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At Avoka, we communicate a good deal about creating digital banking methods to help you economic organizations make improvements to their client onboarding activities. But, what's electronic banking?
Digital banking could be the digitization (or moving on the net) of all the normal banking things to do and plans that historically ended up only available to shoppers when physically inside of a bank department. This includes things to do like:
Funds Deposits, Withdrawals, and Transfers
Checking/Conserving Account Management
Applying for Economical Merchandise
Financial loan Management
Invoice Fork out
Customer preferences have rapidly shifted to on the web and cell products, but numerous economic businesses have had issues shifting their onboarding ordeals on the web and to scaled-down screens.
Furthermore, until eventually the past few years, banking institutions were not envisioning the tremendous shift in shopper actions that happened due to the millennial generation now develop into the most important consumers of monetary items.
Exactly what is the Distinction between On the internet and Digital Banking?
For the most part, both of these text are synonyms. But, we define online banking a little bit extra narrowly: on line banking generally concentrates on remote deposits, cash transfers, Monthly bill spend, and fundamental on-line administration of accounts. Other synonyms for on line banking include World-wide-web banking, virtual banking, and e-banking. So, on-line banking concentrates on digitizing the “core” components of banking, but digital banking encompasses digitizing every application and exercise carried out by financial establishments as well as their clients.Details
Historical past of Electronic Banking
On line Banking is developed into Microsoft Revenue. a hundred,000 homes begin accessing their bank accounts on the web.
Stanford Credit rating Union commences presenting banking services by using their Web page, paving just how for credit rating unions and financial institutions across the country.
On the internet banking hits 20 million users, with 8 diverse U.S. banking institutions attaining at the least a minimum of one million on the net buyers.
Avoka was Launched to help you banks and financial establishments in their digital transformations.https://seventyone.ch/
The start from the iPhone commences shifting electronic banking from desktop computer systems to smartphones.
Online banking hits 54 million end users in America.
Millennials reach fundamentally shifting digital banking Choices, signaling to banking companies which they have to go all services on the net.
Do you still give away money? The start-up Revolut attracts numerous new customers with a modern app and many sophisticated, free services.Digital Banking
Presently, the user expertise sent by a computer software software decides its recognition and profitability. The user practical experience shipped by an software relies on its accessibility, operation, general performance, usability, and protection across several products and platforms. Consequently, it turns into essential for enterprises to focus on the quality and consumer knowledge of their purposes all over the program advancement lifecycle.
Quite a few enterprises currently carry out formal computer software screening technique to launch a top quality software program software. Also, lots of businesses at present test the program constantly and below actual consumer problems. But various business owners even now don't comprehend the importance of testing from the application growth lifecycle, and the key benefits of screening the computer software early and repeatedly. They are still sceptical about the key benefits of application tests and believe several software program screening myths.
Decoding seven Widespread Myths about Program Testing
1) Screening Boosts a Software Software's Time for you to Current market
While producing a brand new application software, enterprises examine tips on how to beat completion by lowering its time to industry. The QA experts have to speculate both equally time and effort To guage the software package's high quality below different circumstances and In accordance with predefined requirements. That's why; lots of corporations think that the program tests course of action improves the product's the perfect time to marketplace. But Every single organization has many selections to receive its software program analyzed elaborately without growing its the perfect time to current market. A business can easily cut down screening time by automating a variety of tests actions. Also, it could possibly implement agile methodology to unify the coding and screening procedure seamlessly.
2) Tests Will increase Computer software Improvement Price tag
An company has to deploy experienced testers and invest in strong examination automation instruments to evaluate the standard of the program comprehensively. That is certainly why; lots of business owners feel that software package tests boosts software improvement cost substantially. But an organization can minimize program screening Value in numerous techniques. It may choose open source and free check automation tools to cut back both tests time and cost. Also, the program testing effects can help the small business to crank out far more profits by launching a high quality software software, In combination with averting servicing and correction cost.Details
3) Take a look at Automation Helps make Handbook Screening Out of date
The check automation resources support QA specialists to execute and repeat a number of checks without the need of putting excess effort and time. As a result, lots of enterprises check out ways to automate all testing functions. The business people often disregard the shortcomings of varied take a look at automation resources. They forget about The straightforward incontrovertible fact that check automation equipment absence the potential to imagine and make conclusions. Compared with human testers, the check automation applications simply cannot evaluate an application's usability and user experience specifically. These days, a computer software application ought to supply ideal consumer expertise to be well-liked and financially rewarding. Consequently, an company need to Incorporate human testers and exam automation instruments to assess the standard of its computer software additional exactly.
four) Elaborate Testing Helps make an Application Flawless
Whilst testing a application application, testers perform several different assessments To guage its accessibility, features, efficiency, usability, security, and person encounter. They even detect and maintenance all defects and general performance problems from the computer software ahead of its launch. The exam final results also assist enterprises to decide If your software fulfills all predefined requirements. Nevertheless the user working experience shipped by an application may perhaps differ In line with user ailments and environments. The testers can not recognize all bugs or defects in an application Regardless of performing and repeating lots of exams. That's why, the business enterprise will have to be ready to receive the bugs or concerns present in the application following its release.
5) Builders usually are not necessary to Exam the Software package
An company ought to deploy competent QA experts to receive the quality of its program assesses totally and efficiently. However it can usually accelerate the software testing approach by producing the programmers and testers operate jointly. The builders can additional assess the caliber of application code by executing unit screening and integration screening all over the coding procedure. Also, they have to execute sanity screening in order that the software package is working In line with predefined necessities. Agile methodology additional demands enterprises to unify application advancement and testing actions to deliver high quality program applications. The undertaking management solution demands companies to check the computer software continuously by a workforce consisting both programmers and testers.https://alternativesoft.info/
6) Tests Approach Commences following Program Growth Course of action
The standard waterfall product allows organization to start the computer software screening procedure just after finishing the software program improvement system. But the standard software program tests model will not satisfy the necessities of complex and cross-System software package apps. A gentle raise is remaining pointed out in the number of enterprises switching from waterfall models to agile methodology and DevOps. As talked about before, agile methodology demanded businesses to test the computer software constantly, along with generating the programmers and testers perform as only one workforce. Also, DevOps requires corporations to unify application progress, tests, and deployment procedures. For this reason, the testers these days start testing an application through the First period with the program enhancement lifecycle.
7) No Need to Deploy Proficient Software package Testers
A lot of business people even now feel that the only real undertaking of the testing Expert is to discover bugs or defects in an application. The even do not take into consideration software package tests involves ability and creativeness. The false impression typically helps make organizations get their computer software examined by random persons. An enterprise can entail authentic people inside the software screening approach to assess the application's usability and consumer working experience a lot more effectively. But it will have to deploy qualified testers to find the computer software evaluated underneath various consumer circumstances and environments. The experienced testers know how to detect the defects and effectiveness challenges while in the computer software by producing a lot of check scenarios. The even create elaborate test outcomes to facilitate the decision earning approach.
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What is a Bank card?
It is usually called plastic revenue which can be made use of in place of the dollars. A credit card is utilised to buy any product or service from the market on credit rating. It's got sixteen digit no., CVV no. and a novel pin no. which has being saved key via the user.
It's changed currency notes and it has identified a long term position within our wallets having said that it can be an unsolved thriller For a lot of and so resulting into countless problems about surplus charges, fees since its badly recognized even though banks give people all the necessary facts in form of a printed "stipulations" that come with their card package.Details
The users typically have combined reviews about a bank card. Some people are very happy Using these while some are so irritated that they strictly deny to own a single Down the road. We're going to go over listed here in regards to the very same matter.
Commonly, a credit card comes with Advantages and a few rates which aren't really hidden. Like various cards come with diverse once-a-year costs, late payment expenses and various rates. But when anyone applies for any card, he/she frequently views only the benefits and not other rules and regulations. Someplace, There exists also the fault of revenue person as He's unable to adequately tutorial the customer. Which leads to his adverse opinions. So, is there any solution to this problem? Yes off course, somewhat awareness can save you from avoidable prices. What you'll want to do now's go through these crucial ideas to observe to play Harmless Using the credit cards.
Any person implementing for it should be familiar with these details:
- There is due day described inside the bill assertion. You must pay back your Monthly bill in advance of this owing day to stop late costs. All banks have distinctive late cost like Rs. 750 for a month.
- Within the Monthly bill assertion, two amounts are mentioned particularly Minimum amount due amount of money and Whole Because of amount of money. To stop curiosity on the following bill, you should definitely pay overall thanks sum as an alternative to minimal thanks sum. Paying least due volume will get you reduced cibil rating and needless expenses with your Monthly bill. These expenses differ with the lender and may be three-4%
- Every one of the cards have fastened Invoice cycle and payment date. So, do not forget to manage your expenses to pay the bill by the due date.
- Usually Test your bill assertion. And when you feel that it should be corrected, then get it done inside of 60 times.
- Keep in mind your charge card number often. In the event that, it's shed then it is simple that you should report it speedy for the lender. Also, it can be uncomplicated for shopping online due to the fact you won't need to just take it out always. Even so, at some time of buying You furthermore mght require CVV no. and expiry day. But it surely's good to keep in mind your charge card no.https://meccadumps.net/
- Check out the yearly fees along with other charges on the financial institution when implementing for just a charge card. The many financial institutions have distinctive fees and expenses which you have to check. This can help you in knowing about your bank card plus the future costs. So, you would not be surprised Using these expenses and expenses.
- Bank cards have specific factors and benefits method. These details change into the value like in some cases 2 points = Rs.one when in certain It is really like four factors = Rs.1. You need to know about these reward factors to redeem later.
- Verify which is your lender awarding you cashback with shopping. Cashback implies that the quantity of cashback that the card is liable for will get the dollars again in the account at enough time of Invoice cycle. The worth of cashback receives debited in the account in the bill statement. This is a great feature and will help you in saving whenever your store. For this you may need to take a look at that what give your charge card is featuring.
- You should not use entire Restrict within your credit card mainly because it can provide a decline in your credit score score. To maintain nutritious cibil rating, you must expend not more than fifty% of the credit history Restrict.
- Really don't use your card to pay the charges of other bank card or some other financial debt. It'll lead to bad financial wellbeing. Instead you can submit an application for the private bank loan which is obtainable easily at pretty very low rate of desire.
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Steeped in abundant, mysterious historical past, Egypt is one of the preferred destinations to go to on this planet. Move back again in time and become surrounded with the antiquity, grandeur and atmosphere this country provides.
The Great Pyramid of Giza
Uncover the tricks of the ancient Terrific Pyramid of Giza, the only real just one to remain mainly intact. You're going to be captivated by its mind-boggling sizing. It had been inbuilt about two,600 BC for a tomb for The traditional Pharaoh, Khufu and sits beside two scaled-down pyramids. Should you be sensation courageous, take a stroll down the dusty chambers of your pyramids in which you can find superbly preserved hieroglyphs.
The Great Sphinx of Giza
The Sphinx, a creature in-built limestone, with the haunches of the lion and the head of a human, proudly guards the tombs within the Giza Plateau, located to the West lender in the Nile. It was believed that if another person handed by the Sphinx, it would ask them a riddle. If the person failed to response the riddle, the Sphinx would consume them. When they answered accurately, they'd be allowed to pass.www.touregyptclub.com
The Valley on the Kings
The Valley from the Kings, created all over The traditional internet site of Thebes, could be the burial floor of quite a few key royal figures and privileged nobles, which include Tutankhamun. Travellers are already browsing This website because Roman times to watch the magnificent scale of each statue, as well as depth of reliefs, frescos and inscriptions. Astonishingly, a number of the first colours have been preserved mainly because of the deficiency of rain.
Have a glistening cruise down the longest river on the earth, the River Nile, in which most of the inhabitants and cities of Egypt lie. Continue to keep a look out for the many cultural and historical sites on the best way, as most of these are positioned alongside the riverside.Details
The recent, hazy Cash of Egypt, Cairo, possesses a solid distinction of medieval citadels and contemporary skyscrapers. Listed here you may witness the actual essence of current day daily life During this historic metropolis, with fast paced, bustling bazaars, where you can haggle for shiny souvenirs plus a colourful variety of spices and woven carpets. In Cairo, you will be more than most likely to find out a novel shop, street, food or impression to photograph, so you'll have a good amount of memories to consider back home.
Egyptis home to lots of superb destinations to visit on your holiday break and this is simply a small choice. You can browse quite a few articles or blog posts and guidebook books about a country, but the only genuine way to discover the miracles of a country such as this is to go to it by yourself.
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Steel bending equipment are utilized to bend metal, needless to say, which afterwards arrives into use to create other products and solutions manufactured outside of metal. Bending steel could be completed manually by hand, but that would get up plenty of treasured effort and time. Consequently, most providers that are involved with making metal centered products and solutions order these unique equipment to prevent unnecessary charges and to satisfy a lot more orders in much less time.
When purchasing bending metallic devices, you will find Numerous items which ought to be held in your mind.
The Price of These Machines
Steel bending equipment are available a vast variety as They may be applied for various needs; for instance some could possibly be utilised to provide slender-walled steel pipes while others are employed to make metal plates. Owing for their different sizes and functions, their costs range too. Moreover, you will find several corporations that create these rad equipment. Prior to paying for, you might want to be sure of The point that you've got in comparison prices and characteristics of various models of machines towards your pleasure. http://www.metmac.com/abouts.html
Options of Steel Bending Equipment
When considering a metal bending equipment for obtain, you'll want to endure its features in detail because they come in varied technical specs. The very first thing that you need to be considering would be the dimensions of steel tubing which might be bent in it. The machine that you select should really manage to bend the biggest dimensions of tube that you've got readily available in your company. Next, It's also advisable to be wanting out for the warranties as well as the return insurance policies that its production is providing Together with the sale. Some suppliers also supply leasing the equipment, so you might like to workout that option during the early a long time of use. Some organizations also offer spare elements as Section of the offer which is a good option.
Is it possible to Afford to pay for a Bending Machine
Buying this excellent machine could establish being really practical for a company that offers with steel; but These are really expensive and might put a large dent in almost any company's finances. Also, their expenditure won't finish there. If you actually need to acquire a steel bending equipment, You should be sure you'll be able to handle the after expenditure. The immediately after cost features the insurance policies Price tag. An insurance Expense is necessary as the equipment are really high-priced.Here
These features need to be worked out in advance of purchasing a metal bending device.
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Today.Az » Society » Azerbaijan extends special quarantine regime, relaxes rules
31 May 2020 [15:35] - Today.Az
By Ayya Lmahamad
Azerbaijan has extended special quarantine regime until June 15 while relaxing some of the lockdown rules, the coronavirus task force under the Cabinet of Ministers reported on May 29.
The decision was made in order to prevent the spread of COVID-19, after an analysis of the sanitary and epidemiological situation in the country and taking into account recommendations of the World Health Organization, the task force said.
At the same time, it was decided to ease a number of restrictions under the special quarantine regime as of May 31 midnight.
-restrictions in connection with the number of employees of state structures in Baku, Sumgayit, Ganja, Lankaran and Absheron district have been abolished;
- the activity of large shopping centres and malls on the territory of the country is resumed (except for children's and entertainment centers, cinemas, public catering facilities);
- it is allowed to organize sports competitions held in the open air without spectator participation;
- restaurants, cafes, tea houses and all public catering facilities in Baku, Sumgayit, Ganja, Lankaran and Absheron district are serviced on site from 08:00 to 22:00 (except for hookah use and organization of mass festivals with participation of more than 10 people in all public catering facilities of the country).
Violation of the rules entails administrative and criminal liability as provided by law.
The Operational Headquarters urged residents to follow the rules of personal hygiene, as well as medical and preventive measures, to have minimal contact with other persons in public places, to support the measures implemented by the state, to comply with the requirements and recommendations of the Operational Headquarters.
Azerbaijan first imposed the quarantine regime on March 24 and the third stage of quarantine regime easing came into force May 18.
As of May 31, Azerbaijan has registered 5.246 COVID-19 cases and 61 coronavirus- related deaths so far. The total number of recovered patients is 3.327.

domain: law


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While many stand-alone plastic surgery procedures can provide patients with their ideal results, Dr. Fredric Newman recognizes that in some cases, combining two or more procedures can offer a more natural-looking, balanced outcome and a more comprehensive rejuvenation. The neck lift, for instance, is one procedure that is often very beneficial for patients when done in conjunction with another cosmetic procedure.
A neck lift treats thin, inelastic skin and hanging tissue of the neck. Our experienced Fairfield County plastic surgeon explains that, although some patients can achieve their goals by lifting the neck tissue alone, many people can attain a more ideal outcome when they undergo an additional surgical treatment. Dr. Newman notes the following procedures to be the most beneficial to combine with the neck lift at the Aesthetic Surgery Center:
Dr. Newman explains that many patients can see enhanced results when they address the mid to lower facial region in addition to the neck. After evaluating your individual needs, if he believes this combination will not ultimately provide the ideal results, then Dr. Newman may recommend a full facelift for a greater transformation. Alternatively, liposuction in addition to a neck lift, may be all that is needed to meet your goals. Whether a neck lift by itself or in combination with another procedure may be necessary, Dr. Newman says that patients – especially between the ages of 30 and 50 – typically experience significant skin tightening results for a beautiful, natural-looking neck rejuvenation.
To learn if you are a good candidate for a neck lift or other cosmetic procedures, please contact us to schedule your consultation. Stay tuned for our next blog post revealing the benefit of combining a neck lift with rejuvenative facial procedures.
If you are considering plastic surgery in Fairfield County or anywhere in Connecticut, contact us to schedule a one-on-one consultation with one of our expert plastic surgeons.
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domain: medical


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Mood swings are one of the most common problems suffered by people all around the world regardless of their native, cultural, and religious differences. One of the common factors for mood swings is the unhealthy state of mind that does not the brain to react normally to the usual things, ultimately resulting in the person suffering from poor anger management, anxiety, and sometimes depression.
Our minds react to how we view the world and our surroundings. This is why mood swings are related to the daily habits and routine that might cause the frustration and anger in the mood die to which the person becomes cranky, and reacts to things in an unusual way for no apparent reason.
The only way that science has discovered for dealing with the mood swings is by prescribing harmful and addictive medicines that later numerous problems in the body such as weight gain and anxiety etc. This is why the desperate need to explore more methods of dealing with the mood swings was felt that has now been fulfilled by the detailed research of the scientists who excel in the field of natural and organic components.
The CBD oil is a product introduced by the expert scientists who believe in fighting against the chronic and mild diseases/illness with the help of the all-natural methods such as extracting the pure ingredients directly from the useful herbs and plants.
The CBD oil is basically made from cannabinoid that is a natural ingredient extracted from the hemp of the cannabis plant with which there are other components as well. However, those components, such as THC, are not as useful and harmless as cannabinoid which is the main reason for it being the main area of focus for the researchers and scientific experts. Since CBD has natural properties of relieving several chronic diseases including mental disorders, excessive weight gain, Alzheimer’s, and cancer etc., the oil is believed and claimed to produce outstanding benefits for exclusively dealing with the mood swings that become a part of the daily life and gradually take over the normal lifestyle which ultimately delivers pathetic results in the form of poorly affected way of living.
Mood swings can be caused by a number of starting from the poor financial condition to the toxic relationships that suck out the happiness from life. This way the person becomes cranky for no obvious reasons and starts behaving abnormally that create a big difference in the daily life routine and execution of the personal and professional tasks. The extreme conditions of the mood swings including bipolar disorder, schizophrenia, and personally disorders etc.
Some of the common causes of mood swings include:
Hormonal imbalance is a common thing in the teens and puberty era but elders also go through the similar phase when they experience sudden changes in their body or lifestyle that does not allow the brain to accept it, hence, resulting in extreme kind of the mood swings.
This is also a main cause in the recent time because of the loads of options available that do not allow people to live normally as suggested by the experts for a medically fit body and mind. Eating processed food or not sleeping/waking up on time disturb the body’s natural way of reacting to things that result in mood swings.
Other health conditions such as thyroid or liver diseases etc. can also trigger the sudden mood swings.
Toxic medicines taken for dealing with chronic diseases have the mood swings included in its side-effects clearly by the pharmaceutical company, because there is probably no other way of reducing its harmful effects.
There are the five top symptoms of mood swings:
The CBD oil has numerous properties that are helpful in reducing and getting rid of the mood swings, some of which include:
1. CBD oil reacts to the natural endocannabinoid system, ECS, of our body which results in the release of dopamine that is a pleasure releasing cell. The main concern for most of the people is the whether the product being psychoactive or not. However, it has been proven by the advanced scientific studies that it THC, another component of the cannabis plant, that is psychoactive while CBD is completely for consumption without any side-effects.
2. When the brain receptors release dopamine, it allows the abnormal brain activities to slow down, reduce, or finish that make the person mentally stable.
3. While CBD oil is known for its extraordinary effects on the brain cells, ECS enhances its impact on the brain only to produce outcomes that prove to be beneficial in terms of mental stability and experiencing the right kind of the pleasure, much needed for a healthy mental state.
4. CBD oil also reduces the inflammation in the mind caused due to the unhealthy habits, with its anti-inflammatory properties for the improvement of the mood swings.
5. CBD oil has antioxidant properties which allow getting rid of the oxidative elements of the mind and body that forbid the brain to function properly with the normal human behavior.
6. The CBD oil relaxes the mind and also makes the brain calm and composed with the help of the natural properties of the organic component, CBD; eventually resulting in the eliminating the unnatural behavior caused due to the mood swings.
7. CBD is also prescribed as a mild anti-depressant for some people who do not believe in the toxic medicines, but find it hard to cope with their disturbed brain functioning that results in mood swings.
8. CBD has zero side-effects reported till date due to which it has been declared as the most effective natural remedy for the improvement of mood swings that is being consumed in a very casual way on a daily to regular basis.
This article was written by an independent and third-party author specialising in CBD, hemp and cannabis research. Any opinion, advice or recommendation expressed in the article does not reflect the opinion of Formula Swiss AG or any of our employees. We do not make any claims about any of our products and refer to our disclaimer for more information.
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domain: biology


I have been a member since Adobe Creative Cloud first came about and I can no longer use the apps on my old laptop (Windows 8) as it says they're not compatible.
I would like to cancel my subscription but when I go into my account to do this it says I will be charged A$131.97 as an early cancellation fee.
How can I get in contact with Adobe regarding this as I cannot use any of the apps on my laptop anymore and I've beem paying $43.99 for months even though their apps no longer work on my laptop.
It seems unfair to have to pay an extra A$131.97 for a suite of apps I can't use or access on Windows 8 anyway.
Is there an email address I can contact them on? When I click on Get Help in my Adobe Account it has a bot for Contact Adobe support and the phone number listed is in America and I don't know how to contact them in Australia.
Just like a car lease, you signed up for a year... and you pay a fee to cancel early
For more information you have to contact the Adobe support, because this is a public forum, not the link to Adobe support. Sorry, but we're normal users and we can't help with account and/or payment problems.
Please click the link below to contact Adobe staff to help.
Be sure to remain signed in with your Adobe ID before accessing the link below.
You have to allow 'cookies' in your web browser for this to work


Fun Fact of the Day: World Series Game 7 had more than 40 million viewers, making it the most viewed baseball game in 25 years. It had better ratings than this year’s Game 7 of the NBA Finals, but it didn’t beat the ratings for this year’s Super Bowl or the presidential debates.
Save the drama for your mama. Kevin Durant and his new team, the Golden State Warriors destroyed his old team, the Oklahoma City Thunder (122-96). The game started off pretty even, until Thunder player Jerami Grant dunked over KD. Bad idea. KD caught fire, scoring 39 points, and matching a career high seven 3-pointers. What happened between KD and Russ? Absolutely nothing. Disappointing, I know. The two ignored each other before the game, but that’s not too surprising; Russell Westbrook never shakes hands with opponents before games—not even his “brother.”
Buc up. The Atlanta Falcons easily beat the Tampa Bay Buccaneers 43-28, behind QB Matt “Matty Ice” Ryan and star wide receiver Julio Jones.
Seen and Heard
The party continues… If you’re still rewatching Chicago Cubs highlights from Game 7 of the World Series you’re not alone. Yesterday, everyone was reliving the magic: kids showed up late to school, Budweiser released a Harry Caray tribute video, and one fan cracked a 32-year-old beer that he put in the fridge to be opened only in case of a Cubs World Series victory. There were also a bunch of touching stories that will melt your cold, hard heart—like this man who kept his promise to listen to the game with his late father and this tale about a 94-year-old Cubs fan that passed away between Games 2 and 3.
Spotlight on Theo Epstein
With last night’s long awaited Cubs win, everyone is talking about the Chicago Cubs’ President of Baseball Operations, Theo Epstein. The 42 year-old baseball genius is already being touted as a future Hall of Famer. Here are your cliff notes on Epstein. (WARNING: Prepare to feel like a major underachiever.)
Baseball beginnings. Epstein went to Yale undergrad and was obsessed with baseball, working at internships with the Baltimore Orioles every summer. When he graduated he got a job with the San Diego Padres and simultaneously got his J.D. from San Diego School of Law. Within 5 years, he had worked his way up to the Padres’ Director of Baseball Operations.
Ending that first curse. When Epstein’s boss at the Padres became the Red Sox new president and CEO, he named Epstein the youngest GM in baseball history at just 28 years old. Epstein was known for making risky trades, attracting top talent with big deals, and scouting underrated prospects. Within 2 years they had ended the Red Sox 86-year World Series drought and then won another championship 3 years later.
Turning around the Lovable Losers. When Epstein went to the Cubs in 2011, it was a much bigger challenge. They were in pretty dire straits, having lost 91 games that season. Epstein replicated his winning strategy and tanked in the early seasons to get top draft picks. After finishing in last place in the NL Central division for his first 3 seasons, things turned around the next season. And the rest is history…
A dynasty? The future of this Cubs team is bright. They have a young talented core in Kris Bryant, Anthony Rizzo, Javier Baez, and Addison Russell, and all of them have contracts through 2021.
Baseball season is over, but not all is lost… There’s still plenty of football for you to watch this weekend:
Week 9 games to watch. This Sunday be sure to tune into these top games:
- Pittsburgh Steelers (4-3) @ Baltimore Ravens (3-4). This is one of the best rivalries in the NFL. The Ravens have lost their last 4 consecutive games, but this week they are hoping to bounce back with a healthy roster. Meanwhile Steelers QB “Big Ben” Roethlisberger is expected to make another superhuman, early return from injury, after getting knee surgery just 2 weeks ago. 1pm ET on CBS
- Denver Broncos (6-2) @ Oakland Raiders (6-2). These two teams are tied on top of the AFC West. The Raiders are coming in hot behind QB Derek Carr, who leads their dynamic offense. The Broncos, on the other hand, are still trying to regroup after losing running back C.J. Anderson to a season-ending knee injury. 8pm ET on NBC
Week 10 games to watch. We’re just 4 weeks away from the end of the season. Here are the top games to tune into this College Game Day Saturday:
- #1 Alabama @ #13 LSU. Alabama is still sitting pretty at the top of the College Football rankings, behind their phenomenal freshman QB Jalen Hurts. Now, they’ll go head-to-head against a Les Miles-less LSU, which has won its last 3 games. 8pm ET on CBS
- #10 Nebraska @ #6 Ohio State. The loser of this game can kiss their College Football Playoff hopes goodbye! Both these teams have 7-1 records, and they are anxious to nail down another quality win to get a boost in the rankings. 8pm ET on ABC


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Associate Professor in Zootechnics
ISARA Lyon - Engineering School in Agriculture, Food Science, Rural Development and Environmental Sciences - is a private university dedicated to higher education (BSc and MSc programs), research and extension in agriculture, food and environmental studies in France.
Lecturer/Senior Lecturer in Computer Vision (Two posts)
il y a 11 heures
| Se termine le févr. 15
Salary for Grade 8 (Lecturer): £40,792 - £48,677 per annum with potential to progress to £54,765 through sustained exceptional contribution, and for Grade 9 (Senior Lecturer): £51,630 - £58,089 per annum with potential to progress to £67,317.
This is an outstanding...
Assistant Professor Earth and Environmental Sciences
il y a 15 heures
| Se termine le janv. 31
The University of Central Asia seeks to fill several full-time positions in the Earth and Environmental Sciences programme at UCA’s campus in Khorog, Tajikistan. In your role as faculty member, you will be contributing to the development and implementation of a new BSc Earth...
University Lecturer, Geography
il y a 1 jour
| Se termine le févr. 14
The University of Helsinki is a multidisciplinary research university that ranks among the best in the world and the top ten among European universities. The university has some 36,000 degree students.
The Department of Geosciences and Geography at the Faculty of Science is...
Senior Lecturer in Project Management
il y a 6 jours
| Se termine le févr. 10
The University of Portsmouth achieved the highest ‘Gold’ rating in the Teaching Excellence Framework (TEF) the UK government’s first assessment of teaching excellence in higher education. Portsmouth Business School has a track record of sustained excellence in teaching and...

domain: geography


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PITTSBURGH (AP) – The University of Pittsburgh Medical Center say identity thieves have used the personal information of 22 employees to file bogus federal tax returns.
The hospital network is working with the Internal Revenue Service and other federal investigators to determine the scope of the scam.
It’s not clear whether only UPMC employees were being targeted. UPMC spokeswoman Gloria Kreps says such frauds are very common during tax season and UPMC believes its workers were targeted as part of a “broader fraud.”
The IRS says 1.2 million taxpayers were the victims of similar fraud in the 2012 fiscal year. The agency intercepted about 5 million bogus returns for the 2012 tax year.
The U.S. attorney’s office in Pittsburgh confirmed that federal authorities are investigating.
(Copyright 2014 The Associated Press. All rights reserved. This material may not be published, broadcast, rewritten or redistributed.)


text:
In Dakar, residents are joining forces to improve their housing and flood-damaged neighbourhoods, through rotating funds from the Senegalese Federation of Inhabitants. This solidarity-based initiative aims to rethink the role of stakeholders, financing, and the management of urban development at the local level.
Joining forces to save money and carry out collective income-generating activities is a common practice in Senegal and West Africa in general. Known as the tontine system, it consists in contributing to a common fund managed by a group of individuals, often from the same neighbourhood. The amounts saved are assigned to each member of the group, in turn. These savings groups are primarily composed of women and contribute to the small household economy. They are also drivers of solidarity and mutual assistance, promoting information flows and developing networks for training and learning among people of the same community.
Savings fund, PENC group, member of the Senegalese Federation of Inhabitants (Fédération Sénégalaise des Habitants) (Djiddah Thiaroye Kao, Pikine). Photo by Bea Varnai (2018)
The Senegalese Federation of Inhabitants (Fédération Sénégalaise des Habitants – FSH) relies on this practice of tontines to promote urban regeneration. This federation was founded in 2014 with the aim of bringing together existing savings groups in a municipality located in the Dakar suburbs (Djiddah Thiaroye Kao). It then incorporated groups from the entire suburban area and other regions of the country. Community leaders and urban-development professionals from Dakar and Switzerland supported the creation of the federation, which was also inspired by the experiences of the Slum Dwellers International (SDI) network. Today, the FSH represents 370 savings funds and approximately 8,000 individuals, the majority of whom are women (95%). Its members are residents of impoverished neighbourhoods in some fifteen suburban municipalities in Dakar. Excluded from the formal banking system, they face the major challenge of restoring their housing, which is vulnerable to recurrent flooding. The FSH gives these residents a way to pool their savings and increase their ability to act.
Housing damaged by floods, Médina Gounass, in Guédiawaye (north of Dakar) Photo by Bea Varnai (2019)
Urban citizens’ funds: self-managing and sustainable common funds based on solidarity
The FSH’s rotating fund for housing improvement was created in 2015 in order to provide solutions to the lack of access to affordable financing. The Senegalese fund was inspired by the urban poor funds established by certain member federations of the SDI network. These urban poor funds are self-managed by the residents with technical support from their NGO partners. They are used to finance the improvement of working-class neighbourhoods, purchase land, and set up self-build housing schemes. As well as enabling residents to play an active role in developing their own neighbourhoods, these funds can also act as advocates with public authorities.
In Senegal, the rotating fund is sponsored by Swiss and French cooperation agencies and grants from the Abbé Pierre Foundation (approximately €350,000). The savings groups belonging to the FSH also contribute 5,000 CFA francs (approximately €7.50) per group to the fund per month, and through an individual and voluntary savings fund for housing (approximately €78,000). Thanks to these contributions and endowments, plus the interest from the loans provided, the rotating fund now amounts to a total of 300 million CFA francs (approximately €450,000).
Members of the federation can borrow the amount required to progressively improve their housing, up to a maximum of 1 million CFA francs per loan (approximately €1,500). Each household that takes out a loan receives assistance from the NGO urbaSEN with the assessment of their housing and the monitoring and acceptance of renovation work. The loans are repaid over a 20-month period, at an effective interest rate of 5%, 2% of which is paid back into the fund, 1% is donated to urbaSEN, 1% to the savings group to which the beneficiary household belongs, and 1% to FSH.
Illustration of the FSH revolving fund system. Gwenlande Piriou (2018)
The rotating fund therefore constitutes the FSH’s common fund. Unlike traditional microfinance mechanisms, in this case, the residents define the terms of access to funding and prioritise their needs. Therefore, the fund relies on solidarity from the savings group itself, which is collectively responsible for the loan granted to its members. Given its rotating nature, the fund is designed to be sustainable: one member’s reimbursement in turn enables another member to finance a housing improvement project. The value of each CFA franc invested is therefore multiplied several times and sustains the fund over the long term.
Since 2015, the existence of the rotating fund has enabled the restoration of 520 homes and has significantly improved the living conditions of more than 5,000 people in the Dakar suburbs through the integrated approach to housing improvement promoted by urbaSEN. This approach is based on social mobilisation, the collection and management of socioeconomic and spatial data, technical support and advocacy with local authorities.
In Dakar, cities created by and for residents
Beyond housing improvements, the mutual assistance and collective governance practices promoted by the FSH’s rotating fund foster the collective empowerment of impoverished households in the Dakar suburbs. The FSH not only provides a tool for affordable and solidarity-based financing, it also conveys a vision of development based on empowering residents to act independently. The FSH’s members are developing a vision of sustainable neighbourhood development through an approach to land management that is based on solidarity and the community rather than speculation.
This qualitative leap forward requires the coordination of the ongoing citizen-led approach, and support from international solidarity stakeholders combined with national and local public action. The first step in this direction was made possible by AFD’s Sectoral innovation Facility for NGOs (FISONG), which extended the rotating fund system to include the co-design and co-financing of public infrastructure, and the regeneration of public spaces (catch basins, drainage grates, pavement drainage systems, landscaping techniques for rainwater infiltration). This project aims to improve integrated flood management systems in the Dakar suburbs, in conjunction with the public project owners.
More funding will be needed in order to transform this local experiment in citizen-based finance into an urban development tool on a larger scale. International cooperation stakeholders have a fundamental role to play in promoting these types of tools, especially by campaigning for their institutionalisation and advocating their coordination with public action. For international cooperation stakeholders and local and national authorities alike, supporting urban citizens’ funds means directly investing in vulnerable communities and ensuring the sustainability of the investments.
The experiences in Senegal, along with many other examples of urban citizens’ funds developed by SDI members, have proven their relevance at different levels. They urge us to rethink our ways of managing and financing urban development in the context of North-South, South-South and even South-North development, in order to promote more sustainable and inclusive cities, created by and for their residents.
Source : ideas4development


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This article talks about the impact of U.S. intervention on the women of Middle Eastern countries and Afghanistan, how it affects their lives on various grounds and makes their survival difficult in the light of increased atrocities.
The United States have come a long way in gaining and maintaining power over the Middle Eastern countries, thereby standing as an imperialist nation. The U.S. invasion started in the early 20th century and has become even worse in recent times. The two factors that seem to have been the reasons for the U.S. intervention are its quest for influence and crude oil. Estimates say that the US had earned almost $12billion profits from the oil acquired in the Middle Eastern countries during early years of intrusion.
Afghanistan, one of the countries surrounding the Middle East, is similarly not untouched by US intervention. However, the U.S. intervened in the country in order to destroy the operating centres of Taliban, an infamous terrorist group, involved in the 9/11 attacks. In Afghanistan, the US is seen to be one of the forces which extends its supports to the misogynist fundamentalist groups and has failed to lend a hand to the Afghan women.
Iraq, a prominent Middle Eastern nation, has equal rights for women enshrined in its constitution. Ironically, the Iraqi women had more freedom during the reign of Saddam Hussein as compared to other Middle Eastern countries. These women had rights to a dignified economic, social and political life during Hussein’s rule. However, with the American invasion these rights have disappeared. During the 1991 war between Gulf countries and America, the situations with respect to women’s rights and liberty started deteriorating, having consequences in terms of their mobility in the economic sphere as well as increasing numbers of rapes and other heinous crimes against them. Mass killings by the U.S. troops left 2 million women widowed over the last few decades.
The diminished Iraqi security led to women being forced into the underground sex industry, prostitution and other inhumane situations. The women have also been subjected to forces of religious extremism, thereby reducing their presence and suppressing their voices from the public as well as personal sphere. Quoting the Human Rights Watch (2011), “life in Iraq is actually getting worse for women”, they also accused the U.S.-backed Iraqi government of “violating with impunity the rights of Iraq’s most vulnerable citizens, especially women and detainees.”
A similar story continues in the Afghan nation. The United States is blamed here as well for equipping the religious fundamentalist forces with the arms and ammunition which are then being used to commit atrocities against mankind with devastating impacts on women. The Afghan women have been stripped of their fundamental rights with respect to health, education, work etc. in the name of Islamic law. In order to wage war against Soviet Union, in 1979, the Mujahedeen (Soldiers of God) acquired powerful weapons from the United States. Against the common conception, the United States supplied them with all the necessary arms and ammunition, worth almost $1 billion, from then till 2013. The US is argued to have ignored the fact that these same extremist forces are working towards destroying the widely held practices, particularly within the US, of liberty, equality and fraternity. The US support paved the way for the increased influence of these forces and also rolled back the basic women rights and appearances in public domain. The ones, going against their will or the Islamic law, are said to have been publically prosecuted, and punished by flogging or other non – humanitarian ways.
Be it Iraq, Afghanistan or other Middle Eastern countries, one sees the same process being followed and the similar consequences as a result of US intervention. The Middle Eastern women are constantly leading a life full of terror, insecurity, horror and dominance. Their lives no more seem to be their own; and if one wages a war against it or raises a voice, then they are punished.
What needs to be done is to create, empower and increase the presence of organizations like Revolutionary Association of the Women of Afghanistan (RAWA) to create the sensitivity and awareness amongst the victimized women themselves with all the necessary support to raise voices against their assailants. But an important question that remains is: who is to be blamed for mass atrocities on women: the fundamentalists, who are destroying their own people in the name of religion or the US for the paving the way for them…..

domain: sociology


text:
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Duis lobortis massa imperdiet quam. Aenean imperdiet. Phasellus ullamcorper ipsum rutrum nunc. Etiam ut purus mattis mauris sodales aliquam. Sed consequat, leo eget bibendum sodales, augue velit cursus nunc, quis gravida magna mi a libero.
New research from the Institute of Fiscal Studies (IFS) has found that mothers suffer from a long-term pay penalty caused by part-time working. The IFS found that by the time their first child reached the age of 20, women earned 30% less per hour than similarly educated men.
enei Chief Executive Denise Keating commented:
“The motherhood penalty has long been an issue that employers and Government have failed to address for both full-time and part-time working mothers. There are a number of contributory factors for this part of the pay gap. An assumption by line managers that working mothers don’t want additional responsibility on top of their childcare commitments, benevolent sexism, where colleagues and managers try to look after working mothers by giving them easy tasks, and a belief that working mothers will prioritise their children over their career (although the same belief is rarely applied to working fathers), all contribute to working mothers being passed over for pay-rises and promotion.
“The UK is also still too focused on hours worked as a measure of performance, rather than actual outputs. Part-time and flexible working is often seen as a woman’s working pattern, discouraging men from adopting similar working styles. Recent research from the recruitment consultancy Feel found that 54% of mothers were forced to leave or change jobs due to a lack of flexibility. Employers who support flexibly working mothers rather than seeing them as a burden will clearly reduce the amount of female talent they are losing which can only have a positive impact on their published Gender Pay Gap figures and increase employee happiness.”

domain: news


text:
You are here: >
The words of The Martyr of Antioch are selected from the drama of that
name by the late Very Rev. H. H. Milman, Dean of St. Paulís. The responsibility of the
selection, and the alteration in the manner of Margaritaís death, rests with the composer.
To his friend, Mr. W. S. Gilbert, is due the change which in one or two cases has been
necessary from blank verse to rhyme; and for these and many valuable suggestions,
he returns Mr. Gilbert his warm acknowledgements.
The action of the piece is laid at Antioch, in Syria, in the latter
part of the third century. The persons represented are:
|Heathens:||Olybius, the Roman Prefect (Tenor)|
Callias, the Priest of Apollo (Baritone)
and other maidens and youths, worshippers of the Sun
|Christians:||Fabius, Bishop of Antioch (Bass)|
Margarita, daughter of Callias (Soprano)
The Christian Congregation.
The plot may be briefly described. Olybius is in love with Margarita, and she returned his love. This, however, was in her heathen days. She is now a Christian, and with her conversion, of which both her lover and her father are ignorant, she, although still not
indifferent to him, rejects all idea of union with a heathen. The piece opens with a chorus of sun-worshippers, preliminary to a solemn sacrifice. The Prefect calls for Margarita to take her accustomed place, and lead the worship. During her non-appearance the Priest charges him with lukewarmness in the cause of Apollo, and he avows his firm intention to put all Christians to death.
The scene changes to the Christian cemetery, where one of the brethren is buried, and a hymn is sung over him. After the funeral, Margarita remains behind and pours forth her feelings in adoration of the Saviour. Her father finds her thus employed, and learns for the
first time of her conversion.
The scene again changes to the palace of the Prefect. The maidens of Apollo sing their evening song. Olybius and Margarita are left together; he begins his old endearments, and dilates on the glories which will be hers when they are united. She then confesses that she is a Christian; he curses her religion, and she leaves him for prison.
The final action takes place outside the prison of the Christians, on the road to the Temple of Apollo. The maidens of Daphne chant the glories of the god, while from within the prison are heard the more solemn and determined strains of the Christians. Margarita is
brought forward and required to make her choice. She proclaims her faith in Christ. Her lover and her father urge her to retract, but in vain; and she dies with the words of rapture on her lips:
The Christ, the Christ, commands me to his home;
Jesus, Redeemer, Lord, I come! I come! I come!
I have the full sanction of the Deanís sons for the use I have made of his drama; they permit me to say that, in their opinion, the alterations inevitable upon the adaptation of the drama to musical requirements have been made with judgement and good taste, and in
complete accordance with the spirit of the original work.
Page created 12 November 2003

domain: library


Y’heard right friends.
The man originally known simply as “Him” and then went on to take the name Adam Warlock was in the original scripts for Guardians of the Galaxy vol. 2. And you know that you can trust this because it came from the writer/director/man himself, James Gunn.
As he told Slashfilm,
“I love Adam Warlock. He’s one of my favorite characters. In all truth, I wrote an early treatment where I had Adam Warlock as a part…this is your big scoop, because I don’t think I’ve told anybody this… It was Adam Warlock. He was a big part of the screenplay and I realized it was one character too many. And I adored the character. I adored what we had done with him. I think we did something really creative and unique with Adam Warlock. But it was one character too many and I didn’t want to lose Mantis and Mantis was more organically part of the movie anyway. So I decided to save him for later.”
There you have it — Adam Warlock was originally part of this incarnation of the Guardians, but it was just one Guardian too many. After all, the team already has five member and in this film they add Yondu Udonta, Mantis and Nebula. Adding Mr. Warlock in would have been one Guardian too many, though we’re still waiting on science to prove if it’s even possible to have too many Guardians.
However, take ye respite and find peace all ye Adam Warlock fans because in that same Slashfilm article Kevin Feige confirmed at a press junket that Adam Warlock will, indeed, appear at some point in the Marvel Cosmic Universe. James Gunn then echoed that saying, “… he will be a part of the future Marvel cosmic universe and a pretty important part of that,” though he cautioned “He’s not in Infinity War.”
Since he was in GotGvol2 and now is not, our guess is that he’ll be a pretty significant part of Guardians 3. In fact — with five post-credit scenes in the upcoming Guardians of the Galaxy Vol.2, it’s entirely possible we’ll see him at the end of the movie. And you know, we still don’t know who Michael Rosenbaum is playing …


text:
Acres of Diamonds
In life it often happens that the answers to our most pressing questions are right in our own backyards.
Have A Question About This Topic?
Looking ahead can help you conquer these unique obstacles.
Estimate the potential impact taxes and inflation can have on the purchasing power of an investment.
This questionnaire will help determine your tolerance for investment risk.

domain: finance


text:
May 7, 2013 BY Brendan Dunne
The Air Jordan XI has been a sneaker selected for formal outfits ever since Boyz II Men hit the stage in a set of Concords. Jason Sudeikis is the latest person to uphold that time-honored tradition, breaking out a pair of the Air Jordan XI “Bred” at last night’s 2013 Met Gala event uptown in NYC (He even matched them up with his pocket square for extra points). Does such an event warrant some hard bottoms or do you think Jason Sudeikis gets a free pass with his Air Jordan XI “Bred” here? Continue reading to see Jason Sudeikis, Olivia Wilde at his side, on the red carpet with his Air Jordans at the Costume Institute Gala for the “PUNK: Chaos to Couture” exhibition at the Metropolitan Museum of Art last night and let us know in the comments what you think.
images via Dimitrios Kambouris/Getty Images

domain: celebrity


text:
ATHENS, Ga. — Ben Jones made an appearance at practice Thursday, but it was Chris Davis and Kevin Perez taking all the reps at center for Georgia.
Jones sprained his left ankle during Wednesday’s practice, and coaches said his return remains a day-to-day decision. Meanwhile, Georgia’s offense is already moving forward without him.
“You hate to see anybody go down,” quarterback Joe Cox said. “Everybody was pretty worried at first, but people get hurt in football. We’ve just got to move on for now, and hopefully he’s back in time to play.”
Asked whether that meant in time to play Oklahoma State, Cox pleaded ignorance — a refrain repeated by right tackle Clint Boling, who said Jones remained in high spirits despite the injury.
“He’s a tough kid,” Boling said. “It definitely hurts him not being out there, but I’m sure he’ll get back out there as soon as he can, and we’ll be ready to have him back, too.”
Coach Mark Richt declined comment on the injury Wednesday and skipped his normal post-practice media session Thursday in order to attend his son’s football game.
While the timetable for Jones’ return remains vague, Boling said the important point is that the sophomore center will be back eventually, unlike two of Georgia’s starters on the line who suffered season-ending injuries last season.
“That’s the last thing anybody wants is to have anything like last year with that many guys getting hurt,” Boling said.
Caleb King has made a point of ducking reporters since injuring his hamstring last week, but fellow tailback Carlton Thomas said it’s not because King is sulking.
Despite being forced to the sideline in the middle of an intense competition for playing time at tailback, King has kept a positive attitude throughout the process, Thomas said.
“He’s been very positive in practice every day,” Thomas said. “He’s come in in the morning to rehab, just trying to get ready. You never see him down, even though there’s probably a time when he’s down because he wants to compete. But he’s doing everything he can to get back and be ready for Oklahoma State.”
While King is missing crucial chances to perform before a final depth chart is set for Georgia’s opener, Thomas said he thinks King’s attitude on the sideline has impressed coaches as much as anything he could have done on the field.
“It is a big test,” Thomas said. “It’s a test for anybody who has an injury this close to playing time. It’s going to test you mentally, so I feel like if he overcomes it, he’s going to have a lot of success.”
Learning from Cox
Adjusting to college football and memorizing a playbook is no easy task, but freshmen receivers Marlon Brown and Rantavious Wooten said the process has been made a lot smoother, thanks to the leadership of their quarterback.
“He’s been a great help,” Brown said of Cox, a fifth-year senior. “He’s been going over the playbook with me whenever we’re free. It’s a blessing because he knows everything.”
While Wooten has worked tirelessly to grasp the intricacies of the playbook, he said he has been amazed at Cox’s knowledge of the offense — not just at quarterback, but at every position.
“He’ll teach me different releases, spinning, all that different kind of stuff,” Wooten said. “He’s a great teacher, a great leader. He’s teaching me all the right things.”
For his part, Cox isn’t taking much credit for his receivers’ development. He said he has made a point of offering tips when needed, but said Michael Moore and A.J. Green have been the real mentors for the young wideouts.
Regardless of who has done the teaching, the lessons appear to be paying off, Cox said.
“When you come in as a freshman at any position, you get to a point where your head starts spinning, and then you start coming out of it,” Cox said. “I think they’re definitely out of that fog now, and they’re starting to recognize things quicker and run the right routes. They’re coming along nicely.”
Georgia president Michael Adams announced the dates for the university’s mandatory furlough days Wednesday, and the off time isn’t well suited to the football staff, who are being forced to take time off along with faculty and staff.
All university employees will be forced to take off Oct. 30, Nov. 25 and Dec. 24 this year — which would mean Richt and his staff would be on vacation the day before Georgia takes on Florida and three days before the Bulldogs travel to Georgia Tech.
Georgia’s sports information department confirmed that the football staff will comply with the furloughs, but there will be an appeals process available to request different days from the ones Adams announced Thursday. The caveat, as reported by the Atlanta Journal-Constitution, is that the days must still occur during October and November, meaning coaches must take time away during the height of football season.


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If your dad doesn't have this pair of New Balance shoes, is he a real dad? Lol
This crew neck, short-sleeved shirt is made from 100% ring spun combed cotton; while heather colors are 50/50 cotton/poly blend. Care Instructions: Machine wash and tumble dry on low.


While there are several other post offices within driving distance of Union, many local residents rely on the location to receive their mail and stay connected with the community within the small village along Route 125 in Wakefield. (JOHN QUINN PHOTO)
Surveys will decide fate of rural NH post offices
Using a mail survey, residents in Middleton and Union can choose between changing the hours or conducting a discontinuance survey of the Union office, at 402 Main St. (Route 125).
The surveys, which were sent out June 11, must be returned by July 10 to the Union Post Office.
"I hope a lot of people fill out their surveys," Pratt said, adding she expects to see quite a few residents at the meeting about the changes later this month.
Garvin said many older residents, especially those who walk to the post office, would be hard-pressed to travel to another location, even though there are other post offices in Sanbornville and Milton, which are both about five miles away.
The Postal Service is reviewing the use of 13,000 rural post offices across the country after the public overwhelmingly was opposed to a proposal to close 3,500 locations, according to Tom Rizzo, spokesman for the Postal Service in New Hampshire and Maine.
As a result, Rizzo said officials proposed to reduce hours of certain rural locations to reflect actual usage.
"In most cases, we were able to adapt well to the wishes of the community," Rizzo said, adding while the level of interest varied across the nation, it was clear people were against closing local post offices.
Dugas said it's important for residents to respond to the survey to allow officials to determine usage. She added the Postal Service offers many services online, including the ability to ship packages and letters from home.
Dugas said the results from the survey and the information gathered during the meeting will be combined into a report. She added the information will help make decisions on a regional and national level.


DSZ-70 Stereo Zoom Microscope
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text:
Build mountains and valleys!
How to use?
Build something out of sand, and Sandbox 2.0 automatically converts it to a landscape. Construct a known landscape, like Lake Balaton or the Carpathian Mountains or make up your own. If you raise your hand over the sand, it will become a cloud, and rain will pour to the terrain. For sanitary reasons please wash your hands before and after playing.
The surface of the sand is constantly scanned by an infrared camera, to be able to construct a digital 3D image of the sand. The digital image is then projected back to the sand with the appropriate colors indicating elevation on the relief map. Rain and water modeling uses a sophisticated technology based on real life physics, which means that the observed flow is as close to the real fluid movements as possible.


text:
The Pentagon on Friday formally requested that armed volunteers stop standing guard outside military installations across the U.S.
Following the attacks in Chattanooga, Tennessee, which claimed the lives of five servicemen, armed individuals flocked to recruiting centers and voluntarily stood guard outside. Federal law prohibits most military members from carrying their weapons at military installations.
"We take the safety of our service members, our DoD civilians, and the families who support them very seriously, and Secretary of Defense Ash Carter is currently reviewing recommendations from the services for making our installations and facilities safer - including our recruiting stations," Pentagon press secretary Peter Cook said in a statement.
"While we greatly appreciate the outpouring of support for our recruiters from the American public, we ask that individuals not stand guard at recruiting offices as it could adversely impact our mission, and potentially create unintended security risks," he added.
[sharequote align="center"]"[W]e ask that individuals not stand guard at recruiting offices..."[/sharequote]
Cook said that the Pentagon would continue to work with law enforcement to ensure the safety of military members.
"We continue to partner with and rely on first responders for the safety of the communities where our service members live and work," he said.
Follow the author of this story on Twitter and Facebook:

domain: politics


text:
Younger audiences want less sex in movies and TV, study suggests
"They’ve grown tired of stereotypical, heteronormative storytelling that valorises romantic and/or sexual relationships."
The Center for Scholars & Storytellers (CSS), which is based in the Psychology Department at the University of Los Angeles (UCLA), seeks to examine youngsters perspectives on the entertainment and social media content they consume
through its annual teens and screens survey.
In its second year, the survey was designed to ask adolescents aged 10 to 24 across the US questions regarding what topics they wish to see in the content they watch, which media feels more authentic to them and more.
Data collected from 1,500 in this age bracket in August 2023 found that 51.5% agreed with the statement: "I want to see more content that focuses on friendships/platonic relationships."
This was as 33.3% had a "neutral" response to the question, while only 15.2% disagreed.
As well as this, a near majority of 44.3% felt that "romance in media is overused", while a "surprising" 39% stated they wanted to see "more aromantic and/or asexual characters on screen".
Also noteworthy is that 47.5% of adolescents surveyed said they believed that "sex isn’t needed for the plot of most TV shows and movies".
HBO series The Idol caused controversy this year for its sexual content
The survey report also noted: "The stereotype of how romantic relationships are included and often feel unnatural, forced, or toxic was ranked 4 out of the top 10 most disliked stereotypes.
"The top stereotypes/tropes mentioned in this category included relationships being necessary to be happy, male and female leads always having to end up together romantically, love triangles, and more."
A summary included in the report states that "Gen Z’s values and desires reach depths beyond what society has typically explored".
"As demonstrated in this report, they’ve grown tired of stereotypical, heteronormative storytelling that valorises romantic and/or sexual relationships – especially ones that are toxic – and are looking for more representations of friendship, which is a core aspect of adolescence and social well-being," it added.
Gen Z is defined as members of the generation of people born between the mid-1990s and mid-2010s.
- The next Mission Impossible movie is reportedly getting a bizarre name change
- This 15 year old box office flop is getting a unique second chance
- One of 2023's very best horrors is now available to stream at home
- 40 years ago, the best Stephen King adaptation arrived in cinemas
- The Late Late's bizarre interview with Jean-Claude Van Damme did not disappoint
- House of Usher had massive reshoots with new actor following huge controversy


text:
First occupied in 1940, Hillcrest Hall was the first residence built specifically to house female students. When it opened, male students promptly nicknamed it the “Skirt Barn.” In 1971 it was converted into a male athletic residence hall. In 1982 it was converted into a graduate housing facility. It was converted again in 1992-93 to house University Honors. Hillcrest became the university’s first Honors house in 2000-01.
Hillcrest Hall385 West Campus Drive
Hillcrest Hall houses 108 co-ed students. The hall is suite style and every two rooms share a bathroom, except for a few rooms with private baths. Hillcrest has housed scholarship athletes, then graduate students, and is now home to the Honors College and the Hillcrest Honors Living-Learning Community.
The Hillcrest Community is designed as a four-year, live-in residential honors program for students who have demonstrated superior academic ability. Students are nominated to participate based upon a review of the honors applications and are invited to join by a selection committee.
Hillcrest Hall is named for a geographic feature, as it was built atop the crest of a hill.
- Originally Built:
- Map Grid:
- Abbreviation / Number:
- HILL / 054
- 37.2239, -80.42501


text:
By Roland Li
In the wake of the recession, Isaac Sitt and Elliot Tamir began noticing a pattern in their Vesper Holdings portfolio. As retail and residential dropped off, one class of property remained strong.
“The student housing assets held up much better than any other assets,” said Sitt.
Although it didn’t have the breathtaking returns of Manhattan residential during boom times, student housing also avoided plunging prices during the downturn. Student enrollment continues to swell – no doubt aided in part by those looking for shelter from the job market – and continued to give consistent returns.
Sitt and Tamir’s Vesper Holdings launched a fund in 2010 to focus on student housing and has invested $25 million for 2,500 beds. Its acquisitions have included two buildings near Texas A&M, totaling 415,000 s/f and 867 beds, and three buildings in Kansas. A few weeks ago, Vesper closed on another housing complex in Ann Arbor, Mich. It also owns multifamily properties in New York, but student housing is roughly 90% of its portfolio.
Vesper started a second fund in April and is looking to deploy $75 million in equity over the next 18 months, to boost its portfolio to 10,000 beds. It is also open to bringing on partners.
The partners’ approach to housing can be long-term investment or a quicker flip, depending on the market. Vesper will invest $1.2 million in its newest Ann Arbor property for capital improvements – in the past, these have included both upgrades to the apartment units and build-out of amenities, such as retail, in the same building.
“You buy where the dynamics are positive – there’s growth, there’s not a lot of development,” said Sitt. “We feel we’re in a sweet spot. We think student housing is actually safer than multifamily.”
At the University of Michigan, only 22% of the 40,000 students live on campus, and the school is not adding beds, said Sitt. Texas A&M has over 47,000 students, and less than a quarter live on campus.
The partners hope to expand their student housing holdings to include New York, but Sitt said that numerous factors make the city a tougher prospect. Zoning restrictions and rent stabilization make properties more difficult. Often, landlords will rent directly with the schools, rather than students, but schools such as New York University and Columbia are in the process of large expansions that focus on owning buildings, rather than leasing.
Vesper is in talks with schools about acquiring and leasing a 1,200-bed, 10-floor portion of a building in midtown Manhattan, but discussions are still preliminary. The property also has a separate hotel portion.
Vesper’s financing comes from both individual investors, as well as funding from sources like Fannie Mae and Freddie Mac.
For the firm’s recent Ann Arbor acquisition, it had to use a commercial mortgage backed security (CMBS). The deal closed just prior to the downgrade in U.S. credit, which has virtually frozen the CMBS market. That move has made the government-sponsored lenders more crucial.
“I think as long as Fannie and Freddie continue lending, the market will remain liquid,” said Sitt.
Although he’s now investing nationally, Sitt remains a Brooklyn boy at heart. He grew up near Coney Island and continues to live in his childhood home with his wife, two sons and two daughters. Sitt began his career in the family business of importing baby clothing, learning everything about business from his father. He would move on to join his brother, Joseph Sitt of Thor Equities, in the real estate retail sector. Joseph is also an investor in Vesper Holdings and remains a role model for Isaac.
“Joe taught me everything I know about real estate. He has tremendous foresight,” he said.
He partnered with childhood friend Elliot Tamir in launching Vesper Holdings, first focusing on multifamily property. Sitt handles acquisitions for the firm, while Tamir oversees capital improvements and building management. Tamir is a veteran developer, building 17 parking garages and Manhattan and ground-up development in Brooklyn, “drawing yuppies to Williamsburg,” as Sitt describes it.
“He increases the value, which is really the secret of the business,” said Sitt.
The two continue to own a variety of real estate, including retail, parking lots and multifamily, outside of Vesper. Sitt is open to the idea of ground-up development, but believes that current market conditions favor acquisitions and rehabilitations. For now, that means expansion of its national student housing portfolio.
“As long as I can find deals that make sense to me without building, I would like to be doing that. As soon as it makes more sense to build new, I will do that,” said Sitt.


Setup is much simpler. Luba is equipped with an advanced RTK System which detects the edges of your lawn within 2-cm of accuracy and starts mowing without extra installation. With in-app control, just walk with Luba along the perimeter at the initial mapping to customize your multi-cutting zones boundary.
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text:
Good afternoon, I am Christin, so far I have an irregular eating and sleeping pattern then I rarely exercise, skip breakfast and usually eat when my stomach is very hungry and often eat midnight with oily, sweet and spicy foods such as nasgor, geprek, cake, a sweet snack when you stay up late. Well, a few days ago I experienced nausea and vomiting as well as pain in the gut until my chest was depressed after consuming spicy and oily foods. When I checked on the internet, it turned out that the symptoms were similar to stomach acid, so I went to the puskesmas for treatment. Two days later the symptoms of nausea and vomiting improved a little after I took drugs for stomach acid (antacids, domperidone, paracetamol) from the puskesmas, but the pain in my gut still persists today (7 days since I was given the medicine from the puskesmas), usually after eating, and it happens at the same time every day, like when I wake up at 7, and then it disappears until 6 in the afternoon then disappears for a while and appears again before bedtime, especially because I sleep on my back my stomach feels pulled, the feeling of a lump in my throat also appears again , my stomach is also still enlarged, feels tight and a lot of gas, feels lumpy and layered especially when sitting can feel a hot sensation in the back area. Are the habits and some of the symptoms I feel correct because of the acid reflux because the symptoms I have been feeling for a long time (a week)? Or are there side effects from the medicines I am taking? Now that I have changed my diet and sleep patterns, can this help the healing process even if it has to take a long time?
Thank you for asking HealthReplies.com.
A set of symptoms that arise due to increased stomach acid in the medical realm is called dyspepsia syndrome. This condition can cover a wide spectrum of symptoms, such as pain, nausea, vomiting, spasms, phlegm, lumps, bloating, surgery, and so on which generally feel dominant in the epigastric area (gut, middle chest, upper abdomen), but can also spread to to the chest, other parts of the stomach, throat, to the back. Symptoms of dyspepsia will usually worsen when the stomach is empty, after consuming a lot of fatty foods or other foods and drinks that irritate the stomach, at bedtime, are stressed, are tired, are taking certain drugs (usually NSAIDs, aspirin, antibiotics), or also when experiencing hormonal changes (such as during menstruation or pregnancy).
In most cases, dyspepsia has no clear cause, or it is also called functional dyspepsia. However, in some rare conditions, there can also be an underlying organic disorder, for example GERD (gastroesophageal reflux disease), gastritis, gastric or diodenal ulcers, gastric cancer, pancreatitis, cholangitis, cholelithiasis, and so on. This condition clearly cannot be cured in a short time with medication alone, but must also be accompanied by changes in lifestyle and healthy eating patterns.
Not only dyspepsia syndrome, your complaints may also be exacerbated due to other factors, such as gastrointestinal infections, drug side effects (including nausea and vomiting drugs), colitis, obstructive ileus, other viral or bacterial infections, and so on.
We recommend that if you feel that there has been no significant improvement after undergoing the previous doctor's treatment, you should check your complaint again to an internal medicine specialist. Several types of examinations, for example ultrasound, endoscopy, x-rays, laboratory tests, etc. may be the doctor will do. to ensure the correct diagnosis as well as the best treatment. Optimizing your healing as well, in addition to taking medication from a doctor, by doing the following:
Eat 4 to 5 hours, small portions, regularly Reduce foods that have the potential to irritate the stomach, such as spicy, fried foods, coconut milk, caffeine, cabbage, mustard greens, soda, etc. Eat more foods that are easy to digest, such as porridge, soup, food berkuah Drink lots of water Make it a habit to give a break between sleeping and eating at least 2 to 3 hours (don't lie down immediately after eating) Avoid taking drugs carelessly, unless the doctor directly prescribes them Calm your mind and heart, don't stress too much, feel sad, or anxious Exercise regularly, do not smoke or consume alcohol. Minimize snacks carelessly Compress the uncomfortable stomach with warm water.
dr. Nadia Nurotul Fuadah


text:
Mary MagdaleneLarge Print - 2013
A beautiful girl blossoming into womanhood, Mary has high hopes for a life filled with learning, family, and young love. In one dreadful night, all of that changes. The nightmares come first, then the waking visions of unspeakable terror, until Mary hardly remembers her dreams for the future.
Publisher: Thorndike, Maine : Center Point Publishing, 2013.
Branch Call Number: TAYLOR D LP
Characteristics: 383 p. (large print) ; 23 cm.

domain: literature


Vancouver Canucks name new GM weeks after firing Jim Benning, several others
Jim Rutherford says there are some big decisions looming for the Vancouver Canucks, but the president of hockey operations has crossed one large task off his to-do list: hiring a new general manager.
The Canucks on Tuesday named Pittsburgh Penguins assistant manger Patrik Allvin the 12th GM in the franchise's history.
“Obviously it's a big honour for me, taking on this opportunity,” Allvin told reporters on a video call. “I'm extremely excited and honoured and proud to be part of the Vancouver Canucks going forward.”
The 47-year-old three-time Stanley Cup winner has been with the Penguins for the past 16 seasons and was the director of amateur scouting before he was promoted to assistant GM in November 2020. Hailing from Leksand, Sweden, Allvin is the first Swedish general manager in the NHL.
The move to Vancouver reunites Allvin with Rutherford, who served as Pittsburgh's GM from 2014 to 2021 and led the team to back-to-back Stanley Cups in 2016 and '17.
“I've known Patrik for a long time and how he works and that he was a legitimate candidate,” said Rutherford, who was named the Canucks president of hockey operations and interim general manager in early December after the club fired head coach Travis Green, general manager Jim Benning and several other front-office staff following a dismal start to the season.
Rutherford spoke to a number of people about the GM vacancy and narrowed his list down to five candidates for in-person interviews. While all of the interviews went well, he said, Allvin stood out.
“He's a very smart guy,” Rutherford said. “He knows players, he knows how to evaluate players, he knows how to find players, he's well-connected in Europe where we'd like to get into that market a little bit more and try to get some more players out of there. He has a lot of good things going for him and we already have the working relationship, we know how that's going to go.”
The history and current status of the Canucks were intriguing to Allvin, but it was something else that really drew him to the job.
“I've got to be honest - the reason I'm here is excitement to work with Jim Rutherford again,” he said. “And I know how he emphasizes hiring good people. â€¦ I believe that Jim has done a good job building the staff and I look forward to meeting all of them here.”
Rutherford added to his staff Monday, hiring former player agent Emilie Castonguay to be the franchise's first female assistant manager.
He previously tapped former scout Derek Clancey to fill another assistant GM role, named Canucks legend Stan Smyl vice president of hockey operations and announced that former Canucks stars Daniel and Henrik Sedin would continue in their roles as special advisers to the general manager.
“We could possibly still add some people. We're trying to make it as strong as we can,” Rutherford said, adding that there may be an expanded role coming for Ryan Johnson, the club's director of player development and general manager of the American Hockey League's Abbotsford Canucks.
With new faces in the front office, Rutherford and Allvin said the Canucks need to look for ways to improve their roster.
Allvin spent nine years playing professional hockey in North America and Europe before breaking into scouting with the Montreal Canadiens in 2002. He said his scouting experience taught him that you need to be open minded because players and the game are constantly changing.
“I think in order to be successful, you've got to be able to find players outside of the first round in the NHL entry draft,” he said. “You need to compliment the organization with college and European free agents and that's something I'm looking forward to.”
The Canucks also need to work on growing and developing players, Allvin said.
“I think that's the key in today's game. I think that's something we want to emphasize her going forward to be successful,” he said, noting that the strategy was successful when he was in Pittsburgh.
It's important to remember, too, that every player has their own development curve, Allvin said.
“It's not a sprint to get to the NHL, it's a marathon,” he said. “So you've got to support them with the right people and coaches and development staff and help every single to maximize their chances to become a full-time NHL player.”
With the NHL trade deadline under two months away, Allvin has little time to evaluate the Canucks' current roster. Rutherford has been on the job slightly longer, but noted that a COVID-19 outbreak and a number of postponed games have limited his ability to do an in-depth analysis.
The president of hockey ops said he's impressed by how the team handled adversity after being left short-handed in several recent games. Several players have entered the league's COVID-19 protocol in recent weeks, including all-star goalie Thatcher Demko, backup Jaroslav Halak and a number of high-scoring forwards.
The undermanned Canucks went 0-1-2 on a three-game homestand, but the players and staff should get a lot of credit, Rutherford said.
“They showed a lot of character and gave everything they had and scratched and clawed to actually get a couple of points,” he said.
There are some good things going on in Vancouver, Rutherford said, and work needs to be done to improve the team going forward.
“Some big decisions are coming up. But now that we've added some more people to hockey ops we're now in a stronger position to make those decisions.”
This report by The Canadian Press was first published Jan. 26, 2022.
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