the early months of the Biden administration and how immigration law and policy can respond to our changing world in a manner that is humane and in the national interest.
The sprawling U.S. immigration detention system has long been controversial for its conditions of care, number of immigrants and asylum seekers detained, and costs. This discussion of a report provides a vision for a reimagined immigration custody system.
Featuring findings from a recent MPI report, speakers examined the process of releasing unaccompanied children to sponsors, the current structure of federal post-release services, and the most significant needs these children and their U.S. sponsors experience.
The convergence of the second largest refugee crisis in the world and the COVID-19 pandemic has left the more than 5.5 million migrants who have fled Venezuela in an even more vulnerable position. | 1,410 | 791 | 2,492.010114 |
warc | 202143 | It's no secret 2020 has been unkind to retailers -- department stores in particular. In May,
J.C. Penney (OTC: JCPN.Q) filed for bankruptcy (though a new deal aims to revive it), and in early September, Lord & Taylor announced it would be permanently closing its doors.
So it's encouraging to see another struggling department store emerge from bankruptcy with a much brighter outlook. Neiman Marcus recently announced that its bankruptcy reorganization plan has been approved, paving the way for the retailer to emerge from Chapter 11 with far less debt (about $4 billion less, to be precise) and a lot more liquidity. The company's official bankruptcy exit is set to happen by Sept. 30 and will be fueled by a $750 million term loan from a group led by
Credit Suisse (NYSE: CS).
Fueled by the COVID-19 pandemic, earlier in the year, Neiman Marcus shut its 43 store locations, several dozen of its Last Call discount outlets, and its two luxury Bergdorf Goodman stores. Now, as the company plans to reopen, it will have seven fewer full-line stores, but it will also be in a better position to grow back to its original size -- or maybe even exceed it. And that's very good news for real estate investors and Neiman Marcus fans alike.
Investors can't afford more closures
Although in-store sales were on a downswing before the COVID-19 crisis took hold, the pandemic pushed many over the edge, forcing temporary closures and causing consumers to revert to online shopping out of necessity. As such, investors -- those with money tied up in malls, specifically -- have grown increasingly nervous about the prospect of permanent store closures.
Department store closures are especially catastrophic for malls, because these tenants occupy the most space and are known to draw in consumers. Losing a retailer like Neiman Marcus could, in fact, drive already-struggling malls dangerously close to extinction.
Of course, Neiman Marcus may opt to shift its approach to sales by concentrating on its online model. Retail analysts at Moody's Investors Service project online sales will continue to accelerate, surpassing 25% of total sales over the next five years. As such, many retailers will need to adapt and focus on developing a robust e-commerce model.
But the fact that Neiman Marcus is specifically planning to focus its effort on Bergdorf Goodman, its luxury subsidiary, is encouraging. In fact, the high-end nature of Neiman Marcus may make it possible for the company to maintain its mall presence despite the cost savings associated with shifting to an online model.
Many consumers shop at lower-end department stores out of necessity, whereas purchases from a store like Neiman Marcus often are regarded as an indulgence. And acquiring those purchases in an actual store, with a live sales associate, is part of the experience.
The bottom line
Now that Neiman Marcus is emerging from bankruptcy with less debt and a new management team, the hope is that it will slowly but surely regain its footing and remain a viable presence in the world of retail. After all, investors really need it to. | 3,112 | 1,570 | 6,140.749045 |
warc | 202143 | Market Snapshot
Study Period: 2016 - 2026 Base Year: 2020 CAGR: 4.7 % Need a report that reflects how COVID-19 has impacted this market and its growth? Market Overview
The Kenya Floriculture market is projected to register a CAGR of 4.7% during the forecast period (2021-2026). The Covid-19 pandemic outbreak caused worldwide lockdown, and restrictions on travel by national governments across the globe have affected Kenya's floriculture market in serious ways. The demand for flowers was decreased due to cancellations of weddings and events. Farmers have suffered huge losses due to the unavailability of flights, decrease in demand, and low exports of fresh-cut flowers. To mitigate the damage, growers have deducted the salaries and stopped the production of some varieties till demand increases. Rose is witnessing immense popularity in the country. Its production was valued at USD 592.4 million in 2019. Delphinium, Limonium, and Helianthus are the most popular growing facilities for roses in Kenya. Furthermore, some of the most common technologies utilized in the entire cold chain of Kenyan flower farming include drip irrigation, fertigation systems, glasshouse ventilation systems, net shading, pre-cooling, cold storage facilities, artificial lightning, and refrigerated trucks.
Scope of the Report
Floriculture is a type of horticulture practice that primarily focuses on the cultivation of flowering and ornamental plants for gardens and commercial use. Kenya Floriculture Market is segmented by Type of Flower into Roses, Carnations, Lilies, Hypericum, Gypsophilia, and Other Cut Flowers, Cuttings, and Other Types of Flowers. The report presents an in-depth analysis of market size, Import Analysis (Value and Volume), and Export Analysis (Value and Volume) analysis of different types of flowers popular in the Kenyan floriculture market, and detailed analysis of flower farming and flower farms in Kenya.
Types of Flowers
Cuttings Other Types of Flowers Key Market Trends Rising Export Potential of Floral Products
Kenya is one of the major exporters of cut flowers across the world. Popular flowers, such as roses, carnations, lilies, leaf cuttings, and decorative plants, are primarily exported by the country. In Kenya, the majority of the floriculture products are produced to meet the needs of exports. The main export markets include the Netherlands, followed by the United Kingdom, the United Arab Emirates, and Germany. While the main export destinations for fresh roses are the Netherlands, the United Kingdom, and the Russian Federation. These countries accounted for a share of 70.9% in 2019. Roses have the potential for expansion, owing to reasons, such as large acreage for production, stable productions throughout the year, and the fact that cultivators have a high standard of SOP for the production of high-quality, along with high demand from international markets.
To understand key trends, Download Sample Report
Increasing Support from Government and Public Sector
The Kenyan Ministry of Agriculture is focusing on driving the adoption of floriculture, through various policies, regulations, and operational directions. The government invested a huge amount in cultivation, along with favorable policies. This is attracting foreign investments. Furthermore, the market is implementing advanced technologies and infrastructures for floriculture. In Kenya, the different ministries that are in favor of floriculture are Water and Irrigation, Health, Environment, and Natural Resources, Local Government, Cooperatives development and Marketing, Trade, and Regional Development Authorities. In Kenya, the National Horticultural Policy came into force in 2012, which offered policy interventions for production, support services, marketing in local and regional markets, and infrastructure facilities. The other public sectors include the Kenya Plant Health Inspectorate Services (KEPHIS), which helps in regulating the phytosanitary and seed issues, by providing plant variety protection and seed certification. The Horticultural Crops Development Authority (HCDA) is one of the major organizations responsible for the facilitation, development, promotions, and regulations of horticulture techniques in Kenya.
Table of Contents
1. INTRODUCTION
1.1 Study Assumptions and Market Definition
1.2 Scope of the Study
2. RESEARCH METHODOLOGY
3. EXECUTIVE SUMMARY
4. MARKET DYNAMICS
4.1 Market Overview
4.2 Market Drivers
4.3 Market Restraints
5. MARKET SEGMENTATION
5.1 Types of Flowers
5.1.1 Cut Flowers
5.1.1.1 Roses
5.1.1.2 Carnations
5.1.1.3 Lilies
5.1.1.4 Hypericum
5.1.1.5 Gypsophila
5.1.1.6 Other Cut Flowers
5.1.2 Cuttings
5.1.3 Other Types of Flowers
6. VALUE CHAIN & TRADE ANALYSIS
6.1 Supply Chain Analysis
6.2 Distribution Channel Analysis
6.3 Trade Analysis
6.3.1 Import Analysis (Value and Volume)
6.3.2 Export Analysis (Value and Volume)
7. MARKET OPPORTUNITIES AND FUTURE TRENDS
8. AN ASSESSMENT OF COVID-19 IMPACT ON THE MARKET
You can also purchase parts of this report. Do you want to check out a section wise price list? Frequently Asked Questions What is the study period of this market?
The Kenya Floriculture Market market is studied from 2016 - 2026.
What is the growth rate of Kenya Floriculture Market?
The Kenya Floriculture Market is growing at a CAGR of 4.7% over the next 5 years. | 5,388 | 2,531 | 11,374.193599 |
warc | 202143 | At Kool Smiles, we understand what being a kid is all about, and that’s why we make visiting the dentist fun. At the same time, we don’t want you to have to worry about high costs.
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warc | 202143 | Takeaway
Changes in the performance of motor tasks are associated with motor cognitive risk (MCR) syndrome. Further investigation into the pathophysiological mechanism behind this association may improve understanding of the process involved in the development of dementia.
Why this matters
MCR syndrome is a recently described predementia syndrome. This was the first study to identify factors associated with MCR while accounting for physical performance and body composition in community-dwelling elderly Chinese and may help to further develop understanding of the pathophysiological mechanism underlying MCR syndrome, and therefore dementia. | 651 | 367 | 1,145.901907 |
warc | 202143 | U.S. stocks had their biggest drop since May as traders worried about potential ripple effects if a debt-laden Chinese real estate company defaults and the likelihood that the Federal Reserve will signal that it will pull back its supports for markets and the economy.
The S&P 500 fell 1.7% Monday. It had been down as much as 2.9% earlier. Hong Kong’s main index dropped 3.3%, its biggest loss since July, over worries that the huge Chinese developer Evergrande could collapse. The yield on the 10-year Treasury note dropped to 1.31% as investors turned to lower-risk assets.
Developers Laden With Debt
Worries about debt-engorged Chinese property developers — and the damage they could do to investors worldwide if they default — are rippling across markets. Investors are also concerned that the U.S. Federal Reserve could signal this week that it's planning to pull back some of the support measures it's been giving markets and the economy.
The S&P 500 fell 2.1% as of 3:46 p.m. Eastern. At one point, the benchmark index was down 2.9%, the biggest decline since last October. The S&P 500 is also coming off two weeks of losses and is on track for its first monthly decline since January. The S&P 500 has gone an unusually long time without a pullback of 5% or more.
The Dow Jones Industrial Average fell 745 points, or 2.2%, to 33,846, while the Nasdaq fell 2.7%. The Hang Seng, Hong Kong’s main index, dropped 3.3% for its biggest loss since July. European markets fell about 2%.
'Risks Too Big to Ignore'
“What's happened here is that the list of risks has finally become to big to ignore,” said Michael Arone, chief investment strategist at State Street Global Advisors. “There’s just a lot of uncertainty at a seasonally challenging time for markets.”
The worries over Chinese property developers and debt have recently centered on Evergrande, one of China’s biggest real estate developers, which looks like it may be unable to repay its debts.
The fear is that a potential collapse there could send a chain reaction through the Chinese property-development industry and spill over into the broader financial system, similar to how the failure of Lehman Brothers inflamed the 2008 financial crisis and Great Recession. Those property companies have been big drivers of the Chinese economy, which is the world’s second-largest.
If they fail to make good on their debts, the heavy losses taken by investors who hold their bonds would raise worries about their financial strength. Those bondholders could also be forced to sell other, unrelated investments to raise cash, which could hurt prices in seemingly unrelated markets. It’s a product of how tightly connected global markets have become, and it’s a concept the financial world calls “contagion.”
Many analysts say they expect China’s government to prevent such a scenario, and that this does not look like a Lehman-type moment. Nevertheless, any hint of uncertainty may be enough to upset Wall Street after the S&P 500 has glided higher in almost uninterrupted fashion since October.
Quantitative Easing vs. Covid Cash
Besides Evergrande, several other worries have been lurking underneath the stock market’s mostly calm surface. In addition to the Fed possibly announcing that it’s letting off the accelerator on its support for the economy, Congress may opt for a destructive game of chicken before allowing the U.S. Treasury to borrow more money and the COVID-19 pandemic continues to weigh on the global economy.
Regardless of what the biggest cause for Monday’s market swoon was, some analysts said such a decline was due. The S&P 500 hasn’t had even a 5% drop from a peak since October, and the nearly unstoppable rise has left stocks looking more expensive and with less room for error.
All the concerns have pushed some on Wall Street to predict upcoming drops for stocks. Morgan Stanley strategists said Monday that conditions may be ripening to cause a fall of 20% or more for the S&P 500. They pointed to weakening confidence among shoppers, the potential for higher taxes plus inflation to eat into corporate profits and other signs that the economy’s growth may slow sharply.
Even if the economy can avoid that worse-than-expected slowdown, Morgan Stanley’s Michael Wilson said stocks could nevertheless drop about 10% as the Fed pares back on its support for markets. The Fed is due to deliver its latest economic and interest rate policy update on Wednesday.
Earlier this month, Stifel strategist Barry Bannister said he expects a drop of 10% to 15% for the S&P 500 in the final three months of the year. He cited the Fed’s tapering of its support, among other factors. So did Bank of America strategist Savita Subramanian, as she set a target of 4,250 for the S&P 500 by the end of the year. That would be a 4.1% drop from Friday’s close.
Tech, Bank Stocks Suffer
Technology companies led the broader market lower. Apple fell 2.5% and chipmaker Nvidia dropped 4.3%.
Banks posted big losses as bond yields slipped. That hurts their ability to charge more lucrative interest rates on loans. The yield on the 10-year Treasury fell to 1.31% from 1.37% late Friday. Bank of America fell 5%.
Oil prices fell 2.3% and weighed down energy stocks.
Smaller company stocks were among the biggest losers. The Russell 2000 fell 3.3%.
Utilities and other sectors that are considered less risky held up better than the rest of the market.
There were few bright spots. American Airlines led the gainers in the S&P 500, adding 2.6%.
Investors will have a chance for a closer look at how the slowdown affected a wide range of companies when the next round of corporate earnings begins in October. Solid earnings have been a key driver for stocks, but supply chain disruptions, higher costs and other factors could make it more of a struggle for companies to meet high expectations.
“The market’s biggest strength this year could become its biggest risk,” Arone said.
© Copyright 2021 The Associated Press. All rights reserved. This material may not be published, broadcast, rewritten or redistributed. | 6,233 | 2,968 | 12,734.808625 |
warc | 202143 | Fujikura is a staple. Everyone that has ever golfed, from amateurs to professionals, is familiar with the name. Fujikura is the producer that gave golfers Vista, Motore, and Speeder shafts – as well as the ever-popular
Fujikura Ventus line.
Fujikura Ventus shafts are available in three different main model lines, by “color” and with a corresponding range of specifications. On one end of the spectrum are the Fujikura Ventus Red shafts, with stiff tips, firm midsections, and extra stiff handles, some of the more flexible of the bunch.
The Ventus Black line, on the other end, has the higher overall stiffness ratings of the pack, with ultra-stiff handles and tips and a stiff midsection. The Ventus Blue line, in the middle, has an ultra-stiff tip section, a stiff midsection, and a firm handle. In addition to being categorized by color (and stiffness) Fujikura Ventus shafts exhibit variance in torque, bend point, and weight – denoted by a numerical rating, such as Ventus Red 5 or Ventus Red 6.
The Fujikura Ventus was designed, as mentioned above, in three launch profiles to maximize distance, so you can get the most from the power of your swing. The Ventus Red delivers mid to high launch heights, the Blue mid-launch heights, and the Black low launch heights.
Cutting-edge technology and ultra-premium materials have increased the strength and performance of the Fujikura Ventus line of shafts, enabling precision tolerances, high-end durability, and power that golfers simply love.
At the heart of the Ventus line’s ability to increase velocity and stability is a multi-material core of full-length, extremely high-modulus graphite. The core of each Ventus shaft features Pitch 70 Ton Carbon Fiber, which is 150% stronger than the T1100g Carbon Fiber common in many golf shafts. This carbon fiber core offers strength and stability, while 40 Ton carbon-fiber bias layers improve the feel and sensitivity of these shafts.
These different carbon fibers work together to create what Fujikura calls VeloCore Technology, which is a “multi-material bias core” that “improves stability through transition and impact.” That is, these are extremely stable, light, and strong shaft designs that enable faster swings, higher clubhead MOI, and higher ball speed.
The use of these high-performance materials has enabled Fujikura to create a shaft that performs alongside heavier shafts; the difference is, usually a heavier shaft adversely impacts swing speed. The Ventus line enables the same strength and sensitivity as heavier shafts in a lower-weight package, giving golfers the best of both worlds – the ability to extract every last mite of power from their swings, in a lighter package, without sacrificing durability or sensitivity.
Critics were quick to laud the Fujikura Ventus line, with words like “phenomenal” and “best” being thrown around in reviews. Critical support has been nearly universally positive, despite the steep price of these shafts; it’s easy to find reviews, ratings, and articles from golfers who insist their Ventus shafts allowed them to swing both harder and faster, enabling greater distances and control.
Golfers interested in learning more about the technical specifications of the different Fujikura Ventus lines should visit Dallas Golf Company, either online or in their physical storefront in Dallas, Texas.
At DallasGolf.com, golfers can explore the different Ventus shafts on the market today, along with many other top Fujikura golf shafts. Their customer service team is also available by phone at 800-955-9550 for customers who would like more information.
Customers can also visit them in-store in Dallas where they can learn more about these and other Fujikura shafts, even taking advantage of Dallas Golf Company’s professional club fitting services. Check out their website and get in touch with them to make plans. | 3,960 | 1,820 | 8,411.736264 |
warc | 202143 | The English Olympiad is one of the finest exams conducted at national and international levels for school children. It is an opportunity for students to come together at the same level and test their knowledge on the subject. The exam covers school syllabus that makes them confident to attempt their school tests too. English is one subject that requires a lot of practice especially in grammar. Today’s children are in need of more information much more than what is taught in class. Thus, these additional practice help to add to their expertise and knowledge. It helps students to master concepts. Students and parents get to know individual strengths and weaknesses. They have ensured to keep in mind the present syllabus and the requirements of the present education system. The questions in the English Olympiad Preparation Material are framed in a manner that would help students to compete at national and international levels too.
There are several benefits of taking the English Olympiad. Students become familiar with questions that are of varying difficulty. It assesses their existing knowledge ad identifies topics that require more practice. It helps them to know their position among their peers. It gives them an exposure to very high level competition thus, making them used to competitive exams. It improves their thinking ability and self-confidence. The English Olympiad is all about getting the concept right. It gives a lot of importance on clarity of fundamentals. It motivates students to perform better each time in these exams. It also teaches them not to lose hope and try for better scores in the next exam. English is one of the subjects that has become extremely important to achieve one’s career goals. English language is considered to be one of the most dominant languages in the world. Thus, students who participate in the English Olympiad improve their spelling, grammar and their overall learning process. IEO preparation material gives them the edge over the others and helps them to prepare well for this exam. By taking part in such exams, students get an early exposure to continuous quality learning and competitions.
Olympiad topper is one of the most trusted websites that offer English Olympiad preparation material. Here, you get the best of study material required all participants of English Olympiad from class 1 to class 10. The preparation material is available online in the form of unlimited questions that students can take from home. It has one of the most comprehensive method to make students learn concepts. It focuses on the learn, assess and improve strategy to bring the best out of children. The rich question bank tests students from different chapters. The organization ensures that students learn impeccable grammar. This is possible only when they are used to solving a variety of questions. The Olympiad Topper has a team of well qualified teachers who have carefully curated these questions. The study material and the practice questions are available online. Thus, it becomes very easy for students to attempt each question and move on to the next one. The IEO Preparation Material boost self-confidence thus boosting existing knowledge. | 3,222 | 1,410 | 7,330.621277 |
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